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INDICATIVE · SAMPLE DATA
FOBANK$229.0060

Foeroya Banki P/F

BanksVerified

Foeroya Banki P/F has a market price of 229 DKK per share and a market capitalization of 2.19 billion DKK, with a price-to-earnings ratio of 7.6 and a price-to-book ratio of 1.09, indicating a valuation in line with tangible book value. The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt, and a debt-to-equity ratio of 0.53, suggesting moderate leverage. The company's return on equity is 14.31%, which is strong compared to the industry median of 10.5%, and its return on assets is 1.93%, slightly above the industry median of 1.7%. These metrics suggest that Foeroya Banki P/F is generating solid returns relative to its equity and asset base. Foeroya Banki P/F's revenue is concentrated in the Faroe Islands and Greenland, with Personal Banking and Corporate Banking as the primary revenue drivers. The non-life insurance segment, through P/F TRYGD, also contributes to the company's revenue, though the exact proportions are not disclosed. The company's revenue growth is expected to remain stable, with no significant changes in the outlook for the current and next fiscal years. Historical revenue data shows a consistent performance, with the last actual revenue reported at 608.19 million DKK. The company's risk profile is characterized by medium liquidity risk and low dilution potential. The risk assessment indicates that the company has a negative net cash position, which could affect its ability to meet short-term obligations. However, the dilution risk is low, and no significant adjustments have been applied to the valuation metrics. Recent events include the latest financial filing, which disclosed the company's revenue and net income for the most recent period. No significant regulatory or operational events have been reported in the latest filings or transcripts.

30-day price · FOBANK(missing data)
No daily-bar history available from current data sources. Alternate source pending.
Profile
CompanyFoeroya Banki P/F
TickerFOBANK.CO
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Foeroya Banki P/F is a Faroe Island-based banking and insurance group that generates revenue through Personal Banking, Corporate Banking, and non-life insurance services provided by P/F TRYGD, primarily targeting customers in the Faroe Islands and Greenland.

Classification. Foeroya Banki P/F is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

Foeroya Banki P/F has a market price of 229 DKK per share and a market capitalization of 2.19 billion DKK, with a price-to-earnings ratio of 7.6 and a price-to-book ratio of 1.09, indicating a valuation in line with tangible book value. The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt, and a debt-to-equity ratio of 0.53, suggesting moderate leverage. The company's return on equity is 14.31%, which is strong compared to the industry median of 10.5%, and its return on assets is 1.93%, slightly above the industry median of 1.7%. These metrics suggest that Foeroya Banki P/F is generating solid returns relative to its equity and asset base. Foeroya Banki P/F's revenue is concentrated in the Faroe Islands and Greenland, with Personal Banking and Corporate Banking as the primary revenue drivers. The non-life insurance segment, through P/F TRYGD, also contributes to the company's revenue, though the exact proportions are not disclosed. The company's revenue growth is expected to remain stable, with no significant changes in the outlook for the current and next fiscal years. Historical revenue data shows a consistent performance, with the last actual revenue reported at 608.19 million DKK. The company's risk profile is characterized by medium liquidity risk and low dilution potential. The risk assessment indicates that the company has a negative net cash position, which could affect its ability to meet short-term obligations. However, the dilution risk is low, and no significant adjustments have been applied to the valuation metrics. Recent events include the latest financial filing, which disclosed the company's revenue and net income for the most recent period. No significant regulatory or operational events have been reported in the latest filings or transcripts.
Key takeaways
  • Foeroya Banki P/F is a well-capitalized bank with a strong return on equity of 14.31%.
  • The company's valuation is in line with tangible book value, with a price-to-book ratio of 1.09.
  • Revenue is concentrated in the Faroe Islands and Greenland, with Personal and Corporate Banking as the main drivers.
  • The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.
  • The company has a low dilution risk and no significant adjustments have been applied to the valuation metrics.
  • --
  • # RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyDKK
Revenue$388.1M
Gross profit
Operating income
Net income$288.3M
R&D
SG&A
D&A
SBC
Operating cash flow$929.8M
CapEx-$3.1M
Free cash flow-$54.9M
Total assets$14.93B
Total liabilities$12.92B
Total equity$2.02B
Cash & equivalents
Long-term debt$1.06B
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY0
FY-1
FY-2
FY-3
FY-4
PeriodGross %Op %Net %FCF %
FY0
FY-1
FY-2
FY-3
FY-4
PeriodAssetsEquityCashDebt
FY0
FY-1
FY-2
FY-3
FY-4
PeriodOCFCapExFCFSBC
FY0
FY-1
FY-2
FY-3
FY-4
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodGross %Op %Net %FCF %
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodAssetsEquityCashDebt
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodOCFCapExFCFSBC
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
Valuation
Market price$229.00
Market cap$2.19B
Enterprise value$3.26B
P/E7.6
Reported non-GAAP P/E
EV/Revenue8.4
EV/Op income
EV/OCF3.5
P/B1.1
P/Tangible book1.1
Tangible book$2.02B
Net cash-$1.06B
Current ratio
Debt/Equity0.5
ROA1.9%
ROE14.3%
Cash conversion3.2%
CapEx/Revenue-0.8%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banks · cohort 7 companies
MetricFOBANKActivity
Op margin560.2% medp25 560.2% · p75 560.2%
Net margin74.3%459.2% medp25 422.9% · p75 495.5%bottom quartile
Gross margin62.8% medp25 28.5% · p75 92.6%
CapEx / revenue-0.8%2.6% medp25 1.0% · p75 12.1%bottom quartile
Debt / equity53.0%16.8% medp25 13.7% · p75 33.1%top quartile
Observations
IR observations
Last actual revenue608,191,000 DKK
market data ESG controversies score100.0
market data ESG governance pillar30.0
market data ESG social pillar19.8
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-07 20:36 UTC#dfcc8e0a
Market quoteclose DKK 229.00 · shares 0.01B diluted
no public URL
2026-05-04 10:07 UTC#df2b4a27
Source: analysis-pipeline (hybrid)Generated: 2026-05-04 10:08 UTCJob: 7d8daed3