Executive Summary
Djurslands Bank A/S provides various banking products and services in Denmark.
Rewards
Risk Analysis
Snowflake Analysis
Adequate balance sheet and fair value.
Share Price & News
How has Djurslands Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: DJUR has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
-2.5%
DJUR
0.7%
DK Banks
2.9%
DK Market
1 Year Return
-5.7%
DJUR
7.1%
DK Banks
28.3%
DK Market
Return vs Industry: DJUR underperformed the Danish Banks industry which returned 4.7% over the past year.
Return vs Market: DJUR underperformed the Danish Market which returned 25.5% over the past year.
Shareholder returns
| DJUR | Industry | Market | |
|---|---|---|---|
| 7 Day | -2.5% | 0.7% | 2.9% |
| 30 Day | -4.2% | -1.4% | 2.2% |
| 90 Day | 1.8% | 12.8% | 12.9% |
| 1 Year | -2.7%-5.7% | 8.6%7.1% | 30.8%28.3% |
| 3 Year | -6.0%-13.7% | -12.4%-33.9% | 50.6%37.7% |
| 5 Year | -2.1%-14.8% | 6.2%-23.3% | 56.0%36.4% |
Price Volatility Vs. Market
How volatile is Djurslands Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall St
Our Take On Djurslands Bank's (CPH:DJUR) CEO Salary2 months ago | Simply Wall St
What Does Djurslands Bank A/S's (CPH:DJUR) P/E Ratio Tell You?3 months ago | Simply Wall St
Those Who Purchased Djurslands Bank (CPH:DJUR) Shares Five Years Ago Have A 11% Loss To Show For ItValuation
Is Djurslands Bank undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: DJUR (DKK230) is trading below our estimate of fair value (DKK478.22)
Significantly Below Fair Value: DJUR is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: DJUR is poor value based on its PE Ratio (10.1x) compared to the DK Banks industry average (8.3x).
PE vs Market: DJUR is good value based on its PE Ratio (10.1x) compared to the Danish market (18.2x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate DJUR's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: DJUR's PB Ratio (0.5x) is in line with the DK Banks industry average.
Next Steps
Future Growth
How is Djurslands Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
10.5%
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 Djurslands 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.
Next Steps
- Examine whether Djurslands Bank is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Djurslands Bank competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Banks industry.
Past Performance
How has Djurslands Bank performed over the past 5 years?
7.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: DJUR has high quality earnings.
Growing Profit Margin: DJUR's current net profit margins (18.2%) are lower than last year (22.2%).
Past Earnings Growth Analysis
Earnings Trend: DJUR's earnings have grown by 7.9% per year over the past 5 years.
Accelerating Growth: DJUR's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: DJUR had negative earnings growth (-23.5%) over the past year, making it difficult to compare to the Banks industry average (10.4%).
Return on Equity
High ROE: DJUR's Return on Equity (5.4%) is considered low.
Next Steps
Financial Health
How is Djurslands 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: DJUR's Assets to Equity ratio (9.4x) is low.
Allowance for Bad Loans: Insufficient data to determine if DJUR has a sufficient allowance for bad loans.
Low Risk Liabilities: 95% of DJUR's liabilities are made up of primarily low risk sources of funding.
Loan Level: DJUR has an appropriate level of Loans to Assets ratio (36%).
Low Risk Deposits: DJUR's Loans to Deposits ratio (42%) is appropriate.
Level of Bad Loans: Insufficient data to determine if DJUR has an appropriate level of bad loans.
Next Steps
Dividend
What is Djurslands Bank current dividend yield, its reliability and sustainability?
3.48%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: DJUR's dividend (3.48%) is higher than the bottom 25% of dividend payers in the Danish market (1.37%).
High Dividend: DJUR's dividend (3.48%) is low compared to the top 25% of dividend payers in the Danish market (3.51%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, DJUR has been paying a dividend for less than 10 years.
Growing Dividend: DJUR's dividend payments have increased, but the company has only paid a dividend for 7 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (35%), DJUR's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
4.3yrs
Average management tenure
CEO
Lars Kristensen (60 yo)
4.25yrs
Tenure
kr.2,824,000
Compensation
Mr. Lars Møller Kristensen serves as Member of the Executive Board of Djurslands Bank A/S (“Djurslands Bank”) since 2014 and its Chief Executive Officer. Mr. Kristensen is a Member of the Boards of Directo ...
CEO Compensation Analysis
Compensation vs Market: Lars's total compensation ($USD446.16K) is about average for companies of similar size in the Danish market ($USD446.16K).
Compensation vs Earnings: Lars's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Member of Executive Board | 4.25yrs | kr.2.82m | no data | |
| Head of Department | no data | no data | no data | |
| Financial Adviser | 14.58yrs | kr.106.00k | no data | |
| Chief Financial Officer | 5.17yrs | no data | no data | |
| Partner & COO | 3.42yrs | no data | no data | |
| Chief Audit Executive | no data | no data | no data |
4.3yrs
Average Tenure
60yo
Average Age
Experienced Management: DJUR's management team is considered experienced (4.3 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Financial Adviser | 14.58yrs | kr.106.00k | no data | |
| Independent Director | 12.58yrs | kr.106.00k | no data | |
| Independent Vice Chairman of the Board | 4.42yrs | kr.212.00k | no data | |
| Independent Chairman of the Board | 4.42yrs | kr.265.00k | no data | |
| Independent Director | 7.42yrs | kr.106.00k | no data | |
| Independent Director | 4.42yrs | kr.106.00k | no data | |
| Employee Representative Director | 3yrs | kr.106.00k | no data | |
| Employee Representative Director | 2.42yrs | kr.106.00k | no data | |
| Independent Director | 2.42yrs | kr.106.00k | no data |
4.4yrs
Average Tenure
55yo
Average Age
Experienced Board: DJUR's board of directors are considered experienced (4.4 years average tenure).
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: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Djurslands Bank A/S's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Djurslands Bank A/S
- Ticker: DJUR
- Exchange: CPSE
- Founded: 1965
- Industry: Regional Banks
- Sector: Banks
- Market Cap: kr.618.080m
- Shares outstanding: 2.69m
- Website: https://www.djurslandsbank.dk
Number of Employees
Location
- Djurslands Bank A/S
- Torvet 5
- Grenaa
- 8500
- Denmark
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| DJUR | CPSE (OMX Nordic Exchange Copenhagen) | Yes | Equity Shares | DK | DKK | Jan 1992 |
| 0J8I | LSE (London Stock Exchange) | Yes | Equity Shares | GB | DKK | Jan 1992 |
| DJURC | BATS-CHIXE (BATS 'Chi-X Europe') | Yes | Equity Shares | GB | DKK | Jan 1992 |
Biography
Djurslands Bank A/S provides various banking products and services in Denmark. The company accepts various deposits; offers loans, such as car loans; pension; insurance; and leasing products, as well as pr ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/08/12 21:44 |
| End of Day Share Price | 2020/08/11 00:00 |
| Earnings | 2020/06/30 |
| Annual Earnings | 2019/12/31 |
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.