SJF Bank (4AC) Stock Overview

Provides various banking products and services in Denmark. More details

4AC fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 37.9% below our estimate of its fair value

Risk Analysis

Unstable dividend track record

4AC Community Fair Values

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SJF Bank A/S Competitors

Price History & Performance

Summary of share price highs, lows and changes for SJF Bank
Historical stock prices
Current Share Price	DKK 55.80
52 Week High	DKK 56.40
52 Week Low	DKK 38.65
Beta	0.33
1 Month Change	13.99%
3 Month Change	34.95%
1 Year Change	28.13%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	57.40%

Recent updates

Shareholder Returns

	4AC	DE Banks	DE Market
7D	1.8%	2.1%	0.1%
1Y	28.1%	44.5%	-0.5%

Return vs Industry: 4AC underperformed the German Banks industry which returned 44.7% over the past year.

Return vs Market: 4AC exceeded the German Market which returned 0.3% over the past year.

Price Volatility

Is 4AC's price volatile compared to industry and market?
4AC volatility
4AC Average Weekly Movement	3.3%
Banks Industry Average Movement	3.4%
Market Average Movement	5.3%
10% most volatile stocks in DE Market	12.7%
10% least volatile stocks in DE Market	2.7%

Stable Share Price: 4AC has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: 4AC's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1825	578	Lars Petersson	www.sjfbank.dk

SJF Bank A/S provides various banking products and services in Denmark. It provides savings, wealth, and other accounts; housing, car, and agriculture loans; insurance and pension products; investment services; leasing and consulting services; and private banking services, as well as online and mobile banking services. The company was formerly known as Sparekassen Sjælland-Fyn A/S and changed its name to SJF Bank A/S in May 2025.

SJF Bank A/S Fundamentals Summary

How do SJF Bank's earnings and revenue compare to its market cap?
4AC fundamental statistics
Market cap	€904.25m
Earnings (TTM)	€75.09m
Revenue (TTM)	€236.23m

12.0x

P/E Ratio

1.3x

P/B Ratio

Is 4AC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
4AC income statement (TTM)
Revenue	DKK 1.77b
Cost of Revenue	DKK 0
Gross Profit	DKK 1.77b
Other Expenses	DKK 1.20b
Earnings	DKK 561.28m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)	35.33
Gross Margin	100.00%
Net Profit Margin	31.79%
Debt/Equity Ratio	35.1%

How did 4AC perform over the long term?

See historical performance and comparison

Dividends

2.6%

Current Dividend Yield

32%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/07/22 18:44
End of Day Share Price	2026/07/22 00:00
Earnings	2026/03/31
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

SJF Bank A/S is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Asbjørn Mørk	Danske Bank

SJF Bank A/SDB:4AC Stock Report