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How does ALBAV.HE make money? Does ALBAV.HE have pricing power? What's the Earnings Whisper? Will ALBAV.HE profit more as the business scales? What is ALBAV.HE's management track record? Is ALBAV.HE's current price justified?

Ålandsbanken Abp

€44.1 -$4.00 (-8.32%)

HEL · 15 Sep 2026 15:02 UTC

Previous Close

€44.7

Day Range

€43€45.2

Year Range

€42.2€59.2

Market Cap

638.51M

AVG Volume

425

Trailing/Forward PE

13.35/-

PEG ratio

-1.44

Dividend Yield

8.14%

Next Earnings Date

Primary Exchange

NASDAQ Helsinki

Revenue (EUR)

ALBAV.HE Revenue (EUR) by year
Period	Revenue (EUR)
2025	281.5M
2024	315.3M
2023	297.6M
2022	197.5M
2021	178.7M
2020	157.6M
2019	142.31M
2018	135.31M
2017	136.25M
2016	130.62M

Net Income (EUR)

ALBAV.HE Net Income (EUR) by year
Period	Net Income (EUR)
2025	54.5M
2024	52.3M
2023	48.7M
2022	36.7M
2021	39.8M
2020	31.5M
2019	26.31M
2018	22.43M
2017	20.8M
2016	19.69M

Operating Income (EUR)

ALBAV.HE Operating Income (EUR) by year
Period	Operating Income (EUR)
2025	67.1M
2024	65.1M
2023	61.7M
2022	46M
2021	49.2M
2020	39.7M
2019	33.09M
2018	28.39M
2017	26.14M
2016	25.1M

EBITDA (EUR)

ALBAV.HE EBITDA (EUR) by year
Period	EBITDA (EUR)
2025	73.1M
2024	77.4M
2023	73.9M
2022	59.3M
2021	63.4M
2020	52.1M
2019	44.93M
2018	35.7M
2017	33.26M
2016	31.04M

Cash Flows (EUR)

ALBAV.HE Cash Flows (EUR) by year
Period	Cash Flows (EUR)
2025	-7.8M
2024	-7.1M
2023	52.2M
2022	-486.42M
2021	249.26M
2020	183.05M
2019	-37.48M
2018	-85.52M
2017	-137.26M
2016	203.01M

EPS (EUR)

ALBAV.HE EPS (EUR) by year
Period	EPS (EUR)
2025	3.52
2024	3.39
2023	3.18
2022	2.35
2021	2.55
2020	2.03
2019	1.7
2018	1.44
2017	1.31
2016	1.28

Expenses (EUR)

ALBAV.HE Expenses (EUR) by year
Period	Expenses (EUR)
2025	30.4M
2024	15.8M
2023	8.8M
2022	17.4M
2021	42.59M
2020	33.33M
2019	22.47M
2018	3.56M
2017	4.77M
2016	4.61M

Cash & Debt (EUR)

ALBAV.HE Cash & Debt (EUR) by year
Period	Cash & Debt (EUR)
2025	215M
2024	289.88M
2023	351.01M
2022	341.98M
2021	893.72M
2020	665.07M
2019	489.89M
2018	506.9M
2017	523.8M
2016	513.02M

Debt ratios

ALBAV.HE Debt ratios by year
Period	Debt ratios
2025	2.63
2024	0.05
2023	-0.15
2022	-0.56
2021	-1.47
2020	-0.45
2019	0.05
2018	1.3

Margins

ALBAV.HE Margins by year
Period	Margins
2025	78.01%
2024	68.47%
2023	67.91%
2022	93.16%
2021	98.66%
2020	95.3%
2019	93.89%
2018	94.47%
2017	93.78%
2016	92.12%

Return on Capital

ALBAV.HE Return on Capital by year
Period	Return on Capital
2025	14.08%
2024	15.57%
2023	14.52%
2022	11.58%
2021	11.99%
2020	10.77%
2019	10.18%
2018	9.25%
2017	8.9%
2016	8.88%

Shares Outstanding

ALBAV.HE Shares Outstanding by year
Period	Shares Outstanding
2025	15.38M
2024	15.36M
2023	15.29M
2022	15.6M
2021	15.6M
2020	15.59M
2019	15.51M
2018	15.42M
2017	15.26M
2016	15.15M

