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Mons Bank ASOCSE:MNBA 49 Owner Earnings per Share (TTM) is 28.17 as of Dec. 2025, which is 498% above its 10-year median of 4.71. GuruFocus rates OCSE:MNBA with a GF Score™ of 49/100 and a GF Value™ of kr231.90 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,038 Banks companies, Mons Bank AS ranks worse than 67.92% on this metric.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
Mons Bank AS's Owner Earnings per Share (TTM) ended in Dec. 2025 was kr28.17. It's Price-to-Owner-Earnings ratio for today is 14.06.
The historical rank and industry rank for Mons Bank AS's Owner Earnings per Share (TTM) or its related term are showing as below:
OCSE:MNBA'
s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.35 Med: 4.71 Max: 62.41
Current: 13.77
Assumption: Companies usually do not report maintenance capital expenditures and growth capital expenditures separately. Here we use estimated numbers and average them over 5 years. The method to estimate maintenance capital expenditures can be found in above part 4.
Note: GuruFocus' Change In Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And it includes non-current parts of assets and liabilities.
Mons Bank AS Owner Earnings per Share (TTM) Related Terms
Mons Bank AS Owner Earnings per Share (TTM) Historical Data
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The historical data trend for Mons Bank AS's Owner Earnings per Share (TTM) can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Mons Bank AS Owner Earnings per Share (TTM) Competitor Comparison
For the Banks - Regional subindustry, Mons Bank AS's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Mons Bank AS Price-to-Owner-Earnings vs Banks Industry
For the Banks industry and Financial Services sector, Mons Bank AS's Price-to-Owner-Earnings distribution charts can be found below:
* The bar in red indicates where Mons Bank AS's Price-to-Owner-Earnings falls into.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
3. Other non-cash charges usually include "Stock Based Compensation" and "Change In Deferred Tax":
However, to be conservative, GuruFocus will not add Stock Based Compensation back to net income.
Mons Bank AS's Change In Deferred Tax for the trailing twelve months (TTM) ended in Dec. 2025 was kr0.0 Mil.
4. Average maintenance capital expenditure over a business/industry cycle: 5-Year Average Maintenance Capital Expenditure = kr0.4 Mil
It is usually best to take a long-term average of maintenance capital expenditure. Ideally this would be as long as 10 years and include at least one economic downturn. However, since many companies do not have as long as 10-year history, here GuruFocus uses the latest 5 years data to do the calculation. To smooth out unusual years but reflect recent developments, we take an average of the 5 year maintenance capital expenditure.
The following shows how to get maintenance capital expenditure.
First, calculate the revenue change regarding to the previous year. If the revenue decreased from the previous year, then the Maintenance Capital Expenditure = Capital Expenditure (positive).
Second, if the revenue increased from the previous year, then calculate the percentage of Net PPE as of corresponding Revenue.
Growth Capital Expenditure = Percentage of Property, Plant and Equipment as of corresponding Revenue * Revenue Increase
Third, calculate Capital Expenditure (positive) - Growth Capital Expenditure.
If [Capital Expenditure (positive) - Growth Capital Expenditure] was negative, then the Maintenance Capital Expenditure = Capital Expenditure (positive).
If [Capital Expenditure (positive) - Growth Capital Expenditure] was positive, then the Maintenance Capital Expenditure = Capital Expenditure (positive) - Growth Capital Expenditure.
Fourth, get the average of the 5 years maintenance capital expenditure.
Mons Bank AS's 5-Year Average Maintenance Capital Expenditure = kr0.4 Mil
5. "Change In Working Capital" is from cashflow statement. Mons Bank AS's Change In Working Capital for the trailing twelve months (TTM) ended in Dec. 2025 was kr0.0 Mil.
Note: GuruFocus' Change in Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And sometimes it includes non-current parts of assets and liabilities.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Owner Earnings per Share (TTM) of 28.17 mean?
