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ROE1L.VL — — Banks

Artea bankas AB

$0,89
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Mcap
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P/E
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EV / Rev
—
Div yield
5,15 %
Op margin
—
ROE
10,1 %
Net margin
43,9 %
Debt / equity
1,72
Beta
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52w range
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Volume
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Day range
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Prev close
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Open
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Next earnings
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Ex-dividend
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TR 1Y
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About

Artea bankas AB is a financial services provider operating in the banking sector, offering a range of banking and investment services to its clients.

Business. Artea bankas AB (ROE1L.VL) is a bank operating within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data. Consequently, the firm is described at the industry level without further geographic or segmental breakdown.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
Generated · model-assisted
Sell-side consensus
BUY3 analysts
2 buy1 hold0 sell
Avg 12m price target1,02

Analyst recommendations

3 analysts · consensus Buy
Buy2
Hold1
Sell0
12-month price target
1,02
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
—
not yet scored
Valuation
—
valuation pending
Analysts→
Buy
3 analysts · indicative
Ownership
—
not yet wired
Profitability→
10,1 %
return on equity
Quality
—
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning ROE1L.

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to ROE1L.VL. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Artea bankas AB (ROE1L.VL) is a bank operating within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data. Consequently, the firm is described at the industry level without further geographic or segmental breakdown.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryBanks
    AI synthesis
    GENERATED

    Artea bankas AB has a total equity of €603.06 million and a debt-to-equity ratio of 1.72, indicating a moderate level of leverage. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. The return on equity (ROE) is 10.06%, which is a strong indicator of the company's ability to generate profits from shareholders' equity.

    The company's profitability is reflected in its net income of €60.69 million and a return on assets (ROA) of 1.00%, which is in line with the industry's preferred metrics. The ROE is significantly higher than the ROA, suggesting that the company is effectively using leverage to enhance returns for shareholders.

    Artea bankas AB's revenue is concentrated in a single business segment, with no disclosed geographic diversification. The company's exposure to specific markets or customer bases is not detailed in the available data, which may pose a concentration risk.

    The company's growth trajectory is modest, with no significant revenue growth reported in the latest financial data. The operating cash flow of €320.32 million and free cash flow of €25.64 million indicate a stable cash generation capability, but the capital expenditure of -€2.89 million suggests minimal investment in long-term assets.

    The risk assessment for Artea bankas AB highlights a medium liquidity risk and a low dilution risk. The company's capital structure is supported by a strong net income and a manageable debt load, but the negative net cash position after debt is a concern.

    Recent events and filings for Artea bankas AB do not indicate any major corporate actions or strategic shifts. The company's financial health appears stable, with no immediate signs of distress or significant operational changes.

    Key takeaways
    • Artea bankas AB maintains a strong ROE of 10.06%, indicating effective use of leverage to enhance shareholder returns.
    • The company's liquidity position is medium, with a negative net cash position after subtracting total debt.
    • Artea bankas AB's profitability is reflected in a net income of €60.69 million and a ROA of 1.00%.
    • The company's growth trajectory is modest, with no significant revenue growth reported in the latest financial data.
    • The risk assessment indicates a medium liquidity risk and a low dilution risk.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $0,89
    Market cap
    —
    Enterprise valueⓘ
    —
    P/Eⓘ
    —
    Non-GAAP P/Eⓘ
    —
    EV / Revenueⓘ
    —
    EV / Op incomeⓘ
    —
    EV / OCFⓘ
    —
    P / Bⓘ
    —
    P / Tangible bookⓘ
    —
    Tangible book
    $603.1M
    Net cashⓘ
    -$1.04B
    Current ratioⓘ
    —
    Debt / equityⓘ
    1.7
    ROAⓘ
    1.0%
    ROEⓘ
    10.1%
    Cash conversionⓘ
    528.0%
    CapEx / revenueⓘ
    -2.1%
    SBC / revenueⓘ
    —
    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 45 %
    EPS
    Consensus EPS
    0,10
    Predicted surprise
    +0,00
    Beat probability
    45 %
    Analysts
    3
    Other metrics
    Revenue
    —
    no estimate
    Segment revenue
    —
    no estimate
    Margin
    —
    no estimate
    Segment margin
    —
    no estimate
    as of 2026-05-23 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPS—no estimate—no estimate0,10
    Revenue—no estimate—no estimate224,9M EUR
    Operating income—no estimate—no estimate101,6M EUR
    Full-year consensus mean (period as reported by source) · consensus in EUR. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-08-04

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution3 analysts
    Strong buy0
    Buy2
    Hold1
    Sell0
    Strong sell0
    12-month price target$1,02 · Median $1,01
    Low $0,96High $1,10
    Operating income · consensus101,6M EUR
    EPS surprise
    −6,0 %
    reported vs consensus · miss
    Revenue surprise
    −38,5 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$0,96
    Mean$1,02
    Median$1,01
    High$1,10
    Spot$0,89
    +14.1 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin43,9 %Above median
    ROE10,1 %Above median
    Capex / Rev-2,1 %Above median
    D/E1,72Bottom quartile
    Cash Conv5,28Best in class

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Capex To Revenue
      capital_expenditure / revenue
    • Return On Equity
      net_income / total_equity
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    Source documents
    • Artea bankas AB Market data — financials · 2026-05-29
    • Artea bankas AB Market data — analyst estimates · 2026-05-29

    Ownership & reference

    Leadership

    • Laura KrizinauskieneMember of the Management Board

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    ROE1L.VLCanonical
    — · USD

    Intel & risk

    PredictorBeat prob45 %Surprise+0,00Full forecast →
    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    ROE1LJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage