P/F BankNordik Logo

P/F BankNordik

BNORDIK-CSE.CO

(2.8)
Stock Price

154,50 DKK

2.36% ROA

16.29% ROE

4.64x PER

Market Cap.

1.479.183.000,00 DKK

100.76% DER

5.39% Yield

47.27% NPM

P/F BankNordik Stock Analysis

P/F BankNordik Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

P/F BankNordik Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.82x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (35%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROE

The stock's ROE falls within an average range (10.96%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (1.65%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Assets Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

8 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (376) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

P/F BankNordik Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

P/F BankNordik Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Buy
4 Stoch RSI Hold

P/F BankNordik Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

P/F BankNordik Revenue
Year Revenue Growth
2004 1.404.401.920
2005 1.623.350.497 13.49%
2006 272.977.000 -494.68%
2007 340.709.000 19.88%
2008 497.641.000 31.54%
2009 551.240.000 9.72%
2010 1.231.776.000 55.25%
2011 983.342.000 -25.26%
2012 1.115.359.000 11.84%
2013 1.105.691.000 -0.87%
2014 1.053.734.000 -4.93%
2015 756.365.000 -39.32%
2016 720.012.000 -5.05%
2017 719.000.000 -0.14%
2018 702.949.000 -2.28%
2019 715.238.000 1.72%
2020 468.176.000 -52.77%
2021 508.071.000 7.85%
2022 503.735.000 -0.86%
2023 770.808.000 34.65%
2023 886.631.000 13.06%
2024 984.872.000 9.98%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

P/F BankNordik Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

P/F BankNordik General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 668.267.087
2005 858.003.197 22.11%
2006 154.353.000 -455.87%
2007 206.164.000 25.13%
2008 191.276.000 -7.78%
2009 210.778.000 9.25%
2010 0 0%
2011 0 0%
2012 255.121.000 100%
2013 195.742.000 -30.34%
2014 184.178.000 -6.28%
2015 196.829.000 6.43%
2016 173.441.000 -13.48%
2017 170.069.000 -1.98%
2018 0 0%
2019 260.812.000 100%
2020 82.697.000 -215.38%
2021 79.012.000 -4.66%
2022 88.392.000 10.61%
2023 94.056.000 6.02%
2023 102.060.000 7.84%
2024 72.288.000 -41.19%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

P/F BankNordik EBITDA
Year EBITDA Growth
2004 429.640.644
2005 667.017.819 35.59%
2006 201.057.000 -231.76%
2007 188.618.000 -6.59%
2008 184.859.000 -2.03%
2009 139.541.000 -32.48%
2010 434.323.000 67.87%
2011 51.566.000 -742.27%
2012 148.154.000 65.19%
2013 141.069.000 -5.02%
2014 180.695.000 21.93%
2015 180.428.000 -0.15%
2016 268.439.000 32.79%
2017 262.727.000 -2.17%
2018 298.776.000 12.07%
2019 274.698.000 -8.77%
2020 210.155.000 -30.71%
2021 324.310.000 35.2%
2022 244.886.000 -32.43%
2023 440.292.000 44.38%
2023 5.572.000 -7801.87%
2024 18.436.000 69.78%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

P/F BankNordik Gross Profit
Year Gross Profit Growth
2004 1.404.401.920
2005 1.623.350.497 13.49%
2006 272.977.000 -494.68%
2007 340.709.000 19.88%
2008 497.641.000 31.54%
2009 551.240.000 9.72%
2010 1.231.776.000 55.25%
2011 983.342.000 -25.26%
2012 1.115.359.000 11.84%
2013 1.105.691.000 -0.87%
2014 1.053.734.000 -4.93%
2015 756.365.000 -39.32%
2016 720.012.000 -5.05%
2017 719.000.000 -0.14%
2018 702.949.000 -2.28%
2019 715.238.000 1.72%
2020 468.176.000 -52.77%
2021 508.071.000 7.85%
2022 503.735.000 -0.86%
2023 770.808.000 34.65%
2023 886.631.000 13.06%
2024 984.872.000 9.98%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

P/F BankNordik Net Profit
Year Net Profit Growth
2004 532.811.472
2005 812.633.453 34.43%
2006 159.409.000 -409.78%
2007 144.003.000 -10.7%
2008 170.795.000 15.69%
2009 111.047.000 -53.8%
2010 334.176.000 66.77%
2011 31.671.000 -955.15%
2012 103.073.000 69.27%
2013 92.396.000 -11.56%
2014 -127.411.000 172.52%
2015 -221.009.000 42.35%
2016 221.874.000 199.61%
2017 189.078.000 -17.35%
2018 262.097.000 27.86%
2019 206.631.000 -26.84%
2020 103.151.000 -100.32%
2021 193.356.000 46.65%
2022 164.407.000 -17.61%
2023 351.544.000 53.23%
2023 307.533.000 -14.31%
2024 348.000.000 11.63%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

