RILBA Stock Analysis: Ringkjoebing Landbobank | CO
Banks - Regional | CO, Denmark | Market Cap: 41.885m DKK | 12M Return: 29.5% | DK0060854669 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 38.3M
EPS Trend: 91.7%
Qual. Beats: 6
Rev. Trend: 67.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.8 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Ringkjøbing Landbobank A/S is a Danish regional bank offering deposits, loans, credit, guarantees, mortgages, insurance, pensions, investment products, and payment services. It also provides securities trading, custody, digital banking, and wealth management to customers in Denmark.
Founded in 1886 and headquartered in Ringkøbing, the bank operates a relationship-focused financial business model, earning income from lending and other banking services as well as investment and wealth management. Its shares trade as RILBA on the Copenhagen exchange.
- Danish rate cuts pressure net interest margins and deposit spreads
- Wind-energy lending growth lifts revenue but increases sector concentration risk
- Wealth-management fees diversify earnings beyond interest income
| Net Income: 2.37b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.0 > 0.02 and ΔFCF/TA 0.0 > 1.0 |
| NWC/Revenue: -1.15k% < 20% (prev -529.4%; Δ -624.5% < -1%) |
| CFO/TA 0.0 > 3% & CFO 0.0 > Net Income 2.37b |
| Net Debt (8.19b) to EBITDA (3.18b): 2.57 < 3 |
| Current Ratio: 0.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (23.5m) vs 12m ago -15.39% < -2% |
| Gross Margin: 84.95% > 18% (prev 75.17%; Δ 9.77% > 0.5%) |
| Asset Turnover: 5.81% > 50% (prev 9.22%; Δ -3.41% > 0%) |
| Interest Coverage Ratio: 3.86 > 6 (EBIT TTM 3.15b / Interest Expense TTM 816.7m) |
| A: -0.63 (Total Current Assets 5.64b - Total Current Liabilities 65.2b) / Total Assets 95.2b |
| B: 0.12 (Retained Earnings 11.7b / Total Assets 95.2b) |
| C: 0.04 (EBIT TTM 3.15b / Avg Total Assets 88.7b) |
| D: 0.14 (Book Value of Equity 11.8b / Total Liabilities 83.5b) |
| Altman-Z'' = -3.31 = D |
As of November 12, 2026, the stock is trading at DKK 1858.00 with a total of 12,974 shares traded. Over the past week, the price has changed by +3.51%, over one month by +4.50%, over three months by +5.33% and over the past year by +29.54%.
Current recommended Stop Loss: 1784.80 (which is 3.9% or 2 ATR below the current price).
Ringkjoebing Landbobank has no consensus analysts rating.
P/E Trailing = 18.8767
P/E Forward = 13.8313
P/S = 9.7931
P/B = 3.562
P/EG = 2.1518
Revenue TTM = 5.16b DKK
EBIT TTM = 3.15b DKK
EBITDA TTM = 3.18b DKK
Long Term Debt = 12.8b DKK (estimated: total debt 13.8b - short term 1.00b)
Short Term Debt = 1.00b DKK (from shortTermDebt, last quarter)
Debt = 13.8b DKK (from shortLongTermDebtTotal, last quarter)
Net Debt = 8.19b DKK (calculated: Debt 13.8b - CCE 5.64b)
Enterprise Value = 50.1b DKK (41.9b + Debt 13.8b - CCE 5.64b)
Interest Coverage Ratio = 3.86 (Ebit TTM 3.15b / Interest Expense TTM 816.7m)
EV/FCF = unknown (FCF TTM 0.0)
FCF Yield = 0.0% (FCF TTM 0.0 / Enterprise Value 50.1b)
FCF Margin = 0.0% (FCF TTM 0.0 / Revenue TTM 5.16b)
Net Margin = 45.96% (Net Income TTM 2.37b / Revenue TTM 5.16b)
Gross Margin = 84.95% ((Revenue TTM 5.16b - Cost of Revenue TTM 776.8m) / Revenue TTM)
Gross Margin QoQ = 82.87% (prev 85.22%)
Tobins Q-Ratio = 0.53 (Enterprise Value 50.1b / Total Assets 95.2b)
Interest Expense / Debt = 5.91% (Interest Expense 816.7m / Debt 13.8b)
Taxrate = 24.74% (778.6m / 3.15b)
NOPAT = 2.37b (EBIT 3.15b * (1 - 24.74%))
Current Ratio = 0.09 (Total Current Assets 5.64b / Total Current Liabilities 65.2b)
Debt / Equity = 1.18 (Debt 13.8b / totalStockholderEquity, last quarter 11.8b)
Debt / EBITDA = 2.57 (Net Debt 8.19b / EBITDA 3.18b)
Debt / FCF = unknown (Net Debt 8.19b / FCF TTM 0.0)
Total Stockholder Equity = 11.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.67% (Net Income 2.37b / Total Assets 95.2b)
RoE = 20.47% (Net Income TTM 2.37b / Total Stockholder Equity 11.6b)
RoCE = 12.90% (EBIT 3.15b / Capital Employed (Equity 11.6b + L.T.Debt 12.8b))
RoIC = 2.50% (NOPAT 2.37b / Invested Capital 95.0b)
WACC = 6.34% (E(41.9b)/V(55.7b) * Re(6.96%) + D(13.8b)/V(55.7b) * Rd(5.91%) * (1-Tc(0.25)))
Discount Rate = 6.96% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -61.86 | Cagr: -4.45%
[DCF] Fair Price = unknown (Cash Flow 0.0)
EPS Correlation: 91.69 | EPS CAGR: 5.68% | SUE: 1.43 | # QB: 6
Revenue Correlation: 66.99 | Revenue CAGR: 16.07% | SUE: 0.26 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2026-12-31): EPS=103.39 | Chg30d=+0.02% | Revisions=+17% | GrowthEPS=+9.1% | GrowthRev=+6.9%
EPS next Year (2027-12-31): EPS=120.23 | Chg30d=+3.86% | Revisions=+29% | GrowthEPS=+16.3% | GrowthRev=+10.5%
[Analyst] Revisions Ratio: +30% (up=5, down=2)