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Market Cap

€128.4m

Last Updated

2021/05/10 18:31 UTC

Data Sources

Company Financials

Executive Summary

vdk bank nv offers financial services to the private individuals and organizations in Belgium. More Details


Snowflake Analysis

Adequate balance sheet and slightly overvalued.

Share Price & News

How has vdk bank's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: Insufficient data to determine 002278082's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine 002278082's volatility change over the past year.


Market Performance


7 Day Return

0%

2278082

1.9%

BE Banks

1.6%

BE Market


1 Year Return

n/a

2278082

46.0%

BE Banks

30.7%

BE Market

Return vs Industry: Insufficient data to determine how 002278082 performed against the Belgian Banks industry.

Return vs Market: Insufficient data to determine how 002278082 performed against the Belgian Market.


Shareholder returns

2278082IndustryMarket
7 Day0%1.9%1.6%
30 Day0%4.3%4.6%
90 Day2.6%14.6%6.2%
1 Yearn/a49.3%46.0%32.7%30.7%
3 Year-2.5%-2.5%-17.5%-25.1%0.7%-4.2%
5 Yearn/a18.7%-4.8%-1.8%-10.8%

Long-Term Price Volatility Vs. Market

How volatile is vdk bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is vdk bank undervalued compared to its fair value and its price relative to the market?

12.1x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 002278082's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 002278082's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 002278082 is good value based on its PE Ratio (12.1x) compared to the XE Banks industry average (13.1x).

PE vs Market: 002278082 is good value based on its PE Ratio (12.1x) compared to the Belgian market (19.5x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 002278082's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 002278082's PB Ratio (0.6x) is in line with the XE Banks industry average.


Future Growth

How is vdk bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

15.7%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as vdk bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has vdk bank performed over the past 5 years?

-1.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 002278082 has high quality earnings.

Growing Profit Margin: 002278082's current net profit margins (16.7%) are lower than last year (23.3%).


Past Earnings Growth Analysis

Earnings Trend: 002278082's earnings have declined by 1.2% per year over the past 5 years.

Accelerating Growth: 002278082's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 002278082 had negative earnings growth (-34.1%) over the past year, making it difficult to compare to the Banks industry average (-11.6%).


Return on Equity

High ROE: 002278082's Return on Equity (3.2%) is considered low.


Financial Health

How is vdk bank's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 002278082's Assets to Equity ratio (13.7x) is moderate.

Allowance for Bad Loans: Insufficient data to determine if 002278082 has a sufficient allowance for bad loans.

Low Risk Liabilities: 83% of 002278082's liabilities are made up of primarily low risk sources of funding.

Loan Level: 002278082 has an appropriate level of Loans to Assets ratio (69%).

Low Risk Deposits: 002278082's Loans to Deposits ratio (91%) is appropriate.

Level of Bad Loans: Insufficient data to determine if 002278082 has an appropriate level of bad loans.


Dividend

What is vdk bank current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 002278082's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 002278082's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 002278082's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 002278082's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: 002278082 is not paying a notable dividend for the Belgian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 002278082's dividend in 3 years as they are not forecast to pay a notable one for the Belgian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

Leen Van den Neste (54 yo)

no data

Tenure

Mrs. Kathleen Van den Neste, also known as Leen, serves as Managing Director and Director of vdk bank NV (formerly VDK Spaarbank NV). Mrs. Van den Neste served as the Head of the Accountancy and Audit Depa...


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

Company Information

vdk bank nv's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: vdk bank nv
  • Ticker: 2278082
  • Exchange: ENXTBR
  • Founded: 1926
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: €128.367m
  • Shares outstanding: 32.91k
  • Website: https://www.vdk.be

Number of Employees


Location

  • vdk bank nv
  • Sint-Michielsplein 16
  • Gent
  • East Flanders
  • 9000
  • Belgium

Listings


Biography

vdk bank nv offers financial services to the private individuals and organizations in Belgium. It provides saving products; and loan, payment, insurance, and investment services, as well as digital banking...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/10 18:31
End of Day Share Price2021/03/09 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.