P/F BankNordik Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 53
2005 81 34.57%
2006 16 -440%
2007 14 -7.14%
2008 9 -75%
2009 11 27.27%
2010 32 65.63%
2011 3 -966.67%
2012 10 70%
2013 9 -11.11%
2014 -13 175%
2015 -22 45.45%
2016 23 200%
2017 19 -15.79%
2018 27 29.63%
2019 22 -28.57%
2020 11 -110%
2021 20 50%
2022 16 -25%
2023 37 55.56%
2023 31 -16.13%
2024 36 11.43%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

P/F BankNordik Free Cashflow
Year Free Cashflow Growth
2006 998.781.000
2007 241.579.000 -313.44%
2008 200.484.000 -20.5%
2009 -381.390.000 152.57%
2010 -1.545.136.000 75.32%
2011 1.561.250.000 198.97%
2012 -41.965.000 3820.36%
2013 -118.992.000 64.73%
2014 411.928.000 128.89%
2015 -160.472.000 356.7%
2016 225.938.000 171.02%
2017 112.805.000 -100.29%
2018 129.569.000 12.94%
2019 264.362.000 50.99%
2020 329.008.000 19.65%
2021 3.869.179.000 91.5%
2022 278.158.000 -1291%
2023 -86.461.000 421.71%
2023 304.526.000 128.39%
2024 -32.481.000 1037.55%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

P/F BankNordik Operating Cashflow
Year Operating Cashflow Growth
2006 1.005.686.000
2007 255.092.000 -294.24%
2008 255.635.000 0.21%
2009 -363.254.000 170.37%
2010 -1.491.027.000 75.64%
2011 2.054.753.000 172.56%
2012 -27.148.000 7668.71%
2013 -82.798.000 67.21%
2014 499.705.000 116.57%
2015 -116.267.000 529.79%
2016 238.695.000 148.71%
2017 133.187.000 -79.22%
2018 149.374.000 10.84%
2019 278.548.000 46.37%
2020 336.290.000 17.17%
2021 3.874.096.000 91.32%
2022 279.886.000 -1284.17%
2023 -85.012.000 429.23%
2023 311.533.000 127.29%
2024 -31.150.000 1100.11%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

P/F BankNordik Capital Expenditure
Year Capital Expenditure Growth
2006 6.905.000
2007 13.513.000 48.9%
2008 55.151.000 75.5%
2009 18.136.000 -204.1%
2010 54.109.000 66.48%
2011 493.503.000 89.04%
2012 14.817.000 -3230.65%
2013 36.194.000 59.06%
2014 87.777.000 58.77%
2015 44.205.000 -98.57%
2016 12.757.000 -246.52%
2017 20.382.000 37.41%
2018 19.805.000 -2.91%
2019 14.186.000 -39.61%
2020 7.282.000 -94.81%
2021 4.917.000 -48.1%
2022 1.728.000 -184.55%
2023 1.449.000 -19.25%
2023 7.007.000 79.32%
2024 1.331.000 -426.45%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

P/F BankNordik Equity
Year Equity Growth
2004 8.545.628.707
2005 6.846.815.717 -24.81%
2006 1.245.519.000 -449.72%
2007 1.344.522.000 7.36%
2008 1.562.045.000 13.93%
2009 1.663.122.000 6.08%
2010 2.042.566.000 18.58%
2011 1.957.695.000 -4.34%
2012 2.053.362.000 4.66%
2013 2.155.998.000 4.76%
2014 1.999.195.000 -7.84%
2015 1.766.336.000 -13.18%
2016 1.922.035.000 8.1%
2017 1.820.092.000 -5.6%
2018 1.986.751.000 8.39%
2019 2.263.088.000 12.21%
2020 2.421.933.000 6.56%
2021 2.186.969.000 -10.74%
2022 1.967.991.000 -11.13%
2023 1.850.609.000 -6.34%
2023 1.929.576.000 4.09%
2024 1.909.387.000 -1.06%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

P/F BankNordik Assets
Year Assets Growth
2004 30.713.253.055
2005 40.181.782.855 23.56%
2006 7.212.876.000 -457.08%
2007 9.620.969.000 25.03%
2008 10.109.762.000 4.83%
2009 10.267.021.000 1.53%
2010 14.258.767.000 28%
2011 17.086.357.000 16.55%
2012 17.608.966.000 2.97%
2013 17.084.562.000 -3.07%
2014 16.535.501.000 -3.32%
2015 16.247.814.000 -1.77%
2016 15.552.094.000 -4.47%
2017 15.784.953.000 1.48%
2018 16.700.158.000 5.48%
2019 18.173.399.000 8.11%
2020 17.290.303.000 -5.11%
2021 11.789.746.000 -46.66%
2022 12.190.232.000 3.29%
2023 12.957.278.000 5.92%
2023 12.516.471.000 -3.52%
2024 13.491.880.000 7.23%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

