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    Regional banks
Ringkjobing Landbobank A/S

Ringkjobing Landbobank A/S

229.40
EUR
-6.00
(-2.55%)
4.96BMarket Cap
Feb 03Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
36.31
41.67
41.7
45.87
47.78
61.12
73.63
74.83
85.24
100.13
138.68
158.32
165.15
- -
Basic EPS, GAAP
14.97
19.11
20.08
24.16
26.05
24.87
33.11
31.56
42.76
53.4
78.14
88.14
92.86
- -
Free Cash Flow per Basic Share
17.8
19.1
-42.91
100.96
5.31
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
2.86
5.12
5.31
6.15
7.12
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
121.45
132.8
144.28
159.16
175
240.68
260.36
280.29
306.79
337.34
390.95
433.13
475.19
488.06
Tangible Book Value per Share
121.45
132.8
144.28
159.16
175
205.03
224.44
244.68
269.42
299.48
353.09
394.17
435.22
447.59
Basic Weighted Avg Shares
24
23
23
22
23
27
30
29
29
28
28
26
25
9
Sales/Revenue/Turnover
867
972
953
1,025
1,080
1,630
2,176
2,181
2,451
2,803
3,825
4,133
4,114
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
4
12
7
9
4
18
33
28
30
35
34
44
34
- -
Net Income, GAAP
358
446
459
539
589
663
978
920
1,229
1,495
2,155
2,301
2,313
- -
Effective Tax Rate (%)
24.2
24.05
22.03
18.43
19.91
18.44
21.45
19.63
20.08
20.49
24.02
25.03
24.31
- -
Profit Margin (%)
41.24
45.86
48.14
52.66
54.52
40.68
44.96
42.17
50.16
53.33
56.35
55.67
56.23
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,376
2,513
1,875
2,126
2,645
4,793
6,586
6,360
7,036
9,860
9,313
9,802
12,497
12,215
Total Equity
2,901
3,099
3,296
3,555
3,817
7,189
7,610
8,146
8,723
9,295
10,451
11,034
11,568
11,620
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
7.24
8.19
8.51
9.94
9.7
7.19
7.47
6.41
8.12
8.56
11.08
11.33
10.3
- -
Return on Common Equity (%)
12.83
14.86
14.35
15.75
15.97
12.05
13.22
11.67
14.57
16.59
21.83
21.42
20.47
- -

Capital Structure

DKK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
24
24
24
Market Capitalization
37,339
36,962
37,045

Working Capital

DKK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
5,520
6,241
5,868
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

DKK

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.3%
7.3%
4.84%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
18.77%
21.35%
0.55%
Sales/Revenue/Turnover
16.84%
14.16%
-0.45%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,063
1,018
1,042
1,007
4,133
2025
1,049
1,036
- -
1,036
4,114
2026
1,032
1,082
- -
- -
- -

Quarterly Earnings Per Share

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
23.17
161.87
170.61
155.93
88.14
2025
24.31
173.02
- -
172.39
92.86
2026
23.63
191.47
- -
- -
- -

Quarterly Dividends Per Share

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
John Bull Fisker
Full Time Employees
688
Sector
Finance
Industry
Regional banks
Address
Torvet 1 Ringkobing CD Denmark 6950
IPO Date
Jan 2, 1985
Website
landbobanken.dk
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Business
Ringkjøbing Landbobank A/S (RILBA.CO) is a Denmark-based regional full-service bank providing banking products and services to private individuals, households, small- and medium-sized enterprises (SMEs), and niche markets including private banking and renewable energy. The bank offers deposit products such as current accounts, savings accounts, and time deposits; lending solutions including consumer loans, car loans, overdraft facilities, mortgages, credits, and guarantees; investment and wealth management services encompassing pension funds, securities trading, custody accounts, equity investments, and asset advisory; insurance products; payment services; card services (debit and credit); foreign exchange transactions; and digital banking via internet and mobile platforms. It operates primarily in West, Central, and North Jutland, with a nationwide presence through branches and specialized services, maintaining a balance sheet total of DKK 78.6 billion, Tier 1 capital ratio of 16.6%, and total capital ratio of 19.8% as of end-2024. Founded in 1886 and headquartered at Torvet 1 in Ringkøbing, Denmark, the bank emphasizes credit line management, cost control, and customer relationships built on competence, responsiveness, and propriety, serving approximately 665 employees and over 48,000 shareholders. In recent developments, Ringkjøbing Landbobank entered a guarantee agreement with the European Investment Fund in 2024 to support green investments for Danish SMEs, enhancing financing for sustainable projects; provided major credit funding to Nordic Solar in December 2024 for Denmark's first battery energy storage system (BESS) project near Hillerød, marking an expansion into battery storage financing amid the green transition; reported strong Q1-Q3 2025 financials with core earnings of DKK 2,321 million, net profit of DKK 1,753 million (21% p.a. return on equity), 7% annual loan growth, and 9% deposit growth; and executed an ongoing share buyback program launched in June 2025, repurchasing over 959,000 shares worth approximately DKK 1.3 billion by early December 2025 to optimize capital structure.