Dividends (EUR)

ALBAV.HE Dividends (EUR) by year
Period	Dividends (EUR)
2026	3.5
2025	2.75
2024	2.65
2023	2.05
2022	2
2021	1.87
2019	0.61
2018	0.56
2017	0.52
2016	0.52

Book Value Per Share (EUR)

ALBAV.HE Book Value Per Share (EUR) by year
Period	Book Value Per Share (EUR)
2025	25.17
2024	21.87
2023	21.93
2022	20.32
2021	21.27
2020	18.76
2019	16.66
2018	15.72
2017	15.31
2016	14.64

Total Assets (EUR)

ALBAV.HE Total Assets (EUR) by year
Period	Total Assets (EUR)
2025	5.17B
2024	4.92B
2023	5.34B
2022	5.9B
2021	6.63B
2020	6.04B
2019	5.61B
2018	5.56B
2017	5.35B
2016	5.14B

PE Ratio

ALBAV.HE PE Ratio by year
Period	PE Ratio
Sep 26	12.73
Sep 26	12.82
Sep 26	13.02
Aug 26	13.1
Aug 26	13.16
Aug 26	13.27
Aug 26	13.16
Jul 26	13.1
Jul 26	13.13
Jul 26	13.16
Jul 26	13.19
Jul 26	13.33
Jun 26	12.78
Jun 26	11.91
Jun 26	12.5
Jun 26	12.67
May 26	12.44
May 26	12.75
May 26	12.89
May 26	12.87
Apr 26	13.66
Apr 26	13.85
Apr 26	13.77
Apr 26	14.22
Apr 26	15.01
Mar 26	15.66
Mar 26	15.78
Mar 26	15.95
Mar 26	15.43
Feb 26	16.4
Feb 26	15.95
Feb 26	15.21
Feb 26	15.09
Jan 26	14.41
Jan 26	14.35
Jan 26	14.24
Jan 26	14.1
Jan 26	13.7
Dec 25	12.7
Dec 25	12.9
Dec 25	12.67
Dec 25	12.65
Nov 25	12.67
Nov 25	12.93
Nov 25	13.52
Nov 25	14.05
Oct 25	13.94
Oct 25	13.24
Oct 25	13.12
Oct 25	12.98
Oct 25	12.84
Sep 25	12.95
Sep 25	12.66
Sep 25	12.49
Sep 25	12.28
Aug 25	12.23
Aug 25	12.11
Aug 25	11.51
Aug 25	11.82
Aug 25	11.91
Jul 25	11.97
Jul 25	12.05
Jul 25	11.85
Jul 25	11.39
Jun 25	11.45
Jun 25	11.69
Jun 25	11.48
Jun 25	11.6
May 25	11.48
May 25	11.28
May 25	11.37
May 25	10.78
May 25	10.94
Apr 25	10.65
Apr 25	10.92
Apr 25	10.87
Apr 25	10.51
Mar 25	10.33
Mar 25	11.37
Mar 25	11.26
Mar 25	10.93
Feb 25	10.93
Feb 25	10.77
Feb 25	10.69
Feb 25	10.55
Jan 25	10.71
Jan 25	10.8
Jan 25	10.69
Jan 25	10
Jan 25	9.67
Dec 24	9.05
Dec 24	9.27
Dec 24	9.19
Dec 24	9.16
Nov 24	9.08
Nov 24	9.21
Nov 24	9.19
Nov 24	9.21
Nov 24	9.29
Oct 24	9.32

