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Alandsbanken Abp A

Alandsbanken Abp A

ALBAV · HE · Financial Services / Banks - Regional

43.20EUR+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close43.20
Open44.70
Day Range43.20 – 44.70
52-Week Range40.68 – 55.37
Volume63
Market Cap686.73M
P/E (TTM)13.86
Forward P/E34.13
EPS3.21
Dividend Yield7.87%
Beta0.28
50-Day Avg45.70
200-Day Avg48.31

About

Ålandsbanken Abp, together with its subsidiaries, operates as a commercial bank for private individuals and companies in Finland and Sweden. It offers deposit accounts, including savings accounts, time deposits, and cash accounts connected to securities accounts; digital services and insurance; cashier and payment intermediate services; debit and credit cards; the Premium concept; bank safety deposit boxes; and currency exchange services. The company also provides financial services, such as lending products and securities account loans. In addition, it offers Investment services, which include discretionary asset management, advisory asset management, mutual fund management, and securities brokerage; and IT as a service. Further, the company supplies banking computer systems for small and medium-sized banks. Ålandsbanken Abp was incorporated in 1919 and is headquartered in Mariehamn, Finland.The Bank of Åland was founded on Åland in 1919 and the group with its three subsidiaries. The bank was listed on the stock exchange in 1942 and has operations in Åland as well as in Finland and Sweden.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Peter Wiklof L.L.M.
  • Employees1.02K
  • HeadquartersNygatan 2, Mariehamn, Finland, 22100, Finland
  • Websitehttps://www.alandsbanken.fi

Leadership

  • Mr. Peter Wiklof L.L.M.MD, CEO & Chairman of the Executive Team · b. 1966
  • Mr. Jan-Gunnar EurellDeputy MD, CFO & Member of the Executive Team · b. 1959
  • Ms. Tove ErikslundCOO & Member of the Executive Team · b. 1967
  • Mr. Juhana RauthoviChief Risk & Compliance Officer and Member of the Executive Team · b. 1975
  • Mr. Mikael MörnDirector of the Åland Business Area & Member of the Executive Team · b. 1965
  • Ms. Sofie HolmstromDirector of Business Area Partnerships & Business Development Manager and Member of Executive Team · b. 1985
  • Mr. Sebastian SchmidtHead of Sweden Business Area, CEO of Swedish Branch & Member of Group Executive Team · b. 1976
  • Linda LundSustainability Manager & Head of HR
  • Carola NilssonManaging Director of Ålandsbanken Fondbolag Ab
  • Mr. Niclas SodergardManaging Director at Crosskey Banking Solutions Ab Ltd

Financials

Income Statement

Currency: EUR2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue70.88M82.36M102.75M147.22M167.99M129.16M132.12M142.42M147.44M140.53M149.66M144.09M131.62M136.05M135.31M142.61M157.63M177.68M196.94M298.21M315.47M296.19M
Growth (%)-+16.20%+24.75%+43.28%+14.11%-23.12%+2.29%+7.80%+3.53%-4.69%+6.49%-3.72%-8.65%+3.37%-0.54%+5.39%+10.54%+12.72%+10.84%+51.42%+5.79%-6.11%
Cost of Revenue24.31M29.65M41.86M71.40M93.97M40.80M30.39M42.66M44.96M32.95M29.17M19.41M11.49M8.27M7.78M8.80M7.63M2.19M13.40M95.42M99.93M62.16M
Gross Profit46.57M52.71M60.88M75.81M74.02M88.36M101.73M99.75M102.48M107.58M120.49M124.68M120.13M127.78M127.53M133.81M150.00M175.49M183.54M202.78M215.54M234.04M
Gross Margin65.71%64.00%59.26%51.50%44.06%68.41%77.00%70.04%69.51%76.55%80.51%86.53%91.27%93.92%94.25%93.83%95.16%98.77%93.20%68.00%68.32%79.01%
Operating Expense32.69M34.03M39.78M47.18M53.99M57.86M100.73M105.43M92.60M97.20M98.10M94.42M95.03M101.74M98.54M100.61M110.28M126.29M137.46M141.04M150.52M166.64M
Operating Income13.88M18.68M21.10M28.63M20.02M30.50M996.00K-5.68M9.88M10.38M22.39M30.26M25.10M26.04M28.99M33.20M39.72M49.20M46.08M61.74M65.02M67.40M
Operating Margin19.59%22.68%20.54%19.45%11.92%23.62%0.75%-3.99%6.70%7.39%14.96%21.00%19.07%19.14%21.42%23.28%25.20%27.69%23.40%20.71%20.61%22.76%
EBITDA13.89M22.58M25.08M33.53M25.88M36.87M9.25M1.03M17.44M18.17M30.59M37.23M31.04M33.16M36.30M45.03M52.02M63.46M59.29M73.92M77.33M79.20M
EBITDA Margin19.59%27.42%24.41%22.78%15.40%28.54%7.00%0.72%11.83%12.93%20.44%25.84%23.59%24.37%26.82%31.58%33.00%35.72%30.11%24.79%24.51%26.74%
Net Income10.51M13.58M14.70M20.22M14.03M26.16M-2.86M-6.47M11.31M6.69M16.15M24.30M19.69M20.70M22.93M26.31M31.49M39.85M36.76M48.67M52.26M54.60M
Net Income Margin14.82%16.49%14.30%13.74%8.35%20.26%-2.16%-4.54%7.67%4.76%10.79%16.87%14.96%15.22%16.95%18.45%19.97%22.43%18.67%16.32%16.56%18.43%
Interest Expense24.31M29.65M41.86M71.40M93.97M40.80M30.39M42.66M44.96M32.95M29.17M19.41M11.49M8.27M7.78M8.80M7.63M2.19M13.40M95.42M99.93M61.50M
Interest Expense % of Total Revenue34.29%36.00%40.74%48.50%55.94%31.59%23.00%29.96%30.49%23.45%19.49%13.47%8.73%6.08%5.75%6.17%4.84%1.23%6.80%32.00%31.68%20.76%

