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Danish regional bank serving retail and business customers in Western Jutland with a high-efficiency model.
Danish regional bank serving retail and business customers in Western Jutland with a high-efficiency model.
Earns the spread on loans, mainly to farms and local firms in Western Jutland, funded largely by customer deposits, plus fees from investment products. Very low costs and cautious lending let it keep more of each krone earned than most banks, and it returns much of its profit through dividends and share buybacks.
Moat: narrow (scale, brand, cost advantage). Known for one of Europe's lowest cost-to-income ratios among regional banks.
Headquarters: Ringkobing, Denmark · Founded: 1886 · Employees: 688
Size Ringkjobing Landbobank A/S (RILBA.CO) is a Denmark Financials company (Regional Banks) with a market value of $6.44B, the 22nd largest of 59 Denmark companies the cockpit tracks. Shares closed at DKK 1,788 on 6 Nov 2026.
Performance Over six months the shares gained 15.6%, against +3.8% for the median peer and +8.8% for the Denmark market (cap-weighted) — 3rd highest of 21 in its peer set.
Growth Revenue grew 1.9% over the last twelve months (peer median +5.5%); the operating margin is 72.6% (peer median 44.3%).
Valuation It trades at 3.58× book value against a peer median of 1.32× (most expensive of 21).
Price implies The share price implies a return on equity of about 10.2%; Ringkjobing Landbobank A/S delivers 20.5%, so the price asks less than the business earns today.
Next results Next results expected around 3 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | DKK 5.15B | DKK 4.99B | DKK 5.31B | DKK 4.69B | DKK 3.16B |
| Revenue growth | — | -6% | +13% | +48% | — |
| Net income | DKK 2.37B | DKK 2.31B | DKK 2.30B | DKK 2.16B | DKK 1.49B |
| Total debt | DKK 13.8B | DKK 12.5B | DKK 9.80B | DKK 9.31B | DKK 9.86B |
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 |
|---|---|---|---|---|---|---|
| Ringkjobing Landbobank A/S RILBA.CO | $6.44B | +16% | +2% | 20% | 3.58× | 10.2% |
| Jyske Bank A/S JYSK.CO | $9.02B | +25% | +3% | 10% | 1.32× | 5.3% |
| AL Sydbank A/S ALSYDB.CO | $9.20B | +37% | +27% | 10% | 1.78× | 6.3% |
| Danske Bank A/S DANSKE.CO | $42.4B | +11% | +8% | 14% | 1.68× | 6.1% |
| Laan & Spar Bank A/S LASP.CO | $711M | +11% | -7% | 12% | 1.26× | 5.2% |
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 | RILBA.CO | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | 0.0% | +1.5% | 10th lowest of 21 |
| 6-month return | +15.6% | +3.8% | 3rd highest of 21 |
| Return on equity | 20.5% | 10.5% | 2nd highest of 21 |
| Price / book | 3.58× | 1.32× | most expensive of 21 |
| Trailing P/E | 18.0× | 13.0× | 4th most expensive of 20 |
| ROE the price implies | 10.2% | 9.2% | 9th most demanding of 21 |
| ROE delivered | 20.5% | 10.7% | 2nd highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Ringkjobing Landbobank A/S RILBA.CO | Denmark | $6.44B | +16% | +2% | 20% | 3.58× | 10.2% | 20.5% |
| Bank of Suzhou 002966.SZ | China | $6.41B | +12% | +5% | 11% | 0.79× | 2.8% | 10.9% |
| Rakuten Bank 5838.T | Japan | $6.36B | -9% | +38% | 22% | 2.55× | 8.1% | 21.5% |
| Hachijuni Nagano Bank 8359.T | Japan | $6.53B | +6% | +20% | 7% | 0.85× | 5.6% | 6.5% |
| United Bankshares UBSI | United States | $6.57B | +11% | +4% | 9% | 1.20× | 9.7% | 9.4% |
| Glacier Bancorp GBCI | United States | $6.27B | -1% | +21% | 9% | 1.45× | 11.2% | 8.8% |
| BNP Paribas Bank Polska Spolka Akcyjna BNP.WA | Poland | $6.65B | +20% | -8% | 16% | 1.59× | 14.8% | 16.2% |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |
| Home BancShares HOMB | United States | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% | 11.1% |
| Bank Millennium MIL.WA | Poland | $7.04B | +26% | -2% | 16% | 2.80× | 38.0% | 15.6% |
| IDFC First Bank IDFCFIRSTB.NS | India | $7.05B | +10% | +13% | 6% | 1.35× | 24.3% | 6.3% |
| Kyoto Financial Group,Inc 5844.T | Japan | $7.14B | -11% | +19% | 8% | 0.79× | 5.9% | 7.9% |
| Gunma Bank 8334.T | Japan | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% | 10.3% |
| Hancock Whitney HWC | United States | $5.73B | +4% | -1% | 9% | 1.34× | 12.2% | 9.4% |
| KakaoBank 323410.KS | South Korea | $7.28B | -15% | +6% | 7% | 1.46× | 8.5% | n/a |
| Iyogin Holdings,Inc 5830.T | Japan | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% | 7.8% |
| AU Small Finance Bank AUBANK.NS | India | $7.39B | -10% | +17% | 16% | 3.21× | 44.0% | 15.7% |
| Bank OZK OZK | United States | $5.53B | +4% | 0% | 11% | 0.93× | 8.9% | 11.3% |
| Atlantic Union Bankshares AUB | United States | $5.51B | +4% | +21% | 11% | 1.09× | 9.5% | 10.7% |
| Ameris Bancorp ABCB | United States | $5.49B | -5% | +3% | 9% | 1.33× | 12.1% | 9.5% |