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.
Føroya Banki P/F is a Faroe Islands-based financial services company offering comprehensive banking and insurance solutions. Founded in 1906 and headquartered in Tórshavn, it provides personal and corporate banking services, including loans, deposits, and payment solutions, alongside non-life insurance products such as property, casualty, life, disability, and critical illness coverage, as well as real estate agency services. The company operates primarily in the Faroe Islands, where it holds about 40% of the full-service banking market share, with additional presence in Greenland through its Bankivik brand. Formerly known as P/F BankNordik until March 2024, Føroya Banki serves private individuals, businesses, and corporates through its Banking and Non-Life Insurance segments, generating significant revenue from these activities across the Nordic region. With around 199 employees, it plays a vital role in the local economy by supporting monetary intermediation and financial stability in these communities. Its operations emphasize full-service offerings tailored to regional needs, contributing to the financial infrastructure of the Faroe Islands and beyond.
DKK 33.55
+DKK 0.05 (+0.15%)
Live · 10:05 PM · Twelve Data
47.34% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 4.1% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
1.1x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
DKK 599M
▼ -4.1% YoY
Net Income (TTM)
DKK 283M
▼ -7.1% YoY
Net Margin
47.33%
P/E
1.1x
Balance Sheet
Total Assets
DKK 14.93B
Equity
DKK 2.02B
Total Debt
DKK 1.06B
Cash & Equiv.
DKK 3.49B
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At a P/E of 1.1 and a price-to-free-cash-flow of 0.7, Føroya Banki P/F (FOBANK.XCSE) trades below a two-stage DCF intrinsic value of about DKK 1,059.61 per share, so at DKK 33.55 the stock looks undervalued (3,058.3% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Føroya Banki P/F scores 54/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 62.9%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about DKK 1,059.61 per share for FOBANK.XCSE, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around DKK 794.71. At today's DKK 33.55, that puts the stock about 3,058.3% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Føroya Banki P/F scores 54 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed 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, Føroya Banki P/F pays a regular dividend of about DKK 21.10 per share per year (typically in quarterly installments), a yield of roughly 62.9% at the current price. That is a payout ratio of about 71.3% of earnings, so the dividend is covered, with less cushion. Føroya Banki P/F has grown the dividend at roughly 337.5% 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 FOBANK.XCSE's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. FOBANK.XCSE currently trades below its estimated intrinsic value and scores 54/100 on quality (mixed). It also yields about 62.9%. 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.