0.45%
2.51%
7.66%
3.93%
3.69%
20.97%
35.54%
AI Spotlight on VJBA
Company Description
Vestjysk Bank A/S provides banking products and services for private and business customers in Jutland, Denmark.The company accepts deposits.It also offers lending and financing for real estate, agriculture, fisheries, renewable Energy, private banking, and large customers.
The company was incorporated in 1925 and is based in Herning, Denmark.Vestjysk Bank A/S is a subsidiary of A/S Arbejdernes Landsbank.
Market Data
| Last Price | 4.5 |
| Change Percentage | 0.45% |
| Open | 4.49 |
| Previous Close | 4.48 |
| Market Cap ( Millions) | 5550 |
| Volume | 701482 |
| Year High | 5 |
| Year Low | 4.04 |
| M A 50 | 4.3 |
| M A 200 | 4.35 |
Financial Ratios
| FCF Yield | 0.73% |
| Dividend Yield | 9.33% |
| ROE | 15.94% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -433.82% |
| Price To Book | 0.73 |
| Price Earnings Ratio | 4.86 |
| Price To FCF | 137.54 |
| Price To sales | 2.33 |
| EV / EBITDA | 2.96 |
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking and Related Activities
Expected Growth : 4.97 %
What the company do ?
Vestjysk Bank A/S provides personal and business banking services, including loans, accounts, and investment products, serving individuals and businesses in Denmark.
Why we expect these perspectives ?
Vestjysk Bank A/S's 4.97% growth in Banking and Related Activities is driven by increasing demand for digital banking services, strategic expansion into new markets, and a strong focus on customer relationships. Additionally, the bank's efficient cost management and investment in technology have contributed to its growth.
Vestjysk Bank A/S Products
| Product Range | What is it ? |
|---|---|
| Private Banking | Personalized banking services for individuals, including account management, investment advice, and loan facilities. |
| Corporate Banking | Financial solutions for businesses, including cash management, trade finance, and risk management. |
| Mortgage Loans | Long-term loans for purchasing or refinancing residential or commercial properties. |
| Savings and Deposits | Short-term and long-term savings accounts with competitive interest rates. |
| Investment Services | Portfolio management, investment advice, and brokerage services for individuals and institutions. |
| Payment Services | Secure and efficient payment solutions for individuals and businesses. |
| Insurance Services | Life insurance, non-life insurance, and pension products for individuals and businesses. |
Vestjysk Bank A/S's Porter Forces
Threat Of Substitutes
The threat of substitutes for Vestjysk Bank A/S is medium, as there are alternative financial institutions and digital payment platforms that customers can use.
Bargaining Power Of Customers
The bargaining power of customers is high, as they have many options for banking services and can easily switch to competitors.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low, as Vestjysk Bank A/S has a strong position in the market and can negotiate favorable terms with its suppliers.
Threat Of New Entrants
The threat of new entrants is low, as there are significant barriers to entry in the banking industry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high, as there are many banks competing for customers in the Danish market, and Vestjysk Bank A/S must differentiate itself through its products and services.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 25.79% |
| Debt Cost | 5.65% |
| Equity Weight | 74.21% |
| Equity Cost | 5.65% |
| WACC | 5.65% |
| Leverage | 34.75% |
Vestjysk Bank A/S : Quality Control
Vestjysk Bank A/S passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| BDB.MI | Banco di Desio e della Brianza S.p.A. provides banking products and services to individuals and enterprises in Italy. The company offers deposits and loans. It also provides financial, banking, payment, … |
| IF.MI | Banca IFIS S.p.A. provides credit services and solutions for enterprises. It engages in the purchase/management of non-performing loan portfolios. It offers factoring, advisory and equity investment, structured finance, leasing, and … |
| SVEG.OL | Sparebanken Vest, a financial services company, provides banking and financing services in the counties of Vestland and Rogaland, Norway. It operates through Corporate Market, Retail Market, Bulder Bank, Treasury, and … |
| BGEO.L | Bank of Georgia Group PLC, through its subsidiaries, provides various banking products and services in Georgia. It operates through three segments: Retail Banking, Corporate and Investment Banking, and BNB. The … |
| BOCH.L | Bank of Cyprus Holdings Public Limited Company, through its subsidiaries, provides banking, financial, and insurance services. It offers current, savings, notice, instant access, and fixed deposits; housing, student, consumer, business … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Banca IFIS
A-Score
1-Year Total Return ->
🥈
Bank of Georgia
A-Score
1-Year Total Return ->
🥉
Banco di Desio Brianza
A-Score
1-Year Total Return ->
4
Vestjysk Bank
A-Score
1-Year Total Return ->
5
Sparebanken Vest
A-Score
1-Year Total Return ->
6
