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.
Ringkjøbing Landbobank A/S is a Denmark-based regional bank founded in 1886 and headquartered in Ringkøbing. It specializes in providing comprehensive banking services to private individuals, households, and small and medium-sized enterprises (SMEs), primarily in central and western Jutland, with operations extending nationwide through digital platforms. The bank offers deposit products, loans, credits, guarantees, mortgages, investment products, insurance, pensions, asset and wealth management, securities trading, custody accounts, foreign exchange, and payment handling services. Notable niche areas include financing for private medical practices, dentists, wind turbines, solar panels, and first-priority rental property funding in Denmark and Germany. Operating through a head office and select branches, supplemented by online and mobile banking, Ringkjøbing Landbobank A/S maintains a strong focus on credit line management and cost control. With approximately 690 employees and a balance sheet total exceeding 78 billion DKK, it plays a key role in supporting local economies, energy initiatives, and private banking in the Danish financial landscape.
DKK 207.60
DKK 0.60 (-0.29%)
EOD Jul 1, 2026
56.23% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 0.4% 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.
2.3x 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 4.10B
▼ -0.4% YoY
Net Income (TTM)
DKK 2.28B
▲ +0.5% YoY
Net Margin
55.72%
P/E
2.3x
Balance Sheet
Total Assets
DKK 86.31B
Equity
DKK 11.57B
Total Debt
DKK 12.50B
Cash & Equiv.
DKK 5.52B
3Y CAGR: +13.6%
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At a P/E of 2.3, Ringkjøbing Landbobank A/S (RILBA.XCSE)'s valuation is best read against its own history, its peers, and the growth its price implies. 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, Ringkjøbing Landbobank A/S scores 94/100 on Intrinsiqq's quality scorecard, weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
Ringkjøbing Landbobank A/S scores 94 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality 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.
That depends on valuation and quality together, not either alone. you should weigh RILBA.XCSE's valuation and scores 94/100 on quality (high-quality). 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.