Avarda Bank stock
TFBANK.STSTOAvarda Bank AB (publ), Financial ServicesISIN SE0025666969
85Score 85 out of 100, Strong
Price and trend
77 / 100
Price history
+31% in one yearThe chart shows daily closes over 10 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 27% above it.
Since June 2026 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 88).
The price is at its 52-week high. Largest decline in 10 years: 51% (December 2021 to May 2023).
Chart figures for advanced users
- SMA 50$21.15
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$18.45
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)88
- 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$15.37
- The lowest closing price of the last twelve months.
- Resistance$23.41
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Avarda Bank AB (publ) belongs to the Banks industry (Sweden) and, with a market value of $1.51B, is number 7 of 11 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $66.89M (up 5.5% year on year).
- MEQIRI Score 85 out of 100 (Strong): rank 19 of 975 in Financial Services, median 68.
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- The P/E is 18.7 (Banks median 13.4, own median of recent years 12.1).
- Our model puts fair value at $17.02, with the price 38% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 25.6% over the last 12 months.Profitability 90
- Earnings per share growingUp 26.7% a year since 2020.Growth 100
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 100
Weaknesses
- Richly valuedP/E 18.7, Banks median 13.4, own median 12.1.Valuation 48
Its standout strengths are fundamentals and growth, while valuation holds the score back.
Daily figure as of 13 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 low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 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
- calm price action
- price near its 52-week high
Valuation
Valuation signal
Modestly overvaluedIn our model the price counts as cheap below $13.10 and expensive above $24.32 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $17.32 (excess return model) and $16.73 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 7.2%. At 8.2% the fair value would be $15.58, at 6.2% it would be $19.19.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (13.4).
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 rose 45.2% on the twelve months before. Revenue has grown strongly since 2012, at around 23% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 29%, net 23%. 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
- 20 Jan 2027in 68 days
- Last reported
- 14 Oct 2026EPS reported $0.35 (expected $0.33)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $1.330.0%
- Revenue
- $373.35M0.0%
- Earnings per share
- $1.700.0%
- Revenue
- $466.32M0.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
What happened at Avarda Bank
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 85
- 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
The next larger and next smaller companies by market value
- Powszechna Kasa Oszczednosci Bank Polski Spólka AkcyjnaPKO.WA $37.08B75
- Hana Financial Group086790.KS $24.13B67
- Bank of IndiaBANKINDIA.NS $7.33B67
- Liechtensteinische LandesbankLLBN.SW $4.41B64
- Renta 4 BancoR4.MC $951.44M84
- VP BankVPBN.SW $734.07M59
- SpareBank 1 Østfold AkershusSOAG.OL $666.78M70
- Deutsche PfandbriefbankPBB.DE $415.74M29
ETFs that hold Avarda Bank
Held by 8 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| WisdomTree Europe SmallCap Dividend UCITS ETFWTES | 0.27% | 0.38% | €86.74M |
| Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF DistX026 | 0.06% | 0.23% | €321.86M |
| Xtrackers MSCI Europe Small Cap UCITS ETF 1CXXSC | 0.03% | 0.30% | €3.45B |
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| Avantis Global Small Cap Value UCITS ETFAVWS | 0.02% | 0.39% | €1.49B |
| State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR AccZPRX | 0.01% | 0.30% | €813.64M |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.00% | 0.45% | €1.54B |
| State Street SPDR MSCI All Country World Investable Market UCITS ETF (Acc)SPYI | 0.00% | 0.17% | €8.84B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 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 12 Nov 2026 ($1 = SEK 9.9729)
- 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 30 Jun 2017)
- 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.