Alisa Bank
0.347 EUR -2.12 %4,629 investors are following this company
Alisa Bank is a Finnish banking company. Today, a wide range of financial services and corporate finance services are available. The bank serves individuals, SMEs and savers seeking interest on their deposits. The bank is currently operating in Finland, Denmark, Germany and Poland. Alisa Bank was established in 2022 after a merger of Fellow Finance and Evli Bank and is headquartered in Helsinki.
P/E (23e)
40.52
ROE-% (23e)
2.75 %
P/B (23e)
1.14
Dividend yield-% (23e)
-
Target price
0.34 EUR
Recommendation
Reduce
Updated
20.8.2023
NASDAQ Helsinki
ALISA
Daily low / high price
0.345 / 0.356
EUR
Market cap
30.65M EUR
Turnover
3.09K EUR
Volume
8.8K
Risk and recommendation
HighRiskLow
SellRecommendationBuy
Major OwnersSource: Millistream Market Data AB
| Owner | Capital | Votes |
|---|---|---|
| Taaleri | 17.3 % | 17.3 % |
| Evli Pankki Oyj | 17.3 % | 17.3 % |
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Insider Transactions
| Insider | Date | Total value |
|---|---|---|
| Kukka Lehtimäki | 02.05.2023 | 9,962.64EUR |
| Markku Pohjola | 07.11.2022 | 7,750EUR |
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This content is for our Premium customers only.
Forum updates
Income statement
| 2019 | 2020 | 2021 | 2022 | 2023e | 2024e | 2025e | 2026e | |
|---|---|---|---|---|---|---|---|---|
| Operating income | 0.00 | 0.00 | 0.00 | 10.24 | 17.28 | 20.51 | 25.79 | 31.48 |
| growth-% | 255,850.00 % | 68.74 % | 18.72 % | 25.77 % | 22.04 % | |||
| Operating expenses | -11.60 | -11.48 | -12.36 | -13.51 | -14.71 | |||
| Credit loss | -8.32 | -4.79 | -6.31 | -7.71 | -9.16 | |||
| EBIT (adj.) | -7.78 | 1.01 | 1.85 | 4.57 | 7.60 | |||
| EBIT | -9.68 | 1.01 | 1.85 | 4.57 | 7.60 | |||
| Net income | -9.01 | 0.76 | 1.48 | 3.66 | 6.08 | |||
| EPS (adj.) | -0.08 | 0.01 | 0.02 | 0.04 | 0.07 | |||
| growth-% | 95.22 % | 147.72 % | 66.20 % | |||||
| Dividend | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend ratio |
Profitability and return on capital
| 2019 | 2020 | 2021 | 2022 | 2023e | 2024e | 2025e | 2026e | |
|---|---|---|---|---|---|---|---|---|
| Cost to income-% | 113.30 % | 66.47 % | 60.25 % | 52.39 % | 46.74 % | |||
| ROA | 0.33 % | 0.84 % | 1.74 % | 2.46 % | ||||
| ROE | -63.69 % | 2.75 % | 5.36 % | 12.15 % | 17.38 % | |||
| ROE tangible | 4.04 % | 7.95 % | 17.72 % | 48.28 % | ||||
| Dividend yield |
Valuation
| 2019 | 2020 | 2021 | 2022 | 2023e | 2024e | 2025e | 2026e | |
|---|---|---|---|---|---|---|---|---|
| Share price (EUR) | 0.51 | 0.60 | 1.28 | 0.36 | 0.35 | 0.35 | 0.35 | 0.35 |
| Shares | 88.33 | 88.33 | 88.33 | 88.33 | 88.33 | |||
| Market cap | 32.06 | 30.65 | 30.65 | 30.65 | 30.65 | |||
| Enterprise value | -92.96 | -83.46 | -70.66 | -68.61 | -63.69 | |||
| P/E (adj.) | - | - | - | - | 40.52 | 20.76 | 8.38 | 5.04 |
| P/B | - | - | - | 1.13 | 1.14 | 1.08 | 0.96 | 0.81 |
| P/B tangible | - | - | - | 1.65 | 1.69 | 1.61 | 1.38 | 10.34 |
| Dividend yield | ||||||||
| Common equity-% (CET1) | 12.60 % | 11.70 % | 10.17 % | 10.01 % | 10.74 % | |||
| Equity ratio | 9.62 % | 9.20 % | 9.11 % | 9.38 % | 10.35 % |
Quarter data
| Q3/22 | Q4/22 | 2022 | Q1/23 | Q2/23 | Q3/23e | Q4/23e | 2023e | Q1/24e | |
|---|---|---|---|---|---|---|---|---|---|
| Operating income | 7.87 | 10.24 | 8.37 | 8.90 | 17.28 | ||||
| EBIT | -2.30 | -9.68 | 0.39 | 0.62 | 1.01 | ||||
| Net income | -2.44 | -9.01 | 0.26 | 0.49 | 0.76 | ||||
| EPS (adj.) | -0.02 | -0.08 | 0.00 | 0.01 | 0.01 |
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