Ålandsbanken Abp (HEL:ALBAV)
Finland flag Finland · Delayed Price · Currency is EUR
46.20
+0.20 (0.43%)
Aug 7, 2026, 5:53 PM EET

Ålandsbanken Abp Financials Overview

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
217.96218.86212.34200.11177.9171.12
Revenue Growth
0.93%3.07%6.11%12.48%3.96%17.78%
Net Income
49.7854.5852.2648.6736.7639.85
Earnings Per Share
3.213.533.393.172.372.55
EPS Growth
-9.32%4.13%6.94%33.88%-7.15%26.24%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Corporate and Other
18.9623.6612.069.3215.1320.27
Eliminations
-25.93-24.43-20.45-20.38-21.45-19.69
IT
56.7455.0454.3347.9744.3442.91
Premium Banking
66.9865.6871.463.5756.1145.26
Private Banking (Including Asset Management)
101.2198.919599.6483.7882.37
Total
217.96218.86212.34200.11177.9171.12

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
265.4303.87337.24399.72387.81944.94
Total Debt
1,027905.81943.091,2821,3002,123
Net Cash (Debt)
-761.6-601.94-605.85-882.78-911.73-1,178
Net Cash Growth
------
Net Cash Per Share
-49.28-38.94-39.27-57.54-58.68-75.54

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-125.96-188.6650.74652.93-680.95-228.46
Capital Expenditures
-3.33-4.33-11.68-4.1-3.55-2.87
Free Cash Flow
-129.29-192.9939.06648.83-684.5-231.33
Free Cash Flow Growth
---93.98%---

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
22.84%24.94%24.61%24.32%20.66%23.29%
FCF Margin
-59.32%-88.18%18.40%324.24%-384.76%-135.19%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
2.7502.7502.4002.4001.6001.550
Dividend Per Share Growth
0%14.58%0%50.00%3.23%55.00%
Dividend Yield
5.98%6.36%7.85%9.44%5.50%6.48%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
14.3912.849.979.7815.2712.51
P/FCF Ratio
--13.340.73--
PS Ratio
3.163.202.452.383.162.91