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Ålandsbanken Abp (ALBAV.HE)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$194.93 - $703.41$620.20
Multi-Stage$92.34 - $100.86$96.52
Blended Fair Value$358.36
Current Price$37.00
Upside868.54%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS30.20%34.11%2.632.032.022.020.000.700.650.600.590.37
YoY Growth--29.79%0.64%-0.19%0.00%-100.00%8.24%9.13%0.45%58.86%166.94%
Dividend Yield--7.66%5.95%5.29%5.48%0.00%4.48%4.58%4.04%4.18%2.49%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)54.60
(-) Cash Dividends Paid (M)43.74
(=) Cash Retained (M)10.86
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)10.926.834.10
Cash Retained (M)10.8610.8610.86
(-) Cash Required (M)-10.92-6.83-4.10
(=) Excess Retained (M)-0.064.046.77
(/) Shares Outstanding (M)15.4415.4415.44
(=) Excess Retained per Share0.000.260.44
LTM Dividend per Share2.832.832.83
(+) Excess Retained per Share0.000.260.44
(=) Adjusted Dividend2.833.093.27
WACC / Discount Rate7.03%7.03%7.03%
Growth Rate5.50%6.50%7.50%
Fair Value$194.93$620.20$703.41
Upside / Downside426.83%1,576.21%1,801.11%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)54.6058.1561.9365.9570.2474.8177.05
Payout Ratio80.11%82.08%84.06%86.04%88.02%90.00%92.50%
Projected Dividends (M)43.7447.7352.0656.7561.8367.3371.27

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.03%7.03%7.03%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)44.1844.6045.01
Year 2 PV (M)44.5945.4446.30
Year 3 PV (M)44.9946.2847.60
Year 4 PV (M)45.3747.1148.91
Year 5 PV (M)45.7247.9350.23
PV of Terminal Value (M)1,200.651,258.641,318.85
Equity Value (M)1,425.501,490.011,556.90
Shares Outstanding (M)15.4415.4415.44
Fair Value$92.34$96.52$100.86
Upside / Downside149.58%160.87%172.58%

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