P/F BankNordik Liabilities
Year Liabilities Growth
2004 22.167.624.348
2005 33.334.967.137 33.5%
2006 5.967.357.000 -458.62%
2007 8.276.447.000 27.9%
2008 8.547.717.000 3.17%
2009 8.603.899.000 0.65%
2010 12.216.201.000 29.57%
2011 15.128.662.000 19.25%
2012 15.555.604.000 2.74%
2013 14.928.564.000 -4.2%
2014 14.536.306.000 -2.7%
2015 14.481.478.000 -0.38%
2016 13.630.059.000 -6.25%
2017 13.964.861.000 2.4%
2018 14.713.407.000 5.09%
2019 15.910.311.000 7.52%
2020 14.868.370.000 -7.01%
2021 9.602.777.000 -54.83%
2022 10.222.241.000 6.06%
2023 11.106.669.000 7.96%
2023 660.879.000 -1580.59%
2024 11.582.493.000 94.29%

P/F BankNordik Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
70.37
Net Income per Share
33.27
Price to Earning Ratio
4.64x
Price To Sales Ratio
2.2x
POCF Ratio
4.16
PFCF Ratio
4.33
Price to Book Ratio
0.77
EV to Sales
1.31
EV Over EBITDA
2.96
EV to Operating CashFlow
2.48
EV to FreeCashFlow
2.58
Earnings Yield
0.22
FreeCashFlow Yield
0.23
Market Cap
1,48 Bil.
Enterprise Value
0,88 Bil.
Graham Number
386.36
Graham NetNet
-946.49

Income Statement Metrics

Net Income per Share
33.27
Income Quality
0.86
ROE
0.16
Return On Assets
0.02
Return On Capital Employed
0.03
Net Income per EBT
0.82
EBT Per Ebit
1
Ebit per Revenue
0.58
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.14
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.58
Pretax Profit Margin
0.58
Net Profit Margin
0.47

Dividends

Dividend Yield
0.05
Dividend Yield %
5.39
Payout Ratio
0.27
Dividend Per Share
8.33

Operating Metrics

Operating Cashflow per Share
37.14
Free CashFlow per Share
35.72
Capex to Operating CashFlow
0.04
Capex to Revenue
0.02
Capex to Depreciation
1.61
Return on Invested Capital
0.08
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
1.42

Balance Sheet

Cash per Share
263,30
Book Value per Share
199,43
Tangible Book Value per Share
198.91
Shareholders Equity per Share
199.43
Interest Debt per Share
216.71
Debt to Equity
1.01
Debt to Assets
0.14
Net Debt to EBITDA
-2
Current Ratio
25.97
Tangible Asset Value
1,90 Bil.
Net Current Asset Value
-9,05 Bil.
Invested Capital
2578632000
Working Capital
2,44 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.3

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

P/F BankNordik Dividends
Year Dividends Growth
2008 5
2011 4 0%
2013 1 -300%
2014 2 0%
2015 2 50%
2016 2 0%
2017 24 91.67%
2018 4 -500%
2019 7 42.86%
2020 7 0%
2021 52 86.27%
2022 26 -96.15%
2023 26 0%
2024 8 -225%

P/F BankNordik Profile

About P/F BankNordik

P/F BankNordik, together with its subsidiaries, provides personal and corporate banking services in the Faroe Islands and Greenland. The company operates in two segments, Banking and Non-Life Insurance. It provides a range of property and casualty insurance products under the Trygd brand, and life insurance products under the NordikLív brand; and real estate agency services under the Skyn brand. P/F BankNordik was founded in 1906 and is headquartered in Tórshavn, Denmark.

CEO
Ms. Turio F. Arge
Employee
209
Address
Oknarvegur 5
Tórshavn, 110

P/F BankNordik Executives & BODs

P/F BankNordik Executives & BODs
# Name Age
1 Mr. Rune Norregaard
Head of Credit Services, Finance, Accounting, Treasury & IT
70
2 Ms. Arndis Poulsen
Chief Audit Executive
70
3 Ms. Turio F. Arge
Chief Executive Officer
70
4 Mr. Heini Thomsen
Executive Vice President
70
5 Arnhold Olsen
Chief Financial Officer
70
6 Mr. Cecil Weihe
Head of Accounting & Controlling
70
7 Runa N. Rasmussen
Head of Marketing & Investor Relations
70
8 Mr. Klaus Waidtløw
Head of Sales & Trading
70

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