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Hvidbjerg Bank

Hvidbjerg Bank

HVID · CO · Financial Services / Banks - Regional

193.00DKK-4.00 (-2.03%)

Price History

Full chart

Market Stats

Previous Close197.00
Open190.00
Day Range188.50 – 197.00
52-Week Range158.00 – 238.00
Volume998
Market Cap305.79M
P/E (TTM)2.07
Forward P/E0.00
EPS87.72
Dividend Yield0.00%
Beta0.18
50-Day Avg182.80
200-Day Avg191.03

About

Hvidbjerg Bank A/S provides various banking products and services to private and business customers in Denmark. The company offers various accounts; debit cards; car and motorcycle loans, consumer loans, and housing financing; and self-service, payment card, travel currency, signature room, protected email, electronic payment, and mobile banking 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 and sales, renovation and extension, new construction, housing financing, cooperative housing, mortgage broker, and energy renovation. Hvidbjerg Bank A/S was founded in 1912 and is headquartered in Thyholm, Denmark.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Jens Odgaard
  • Employees70
  • HeadquartersØstergade 2, Thyholm, Denmark, 7790, Denmark
  • Websitehttps://www.hvidbjergbank.dk

Leadership

  • Mr. Jens OdgaardChief Executive Officer · b. 1968
  • Mr. Mogens Dahl NielsenChief Financial Officer
  • Mr. Torben Bjorn-StrungeInvestment & Risk Manager
  • Ms. Bente VilladsenHR & Administration Staff
  • Mr. Stephen HarpothHR Manager
  • Mr. Allan Dam SorensenCredit Manager
  • Mr. Mads Nygaard ChristensenBusiness Controller
  • Ms. Mille Heick HundahlCompany Secretary

Financials

Income Statement

Currency: DKK2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue33.88M35.92M34.06M40.58M33.85M36.08M40.06M53.14M66.15M67.04M63.64M68.66M71.12M72.30M72.67M71.36M70.83M71.88M77.12M92.58M81.63M88.47M106.96M139.97M154.43M148.15M
Growth (%)-+6.03%-5.20%+19.16%-16.60%+6.60%+11.03%+32.66%+24.48%+1.34%-5.07%+7.88%+3.59%+1.66%+0.51%-1.80%-0.74%+1.48%+7.30%+20.05%-11.83%+8.38%+20.90%+30.86%+10.34%-4.07%
Cost of Revenue-------15.61M-14.67M10.79M13.19M9.74M6.72M6.09M4.64M2.90M1.75M2.41M1.95M-287.00K-2.15M-624.00K10.77M18.61M12.97M
Gross Profit-------37.54M-52.37M52.85M55.47M61.38M65.58M66.58M66.72M67.94M70.13M74.72M90.63M81.92M90.62M107.58M129.20M135.82M135.18M
Gross Margin-------70.63%-78.11%83.05%80.79%86.31%90.70%91.61%93.49%95.91%97.56%96.88%97.89%100.35%102.43%100.58%92.31%87.95%91.25%
Operating Expense-------32.25M-50.83M63.33M64.59M71.74M73.22M55.81M52.71M53.24M52.46M54.42M58.33M63.31M61.38M75.96M85.30M90.18M98.36M
Operating Income7.67M7.04M7.25M13.53M8.09M8.72M10.29M5.29M25.41M1.54M-10.48M-9.12M-10.35M-7.64M10.77M14.01M14.70M17.67M20.30M32.30M18.60M29.24M31.63M43.90M45.64M36.82M
Operating Margin22.65%19.61%21.28%33.33%23.91%24.17%25.69%9.96%38.40%2.29%-16.46%-13.28%-14.56%-10.57%14.82%19.63%20.75%24.58%26.32%34.89%22.79%33.05%29.57%31.37%29.56%24.85%
EBITDA-------6.72M-3.21M-8.83M-6.78M-9.52M-6.72M11.37M14.70M15.35M18.24M20.98M33.15M20.05M28.79M34.39M45.24M47.10M38.68M
EBITDA Margin-------12.65%-4.78%-13.87%-9.88%-13.39%-9.29%15.64%20.60%21.68%25.38%27.21%35.80%24.57%32.54%32.15%32.32%30.50%26.11%
Net Income4.74M4.34M4.57M10.85M5.36M5.49M-4.51M1.84M1.25M-7.89M-7.17M-14.52M-7.64M10.77M17.55M11.42M14.02M16.52M27.23M14.73M23.74M25.17M33.63M34.48M29.75M
Net Income Margin13.99%12.08%13.42%26.74%15.82%15.23%-8.49%2.79%1.87%-12.40%-10.45%-20.41%-10.57%14.82%24.59%16.12%19.50%21.42%29.41%18.05%26.84%23.53%24.03%22.33%20.08%
Interest Expense000000015.61M014.67M10.79M13.19M9.74M6.72M6.09M4.64M2.90M1.75M2.41M1.95M287.00K2.15M624.00K10.77M18.61M8.27M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%29.37%0.00%21.89%16.95%19.21%13.69%9.30%8.39%6.51%4.09%2.44%3.12%2.11%0.35%2.43%0.58%7.69%12.05%5.58%

