-1.79%
-12.16%
15.02%
-2.30%
14.33%
59.58%
185.82%
AI Spotlight on SKJE
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.
Market Data
| Last Price | 191.5 |
| Change Percentage | -1.79% |
| Open | 193.5 |
| Previous Close | 195 |
| Market Cap ( Millions) | 1845 |
| Volume | 4961 |
| Year High | 220 |
| Year Low | 153 |
| M A 50 | 191.39 |
| M A 200 | 189.91 |
Financial Ratios
| FCF Yield | 1.14% |
| Dividend Yield | 2.61% |
| ROE | 16.80% |
| Debt / Equity | 9.34% |
| Net Debt / EBIDTA | -643.43% |
| Price To Book | 1.06 |
| Price Earnings Ratio | 6.63 |
| Price To FCF | 87.56 |
| Price To sales | 2.66 |
| EV / EBITDA | -1.69 |
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking and Related Activities
Expected Growth : 4.5 %
What the company do ?
Skjern Bank A/S provides traditional banking services, including lending, deposit-taking, and payment services, as well as investment and insurance products to individuals and businesses.
Why we expect these perspectives ?
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.
Skjern Bank A/S Products
| Product Range | What is it ? |
|---|---|
| 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. |
Skjern Bank A/S's Porter Forces
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.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 6.16% |
| Debt Cost | 6.07% |
| Equity Weight | 93.84% |
| Equity Cost | 6.07% |
| WACC | 6.07% |
| Leverage | 6.56% |
Skjern Bank A/S : Quality Control
Skjern Bank A/S passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| TKBP.SW | Thurgauer Kantonalbank provides various banking products and services to private individuals, businesses, companies, and public sectors in Switzerland. It offers accounts, home and personal loans, mortgages, asset management, financial planning, … |
| DAB.CO | Danske Andelskassers Bank A/S provides various banking products and services to private, small and medium-sized business, and institutional customers in Denmark. The company offers payment accounts; loans and credit products, … |
| ARBB.L | Arbuthnot Banking Group PLC, together with its subsidiaries, provides private and commercial banking products and services in the United Kingdom. It operates through Banking, Wealth Management, Mortgage Portfolios, Renaissance Asset … |
| SOON.OL | SpareBank 1 Sørøst-Norge provides various banking products and services for private and corporate customers in Norway. It offers mobile and online banking, card, account, and payment services. In addition, the … |
| LASP.CO | Lån & Spar Bank A/S provides various banking products and services in Denmark. The company offers deposits; car and housing loans, business loans, and mortgages; and cards. It also provides … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Skjern Bank
A-Score
1-Year Total Return ->
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Danske Bank
A-Score
1-Year Total Return ->
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SpareBank 1 Sørøst-Norge
A-Score
1-Year Total Return ->
4
Arbuthnot Banking
A-Score
1-Year Total Return ->
5
Thurgauer KB
A-Score
1-Year Total Return ->
6
