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1. Company Snapshot

1.a. Company Description

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, such as mortgage, home, building credit, restructuring, and energy loans, as well as car loans, consumer loans, and overdrafts; and debit and credit cards.It also provides pension products; and death, sickness, home, accident, annuity, detached, auto, annual travel, holiday home, motorcycle, and pet insurance, as well as protection for wages.


In addition, the company offers investment products; and net and mobile banking, ATM, SMS, and payment services.It operates through full time branches for private and business customers; and agricultural branch.The company was founded in 1969 and is headquartered in Tjele, Denmark.

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1.b. Last Insights on DAB

Danske Andelskassers Bank A/S has been driven by strong economic indicators, with Denmark's unemployment rate reaching a record low and the European Central Bank maintaining a dovish stance. The company's focus on digitalization and innovation has also contributed to its positive outlook, with the recent launch of a new mobile banking app and enhanced online services. Additionally, the bank's efforts to reduce costs and improve efficiency have led to improved profitability.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Undiscovered Gems With Strong Fundamentals For January 2025

Jan -10

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Discovering Hidden Gems with Promising Potential This December 2024

Dec -12

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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 drive growth in the banking sector, with Danske Andelskassers Bank A/S well-positioned to capitalize on these trends.

7. Detailed Products

Personal Banking

Danske Andelskassers Bank A/S offers a range of personal banking services, including current and savings accounts, credit cards, personal loans, and mortgages.

Business Banking

The bank provides a variety of business banking services, including business loans, credit facilities, cash management, and trade finance solutions.

Corporate Banking

Danske Andelskassers Bank A/S offers corporate banking services, including cash management, trade finance, and risk management solutions, to large corporations and institutions.

Wealth Management

The bank provides wealth management services, including investment advice, portfolio management, and estate planning, to high net worth individuals and families.

Insurance

Danske Andelskassers Bank A/S offers a range of insurance products, including life insurance, non-life insurance, and pension plans.

Digital Banking

The bank provides digital banking services, including online banking, mobile banking, and payment solutions, to individuals and businesses.

8. Danske Andelskassers Bank A/S's Porter Forces

Forces Ranking

Threat Of Substitutes

Danske Andelskassers Bank A/S operates in a highly competitive market, but the threat of substitutes is mitigated by the bank's strong brand recognition and customer loyalty.

Bargaining Power Of Customers

Danske Andelskassers Bank A/S has a large customer base, but customers have significant bargaining power due to the availability of alternative banking services.

Bargaining Power Of Suppliers

Danske Andelskassers Bank A/S has a diversified supplier base, reducing the bargaining power of individual suppliers.

Threat Of New Entrants

The banking industry has high barriers to entry, but new fintech companies and digital banks pose a moderate threat to Danske Andelskassers Bank A/S.

Intensity Of Rivalry

Danske Andelskassers Bank A/S operates in a highly competitive market with many established players, leading to intense rivalry among banks.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 22.48%
Debt Cost 3.95%
Equity Weight 77.52%
Equity Cost 5.65%
WACC 5.26%
Leverage 29.00%

11. Quality Control: Danske Andelskassers Bank A/S passed 3 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

Stock-Card
SpareBank 1 Nord-Norge

A-Score: 8.0/10

Value: 7.4

Growth: 7.8

Quality: 6.2

Yield: 9.4

Momentum: 8.0

Volatility: 9.3

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Sparekassen Sjælland-Fyn

A-Score: 7.6/10

Value: 7.5

Growth: 7.7

Quality: 7.6

Yield: 4.4

Momentum: 10.0

Volatility: 8.3

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SpareBank 1 SMN

A-Score: 7.6/10

Value: 7.0

Growth: 5.6

Quality: 6.1

Yield: 8.8

Momentum: 8.0

Volatility: 10.0

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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

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Sparebanken Sør

A-Score: 6.7/10

Value: 7.4

Growth: 3.0

Quality: 6.4

Yield: 9.4

Momentum: 7.5

Volatility: 6.7

1-Year Total Return ->

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Stock-Card
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 ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

16.3$

Current Price

16.3$

Potential

-0.00%

Expected Cash-Flows