Vestjysk Bank A/S Logo

Vestjysk Bank A/S

VJBA.CO

(2.0)
Stock Price

4,13 DKK

2.22% ROA

15.71% ROE

5.02x PER

Market Cap.

5.155.599.460,00 DKK

47.96% DER

10.04% Yield

41.7% NPM

Vestjysk Bank A/S Stock Analysis

Vestjysk Bank A/S 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.

Vestjysk Bank A/S Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.83x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a low debt to equity ratio (35%), which means it has a small amount of debt compared to the ownership it holds

3 ROE

ROE in an average range (13.93%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (1.95%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

6 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (15), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

7 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

8 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

9 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

Vestjysk Bank A/S 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.

Vestjysk Bank A/S Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Vestjysk Bank A/S 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.

Vestjysk Bank A/S Revenue
Year Revenue Growth
2002 435.405
2003 452.286 3.73%
2004 478.655 5.51%
2005 582.656.000 99.92%
2006 649.082.000 10.23%
2007 641.865.000 -1.12%
2008 917.162.000 30.02%
2009 1.227.562.000 25.29%
2010 1.110.561.000 -10.54%
2011 1.066.632.000 -4.12%
2012 1.257.527.000 15.18%
2013 1.165.966.000 -7.85%
2014 1.052.206.000 -10.81%
2015 986.614.000 -6.65%
2016 1.002.776.000 1.61%
2017 945.139.000 -6.1%
2018 908.448.000 -4.04%
2019 1.055.660.000 13.95%
2020 886.593.000 -19.07%
2021 2.015.534.000 56.01%
2022 1.426.633.000 -41.28%
2023 2.150.304.000 33.65%
2023 2.181.941.000 1.45%
2024 2.633.628.000 17.15%

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.

Vestjysk Bank A/S Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 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.

Vestjysk Bank A/S General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 261.614
2003 263.781 0.82%
2004 291.564 9.53%
2005 118.000.000 99.75%
2006 123.599.000 4.53%
2007 131.403.000 5.94%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 233.587.000 100%
2013 204.968.000 -13.96%
2014 188.440.000 -8.77%
2015 176.699.000 -6.64%
2016 177.299.000 0.34%
2017 174.903.000 -1.37%
2018 147.858.000 -18.29%
2019 180.598.000 18.13%
2020 193.868.000 6.84%
2021 467.296.000 58.51%
2022 363.938.000 -28.4%
2023 0 0%
2023 368.443.000 100%
2024 411.180.000 10.39%

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.

Vestjysk Bank A/S EBITDA
Year EBITDA Growth
2002 220.747
2003 290.138 23.92%
2004 247.079 -17.43%
2005 402.598.000 99.94%
2006 588.583.000 31.6%
2007 842.044.000 30.1%
2008 1.152.490.000 26.94%
2009 879.640.000 -31.02%
2010 739.451.000 -18.96%
2011 137.465.000 -437.92%
2012 -199.046.000 169.06%
2013 93.901.000 311.97%
2014 183.524.000 48.83%
2015 307.481.000 40.31%
2016 278.034.000 -10.59%
2017 289.850.000 4.08%
2018 312.970.000 7.39%
2019 512.249.000 38.9%
2020 345.273.000 -48.36%
2021 1.005.746.000 65.67%
2022 648.506.000 -55.09%
2023 1.345.224.000 51.79%
2023 1.430.095.000 5.93%
2024 -12.644.000 11410.46%

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.

Vestjysk Bank A/S Gross Profit
Year Gross Profit Growth
2002 435.405
2003 452.286 3.73%
2004 478.655 5.51%
2005 582.656.000 99.92%
2006 649.082.000 10.23%
2007 641.865.000 -1.12%
2008 917.162.000 30.02%
2009 1.227.562.000 25.29%
2010 1.110.561.000 -10.54%
2011 1.066.632.000 -4.12%
2012 1.257.527.000 15.18%
2013 1.165.966.000 -7.85%
2014 1.052.206.000 -10.81%
2015 986.614.000 -6.65%
2016 1.002.776.000 1.61%
2017 945.139.000 -6.1%
2018 908.448.000 -4.04%
2019 1.055.660.000 13.95%
2020 886.593.000 -19.07%
2021 2.015.534.000 56.01%
2022 1.426.633.000 -41.28%
2023 2.150.304.000 33.65%
2023 2.181.941.000 1.45%
2024 2.633.628.000 17.15%

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.

