Ålandsbanken Abp (ALBAV.HE)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | €m | 150 | 175 | 184 | 203 | 216 | 235 | 218 | - |
| Operating profit | €m | 67 | 62 | ||||||
| Net profit | €m | 31 | 40 | 37 | 49 | 52 | 55 | 50 | - |
| EPS reported | € | 3.53 | 3.21 | ||||||
| Operating cashflow per share | € | -0.21 | 3.91 | ||||||
| Capex per share | € | 0.27 | 0.29 | ||||||
| FCF per share | € | -0.49 | 3.62 | ||||||
| Free cash flow | €m | -7 | 56 | ||||||
| Net debt | €m | 729 | 671 | ||||||
| Book value equity | €m | 325 | 302 | ||||||
| Book value per share | € | 21.03 | 19.57 | ||||||
| Number of shares | m | 15.46 | 15.45 | ||||||
| DPS (TTM paid) | € | 2.75 | 3.50 |
Financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.09 | 14.02 | ||||||
| P/B LTM | x | 2.13 | 2.29 | ||||||
| P/S LTM | x | 2.95 | 3.19 | ||||||
| P/FCF LTM | x | -92.46 | 12.45 | ||||||
| EV/EBITDA LTM | x | 18.16 | 21.89 | ||||||
| EV/Sales LTM | x | 4.86 | 4.89 | ||||||
| Earnings Yield LTM | % | +7.64% | +7.13% | ||||||
| FCF Yield | % | -1.08% | +8.03% | ||||||
| Quality | |||||||||
| ROE | % | +16.80% | +15.71% | ||||||
| ROIC | % | +1.06% | +0.97% | ||||||
| Operating margin | % | +22.76% | +22.73% | ||||||
| Gross margin | % | +79.01% | +79.34% | ||||||
| FCF/Sales | % | -2.53% | +20.29% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +4.13% | -5.31% | ||||||
| Sales Growth YoY | % | +8.89% | +0.96% | ||||||
| Net Income Growth YoY | % | +4.48% | -4.89% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +3.66% | -4.03% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +6.35% | +8.05% | ||||||
| Dividend Growth | % | 0.00% | +27.27% | ||||||
| Payout Ratio | % | +80.64% | +91.32% | ||||||
| FCF/Debt | x | -0.01 | 0.07 | ||||||
| Net Debt/EBITDA | x | 9.40 | 10.21 | ||||||
| EBIT/Net interest | x | 1.10 | 1.10 | ||||||
| Net debt/market cap | % | +1.36% | +1.26% | ||||||
| Net debt/Equity | x | 2.24 | 2.22 | ||||||
| Gross debt/equity | x | 2.95 | 2.79 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Ålandsbanken Abp functions as a commercial banking entity serving clients across Finland and Sweden. Its product portfolio includes various deposit solutions, such as conventional savings accounts, term deposits, cash accounts linked to securities, and certificates of deposit. The bank provides an array of lending options for private individuals, encompassing home mortgage financing, loans backed by securities, credit for business ventures, and other household-related borrowing. It also extends credit facilities to corporations, public sector bodies, and non-profit organizations, in addition to issuing credit and debit cards and earning commissions from lending and guarantees. Furthermore, Ålandsbanken offers extensive investment management services, including personalized discretionary and advisory asset management, fund administration, and securities brokerage. Other provisions include cashier and payment processing services, alongside secure safe deposit boxes. Uniquely, the institution also develops and furnishes banking IT systems for smaller and mid-sized financial establishments. Founded in 1919, Ålandsbanken is headquartered in Mariehamn, Finland, and conducts its operations through a network of 11 branches.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Ålandsbanken Abp (ALBAV.HE)
No price history available.
Not enough data to calculate KvantraRank
Based on consensus from external analysts. Not Kvantra's opinion.
Ålandsbanken Abp functions as a commercial banking entity serving clients across Finland and Sweden. Its product portfolio includes various deposit solutions, such as conventional savings accounts, term deposits, cash accounts linked to securities, and certificates of deposit. The bank provides an array of lending options for private individuals, encompassing home mortgage financing, loans backed by securities, credit for business ventures, and other household-related borrowing. It also extends credit facilities to corporations, public sector bodies, and non-profit organizations, in addition to issuing credit and debit cards and earning commissions from lending and guarantees. Furthermore, Ålandsbanken offers extensive investment management services, including personalized discretionary and advisory asset management, fund administration, and securities brokerage. Other provisions include cashier and payment processing services, alongside secure safe deposit boxes. Uniquely, the institution also develops and furnishes banking IT systems for smaller and mid-sized financial establishments. Founded in 1919, Ålandsbanken is headquartered in Mariehamn, Finland, and conducts its operations through a network of 11 branches.
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