Balance Sheet

Currency: EUR2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.00B2.17B2.19B2.59B2.77B3.38B3.47B3.40B3.63B3.89B4.29B4.60B5.14B5.35B5.56B5.61B6.04B6.63B5.90B5.34B4.92B5.17B
Total Liabilities1.89B2.06B2.07B2.46B2.63B3.22B3.32B3.22B3.45B3.70B4.10B4.39B4.91B5.12B5.32B5.35B5.74B6.30B5.58B5.01B4.59B4.79B
Total Equity107.24M111.58M120.12M133.13M136.94M161.20M153.84M177.93M175.81M180.54M194.22M212.87M221.80M233.62M242.37M258.34M292.36M331.90M317.02M335.31M335.94M325.00M
Cash184.26M173.43M65.37M39.51M79.02M33.16M61.23M66.14M132.55M50.16M86.43M199.46M513.02M523.80M506.90M489.89M665.07M893.72M341.98M351.01M289.88M215.00M
Total Debt44.52M-681.30M791.27M718.30M801.38M862.63M716.23M827.36M553.40M864.96M710.09M533.50M877.75M685.87M496.63M590.79M605.13M219.72M314.67M304.20M959.86M
Net Debt-139.74M-173.43M615.93M751.76M639.28M768.22M801.41M650.08M694.81M503.24M778.53M510.63M20.48M353.95M178.97M6.74M-74.29M-288.59M-122.26M-36.34M14.33M744.86M

Cash Flow

Currency: EUR2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-77.31K-170.22M-103.52M52.38M124.67M-61.57M-57.83M-54.94M-142.75M-380.54M-115.10M-116.94M205.38M-134.56M-84.02M-35.04M188.18M258.05M-478.73M61.01M8.67M-3.30M
Investing Cash Flow-7.78K488.00K-2.05M-8.34M-14.88M26.95M-2.88M-482.00K56.14M-5.23M-3.69M-4.21M-11.65M-7.59M-11.93M-12.81M-9.46M-21.73M-17.18M-10.57M-18.89M-27.20M
Financing Cash Flow59.03K134.91M18.41M80.69M-41.30M37.99M16.48M-66.80M144.78M335.00M139.28M141.46M154.74M152.16M54.33M4.91M-4.73M-6.43M-49.61M-36.12M-46.15M-17.40M
Capital Expenditure3.87K4.25M2.52M8.83M14.65M3.59M4.72M3.09M4.82M5.52M3.63M5.98M10.73M7.67M10.18M6.49M5.13M8.79M7.70M8.86M15.89M4.20M
Free Cash Flow-81.18K-174.47M-106.04M43.55M110.03M-65.16M-62.55M-58.03M-147.57M-386.06M-118.73M-122.93M194.66M-142.23M-94.20M-41.53M183.05M249.26M-486.42M52.15M-7.22M-7.50M
Dividends Paid10.96K10.99M11.01M11.54M11.54M5.77M8.07M17.58M-2.16M2.16M5.77M9.16M9.20M10.04M10.87M32.03M31.19M31.13M31.33M40.66M44.00M
FCF to OCF105.01%102.50%102.43%83.15%88.25%105.84%108.17%105.62%103.38%101.45%103.15%105.12%94.78%105.70%112.12%118.53%97.27%96.59%101.61%85.47%-83.35%227.27%
Dividend Paid to FCF-13.50%-6.30%-10.38%26.49%10.48%-8.85%-12.91%-30.30%--0.56%-1.82%-4.69%4.71%-6.47%-10.66%-26.17%17.50%12.51%-6.40%60.08%-562.87%-586.67%