Vestjysk Bank A/S Net Profit
Year Net Profit Growth
2002 143.830
2003 294.459 51.15%
2004 247.404 -19.02%
2005 178.241.000 99.86%
2006 238.956.000 25.41%
2007 222.299.000 -7.49%
2008 258.401.000 13.97%
2009 -65.155.000 496.59%
2010 5.978.000 1189.91%
2011 -422.636.000 101.41%
2012 -1.448.524.000 70.82%
2013 -962.691.000 -50.47%
2014 -555.616.000 -73.27%
2015 49.423.000 1224.21%
2016 79.848.000 38.1%
2017 163.156.000 51.06%
2018 296.154.000 44.91%
2019 477.745.000 38.01%
2020 302.551.000 -57.91%
2021 1.079.786.000 71.98%
2022 543.073.000 -98.83%
2023 894.580.000 39.29%
2023 1.035.396.000 13.6%
2024 773.148.000 -33.92%

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.

Vestjysk Bank A/S Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 0 0%
2005 3 100%
2006 5 25%
2007 4 0%
2008 4 -33.33%
2009 -1 0%
2010 0 0%
2011 -6 100%
2012 -5 0%
2013 -3 -150%
2014 -1 -100%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 1 0%
2020 0 0%
2021 1 100%
2022 0 0%
2023 1 0%
2023 1 0%
2024 1 0%

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.

Vestjysk Bank A/S Free Cashflow
Year Free Cashflow Growth
2002 354.525
2003 -270.153 231.23%
2004 471.756 157.27%
2009 -618.007.000 100.08%
2010 206.922.000 398.67%
2011 -271.994.000 176.08%
2012 -315.824.000 13.88%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 59.094.000 100%
2020 34.978.000 -68.95%
2021 103.356.000 66.16%
2022 70.808.000 -45.97%
2023 104.798.000 32.43%
2024 0 0%

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.

Vestjysk Bank A/S Operating Cashflow
Year Operating Cashflow Growth
2002 363.045
2003 -264.293 237.36%
2004 535.840 149.32%
2009 -517.332.000 100.1%
2010 217.727.000 337.61%
2011 -251.922.000 186.43%
2012 -305.459.000 17.53%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 59.094.000 100%
2020 34.978.000 -68.95%
2021 103.356.000 66.16%
2022 70.808.000 -45.97%
2023 104.798.000 32.43%
2024 0 0%

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.

Vestjysk Bank A/S Capital Expenditure
Year Capital Expenditure Growth
2002 8.520
2003 5.860 -45.39%
2004 64.084 90.86%
2009 100.675.000 99.94%
2010 10.805.000 -831.74%
2011 20.072.000 46.17%
2012 10.365.000 -93.65%
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%
2024 0 0%

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.

Vestjysk Bank A/S Equity
Year Equity Growth
2002 1.050.561.000
2003 1.178.681.000 10.87%
2004 1.299.437.000 9.29%
2005 1.403.632.000 7.42%
2006 1.656.070.000 15.24%
2007 1.714.041.000 3.38%
2008 2.200.221.000 22.1%
2009 2.129.853.000 -3.3%
2010 2.171.026.000 1.9%
2011 1.733.337.000 -25.25%
2012 991.655.000 -74.79%
2013 887.019.000 -11.8%
2014 1.287.142.000 31.09%
2015 1.403.734.000 8.31%
2016 1.486.872.000 5.59%
2017 2.515.332.000 40.89%
2018 2.588.823.000 2.84%
2019 2.956.167.000 12.43%
2020 3.244.896.000 8.9%
2021 5.396.432.000 39.87%
2022 5.918.063.000 8.81%
2023 6.609.861.000 10.47%
2023 6.958.752.000 5.01%
2024 6.358.765.000 -9.44%

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.

Vestjysk Bank A/S Assets
Year Assets Growth
2002 7.431.155.000
2003 7.892.418.000 5.84%
2004 9.098.098.000 13.25%
2005 11.424.953.000 20.37%
2006 14.300.356.000 20.11%
2007 18.513.230.000 22.76%
2008 32.215.933.000 42.53%
2009 32.812.522.000 1.82%
2010 33.576.619.000 2.28%
2011 29.280.199.000 -14.67%
2012 32.765.477.000 10.64%
2013 26.112.237.000 -25.48%
2014 21.803.562.000 -19.76%
2015 21.114.056.000 -3.27%
2016 19.894.640.000 -6.13%
2017 21.902.400.000 9.17%
2018 21.198.212.000 -3.32%
2019 22.191.899.000 4.48%
2020 23.105.052.000 3.95%
2021 43.309.983.000 46.65%
2022 41.953.297.000 -3.23%
2023 43.052.259.000 2.55%
2023 44.437.318.000 3.12%
2024 46.304.560.000 4.03%

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.