Free Cash Flow Yield

ALBAV.HE Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	-12.87%
Sep 26	-12.79%
Sep 26	-12.59%
Aug 26	-12.51%
Aug 26	-12.45%
Aug 26	-12.35%
Aug 26	-12.45%
Jul 26	-12.51%
Jul 26	-12.48%
Jul 26	-12.45%
Jul 26	-12.43%
Jul 26	-12.29%
Jun 26	-1.12%
Jun 26	-1.2%
Jun 26	-1.15%
Jun 26	-1.13%
May 26	-1.15%
May 26	-1.12%
May 26	-1.11%
May 26	-1.11%
Apr 26	-1.05%
Apr 26	-1.03%
Apr 26	-1.04%
Apr 26	-1.01%
Apr 26	-0.95%
Mar 26	18.3%
Mar 26	18.17%
Mar 26	17.98%
Mar 26	18.57%
Feb 26	17.48%
Feb 26	17.98%
Feb 26	18.85%
Feb 26	18.99%
Jan 26	19.9%
Jan 26	19.97%
Jan 26	20.13%
Jan 26	20.34%
Jan 26	20.93%
Dec 25	1.18%
Dec 25	1.16%
Dec 25	1.19%
Dec 25	1.19%
Nov 25	1.19%
Nov 25	1.16%
Nov 25	1.11%
Nov 25	1.07%
Oct 25	1.08%
Oct 25	1.13%
Oct 25	1.14%
Oct 25	1.16%
Oct 25	1.17%
Sep 25	23.48%
Sep 25	24.01%
Sep 25	24.34%
Sep 25	24.74%
Aug 25	24.86%
Aug 25	25.1%
Aug 25	26.42%
Aug 25	25.71%
Aug 25	25.52%
Jul 25	25.4%
Jul 25	25.22%
Jul 25	25.65%
Jul 25	26.69%
Jun 25	-1.19%
Jun 25	-1.16%
Jun 25	-1.18%
Jun 25	-1.17%
May 25	-1.18%
May 25	-1.2%
May 25	-1.19%
May 25	-1.26%
May 25	-1.24%
Apr 25	-1.28%
Apr 25	-1.24%
Apr 25	-1.25%
Apr 25	-1.29%
Mar 25	-18.13%
Mar 25	-16.47%
Mar 25	-16.63%
Mar 25	-17.13%
Feb 25	-17.13%
Feb 25	-17.4%
Feb 25	-17.53%
Feb 25	-17.76%
Jan 25	-17.48%
Jan 25	-17.35%
Jan 25	-17.53%
Jan 25	-18.73%
Jan 25	-19.37%
Dec 24	22.32%
Dec 24	21.81%
Dec 24	22%
Dec 24	22.06%
Nov 24	22.26%
Nov 24	21.93%
Nov 24	22%
Nov 24	21.93%
Nov 24	21.75%
Oct 24	21.68%

Price to Sales

ALBAV.HE Price to Sales by year
Period	Price to Sales
Sep 26	2.47
Sep 26	2.49
Sep 26	2.52
Aug 26	2.54
Aug 26	2.55
Aug 26	2.57
Aug 26	2.55
Jul 26	2.54
Jul 26	2.55
Jul 26	2.55
Jul 26	2.56
Jul 26	2.58
Jun 26	2.47
Jun 26	2.31
Jun 26	2.42
Jun 26	2.45
May 26	2.41
May 26	2.47
May 26	2.5
May 26	2.49
Apr 26	2.64
Apr 26	2.68
Apr 26	2.67
Apr 26	2.75
Apr 26	2.91
Mar 26	2.96
Mar 26	2.98
Mar 26	3.02
Mar 26	2.92
Feb 26	3.1
Feb 26	3.02
Feb 26	2.88
Feb 26	2.85
Jan 26	2.73
Jan 26	2.71
Jan 26	2.69
Jan 26	2.67
Jan 26	2.59
Dec 25	2.35
Dec 25	2.38
Dec 25	2.34
Dec 25	2.34
Nov 25	2.34
Nov 25	2.39
Nov 25	2.5
Nov 25	2.6
Oct 25	2.58
Oct 25	2.45
Oct 25	2.43
Oct 25	2.4
Oct 25	2.37
Sep 25	2.26
Sep 25	2.21
Sep 25	2.18
Sep 25	2.14
Aug 25	2.13
Aug 25	2.11
Aug 25	2.01
Aug 25	2.06
Aug 25	2.08
Jul 25	2.09
Jul 25	2.1
Jul 25	2.07
Jul 25	1.99
Jun 25	1.9
Jun 25	1.94
Jun 25	1.9
Jun 25	1.92
May 25	1.9
May 25	1.87
May 25	1.89
May 25	1.79
May 25	1.82
Apr 25	1.77
Apr 25	1.81
Apr 25	1.8
Apr 25	1.74
Mar 25	1.79
Mar 25	1.97
Mar 25	1.95
Mar 25	1.9
Feb 25	1.9
Feb 25	1.87
Feb 25	1.85
Feb 25	1.83
Jan 25	1.86
Jan 25	1.87
Jan 25	1.85
Jan 25	1.74
Jan 25	1.68
Dec 24	1.6
Dec 24	1.64
Dec 24	1.62
Dec 24	1.62
Nov 24	1.6
Nov 24	1.63
Nov 24	1.62
Nov 24	1.63
Nov 24	1.64
Oct 24	1.65

