Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Ålandsbanken Abp is a Finnish commercial bank that provides comprehensive banking and financial services to private individuals and companies across Finland and Sweden. The bank offers deposit accounts including savings accounts and time deposits, payment services, debit and credit cards, and safety deposit boxes. Its lending services encompass various loan products for both personal and corporate customers, along with lending and guarantee commissions. The bank's investment services include discretionary asset management, advisory asset management, mutual fund management, and securities brokerage. Additionally, Ålandsbanken Abp operates a specialized IT business segment that provides banking computer systems and IT services to small and medium-sized banks in the Nordic region. The bank maintains branch offices across Åland Islands, the Finnish mainland, and Sweden, serving approximately 90,000 retail and private banking customers. Founded in 1919 and headquartered in Mariehamn, Finland, Ålandsbanken Abp operates as a diversified bank with a presence in private banking, premium banking, and technology-enabled financial services.
€46.00
+€1.20 (+2.68%)
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24.95% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue growth slowed to 1.5%, essentially flat. This is a business that needs a catalyst.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
13.2x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€220M
▲ +1.5% YoY
Net Income (TTM)
€54M
▲ +4.4% YoY
Net Margin
24.64%
P/E
13.2x
Balance Sheet
Total Assets
€5.17B
Equity
€386M
Total Debt
€193M
Cash & Equiv.
€215M
3Y CAGR: +6.0%
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At a P/E of 13.2, A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, Ålandsbanken Abp scores 78/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 6.0%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Ålandsbanken Abp scores 78 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Ålandsbanken Abp pays a regular dividend of about €2.74 per share per year (typically in quarterly installments), a yield of roughly 6.0% at the current price. That is a payout ratio of about 78.2% of earnings, so the dividend is covered, with less cushion. Ålandsbanken Abp has grown the dividend at roughly 7.9% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For ALBAV.XHEL's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh ALBAV.XHEL's valuation and scores 78/100 on quality (solid). It also yields about 6.0%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.