-0.96%
0.00%
3.34%
-3.13%
-8.04%
-11.97%
45.07%
AI Spotlight on BNORDIK
Company Description
P/F BankNordik, together with its subsidiaries, provides personal and corporate banking services in the Faroe Islands and Greenland.The company operates in two segments, Banking and Non-Life Insurance.It provides a range of property and casualty insurance products under the Trygd brand, and life insurance products under the NordikLív brand; and real estate agency services under the Skyn brand.
P/F BankNordik was founded in 1906 and is headquartered in Tórshavn, Denmark.
Market Data
| Last Price | 154.5 |
| Change Percentage | 0.65% |
| Open | 153.5 |
| Previous Close | 153.5 |
| Market Cap ( Millions) | 1479 |
| Volume | 2065 |
| Year High | 200 |
| Year Low | 146 |
| M A 50 | 151.67 |
| M A 200 | 160.19 |
Financial Ratios
| FCF Yield | 23.12% |
| Dividend Yield | 5.39% |
| ROE | 16.29% |
| Debt / Equity | 100.76% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 0.77 |
| Price Earnings Ratio | 4.64 |
| Price To FCF | 4.33 |
| Price To sales | 2.2 |
| EV / EBITDA | 0 |
News
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking
Expected Growth : 5.65 %
What the company do ?
P/F BankNordik's Banking segment provides personal and corporate banking services, including lending, deposits, and payment solutions to customers in the Faroe Islands.
Why we expect these perspectives ?
P/F BankNordik's 5.65% growth is driven by strong loan growth, fueled by a robust economy and increasing consumer spending. Additionally, the bank's digital transformation efforts have improved operational efficiency, reducing costs and enhancing customer experience. Furthermore, strategic partnerships and expansion into new markets have contributed to the bank's growth momentum.
Segment n°2 -> Non-life Insurance
Expected Growth : 4.83 %
What the company do ?
Non-life Insurance from P/F BankNordik provides coverage for damages or losses to properties, vehicles, and other assets, excluding life insurance.
Why we expect these perspectives ?
The 4.83% growth in Non-life Insurance from P/F BankNordik is driven by increasing demand for motor insurance, a rise in construction activities, and a growing awareness of risk management among individuals and businesses in the region. Additionally, the insurer's strategic partnerships and digitalization efforts have improved customer reach and retention, contributing to the segment's growth.
Segment n°3 -> Eliminations
Expected Growth : 5.83 %
What the company do ?
Eliminations from P/F BankNordik refer to the removal of internal transactions and balances between entities within the BankNordik group to present a consolidated financial position.
Why we expect these perspectives ?
BankNordik's 5.83% growth is driven by strategic expansion into Nordic markets, increased digitalization efforts, and a strong focus on corporate lending. Additionally, the bank's cost-cutting initiatives and improved operational efficiency have contributed to its growth momentum.
P/F Banknordik Products
| Product Range | What is it ? |
|---|---|
| Private Banking | Personalized financial services and investment advice for high net worth individuals |
| Corporate Banking | Financial solutions and advisory services for businesses and corporations |
| Retail Banking | Everyday banking services for individuals and small businesses |
| Asset Management | Investment management services for institutional clients and private investors |
| Markets | Trading and market-making services for financial institutions and corporations |
| Wealth Management | Comprehensive wealth management services for high net worth individuals and families |
P/F BankNordik's Porter Forces
Threat Of Substitutes
The threat of substitutes for P/F BankNordik is moderate due to the presence of alternative financial institutions and digital payment platforms.
Bargaining Power Of Customers
The bargaining power of customers is high due to the high level of competition in the banking industry, giving customers the power to switch to alternative banks.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the bank's strong financial position and ability to negotiate favorable terms with suppliers.
Threat Of New Entrants
The threat of new entrants is moderate due to the regulatory barriers and high capital requirements for entering the banking industry.
Intensity Of Rivalry
The intensity of rivalry is high due to the high level of competition in the banking industry, with many established players competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 51.39% |
| Debt Cost | 3.95% |
| Equity Weight | 48.61% |
| Equity Cost | 6.25% |
| WACC | 5.06% |
| Leverage | 105.72% |
P/F BankNordik : Quality Control
P/F BankNordik passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| MING.OL | SpareBank 1 SMN, together with its subsidiaries, provides various banking, accounting, and real estate products and services to private individuals and companies in Norway and internationally. The company offers mortgage, … |
| NONG.OL | SpareBank 1 Nord-Norge provides banking services to personal and corporate customers in Northern Norway. It operates through Retail Market, Corporate Market, Leasing, and Markets segments. The company offers various savings, … |
| SOR.OL | Sparebanken Sør operates as an independent financial institution in Norway. It operates through two segments, Retail Market and Corporate Market. The company is involved in banking, securities trading, and real … |
| SPKSJF.CO | Sparekassen Sjælland-Fyn A/S, a savings bank, provides financial products and services to private and corporate customers. The company offers deposits and lending services, overdrafts, savings products, mortgage, car and housing … |
| SOAG.OL | SpareBank 1 Østfold Akershus, a savings bank, provides various banking products and services in Østfold and the southern part of Akershus. The company offers savings, operating, tax deduction, deposit, placement, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SpareBank 1 SMN
A-Score
1-Year Total Return ->
🥈
Sparekassen Sjælland-Fyn
A-Score
1-Year Total Return ->
🥉
SpareBank 1 Nord-Norge
A-Score
1-Year Total Return ->
4
SpareBank 1 Østfold Akershus
A-Score
1-Year Total Return ->
5
BankNordik
A-Score
1-Year Total Return ->
6
