Ringkjoebing Landbobank A/S (RILBA) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Ringkjoebing Landbobank A/S stock DKK 955, price DKK 1,788, that is 46.6% below the price, quality 57 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range kr 697.03 – kr 1,875 · fair‑value band kr 716.59 – kr 1,194 · the kr 1,788 price screens above the kr 955.46 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Ringkjøbing Landbobank A/S provides various financial products and services in Denmark.
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It offers various deposit products; loans, credits, and guarantees; investment products; insurance and pension; and a range of financial services, including asset and investment management, and payment handling services.
The company also provides mortgages loans; securities trading; custody accounts; online and mobile banking; payment solutions; and wealth management services. Ringkjøbing Landbobank A/S was founded in 1886 and is headquartered in Ringkøbing, Denmark.
Stock analysis
Ringkjoebing Landbobank A/S (RILBA) currently trades at kr 1,788, while our model-based Fair Value estimate is kr 955.46, 47% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of kr 955.46 per share, and 0 of the 4 models we run sit above the kr 1,788 price.
Bear case: the Asset-Based group reads lowest at kr 302.06, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: kr 716.59 (bear) to kr 1,194 (bull), the price of kr 1,788 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 57/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Ringkjoebing Landbobank A/S reported revenue of 5.0B DKK in FY2025 versus 2.6B DKK in FY2021, a compound +18.3%/yr. Reported net income was 2.3B DKK in FY2025, compounding +17.1%/yr from FY2021.
Key figures
Market cap 42.6B DKK (≈ $6.3B) Mid · P/E ratio 19.6 · P/S ratio 10.2 · EPS (TTM) kr 91.43 · Net margin 55.3% · Return on equity 20.3% · Return on assets (EBIT) 3.3% (5-year average) · Operating margin 73.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 74 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 29% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −47%, RILBA screens richer than that median.
Fair Value models
Bearkr 716.59Fair Value kr 955.46Bullkr 1,194
Price kr 1,788 · Downside -46.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (kr 78.15 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.
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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−4.3%
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.
+18.7%
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.
+16.8%
Start year 2020 (pandemic). Over 10 years: +16.9% a year
Revenue growth 25 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.
+10.7%
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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.
+23.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+23.2%
Dividend (yield on the price)0.0%
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.23.2% vs 16.8%, picking up
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.50% → 61%
News mood ⓘNews mood, the average tone of recent news (87 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: The regional bank's strength is its low cost base and credit discipline that generate surplus capital for repeated buybacks after niche growth, while its main weakness is the absence of proven durable moat signals and uncertain efficiency at larger scale.
Main risk: Scale could introduce new cost pressures that erode the low cost base advantage and hit margins in its regional banking operations focused on niches like renewable energy.
Ringkjøbing Landbobank runs repeated buybacks because its operations generate surplus capital after funding targeted growth in niches like renewable energy and medical practices. The approach relies on one of the sector’s lowest cost bases and a history of strong credit discipline. Will the efficiency hold as the bank grows larger or will scale introduce new cost pressures?
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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 · 998 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside−46.6% · Bottom 25%
Profitability
Return on equity (12 months)20.3% · Top 25%
Return on assets2.7% · Top 25%
Net margin (12 months)55.3% · Top 25%
Operating margin (12 months)73.3% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)5.9% · Below median
Dividend yield (12 months)0.0% · Bottom 25%
Balance sheet
Debt / equity0.49× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)19.6× · Priciest 25%
P/B3.68× · Priciest 25%
P/S (12 months)10.16× · Priciest 25%
EV/EBITDA14.0× · Pricier than median
PEG2.15× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 8
FUTURE (revenue growth)30· sector 47
PAST (return on equity)81· sector 43
HEALTH (low debt)–
DIVIDEND (yield)0· sector 53
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Ringkjoebing Landbobank A/S (RILBA) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of kr 955.46 versus a price of kr 1,788, about 47% lower (overvalued).
What is the fair value of RILBA?
Our model-based fair value for Ringkjoebing Landbobank A/S is kr 955.46 (as of Nov 8, 2026), built from audited fundamentals. The current price: kr 1,788.
What is the quality score of RILBA?
Ringkjoebing Landbobank A/S has a Quality Score of 57/100. 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 Ringkjoebing Landbobank A/S (RILBA)?
Our model-based price target is the fair value of kr 955.46 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario kr 716.59, optimistic scenario kr 1,194. It is a calculation from audited fundamentals, not an analyst target.
What is the Ringkjoebing Landbobank A/S stock forecast for 2026?
Our models put fair value at kr 955.46, about 47% lower versus a price of kr 1,788 (overvalued). Cautious scenario kr 716.59, optimistic scenario kr 1,194. The calculation is refreshed regularly with new filings.
What is the revenue of Ringkjoebing Landbobank A/S (RILBA)?