Mons Bank AS (OCSE:MNBA) has a Owner Earnings per Share (TTM) of 28.17 as of Dec. 2025. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on Mons Bank AS. This is 498% above median its historical median of 4.71. Over the past decade, Mons Bank AS's Owner Earnings per Share (TTM) has ranged from 0.35 to 62.41. According to the industry distribution chart, Mons Bank AS ranks #705 out of 1038 companies in the Banks industry, placing it in the top 67.9%.
Is Mons Bank AS's Owner Earnings per Share (TTM) too high?
Mons Bank AS's current Owner Earnings per Share (TTM) of 28.17 is 498% above median its 10-year median of 4.71. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 62.41. The Banks industry median Owner Earnings per Share (TTM) is 10.66. Mons Bank AS's value of 28.17 is 164.4% above this industry median. Based on the distribution chart, Mons Bank AS ranks #705 out of 1038 companies in the Banks industry, which is below the industry midpoint. Overall, Mons Bank AS has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mons Bank AS's Owner Earnings per Share (TTM) compare to competitors?
According to the Banks industry distribution chart, Mons Bank AS ranks #705 out of 1038 companies for Owner Earnings per Share (TTM). This places Mons Bank AS in the lower half of its industry. The industry median Owner Earnings per Share (TTM) is 10.66. Mons Bank AS's value of 28.17 is 164.4% above this benchmark. Historically, Mons Bank AS's own Owner Earnings per Share (TTM) has ranged from 0.35 to 62.41 over the past decade. While the company's 10-year median is 4.71 vs. the industry median of 10.66, Mons Bank AS has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Owner Earnings per Share (TTM) for a Banks company?
The median Owner Earnings per Share (TTM) among Banks companies is 10.66, based on 1,038 companies in the industry. Companies in the top quartile (top 25%) have a Owner Earnings per Share (TTM) significantly above this median, while those in the bottom quartile fall well below. However, Owner Earnings per Share (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mons Bank AS's current Owner Earnings per Share (TTM) of 28.17 is 164.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Owner Earnings per Share (TTM) mean?
A high Owner Earnings per Share (TTM) can signal that a stock is expensive relative to its fundamentals. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on Mons Bank AS. For the Banks industry, the median Owner Earnings per Share (TTM) is 10.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mons Bank AS's current Owner Earnings per Share (TTM) is 28.17, which is 498% above median its own 10-year median of 4.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mons Bank AS stock overvalued right now?
Based on GuruFocus' analysis, Mons Bank AS (OCSE:MNBA) is currently considered Significantly Overvalued. The stock's GF Value™ is kr231.90, compared to a current price of kr396.00 — trading 70.8% above its estimated fair value. The current Owner Earnings per Share (TTM) is 28.17, which is 498% above median its 10-year median of 4.71 and 164.4% above the Banks industry median of 10.66. Mons Bank AS's overall GF Score™ is 49/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Owner Earnings per Share (TTM) calculated?
Owner Earnings per Share (TTM) is calculated from a company's financial statements. For Mons Bank AS (OCSE:MNBA), the current Owner Earnings per Share (TTM) is 28.17 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Mons Bank AS (OCSE:MNBA) Overvalued in 2026?
Based on GuruFocus' analysis, Mons Bank AS stock appears to be overvalued.
The current stock price of kr396.00 is trading 70.8% above its estimated GF Value™ of kr231.90.
GuruFocus considers Mons Bank AS to be Significantly Overvalued.
Key valuation signals for OCSE:MNBA:
Owner Earnings per Share (TTM): 28.17 (498% above median its 10-year median of 4.71)
GF Value™: kr231.90 vs. price of kr396.00 (70.8% above fair value)
Industry Position: 164.4% above the Banks median (#705 of 1038)
No single metric tells the full story. See the OCSE:MNBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mons Bank AS is a regional bank in Denmark. The Bank provides banking and other financial services to private individuals and local businesses in and around the island of Mon (Moen). It has branches in Praesto, Naestved and Vordingborg.
49GF Score
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