Voss Veksel- og Landmandsbank ASA (VVL) Fair Value & Analysis
Financial Services · NO · Market cap 1.0B NOK
Fair value as of: Jul 14, 2026
From 6 valuation models · updated 27 days ago
Share price −5.9% over the past month.
A solid business, screening 17% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from kr 392.17 (bear) to kr 653.62 (bull), base kr 522.90. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 52/100 (solid quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 14, 2026.
How to read this chart
60‑month range kr 143.63 – kr 515.00 · fair‑value band kr 392.17 – kr 653.62 · the kr 446.00 price screens below the kr 522.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 14, 2026.
Analysis
Voss Veksel- og Landmandsbank ASA (VVL) currently trades at kr 446.00, while our model-based Fair Value estimate is kr 522.90, implying the stock looks roughly 17.2% undervalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Voss Veksel- og Landmandsbank ASA generated revenue of 195M NOK at a net margin of 44.0%. Revenue declined 4.4% year over year. It earns a return on equity of 10.3%. Net debt stands at 1.0B NOK. Fundamentals as of Jul 14, 2026
Our scenario range runs from kr 392.17 (bear case) to kr 653.62 (bull case); at kr 446.00, 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 14% below its 52-week high and 31% 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 17%, VVL 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 522.90) versus Dividend Discount (kr 187.40). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 14, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 44 · Market factors (momentum, volatility) 66
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
Voss Veksel- og Landmandsbank ASA provides banking and insurance services to private individuals, business, and agriculture in Norway.
Full company description
Voss Veksel- og Landmandsbank ASA provides banking and insurance services to private individuals, business, and agriculture in Norway. It offers saving accounts; car and other vehicle, home, small, and construction loans; overdrafts facilities; leasing services; bank guarantees; bank and payment cards; insurance products; and online and mobile banking services. The company was founded in 1843 and is based in Voss, Norway.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Voss Veksel- og Landmandsbank ASA reported revenue of kr 198M in FY2025 versus kr 144M in FY2021, a compound +8.2%/yr. Reported net income was kr 88.6M in FY2025, compounding +18.7%/yr from FY2021.
of which total revenue +8.3 pp · buybacks/dilution −2.3 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).
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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 14, 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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