Lån & Spar Bank stock
LASP.COCPHLån & Spar Bank A/S, Financial ServicesISIN DK0010201532
72Score 72 out of 100, Strong
Price and trend
78 / 100
Price history
+20% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 9.9% above it.
Since February 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Overheated: the price has risen very quickly lately (RSI 79).
The price is 17% below its 52-week high. Largest decline in 20 years: 50% (January 2007 to February 2010).
Chart figures for advanced users
- SMA 50$203.06
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$195.63
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)79
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$159.27
- The lowest closing price of the last twelve months.
- Resistance$258.99
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Lån & Spar Bank A/S belongs to the Banks (Regional) industry (Denmark) and, with a market value of $743.6M, is number 329 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $61.22M (down 11.1% year on year).
- MEQIRI Score 72 out of 100 (Strong): rank 349 of 976 in Financial Services, median 68.
Show more
- The P/E is 12.5 (Banks (Regional) median 12.2, own median of recent years 8.8).
- Our model puts fair value at $257.72, with the price 17% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 21.8% a year since 2020.Growth 89
- Reliable dividendNo dividend cut for 15 years.
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 80
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are growth and fundamentals, while capital allocation holds the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
Valuation
Valuation signal
Fairly valuedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $184.09 and expensive above $429.54 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $305.45 (excess return model) and $210.00 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 7.2%. At 8.2% the fair value would be $232.27, at 6.2% it would be $295.90.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 3.4% on the twelve months before. Revenue has grown solidly since 2006, at about 9% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 33%, net 26%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- No date announced.
- Last reported
- 30 Jun 2025EPS reported $5.00
Sector comparison
976 rated companies in Financial Services
- This company
- 72
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- VersaBankVBNK $770.6M60
- Shore BancsharesSHBI $758.73M69
- HomeTrust BancsharesHTB $748.43M74
- Washington Trust BancorpWASH $747.12M62
- SpareBank 1 Ringerike HadelandRING.OL $733.35M73
- Ålandsbanken AbpALBBV.HE $727.05M69
- Peoples Financial ServicesPFIS $725.15M72
- Arrow FinancialAROW $715.83M62
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 11 Nov 2026 ($1 = DKK 6.7183)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.