EV/EBITDA

ALBAV.HE EV/EBITDA by year
Period	EV/EBITDA
Sep 26	18.93
Sep 26	18.99
Sep 26	19.14
Aug 26	19.21
Aug 26	19.25
Aug 26	19.33
Aug 26	19.25
Jul 26	19.21
Jul 26	19.23
Jul 26	19.25
Jul 26	19.27
Jul 26	19.38
Jun 26	19.72
Jun 26	19.07
Jun 26	19.51
Jun 26	19.63
May 26	19.47
May 26	19.7
May 26	19.8
May 26	19.78
Apr 26	20.37
Apr 26	20.52
Apr 26	20.45
Apr 26	20.79
Apr 26	21.38
Mar 26	19.94
Mar 26	20.03
Mar 26	20.15
Mar 26	19.78
Feb 26	20.48
Feb 26	20.15
Feb 26	19.62
Feb 26	19.53
Jan 26	19.04
Jan 26	19
Jan 26	18.92
Jan 26	18.82
Jan 26	18.53
Dec 25	15.51
Dec 25	15.65
Dec 25	15.49
Dec 25	15.47
Nov 25	15.49
Nov 25	15.67
Nov 25	16.08
Nov 25	16.45
Oct 25	16.37
Oct 25	15.88
Oct 25	15.8
Oct 25	15.71
Oct 25	15.61
Sep 25	14.53
Sep 25	14.33
Sep 25	14.22
Sep 25	14.08
Aug 25	14.04
Aug 25	13.96
Aug 25	13.55
Aug 25	13.77
Aug 25	13.83
Jul 25	13.87
Jul 25	13.92
Jul 25	13.79
Jul 25	13.47
Jun 25	7.93
Jun 25	8.08
Jun 25	7.94
Jun 25	8.02
May 25	7.94
May 25	7.81
May 25	7.87
May 25	7.47
May 25	7.58
Apr 25	7.38
Apr 25	7.56
Apr 25	7.53
Apr 25	7.29
Mar 25	16.51
Mar 25	17.22
Mar 25	17.14
Mar 25	16.92
Feb 25	16.92
Feb 25	16.81
Feb 25	16.75
Feb 25	16.66
Jan 25	16.77
Jan 25	16.83
Jan 25	16.75
Jan 25	16.29
Jan 25	16.07
Dec 24	11.95
Dec 24	12.09
Dec 24	12.04
Dec 24	12.02
Nov 24	11.96
Nov 24	12.05
Nov 24	12.04
Nov 24	12.05
Nov 24	12.11
Oct 24	12.13

