Skjern Bank A/S (SKJE.CO) | Investment Case

1. Company Snapshot

1.a. Company Description

Skjern Bank A/S provides various banking products and services to private and corporate customers in Denmark.The company offers saving accounts; home, car, priority, and mortgage loans, as well as loans for electric cars, energy optimization of the home, or investment in renewable energy; pension products; and home, salary protection, car, MasterCard, accident, family, travel, and personal insurance products.It also provides cards and cash products; residence products; advisory and international collection services; letters of credit; foreign guarantees and payments; currency accounts; and financing and investment products.

Skjern Bank A/S was founded in 1906 and is based in Skjern, Denmark.

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1.b. Last Insights on SKJE

Skjern Bank A/S's recent performance is driven by its resilience and growth potential amidst economic fluctuations. The company's ability to navigate a mixed market environment, as seen in the global markets' mixed performances, is a positive indicator. Additionally, Skjern Bank's focus on small-cap stocks, which are often overlooked, suggests a potential for undervaluation. The company's recent news on being considered as a "promising small-cap" by a reputable source, Undiscovered Gems, further supports this notion.

1.c. Company Highlights

Last Price	252.5
Change Percentage	-1.75%
Open	257.5
Previous Close	257
Market Cap ( Millions)	2432
Volume	10592
Year High	259.5
Year Low	155
M A 50	239.58
M A 200	220.42

FCF Yield	0.00%
Dividend Yield	1.39%
ROE	13.89%
Debt / Equity	12.19%
Net Debt / EBIDTA	-978.47%
Price To Book	1.29
Price Earnings Ratio	9.61
Price To FCF	0
Price To sales	3.33
EV / EBITDA	-2.95

2. Transcript Summary

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3. NewsRoom

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

Growing demand for digital banking services, increasing adoption of online payment systems, and a stable Danish economy are expected to drive Skjern Bank A/S's growth.

7. Detailed Products

Private Banking

Personalized banking services for individuals, including wealth management, investment advice, and tailored financial solutions.

Corporate Banking

Financial solutions for businesses, including cash management, trade finance, and risk management services.

Mortgage Loans

Competitive mortgage loan options for individuals and businesses, including fixed-rate and variable-rate loans.

Savings and Deposits

A range of savings and deposit products, including current accounts, savings accounts, and time deposits.

Payment Services

Secure and efficient payment solutions for individuals and businesses, including card services and online payment platforms.

Investment and Asset Management

A range of investment products and asset management services, including mutual funds, bonds, and equities.

Insurance Services

A range of insurance products, including life insurance, non-life insurance, and pension plans.

8. Skjern Bank A/S's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Skjern Bank A/S is medium because while there are some alternatives to traditional banking services, they are not yet widely adopted and do not pose a significant threat to the bank's business model.

Bargaining Power Of Customers

The bargaining power of customers is low for Skjern Bank A/S because the bank has a strong brand and a large customer base, giving it significant pricing power and reducing the ability of individual customers to negotiate better terms.

Bargaining Power Of Suppliers

The bargaining power of suppliers is medium for Skjern Bank A/S because while the bank has some flexibility in its supply chain, it is still dependent on a range of third-party providers for key services and technology.

Threat Of New Entrants

The threat of new entrants is low for Skjern Bank A/S because of the significant barriers to entry in the banking industry, including regulatory hurdles and the need for significant capital investment.

Intensity Of Rivalry

The intensity of rivalry is high for Skjern Bank A/S because the Danish banking industry is highly competitive, with a range of established players competing for market share.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	6.16%
Debt Cost	6.07%
Equity Weight	93.84%
Equity Cost	6.07%
WACC	6.07%
Leverage	6.56%

11. Quality Control: Skjern Bank A/S passed 5 out of 9 key points

Strong Liquidity

Low Debt

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Lån & Spar Bank

A-Score: 7.4/10

Value: 8.0

Growth: 7.0

Quality: 7.7

Yield: 3.1

Momentum: 9.5

Volatility: 9.0

1-Year Total Return ->

Arbuthnot Banking

A-Score: 7.1/10

Value: 9.3

Growth: 9.0

Quality: 6.3

Yield: 8.1

Momentum: 4.0

Volatility: 5.7

1-Year Total Return ->

Skjern Bank

A-Score: 6.8/10

Value: 7.8

Growth: 5.4

Quality: 8.1

Yield: 3.8

Momentum: 9.5

Volatility: 6.3

1-Year Total Return ->

Danske Bank

A-Score: 6.3/10

Value: 6.1

Growth: 2.9

Quality: 7.7

Yield: 5.0

Momentum: 8.5

Volatility: 7.7

1-Year Total Return ->

Thurgauer KB

A-Score: 5.9/10

Value: 5.0

Growth: 2.0

Quality: 5.5

Yield: 3.8

Momentum: 9.0

Volatility: 10.0

1-Year Total Return ->

SpareBank 1 Sørøst-Norge

A-Score: 4.7/10

Value: 5.8

Growth: 4.3

Quality: 5.5

Yield: 5.0

Momentum: 4.0

Volatility: 3.3

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

10.00%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

6.07%

Skjern Bank A/S - DK0010295922

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on SKJE

1.c. Company Highlights

Better Quality

Strong Momentum

Average Growth

Stable Momentum

Average Yield

Weak Momentum

Average Quality

Fairly Valued

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

7. Detailed Products

Private Banking

Corporate Banking

Mortgage Loans

Savings and Deposits

Payment Services

Investment and Asset Management

Insurance Services

8. Skjern Bank A/S's Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: Skjern Bank A/S passed 5 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

200.42$

Current Price

252.5$

Potential

-20.62%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA