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Finnish bank providing retail banking, asset management and insurance products.
Finnish bank providing retail banking, asset management and insurance products.
Earns most from the margin between what it lends at and pays on deposits, with fees from managing client assets and insurance commissions as a smaller second leg. All of its business is in Finland, where it sits well behind the largest banks.
Moat: narrow (brand, distribution). Established regional Finnish bank brand with a loyal private-banking and asset-management client base.
Headquarters: Helsinki, Finland · Founded: 1826 · Employees: 825
Size Aktia Bank (AKTIA.HE) is a Finland Financials company (Regional Banks) with a market value of $963M, the 35th largest of 65 Finland companies the cockpit tracks. Shares closed at €11.68 on 6 Nov 2026.
Performance Over six months the shares gained 2.6%, against +12.6% for the median peer and -2.9% for the Finland market (cap-weighted) — 3rd lowest of 20 in its peer set.
Growth Revenue grew 1.4% over the last twelve months (peer median +9.1%).
Valuation It trades at 1.32× book value against a peer median of 1.21× (9th most expensive of 21).
Price implies The share price implies a return on equity of about 7.6%; Aktia Bank delivers 1.8%, so the price asks more than the business earns today.
Credit Aktia Bank has 5 bonds outstanding ($2.78B).
Next results Next results expected around 5 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | €317M | €817M | €903M | €776M | €627M |
| Revenue growth | — | -10% | +16% | +24% | — |
| Net income | €12.4M | €10.3M | €75.9M | €81.3M | €98.3M |
| Free cash flow | -€85,000 | €27.8M | -€196M | €277M | €195M |
| Capital expenditure | €29.4M | €32.9M | €30.5M | €22.0M | €12.2M |
| Total debt | €4.56B | €4.69B | €4.62B | €4.09B | €4.09B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Aktia Bank AKTIA.HE | $963M | +3% | +1% | 2% | 1.32× | 7.6% |
| Nordea Bank Abp NDA-FI.HE | $62.3B | +6% | +3% | 15% | 1.77× | 14.6% |
| Danske Bank A/S DANSKE.CO | $42.4B | +11% | +8% | 14% | 1.68× | 6.1% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | AKTIA.HE | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -8.3% | +4.0% | 4th lowest of 21 |
| 6-month return | +2.6% | +12.6% | 3rd lowest of 20 |
| Return on equity | 1.8% | 11.3% | 2nd lowest of 21 |
| Price / book | 1.32× | 1.21× | 9th most expensive of 21 |
| Trailing P/E | 70.3× | 11.7× | most expensive of 21 |
| ROE the price implies | 7.6% | 9.0% | 8th least demanding of 21 |
| ROE delivered | 1.8% | 11.3% | 2nd lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Aktia Bank AKTIA.HE | Finland | $963M | +3% | +1% | 2% | 1.32× | 7.6% | 1.8% |
| Hanmi Financial HAFC | United States | $964M | +8% | +3% | 11% | 1.19× | 9.4% | 11.4% |
| Central Pacific Financial CPF | United States | $974M | +10% | +4% | 15% | 1.68× | 13.2% | 14.9% |
| Entie Commercial Bank 2849.TW | Taiwan | $927M | +14% | +10% | 5% | 0.86× | 3.2% | 5.4% |
| Equity Bancshares EQBK | United States | $1.00B | +7% | +53% | 12% | 1.23× | 10.4% | 12.1% |
| Southside Bancshares SBSI | United States | $1.01B | +2% | +9% | 12% | 1.54× | 10.1% | 11.8% |
| NB Bancorp NBBK | United States | $902M | +10% | +36% | 8% | 1.13× | 6.8% | 8.4% |
| Eagle Bancorp EGBN | United States | $1.03B | +28% | -11% | 5% | 0.89× | 9.0% | 4.7% |
| MetroCity Bankshares MCBS | United States | $1.04B | +10% | +25% | 17% | 1.78× | 12.2% | 16.9% |
| Business First Bancshares BFST | United States | $1.04B | +16% | +7% | 10% | 1.02× | 8.6% | 10.1% |
| Forbright FRBT | United States | $1.04B | n/a | +11% | 11% | 1.01× | 6.4% | n/a |
| Mercantile Bank MBWM | United States | $1.05B | +16% | +5% | 14% | 1.41× | 11.5% | 13.6% |
| Bank of Jiujiang 6190.HK | Hong Kong | $1.06B | +55% | -2% | 1% | 0.20× | 3.5% | 1.5% |
| CNB Financial CCNE | United States | $1.06B | +15% | +26% | 13% | 1.24× | 9.0% | 13.2% |
| Mid Penn Bancorp MPB | United States | $873M | +5% | +18% | 8% | 0.97× | 7.2% | 8.4% |
| Horizon Bancorp HBNC | United States | $1.07B | +13% | +424% | 16% | 1.52× | 12.0% | 15.7% |
| Great Southern Bancorp GSBC | United States | $868M | +16% | -10% | 10% | 1.42× | 9.3% | 10.2% |
| Okinawa Financial 7350.T | Japan | $865M | +14% | +21% | 8% | 0.83× | 6.3% | 7.7% |
| San ju San Financial 7322.T | Japan | $1.08B | +1% | +23% | 5% | 0.72× | 6.9% | 5.4% |
| Orrstown Financial Services ORRF | United States | $862M | +18% | +1% | 15% | 1.42× | 10.5% | 14.8% |
| Capital City Bank CCBG | United States | $861M | +7% | 0% | 11% | 1.50× | 8.4% | 11.3% |
Aktia Bank has 5 bonds outstanding with $2.78B face value.