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Lollands Bank (LOLB) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Lollands Bank DKK 779, price DKK 870, upside -10.5%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
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Financial Services · DK · ISIN DK0060000107

LB Some data Sep 24, 2026

Lollands Bank

LOLB · CO

Overvalued / MonitorQuality is not strong enough to offset the price risk.

!Fair value kr 779.05 · Overvalued (−10%)
!Quality 52/100
!Expensive Growth (revenue 5y +8.7 %/yr)
✓Highly profitable · 28.5% net margin (TTM)
!Low debt · negative free cash flow
·3.20% dividend yield
✓Ranks above peers (8/12)
!Moderate moat 64/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 19 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

kr 910.00 kr 421.99 Fair Value kr 779.05 May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range kr 421.99 – kr 910.00 · fair‑value band kr 732.86 – kr 868.33 · the kr 870.00 price screens above the kr 779.05 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Lollands Bank A/S operates as a full-service bank providing financial services to private individuals and commercial customers in Denmark.

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Lollands Bank A/S operates as a full-service bank providing financial services to private individuals and commercial customers in Denmark. The company offers a range of general banking products and services, including deposit accounts, savings and loan products, housing finance and car loans, lending, financial leasing, guarantees, securities trading, and currency exchange. It also provides pensions, insurance, investments, real estate transactions, general financing, debit and credit cards, cash cards, payment solutions; wealth advisory services; and online and mobile banking services. In addition, the company offers cash order, overdraft, and money transfer services. The company was formerly known as Lollands Handels - og Landbrugsbank and changed its name to Lollands Bank A/S in 1977. Lollands Bank A/S was founded in 1907 and is headquartered in Nakskov, Denmark.

Stock analysis

Lollands Bank (LOLB) currently trades at kr 870.00, while our model-based Fair Value estimate is kr 779.05, implying the stock looks roughly 11.7% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of kr 1,081 per share, and 2 of the 6 models we run sit above the kr 870.00 price.

Bear case: the Asset-Based group reads lowest at kr 613.43, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: kr 732.86 (bear) to kr 868.33 (bull), the price of kr 870.00 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Lollands Bank reported revenue of 324M DKK in FY2025 versus 215M DKK in FY2021, a compound +10.8%/yr. Reported net income was 89.8M DKK in FY2025, compounding +5.1%/yr from FY2021.

Key figures

Market cap 940M DKK (≈ $143M) · P/E ratio 2.1 · P/S ratio 0.59 · EPS (TTM) kr 409.29 · Dividend yield 3.2% · Net margin 27.7% · Return on equity 8.8% · Return on assets (EBIT) 2.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).

What moves the price

The share trades about 4% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −10%, LOLB screens cheaper than that median.

Fair Value models

Bear kr 732.86 Fair Value kr 779.05 Bull kr 868.33
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (kr 280.11 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income kr 699.00 kr 727.47 kr 762.58 74
Gordon GGM kr 34.83 kr 58.33 kr 75.71 66
DDM Multi-Stage kr 34.83 kr 55.33 kr 62.76 65
All 6 models by family
Dividend Discount
Gordon GGM kr 34.83 kr 58.33 kr 75.71 66
DDM Multi-Stage kr 34.83 kr 55.33 kr 62.76 65
Multiples
P/E Multiple kr 810.47 kr 1,081 kr 1,351 63
P/B Multiple kr 961.35 kr 1,282 kr 1,602 55
Asset-Based
NCAV (Graham) kr 457.78 kr 613.43 kr 915.57 54
Economic Profit
Residual Income kr 699.00 kr 727.47 kr 762.58 74

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Quality Score breakdown

Overall quality 52/100

Of which business quality 50 · Market factors (momentum, volatility) 67

Profitability 36
Margins and returns on capital today
Quality Growth 38
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 59
Balance sheet, leverage, solvency risk
Investment 70
Disciplined investing over empire-building
Low Volatility 95
Calm price path (market factor)
Momentum 48
Price trend over the last 3–12 months (market factor)
52W Momentum 65
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 45/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−4.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.7%
Start year 2020 (pandemic). Over 10 years: +5.7% a year
Revenue growth 23 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.2%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.4%
Dividend (yield on the price)3.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.7% vs 7%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.36% → 35%
Start year 2020 (pandemic)

LOLB screens 12% overvalued. Compare with DBS Group →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks

Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 55 · Above median
Fair Value upside −11% · Above median
Profitability
Return on equity (TTM) 9% · Below median
Return on assets 1% · Top 25%
Net margin (TTM) 29% · Below median
Operating margin (TTM) 31% · Below median
Growth and dividend
Revenue growth −8% · Bottom 25%
Dividend yield (TTM) 3.2% · Above median
Balance sheet
Debt / equity 0.07× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 2.1× · Cheapest 25%
P/B 0.14× · Cheapest 25%
P/S (TTM) 0.49× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)19 · sector 11
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)35 · sector 41
HEALTH (low debt)97 · sector 85
DIVIDEND (yield)64 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Lollands Bank · Fair Value
kr 779.05 −12%Fair Value
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Cite: Fair Value Calculator (2026). "Lollands Bank Fair Value". https://www.fairvalue-calculator.com/stock/LOLB

