Møns Bank A/S (MNBA) Fair Value & Analysis
Financial Services · DK · Market cap 752M DKK
Fair value as of: Jul 19, 2026
From 6 valuation models · updated 22 days ago
Share price +2.6% over the past month.
Below-average quality, and screening another 15% overvalued on our models.
What matters now
- Solid but not exceptional quality (49/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 19, 2026.
How to read this chart
60‑month range kr 172.33 – kr 404.00 · fair‑value band kr 253.12 – kr 421.87 · the kr 395.00 price screens above the kr 337.50 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 19, 2026.
Analysis
Møns Bank A/S (MNBA) currently trades at kr 395.00, while our model-based Fair Value estimate is kr 337.50, implying the stock looks roughly 14.6% overvalued today. The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Møns Bank A/S generated revenue of 245M DKK at a net margin of 21.2%. Revenue declined 13.0% year over year. It earns a return on equity of 7.3%. The balance sheet holds a net cash position of 1.6B DKK. Fundamentals as of Jul 19, 2026
Our scenario range runs from kr 253.12 (bear case) to kr 421.87 (bull case); at kr 395.00, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 3% below its 52-week high and 55% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -15%, MNBA screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples (kr 337.50) versus Dividend Discount (kr 16.35). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 70
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Møns Bank A/S provides banking products and services to private and wealth customers, small and medium-sized businesses in Denmark.
Full company description
Møns Bank A/S provides banking products and services to private and wealth customers, small and medium-sized businesses in Denmark. The company offers basic deposit accounts, savings, budget and flex accounts, and loans and credits; car loans and credits; housing loans; investment products; pension and insurance products; non-life insurance; payment cards; e-boxes; mobile banking; mobile pay and apple pay; online banking and meetings; and foreign payments. It also provides excess liquidity, payment processing, LEI code, cash handling, payment card, and financing solutions. Møns Bank A/S was founded in 1876 and is headquartered in Stege, Denmark.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Møns Bank A/S reported revenue of kr 271M in FY2025 versus kr 164M in FY2021, a compound +13.4%/yr. Reported net income was kr 51.9M in FY2025, compounding +2.8%/yr from FY2021.
of which total revenue +7.5 pp · buybacks/dilution −3.7 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
MNBA screens 15% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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