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← CockpitCompetitor Analysis › FOBANK.CO Foroya BankiOpen in the cockpit ↗

Foroya BankiFOBANK.COCompetitor analysis, valuation and peers

Denmark · DKK·Financials›Regional Banks
Momentum neutral 59
Mkt cap
$422M
US dollars, full cap
Free float
33%
of shares outstanding
$/day
$226,381
20-day average traded
P/B
1.44×
price to book
ROE
13.6%
delivered
Implied ROE
5.6%
what the price asks
Next earnings
105 days
19 Feb 2027
Close · DKKDKK 292.50
1D+2.5%
1W+2.1%
1M+5.8%
3M+7.3%
6M+19.6%
YTD+2.3%
1Y+25.5%
ATR %3.0%
52w lowhigh13.5% off high

What Foroya Banki does

Employees: 201

Foroya Banki at a glance

Size Foroya Banki (FOBANK.CO) is a Denmark Financials company (Regional Banks) with a market value of $422M, the 54th largest of 59 Denmark companies the cockpit tracks. Shares closed at DKK 292.50 on 6 Nov 2026.

Performance Over six months the shares gained 19.6%, against +13.3% for the median peer and +8.8% for the Denmark market (cap-weighted) — 7th highest of 19 in its peer set.

Growth Revenue fell 12.4% over the last twelve months (peer median +4.4%); the operating margin is 43.6% (peer median 38.5%).

Valuation It trades at 1.44× book value against a peer median of 1.19× (5th most expensive of 21).

Price implies The share price implies a return on equity of about 5.6%; Foroya Banki delivers 13.6%, so the price asks less than the business earns today.

Next results Next results expected around 19 Feb 2027 (exchange calendar; dates can move).

Relative performance

10011012011 May 202611 Aug 20266 Nov 2026FOBANK.CO 121Peer median 115
Six months, rebased to 100: Foroya Banki against the median of its 20 peers (local-currency closes).

Foroya Banki financials

Reported figures in DKK; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
RevenueDKK 868MDKK 904MDKK 993MDKK 887MDKK 469M
Revenue growth—-9%+12%+89%—
Net incomeDKK 260MDKK 288MDKK 305MDKK 301MDKK 157M
Free cash flowDKK 180MDKK 165MDKK 290MDKK 305MDKK 120M
Capital expenditureDKK 5.72MDKK 3.10MDKK 12.2MDKK 7.01MDKK 1.73M
Total debtDKK 1.51BDKK 1.57BDKK 1.97BDKK 2.02BDKK 1.73B

Quarterly statements and history in the cockpit →

Foroya Banki competitor charts

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.

Performance: 6-month against 1-month return

-25%0%+25%+50%-20%0%+20%PCBRBBCHMGPLBCPARBCZFSFDBCCBKJSFBBMRCPKBKISTR2139AVBHFOBANK.CO6-month return →1-month return →
Up and to the right = strong over both horizons. Foroya Banki is the large dot.

Fundamentals: return on equity against price-to-book

0%5%10%15%0.75×10×1.25×1.50×PCBFCBMRBBCHMGPLBCPARBCZFSGLKBNFDBCCBKPBFSJSFBNWFLBMRCPKBKISTRGBC2139AVBHFOBANK.COReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Foroya Banki is the large dot.

Capital: ROE delivered against the ROE the price implies

0%10%0%10%PCBRBBCHMGPLBCPARBCZFSGLKBNFDBCCBKPBFSJSFBNWFLBMRCPKBK2139AVBHROGSFOBANK.COROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Foroya Banki is the large dot.

Foroya Banki competitors and peer comparison

How Foroya Banki compares with its peers

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.

Foroya Banki against its 20 peers (data as of 6 Nov 2026)
MeasureFOBANK.COPeer medianRank in peer set
1-month return+5.8%+4.1%6th highest of 20
6-month return+19.6%+13.3%7th highest of 19
Return on equity13.6%10.5%5th highest of 21
Price / book1.44×1.19×5th most expensive of 21
Trailing P/E10.8×11.0×9th cheapest of 18
ROE the price implies5.6%8.5%4th least demanding of 21
ROE delivered13.6%10.6%5th highest of 19

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Foroya Banki FOBANK.CODenmark$422M+20%-12%14%1.44×5.6%13.6%
PCB Bancorp PCBUnited States$422M+22%+4%11%1.27×8.4%10.8%
First Carolina Financial Services FCBMUnited States$415Mn/a+28%4%0.96×6.5%n/a
RBB Bancorp RBBUnited States$433M+7%+4%8%0.81×8.8%8.4%
Chemung Financial CHMGUnited States$410M+25%+19%15%1.50×10.2%14.7%
Plumas Bancorp PLBCUnited States$435M+20%+24%17%1.65×10.7%16.6%
Pareto Bank PARB.OLNorway$410M-25%-11%4%0.81×6.9%4.3%
Citizens Financial Services CZFSUnited States$408M+33%+4%13%1.16×7.6%12.7%
Glarner Kantonalbank GLKBN.SWSwitzerland$442M+19%-16%6%0.81×2.1%5.8%
Fidelity D & D Bancorp FDBCUnited States$399M+50%+8%14%1.62×12.4%13.5%
Commercial Bancgroup CBKUnited States$448M+12%-1%15%1.44×9.2%14.6%
Pioneer Bancorp PBFSUnited States$456M+26%+18%4%1.38×8.6%4.0%
Jana Small Finance Bank JSFB.NSIndia$457M-13%+18%10%0.88×15.2%10.3%
Norwood Financial NWFLUnited States$389M+17%+46%12%1.37×9.3%12.5%
Bank of Marin Bancorp BMRCUnited States$462M+9%-19%-3%1.22×10.2%-2.9%
Parke Bancorp PKBKUnited States$384M+6%+9%14%1.17×8.3%14.1%
Investar ISTRUnited States$383M-2%+34%11%1.00×7.7%11.0%
Georgia Banking GBCUnited States$382Mn/an/a12%1.23×8.9%n/a
Bank of Gansu 2139.HKHong Kong$467M-40%-4%2%0.10×3.2%1.8%
Avidbank AVBHUnited States$378M+14%-32%-6%1.28×7.3%-5.6%
Rogaland Sparebank ROGS.OLNorway$375M+4%0%7%0.83×5.3%6.9%

Questions

Which companies are Foroya Banki's closest peers?
The cockpit's peer set: PCB Bancorp (PCB), First Carolina Financial Services (FCBM), RBB Bancorp (RBB), Chemung Financial (CHMG), Plumas Bancorp (PLBC), Pareto Bank (PARB.OL), Citizens Financial Services (CZFS), Glarner Kantonalbank (GLKBN.SW).
Is Foroya Banki expensive compared with its peers?
On price / book it trades at 1.44× against a peer median of 1.19×, 5th most expensive of 21 in its peer set. The share price implies a return on equity of about 5.6%; Foroya Banki delivers 13.6%, so the price asks less than the business earns today.
How has Foroya Banki stock performed?
Over six months to 6 Nov 2026 the shares returned +19.6% against +13.3% for the median peer; over one year +25.5%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.