Vestjysk Bank A/S Liabilities
Year Liabilities Growth
2002 6.380.594.000
2003 6.713.737.000 4.96%
2004 7.798.661.000 13.91%
2005 10.021.321.000 22.18%
2006 12.644.286.000 20.74%
2007 16.799.189.000 24.73%
2008 30.015.712.000 44.03%
2009 30.682.669.000 2.17%
2010 31.405.593.000 2.3%
2011 27.546.862.000 -14.01%
2012 31.773.822.000 13.3%
2013 25.225.218.000 -25.96%
2014 20.516.420.000 -22.95%
2015 19.710.322.000 -4.09%
2016 18.407.768.000 -7.08%
2017 19.387.068.000 5.05%
2018 18.609.389.000 -4.18%
2019 19.235.732.000 3.26%
2020 19.860.156.000 3.14%
2021 37.913.551.000 47.62%
2022 36.035.234.000 -5.21%
2023 36.442.398.000 1.12%
2023 37.478.566.000 2.76%
2024 39.945.795.000 6.18%

Vestjysk Bank A/S Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.99
Net Income per Share
0.83
Price to Earning Ratio
5.02x
Price To Sales Ratio
2.1x
POCF Ratio
92.67
PFCF Ratio
92.67
Price to Book Ratio
0.81
EV to Sales
1.99
EV Over EBITDA
6.01
EV to Operating CashFlow
88.05
EV to FreeCashFlow
88.05
Earnings Yield
0.2
FreeCashFlow Yield
0.01
Market Cap
5,16 Bil.
Enterprise Value
4,90 Bil.
Graham Number
9.82
Graham NetNet
-33.68

Income Statement Metrics

Net Income per Share
0.83
Income Quality
0.05
ROE
0.16
Return On Assets
0.02
Return On Capital Employed
0.02
Net Income per EBT
0.74
EBT Per Ebit
1.79
Ebit per Revenue
0.32
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.12
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.32
Pretax Profit Margin
0.57
Net Profit Margin
0.42

Dividends

Dividend Yield
0.1
Dividend Yield %
10.04
Payout Ratio
0
Dividend Per Share
0.42

Operating Metrics

Operating Cashflow per Share
0.05
Free CashFlow per Share
0.05
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.06
Return on Tangible Assets
0.02
Days Sales Outstanding
6.27
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
58.2
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-2,59
Book Value per Share
5,16
Tangible Book Value per Share
5.09
Shareholders Equity per Share
5.16
Interest Debt per Share
2.78
Debt to Equity
0.48
Debt to Assets
0.07
Net Debt to EBITDA
-0.32
Current Ratio
569.7
Tangible Asset Value
6,28 Bil.
Net Current Asset Value
-36,65 Bil.
Invested Capital
3657500000
Working Capital
3,29 Bil.
Intangibles to Total Assets
0
Average Receivables
0,04 Bil.
Average Payables
0,00 Bil.
Average Inventory
298405500
Debt to Market Cap
0.59

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.

Vestjysk Bank A/S Dividends
Year Dividends Growth
2003 3
2004 13 75%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2023 0 0%
2024 0 0%

Vestjysk Bank A/S Profile

About Vestjysk Bank A/S

Vestjysk Bank A/S provides banking products and services for private and business customers in Jutland, Denmark. The company accepts deposits. It also offers lending and financing for real estate, agriculture, fisheries, renewable Energy, private banking, and large customers. The company was incorporated in 1925 and is based in Herning, Denmark. Vestjysk Bank A/S is a subsidiary of A/S Arbejdernes Landsbank.

CEO
Admiral Peter Hupfeld
Employee
630
Address
Industrivej Syd 13c
Herning, 7400

Vestjysk Bank A/S Executives & BODs

Vestjysk Bank A/S Executives & BODs
# Name Age
1 Mr. Michael Nelander Petersen
MD & Member of Executive Board
70
2 Admiral Peter Hupfeld
Chief Executive Officer & Member of Executive Board
70
3 Mikael Flohr Hansen
Chief Audit Executive
70

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