Ringkjoebing Landbobank A/S reported trailing-twelve-month revenue of about 4.2B DKK (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Ringkjoebing Landbobank A/S (RILBA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ringkjoebing Landbobank A/S it is kr 955.46 per share (as of Nov 8, 2026), against a price of kr 1,788. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Ringkjoebing Landbobank A/S stock overvalued or undervalued in 2026?
As of Nov 8, 2026, RILBA trades above its calculated fair value: price kr 1,788, fair value kr 955.46, a gap of about −47% (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 RILBA?
No. The price is what the market pays today (kr 1,788); the fair value is what the company's own numbers justify (kr 955.46). For Ringkjoebing Landbobank A/S the two are kr 832.54 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ringkjoebing Landbobank A/S worth?
The market values Ringkjoebing Landbobank A/S at about 42.6B DKK (market capitalisation, as of Nov 8, 2026). Per share that is kr 1,788; our models calculate a fair value of kr 955.46 per share.
What do the bullish and bearish scenarios say about RILBA?
Our models span a range for Ringkjoebing Landbobank A/S: cautious scenario kr 716.59, base kr 955.46, optimistic kr 1,194 per share (as of Nov 8, 2026, price kr 1,788). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RILBA?
Ringkjoebing Landbobank A/S trades at a price-to-earnings ratio of 19.6 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of kr 955.46 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings: 15.4. Other multiples: PEG 2.2, P/B 3.7, P/S 10.2, EV/EBITDA 14.0.
What is the PEG ratio of RILBA?
The PEG ratio of Ringkjoebing Landbobank A/S is 2.15 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Ringkjoebing Landbobank A/S (RILBA)?
Balance-sheet figures for Ringkjoebing Landbobank A/S (as of Nov 8, 2026): return on equity 20.3%, debt of 0.49 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is RILBA from its 52-week high?
Ringkjoebing Landbobank A/S trades at kr 1,788, about 5% below its 52-week high of kr 1,875 and 29% above the low of kr 1,384 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of kr 955.46 is for.
Which stocks are comparable to Ringkjoebing Landbobank A/S?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 Ringkjoebing Landbobank A/S stock attractive at the current price?
The data as of Nov 8, 2026: price kr 1,788, calculated fair value kr 955.46 (−47%), Quality Score 57/100, from 4 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 RILBA calculated?
We run Ringkjoebing Landbobank A/S through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of kr 955.46 builds on their evidence-weighted average, 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. Ringkjoebing Landbobank A/S 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 Ringkjoebing Landbobank A/S (RILBA)?
The closing price on Nov 6, 2026 was kr 1,788. Our model-based fair value is kr 955.46, about 47% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ringkjoebing Landbobank A/S right now?
The price sits above even our optimistic bull case (kr 1,194). The favourable scenario is already priced in. Solid but not exceptional quality (57/100) 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.
Where does the earnings growth of Ringkjoebing Landbobank A/S (RILBA) come from?
Earnings per share at Ringkjoebing Landbobank A/S grew +17.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +16.6 %, EBIT margin +0.8 %, tax rate −0.4 %, 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 Ringkjoebing Landbobank A/S
How large is the market capitalisation of Ringkjoebing Landbobank A/S (RILBA)?
The market capitalisation of Ringkjoebing Landbobank A/S is 42.6B DKK (≈ $6.3B). 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 Ringkjoebing Landbobank A/S (RILBA)?
The price-to-sales ratio of Ringkjoebing Landbobank A/S is 10.2 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Ringkjoebing Landbobank A/S (RILBA)?
Earnings per share at Ringkjoebing Landbobank A/S are kr 91.43 (price ÷ EPS = P/E 19.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Ringkjoebing Landbobank A/S (RILBA)?
The net margin of Ringkjoebing Landbobank A/S is 55.3% (last twelve months). 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 Ringkjoebing Landbobank A/S (RILBA)?
The return on equity (ROE) of Ringkjoebing Landbobank A/S is 20.3% (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 Ringkjoebing Landbobank A/S (RILBA)?
On an EBIT basis the return on assets of Ringkjoebing Landbobank A/S is 3.3% (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 Ringkjoebing Landbobank A/S (RILBA)?
The operating margin of Ringkjoebing Landbobank A/S is 73.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ringkjoebing Landbobank A/S (RILBA)?
Revenue at Ringkjoebing Landbobank A/S is growing +5.9% versus a year earlier (3y avg +18.7%). 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 Ringkjoebing Landbobank A/S (RILBA)?
Earnings per share at Ringkjoebing Landbobank A/S are growing +18.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Ringkjoebing Landbobank A/S (RILBA) generate?
The free cash flow of Ringkjoebing Landbobank A/S is 66.8M 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 debt does Ringkjoebing Landbobank A/S (RILBA) carry?
The net debt of Ringkjoebing Landbobank A/S is 12.5B DKK (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 8, 2026