Price/Operating Cashflow

ALBAV.HE Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Mar 26	5.19
Mar 26	5.23
Mar 26	5.29
Mar 26	5.12
Feb 26	5.44
Feb 26	5.29
Feb 26	5.04
Feb 26	5.01
Jan 26	4.78
Jan 26	4.76
Jan 26	4.72
Jan 26	4.68
Jan 26	4.54
Dec 25	37.29
Dec 25	37.86
Dec 25	37.2
Dec 25	37.12
Nov 25	37.2
Nov 25	37.95
Nov 25	39.68
Nov 25	41.25
Oct 25	40.92
Oct 25	38.86
Oct 25	38.53
Oct 25	38.11
Oct 25	37.7
Sep 25	3.97
Sep 25	3.88
Sep 25	3.82
Sep 25	3.76
Aug 25	3.75
Aug 25	3.71
Aug 25	3.52
Aug 25	3.62
Aug 25	3.65
Jul 25	3.67
Jul 25	3.69
Jul 25	3.63
Jul 25	3.49
Jun 25	68.86
Jun 25	70.27
Jun 25	69.04
Jun 25	69.74
May 25	69.04
May 25	67.8
May 25	68.33
May 25	64.8
May 25	65.79
Apr 25	64
Apr 25	65.63
Apr 25	65.33
Apr 25	63.21
Dec 24	4.04
Dec 24	4.14
Dec 24	4.1
Dec 24	4.09
Nov 24	4.05
Nov 24	4.11
Nov 24	4.1
Nov 24	4.11
Nov 24	4.15
Oct 24	4.16
Oct 24	4.08
Oct 24	4.08
Oct 24	4.11
Sep 24	5.59
Sep 24	5.56
Sep 24	5.43
Sep 24	5.65
Aug 24	5.59
Aug 24	5.61
Aug 24	5.51
Aug 24	5.43
Aug 24	5.43
Jul 24	5.4
Jul 24	5.29
Jul 24	5.35
Jul 24	5.48
Jun 24	8.42
Jun 24	8.62
Jun 24	8.6
Jun 24	8.55
May 24	8.72
May 24	8.5
May 24	8.77
May 24	8.52
May 24	8.37
Apr 24	8.67
Apr 24	8.7
Apr 24	8.92
Apr 24	8.85
Sep 22	2.5
Sep 22	2.46
Sep 22	2.23
Sep 22	2.16
Aug 22	2.13
Aug 22	2.19
Aug 22	2.14
Aug 22	2.1
Jul 22	2.07

Price to Book

ALBAV.HE Price to Book by year
Period	Price to Book
Sep 26	2.1
Sep 26	2.11
Sep 26	2.14
Aug 26	2.16
Aug 26	2.17
Aug 26	2.19
Aug 26	2.17
Jul 26	2.16
Jul 26	2.16
Jul 26	2.17
Jul 26	2.17
Jul 26	2.19
Jun 26	1.8
Jun 26	1.68
Jun 26	1.76
Jun 26	1.78
May 26	1.75
May 26	1.8
May 26	1.82
May 26	1.81
Apr 26	1.92
Apr 26	1.95
Apr 26	1.94
Apr 26	2
Apr 26	2.11
Mar 26	2.73
Mar 26	2.75
Mar 26	2.78
Mar 26	2.69
Feb 26	2.86
Feb 26	2.78
Feb 26	2.65
Feb 26	2.63
Jan 26	2.51
Jan 26	2.5
Jan 26	2.48
Jan 26	2.46
Jan 26	2.39
Dec 25	2.12
Dec 25	2.15
Dec 25	2.12
Dec 25	2.11
Nov 25	2.12
Nov 25	2.16
Nov 25	2.26
Nov 25	2.35
Oct 25	2.33
Oct 25	2.21
Oct 25	2.19
Oct 25	2.17
Oct 25	2.14
Sep 25	2.19
Sep 25	2.14
Sep 25	2.11
Sep 25	2.08
Aug 25	2.07
Aug 25	2.05
Aug 25	1.95
Aug 25	2
Aug 25	2.02
Jul 25	2.02
Jul 25	2.04
Jul 25	2.01
Jul 25	1.93
Jun 25	1.78
Jun 25	1.82
Jun 25	1.79
Jun 25	1.81
May 25	1.79
May 25	1.76
May 25	1.77
May 25	1.68
May 25	1.7
Apr 25	1.66
Apr 25	1.7
Apr 25	1.69
Apr 25	1.64
Mar 25	1.79
Mar 25	1.97
Mar 25	1.95
Mar 25	1.89
Feb 25	1.89
Feb 25	1.86
Feb 25	1.85
Feb 25	1.82
Jan 25	1.85
Jan 25	1.87
Jan 25	1.85
Jan 25	1.73
Jan 25	1.67
Dec 24	1.68
Dec 24	1.72
Dec 24	1.7
Dec 24	1.7
Nov 24	1.68
Nov 24	1.71
Nov 24	1.7
Nov 24	1.71
Nov 24	1.72
Oct 24	1.73

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Ålandsbanken Abp

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