ALANDSBANKEN ABP (BANK OF ALAND) 'B'NPVAA

ALANDSBANKEN ABP (BANK OF ALAND) 'B'NPV

33.1EURD
0.00.00%
At close at Dec 20, 12:54 UTC
EUR
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0O2N fundamentals

Key facts

Market capitalization‪516.34 M‬EUR
Founded1919
Employees (FY)‪1.04 K‬
CEOPeter Wiklöf
About

Alandsbanken Abp engages in the provision of banking services to private individuals, corporate customers, and local government. It offers asset management services for institutional investors, web-based services, stock brokerage, issuance of credit and debit cards, business analysis services, and fund management. The company was founded in 1919 and is headquartered in Mariehamn, Aland Islands.

Ownership
‪‪8.89 M‬‬
Free Float shares
‪‪7.10 M‬‬ (79.87%)
Closely held shares
‪‪1.79 M‬‬ (20.13%)
Free Float shares
‪‪7.10 M‬‬ (79.87%)
Closely held shares
‪‪1.79 M‬‬ (20.13%)
Capital structure
Market cap
‪‪516.34 M‬‬
Debt
‪‪923.00 M‬‬
Cash & equivalents
‪‪136.00 M‬‬
Enterprise value
‪‪1.30 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪516.34 M‬‬
Price to earning ratio (P/E)
9.09x
Price to sales ratio (P/S)
1.90x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
9.09x
Price to sales ratio (P/S)
1.90x
Valuation ratios
‪0.00‬
‪0.60‬
‪1.20‬
‪1.80‬
‪2.40‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪3.50‬
‪7.00‬
‪10.50‬
‪14.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪15%‬
‪19%‬
‪23%‬
‪27%‬
‪31%‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪‪21.00 M‬‬
‪‪42.00 M‬‬
‪‪63.00 M‬‬
‪‪84.00 M‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪20.00 M‬‬
‪‪40.00 M‬‬
‪‪60.00 M‬‬
‪‪80.00 M‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪20.00 M‬‬
‪‪40.00 M‬‬
‪‪60.00 M‬‬
‪‪80.00 M‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2023
Private Banking
Premium Banking
Information Technology
Corporate and Other
By country
Period: 2023
Finland
Sweden

Dividends

Dividend yield, history and sustainability

Dividend summary
65.65%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
7.32%
Last payment
2.65
Last ex-date
Mar 27, 2024
Dividend history
‪4%‬
‪5%‬
‪6%‬
‪7%‬
‪8%‬
2019
2020
2021
2022
2023
‪0.00‬
‪0.60‬
‪1.20‬
‪1.80‬
‪2.40‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪‪−1.50 B‬‬
‪0.00‬
‪‪1.50 B‬‬
‪‪3.00 B‬‬
‪‪4.50 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪5.00‬
‪10.00‬
‪15.00‬
‪20.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio