0IQZ Stock Overview

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

0IQZ fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	1/6

Rewards

Trading at 41.8% below our estimate of its fair value

Earnings have grown 11.9% per year over the past 5 years

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap (DKK252M)

Community vs My Fair Value

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Hvidbjerg Bank A/S Competitors

Price History & Performance

Summary of share price highs, lows and changes for Hvidbjerg Bank
Historical stock prices
Current Share Price	DKK 139.00
52 Week High	DKK 139.00
52 Week Low	DKK 139.00
Beta	0.073
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	109.02%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	0IQZ	GB Banks	GB Market
7D	0%	1.6%	1.1%
1Y	n/a	36.7%	0.8%

Return vs Industry: Insufficient data to determine how 0IQZ performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how 0IQZ performed against the UK Market.

Price Volatility

Is 0IQZ's price volatile compared to industry and market?
0IQZ volatility
0IQZ Average Weekly Movement	n/a
Banks Industry Average Movement	6.8%
Market Average Movement	5.8%
10% most volatile stocks in GB Market	11.1%
10% least volatile stocks in GB Market	3.2%

Stable Share Price: 0IQZ's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine 0IQZ's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1912	67	Jens Odgaard	www.hvidbjergbank.dk

Hvidbjerg Bank A/S provides various banking products and services to private and business customers in Denmark. The company offers various accounts; car and motorcycle loans, consumer loans, and housing financing; and self-service, payment card, travel currency, signature room, protected email, electronic payment, and digital payment solutions. It also provides insurance products, such as life and private insurance, as well as salary security; pension and investment products; online and mobile banking services; and housing related advisory services in the areas of home purchase, home sales, renovation and extension, new construction, housing financing, cooperative housing, mortgage broker, and energy renovation.

Hvidbjerg Bank A/S Fundamentals Summary

How do Hvidbjerg Bank's earnings and revenue compare to its market cap?
0IQZ fundamental statistics
Market cap	DKK 252.02m
Earnings (TTM)	DKK 33.03m
Revenue (TTM)	DKK 136.12m

7.6x

P/E Ratio

0.9x

P/B Ratio

Is 0IQZ overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0IQZ income statement (TTM)
Revenue	DKK 136.12m
Cost of Revenue	DKK 0
Gross Profit	DKK 136.12m
Other Expenses	DKK 103.09m
Earnings	DKK 33.03m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	19.66
Gross Margin	100.00%
Net Profit Margin	24.27%
Debt/Equity Ratio	19.1%

How did 0IQZ perform over the long term?

See historical performance and comparison

Dividends

1.3%

Current Dividend Yield

10%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/21 03:45
End of Day Share Price	2025/05/14 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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

Hvidbjerg Bank A/S is covered by 0 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.