Frequently asked questions

Is Lollands Bank (LOLB) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of kr 779.05 versus a price of kr 870.00, about −10% upside (overvalued).
What is the fair value of LOLB?
Our model-based fair value for Lollands Bank is kr 779.05 (as of Sep 24, 2026), built from audited fundamentals. The current price: kr 870.00.
What is the quality score of LOLB?
Lollands Bank has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Lollands Bank (LOLB)?
Our model-based price target is the fair value of kr 779.05 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario kr 732.86, optimistic scenario kr 868.33. It is a calculation from audited fundamentals, not an analyst target.
What is the Lollands Bank stock forecast for 2026?
Our models put fair value at kr 779.05, about −10% upside versus a price of kr 870.00 (overvalued). Cautious scenario kr 732.86, optimistic scenario kr 868.33. The calculation is refreshed regularly with new filings.
What is the revenue of Lollands Bank (LOLB)?
Lollands Bank reported trailing-twelve-month revenue of about 291M DKK (latest available figure, as of Sep 24, 2026).
Does Lollands Bank pay a dividend?
Lollands Bank currently shows a dividend yield of about 3.20% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Lollands Bank (LOLB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lollands Bank it is kr 779.05 per share (as of Sep 24, 2026), against a price of kr 870.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Lollands Bank stock overvalued or undervalued in 2026?
As of Sep 24, 2026, LOLB trades above its calculated fair value: price kr 870.00, fair value kr 779.05, a gap of about −10% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LOLB?
No. The price is what the market pays today (kr 870.00); the fair value is what the company's own numbers justify (kr 779.05). For Lollands Bank the two are kr 90.95 per share apart. That gap is exactly why we show both numbers side by side.
How much is Lollands Bank worth?
The market values Lollands Bank at about 940M DKK (market capitalisation, as of Sep 24, 2026). Per share that is kr 870.00; our models calculate a fair value of kr 779.05 per share.
What do the bullish and bearish scenarios say about LOLB?
Our models span a range for Lollands Bank: cautious scenario kr 732.86, base kr 779.05, optimistic kr 868.33 per share (as of Sep 24, 2026, price kr 870.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LOLB?
Lollands Bank trades at a price-to-earnings ratio of 2.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of kr 779.05 is built from several models across several years. Other multiples: P/B 0.1, P/S 0.5.
How solid is the balance sheet of Lollands Bank (LOLB)?
Balance-sheet figures for Lollands Bank (as of Sep 24, 2026): return on equity 8.8%, debt of 0.07 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is LOLB from its 52-week high?
Lollands Bank trades at kr 870.00, about 4% below its 52-week high of kr 910.00 and 20% above the low of kr 726.72 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of kr 779.05 is for.
Which stocks are comparable to Lollands Bank?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Lollands Bank stock attractive at the current price?
The data as of Sep 24, 2026: price kr 870.00, calculated fair value kr 779.05 (−10%), Quality Score 52/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LOLB calculated?
We run Lollands Bank through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of kr 779.05, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Lollands Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Lollands Bank (LOLB)?
The closing price on Sep 24, 2026 was kr 870.00. Our model-based fair value is kr 779.05, about −10% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lollands Bank right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits above our optimistic bull case: the favourable scenario is already priced in. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Where does the earnings growth of Lollands Bank (LOLB) come from?
Earnings per share at Lollands Bank grew +9.3 % a year from 2015 to 2025. Broken into its drivers: revenue per share +6.5 %, EBIT margin +3.5 %, tax rate −0.9 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Lollands Bank

How large is the market capitalisation of Lollands Bank (LOLB)?
The market capitalisation of Lollands Bank is 940M DKK (≈ $143M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Lollands Bank (LOLB)?
The price-to-sales ratio of Lollands Bank is 0.59 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Lollands Bank (LOLB)?
Earnings per share at Lollands Bank are kr 409.29 (price ÷ EPS = P/E 2.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Lollands Bank (LOLB)?
The dividend yield of Lollands Bank is 3.2% (payout 6.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Lollands Bank (LOLB)?
The net margin of Lollands Bank is 27.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Lollands Bank (LOLB)?
The return on equity (ROE) of Lollands Bank is 8.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Lollands Bank (LOLB)?
On an EBIT basis the return on assets of Lollands Bank is 2.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Lollands Bank (LOLB)?
The operating margin of Lollands Bank is 30.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lollands Bank (LOLB)?
Revenue at Lollands Bank is growing −8.2% versus a year earlier (3y avg +17.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Lollands Bank (LOLB)?
Earnings per share at Lollands Bank are growing −29.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Lollands Bank (LOLB) generate?
The free cash flow of Lollands Bank is −193M DKK (fiscal year 2023). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Lollands Bank (LOLB) hold?
Lollands Bank holds more cash than debt, 834M DKK net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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