Ringkjoebing Landbobank A/S (RILBA) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Ringkjoebing Landbobank A/S DKK 944, price DKK 1,840, upside -48.7%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
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 606.78 – kr 1,861 · fair‑value band kr 708.24 – kr 1,180 · the kr 1,840 price screens above the kr 944.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Ringkjøbing Landbobank A/S provides various financial products and services in Denmark. 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.
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Ringkjøbing Landbobank A/S provides various financial products and services in Denmark. 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 1,840, while our model-based Fair Value estimate is kr 944.32, implying the stock looks roughly 94.9% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of kr 924.37 per share, and 0 of the 6 models we run sit above the kr 1,840 price.
Bear case: the Dividend Discount group reads lowest at kr 108.91, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: kr 708.24 (bear) to kr 1,180 (bull), the price of kr 1,840 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 44.8B DKK (≈ $6.8B) · P/E ratio 20.0 · P/S ratio 9.24 · EPS (TTM) kr 92.20 · Dividend yield 0.7% · Net margin 46.3% · Return on equity 20.4% · Return on assets (EBIT) 3.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 33% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −49%, RILBA screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (kr 108.91 to kr 1,265). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear kr 708.24Fair Value kr 944.32Bull kr 1,180
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 58.62 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.
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.
+23.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+23.2%
Dividend (yield on the price)0.7%
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% vs 17%, 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%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+76.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+2.0%
Yearly sales growth analysts expect, extended to five years.
After inflation (Denmark: IMF forecast 2.1% a year to 2030, 2.0% from 2016 to 2025) that is about +72.4% a year for the price and −0.1% for the forecasts.
Compare Ringkjoebing Landbobank A/S with another stock
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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 · 1074 stocks
Beats the industry median on 5/15 measures
Overall it trails its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside−49% · Bottom 25%
Profitability
Return on equity (TTM)20% · Top 25%
Return on assets3% · Top 25%
Net margin (TTM)55% · Top 25%
Operating margin (TTM)74% · Top 25%
Growth and dividend
Revenue growth−2% · Bottom 25%
Dividend yield (TTM)0.7% · Bottom 25%
Balance sheet
Debt / equity0.49× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)20.0× · Priciest 25%
P/B3.92× · Priciest 25%
P/S (TTM)10.97× · Priciest 25%
P/FCF103.7× · Priciest 25%
EV/EBITDA14.9× · Priciest 25%
PEG2.15× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 12
FUTURE (revenue growth)0· sector 45
PAST (return on equity)81· sector 41
HEALTH (low debt)76· sector 85
DIVIDEND (yield)13· sector 53
VALUE 0: the price sits above our fair-value range.
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 Sep 24, 2026, our model estimates a fair value of kr 944.32 versus a price of kr 1,840, about −49% upside (overvalued).
What is the fair value of RILBA?
Our model-based fair value for Ringkjoebing Landbobank A/S is kr 944.32 (as of Sep 24, 2026), built from audited fundamentals. The current price: kr 1,840.
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 944.32 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario kr 708.24, optimistic scenario kr 1,180. 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 944.32, about −49% upside versus a price of kr 1,840 (overvalued). Cautious scenario kr 708.24, optimistic scenario kr 1,180. 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 4.1B DKK (latest available figure, as of Sep 24, 2026).
Does Ringkjoebing Landbobank A/S pay a dividend?
Ringkjoebing Landbobank A/S currently shows a dividend yield of about 0.65% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Ringkjoebing Landbobank A/S (RILBA)?
For today's price to be fair in a discounted-cash-flow model, Ringkjoebing Landbobank A/S would have to grow free cash flow by +76.0 % per year for five years (discount rate 7.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +16.8 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of RILBA use?
Our models discount Ringkjoebing Landbobank A/S at 7.9 %: a base by market capitalisation (large), damped by beta 0.30, country premium for Denmark. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Ringkjoebing Landbobank A/S that is +76.0 % per year a year over ten years, using the same discount rate (7.9 %) and the same formula as our fair value.
How much growth has Ringkjoebing Landbobank A/S (RILBA) delivered so far?
Over the past 5 years revenue at Ringkjoebing Landbobank A/S grew +16.8 % a year. The price currently implies +76.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Ringkjoebing Landbobank A/S (RILBA) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Ringkjoebing Landbobank A/S (+76.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Ringkjoebing Landbobank A/S (RILBA)?
The free-cash-flow yield on the price is 0.15 %: that much free cash flow Ringkjoebing Landbobank A/S produces per unit of market value. When it exceeds the discount rate of our models (7.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 944.32 per share (as of Sep 24, 2026), against a price of kr 1,840. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Ringkjoebing Landbobank A/S stock overvalued or undervalued in 2026?
As of Sep 24, 2026, RILBA trades above its calculated fair value: price kr 1,840, fair value kr 944.32, a gap of about −49% (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 1,840); the fair value is what the company's own numbers justify (kr 944.32). For Ringkjoebing Landbobank A/S the two are kr 895.68 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 44.8B DKK (market capitalisation, as of Sep 24, 2026). Per share that is kr 1,840; our models calculate a fair value of kr 944.32 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 708.24, base kr 944.32, optimistic kr 1,180 per share (as of Sep 24, 2026, price kr 1,840). 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 20.0 (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 944.32 is built from several models across several years. Other multiples: PEG 2.2, P/B 3.9, P/S 11.0, EV/EBITDA 14.9.
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 Sep 24, 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 Sep 24, 2026): return on equity 20.4%, 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 1,840, about 1% below its 52-week high of kr 1,861 and 33% above the low of kr 1,384 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of kr 944.32 is for.
Which stocks are comparable to Ringkjoebing Landbobank A/S?
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 Ringkjoebing Landbobank A/S stock attractive at the current price?
The data as of Sep 24, 2026: price kr 1,840, calculated fair value kr 944.32 (−49%), Quality Score 57/100, 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 RILBA calculated?
We run Ringkjoebing Landbobank A/S 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 944.32, 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 14.1 % 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 Sep 23, 2026 was kr 1,840. Our model-based fair value is kr 944.32, about −49% upside (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 1,180). 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 44.8B DKK (≈ $6.8B). 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 9.24 (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 Ringkjoebing Landbobank A/S (RILBA)?
Earnings per share at Ringkjoebing Landbobank A/S are kr 92.20 (price ÷ EPS = P/E 20.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Ringkjoebing Landbobank A/S (RILBA)?
The dividend yield of Ringkjoebing Landbobank A/S is 0.7% (payout 13.0%). 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 Ringkjoebing Landbobank A/S (RILBA)?
The net margin of Ringkjoebing Landbobank A/S is 46.3% (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 Ringkjoebing Landbobank A/S (RILBA)?
The return on equity (ROE) of Ringkjoebing Landbobank A/S is 20.4% (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 74.0% (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 −2.4% 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 −2.8% versus a year earlier. How much earnings per share grew versus a year earlier.
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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