VJBAC Stock Overview

Provides various banking products and services for private and business customers in Denmark. More details

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

Rewards

Trading at 67.6% below our estimate of its fair value

Earnings grew by 23.1% over the past year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Vestjysk Bank A/S Competitors

TBC Bank Group

LSE:TBCG

UK£1.7b

Close Brothers Group

LSE:CBG

UK£339.4m

Bank of Georgia Group

LSE:BGEO

UK£2.0b

Arbuthnot Banking Group

AIM:ARBB

UK£147.8m

Price History & Performance

Summary of share price highs, lows and changes for Vestjysk Bank
Historical stock prices
Current Share Price	DKK 4.56
52 Week High	DKK 0
52 Week Low	DKK 0
Beta	0.32
1 Month Change	0%
3 Month Change	1.56%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	28.45%
Change since IPO	-51.23%

Recent updates

Shareholder Returns

	VJBAC	GB Banks	GB Market
7D	0%	-1.3%	-2.2%
1Y	n/a	32.4%	2.4%

Return vs Industry: Insufficient data to determine how VJBAC performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how VJBAC performed against the UK Market.

Price Volatility

Is VJBAC's price volatile compared to industry and market?
VJBAC volatility
VJBAC Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	10.5%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: VJBAC has not had significant price volatility in the past 3 months.

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

About the Company

Founded	Employees	CEO	Website
1874	630	Peter Hupfeld	www.vestjyskbank.dk

Vestjysk Bank A/S provides various banking products and services for private and business customers in Denmark. The company offers savings, time deposits, association accounts, and salary and credit accounts; car, mortgage, and home loans; overdrafts; payment services; and debit and credit cards. It also provides various financing, asset management, pension, counseling, and investment services; private banking services; and online and mobile banking services.

Vestjysk Bank A/S Fundamentals Summary

How do Vestjysk Bank's earnings and revenue compare to its market cap?
VJBAC fundamental statistics
Market cap	DKK 5.27b
Earnings (TTM)	DKK 1.03b
Revenue (TTM)	DKK 2.41b

5.1x

P/E Ratio

0.8x

P/B Ratio

Is VJBAC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
VJBAC income statement (TTM)
Revenue	DKK 2.41b
Cost of Revenue	DKK 0
Gross Profit	DKK 2.41b
Other Expenses	DKK 1.38b
Earnings	DKK 1.03b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.83
Gross Margin	100.00%
Net Profit Margin	42.56%
Debt/Equity Ratio	37.4%

How did VJBAC perform over the long term?

See historical performance and comparison

Dividends

9.4%

Current Dividend Yield

50%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/09/17 23:55
End of Day Share Price	2024/06/20 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

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 here.

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 .

Analyst Sources

Vestjysk Bank A/S is covered by 3 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
Rasmus Vendelboe Jakobsen	ABG Sundal Collier Sponsored
Lars Holm	Danske Bank
Simon Christensen	Nordea Markets

Vestjysk Bank BATS-CHIXE:VJBAC Stock Report