Lea Bank AB (publ)

kr 13.00As of Sun 8 Nov 2026, 12:00 UTC

STO:LEAFinancials

Country Sweden

PE (Fwd) •••

TSR 10Y CAGR —

Div yield 5.54%

ROTE 8.52%

Banks (Regional)

Beta (5Y) —

PE TTM 11.70

TSR TTM 2.58%

Mkt cap kr 1.258B

NIM —

SE Grade™

Value

Quality

Moat

Consensus

Reference

kr 13

1.43%

196.11%

Hold 1|9|6|10|12

TTM

FYE 31 Dec SEK

FY2016

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026E

Trend

10Y

Peers

148.4

Revenuekr M

141.6

150.9

166.0

181.7

201.4

219.2

238.9

253.5

271.7

298.1

161.0

8.16%

8.79%

26.88

Revenue growth%

15.29

17.73

18.55

18.60

19.79

19.36

21.75

19.93

18.63

20.98

29.92

19.93

18.99

18.71

NIM%

18.01

19.44

18.15

20.30

21.50

23.75

26.06

23.74

24.90

27.04

21.51

24.90

22.62

22.09

Effic. R.%

23.53

22.73

20.79

19.63

16.69

18.19

20.83

18.72

19.60

19.67

4.18

19.60

19.65

29.51

Net margin%

9.29

11.16

12.14

12.21

14.46

11.81

13.29

15.73

17.96

17.44

2.51

15.73

12.75

20.73

P/E ratio (avg)x

41.58

44.80

44.48

43.50

51.51

55.99

60.04

64.38

70.81

75.75

31.52

64.38

53.75

25.18

P/TBVx

50.37

54.82

54.40

54.20

59.90

71.52

80.34

88.18

102.5

110.8

18.29

88.18

65.71

31.56

P/Bx

23.83

27.56

26.70

29.34

33.82

35.83

41.82

42.57

50.42

49.25

16.29

42.57

34.82

230.1

NIIkr M

100.2

104.8

117.6

129.3

143.4

154.9

167.8

176.4

190.1

211.7

25.06

8.10%

8.92%

—

5.25

NII grth%

18.10

17.98

15.81

14.72

13.48

14.74

14.12

11.34

10.51

10.02

18.78

11.34

14.42

12.50

ROTE%

34.39

36.18

37.34

39.19

39.91

37.00

34.99

32.32

34.98

37.54

12.41

34.99

36.59

6.99

Return on equity%

18.10

18.08

15.24

17.43

16.40

17.97

16.13

13.13

10.85

8.01

6.16

13.13

16.27

29.09

Return on assets%

9.20

7.80

6.92

7.58

5.41

7.66

9.24

6.84

9.61

10.45

4.84

9.24

7.73

1.24

EPSkr

1.10

1.17

1.28

1.13

0.99

1.07

0.95

1.05

0.98

1.09

1.27

1.85%

0.90%

—

2.39

EPS growth%

11.48

11.02

10.83

9.47

10.14

12.73

10.08

13.01

12.16

10.59

10.11

12.16

10.92

0.61

Bookvalue per shkr

3.04

3.49

3.45

3.25

3.64

4.07

4.48

4.53

5.18

2.00

9.76%

6.05%

—

0.92

TBV/shkr

0.75

0.73

0.69

0.67

0.73

0.78

0.74

0.70

2.22

0.46%

0.45%

—

1.20

Dividend per shkr

1.49

1.37

1.26

1.13

1.18

1.04

1.12

1.04

1.12

1.15

0.92

(0.43%)

(4.03%)

—

11.76

Div yield (avg)%

3.32

0.40

2.77

0.43

1.27

1.60

0.40

1.58

4.05

4.61

12.59

1.60

1.59

6.38

Payout ratio%

2.80

2.16

3.87

3.31

1.63

0.40

0.81

0.40

13.90

0.40

1.22

98.43

Shares (diluted)M

135.9

142.8

166.7

167.3

187.2

178.8

177.0

188.4

197.9

201.9

99.40

1.53%

5.23%

14.57

Buyback yield%

15.15

14.81

14.69

12.16

9.85

10.14

12.91

15.37

15.71

16.13

14.15

15.37

14.75

46.95

Eq/Assets%

133.21

128.16

125.75

137.57

121.59

122.29

110.11

115.53

103.98

108.67

141.26

110.11

121.94

0.139

Assetskr B

0.766

0.856

0.923

1.016

1.118

1.260

1.396

1.540

1.712

1.867

0.115

10.79%

10.47%

211.8

LT debtkr M

262.3

253.8

297.5

285.5

277.9

280.1

286.6

313.5

327.0

377.7

282.0

6.33%

4.81%

Peers (US$127.2M)

Cap (US$)

Norion Bank AB (publ)

1.165B

10.31x

Morrow Bank AB

512.6M

14.49x

Enity Holding AB (publ)

397.3M

8.147x

Winchester Bancorp…

126.5M

26.03x

Capital

TTM

10Y

Tang eq%

68.32

12.52

12.27

LT debt%

152.48

20.36

23.54

Cash%

57.52

16.24

16.15

Sh yield%

26.33

16.94

16.07

Owners

Insiders/Inst%

1.66

53.96

Short interest%

3.16

SBC / revenue%

0.64

Record

10Y

Profitable years

10/10

Revenue growth years

10/10

EPS growth years

10/10

Dividend streakyrs

ROE range%

8–18

$1 testx

—

Incr. ROIC%

—

Lea Bank AB (publ) provides various banking products and services in Norway, Sweden, Finland, and Spain. It provides savings and deposit accounts; loan products, including personal, collect, kitchen, and car without collateral loans; insurance products; and credit cards. Lea Bank AB (publ) was founded in 2016 and is headquartered in Gothenburg, Sweden.

Growth vs revenue

Latest

Trend

10Y CAGR

Rel growth

Total assets

kr 1.867B

10.47%

1.16×

Revenue

kr 298.1M

8.79%

1.00×

Non-interest expense

kr 136.6M

8.73%

0.99×