Earnings

Report DateDec 31, 2003Dec 31, 2004Apr 28, 2008Aug 25, 2008Oct 28, 2008Feb 27, 2009May 11, 2009Aug 24, 2009Oct 26, 2009Feb 22, 2010May 3, 2010Aug 2, 2010Nov 1, 2010Feb 21, 2011Apr 29, 2011Aug 1, 2011Oct 31, 2011Feb 16, 2012Apr 30, 2012Jul 30, 2012Oct 29, 2012Feb 15, 2013Apr 29, 2013Jul 29, 2013Oct 28, 2013Feb 14, 2014Apr 29, 2014Jul 25, 2014Oct 28, 2014Feb 13, 2015Apr 28, 2015Jul 24, 2015Oct 27, 2015Feb 12, 2016Apr 26, 2016Jul 22, 2016Oct 25, 2016Feb 14, 2017Apr 25, 2017Jul 20, 2017Oct 24, 2017Feb 13, 2018Apr 25, 2018Jul 20, 2018Oct 23, 2018Feb 8, 2019Apr 25, 2019Jul 18, 2019Oct 23, 2019Feb 7, 2020Apr 24, 2020Jul 20, 2020Oct 22, 2020Feb 5, 2021Apr 27, 2021Jul 20, 2021Oct 26, 2021Feb 2, 2022Apr 26, 2022Jul 19, 2022Oct 25, 2022Feb 1, 2023Apr 27, 2023Jul 20, 2023Oct 24, 2023Feb 2, 2024Apr 25, 2024Jul 19, 2024Oct 24, 2024Feb 5, 2025Apr 29, 2025Jul 18, 2025Oct 24, 2025Dec 31, 2025Apr 27, 2026Jun 30, 2026
EPS Estimate----------------------------------------------------------------------------
EPS Actual0.180.150.310.330.270.210.351.680.16-0.070.060.10-0.360.020.08-0.18-0.05-0.42-0.06-0.15-0.021.030.130.110.060.220.150.280.350.390.530.410.340.340.410.230.320.320.380.250.370.340.370.380.360.370.300.440.500.460.350.500.550.630.550.720.780.510.710.540.570.550.410.740.981.050.880.820.890.800.940.900.850.830.910.62
Surprise----------------------------------------------------------------------------
Timing----------------------------------------------------------------After-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-market-Pre-market-

Key Statistics & Ratios

Market Cap686.73M
Enterprise Value1.45B
Trailing P/E13.86
Forward P/E34.13
PEG Ratio9.34
Price / Sales3.15
Price / Book2.07
EPS3.21
Book Value21.67
Revenue (TTM)217.96M
Gross Profit (TTM)217.96M
Profit Margin22.84%
Operating Margin23.60%
Return on Equity15.09%
Return on Assets0.99%
Shares Outstanding6.48M
Shares Float10.31M
Beta0.28
Dividend Yield7.87%
Dividend Rate3.50
Payout Ratio108.82%

Dividends

20262×
0.75Jul 20, 20262.75Mar 31, 2026
20251×
2.40Mar 26, 2025
20241×
2.40Mar 27, 2024
20231×
1.60Mar 31, 2023
20221×
0.45Mar 31, 2022
20212×
1.00Mar 31, 20210.20Jan 4, 2021
20191×
0.70Apr 4, 2019
20181×
0.65Apr 6, 2018
20171×
0.60Apr 7, 2017
20161×
0.60Apr 15, 2016
20151×
0.40Apr 17, 2015
20141×
0.15Apr 11, 2014
20131×
0.15Apr 19, 2013
20101×
0.47Apr 20, 2010
20091×
0.47Mar 27, 2009
20081×
0.93Apr 11, 2008
20071×
0.93Mar 23, 2007
20061×
0.93Mar 24, 2006
20051×
0.93Mar 18, 2005
20041×
0.93Mar 19, 2004
20031×
0.93Mar 14, 2003
20021×
0.93Mar 15, 2002

Stock Splits

  • Sep 14, 2011495:461
  • Mar 19, 19991762:1567