Balance Sheet

Currency: DKK2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets353.13M391.38M420.46M472.38M500.06M530.83M548.78M779.55M823.59M905.22M1.02B946.11M988.87M912.53M939.52M954.59M1.03B1.15B1.20B1.29B1.48B1.57B1.74B2.05B2.30B2.56B
Total Liabilities314.36M349.32M368.62M411.19M434.56M462.21M473.98M700.85M743.71M823.32M946.22M879.44M912.91M843.99M843.48M843.42M912.47M1.02B1.06B1.13B1.30B1.38B1.52B1.80B2.02B2.27B
Total Equity38.77M42.06M51.84M61.20M65.50M68.62M74.80M78.70M79.88M81.89M73.60M66.67M75.95M68.54M96.03M111.17M121.00M133.42M137.02M160.24M174.00M196.76M220.96M253.43M286.46M296.63M
Cash37.23M38.82M50.91M65.78M57.11M69.72M54.64M85.32M127.24M167.45M133.69M115.54M187.34M116.62M170.89M211.05M151.80M129.40M134.18M151.98M427.79M375.48M437.69M546.56M665.02M494.76M
Total Debt-------35.00M-35.00M35.00M109.95M25.00M19.10M19.14M30.00M20.00M19.75M19.78M23.81M23.84M43.74M54.57M54.68M54.80M79.32M
Net Debt--------50.32M--132.45M-98.69M-5.59M-162.34M-97.52M-151.75M-211.05M-151.80M-109.64M-114.40M-128.17M-403.95M-331.74M-383.12M-491.88M-610.22M-415.44M

Cash Flow

Currency: DKK2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312007-12-312008-12-312009-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow----------------1.69M2.90M-898.00K5.52M2.68M--
Capital Expenditure00000000000000000000000
Free Cash Flow----------------1.69M2.90M-898.00K5.52M2.68M--
FCF to OCF----------------100.00%100.00%100.00%100.00%100.00%--

Earnings

Report DateMar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Aug 16, 2016Nov 8, 2016Feb 28, 2017May 9, 2017Aug 15, 2017Sep 30, 2017Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Jun 30, 2020Sep 30, 2020Dec 31, 2020May 5, 2021Jun 30, 2021Sep 30, 2021Dec 31, 2021Mar 31, 2022Jun 30, 2022Sep 30, 2022Dec 31, 2022Mar 31, 2023Jun 30, 2023Sep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
EPS Estimate--------------------------------------------------------------
EPS Actual0.590.56-0.440.580.89-3.911.22-6.51-4.95-1.57-7.812.472.340.422.401.131.031.812.091.385.191.231.372.341.172.472.332.832.991.832.971.553.103.586.642.752.861.631.891.813.562.773.453.774.473.942.793.203.814.235.345.955.254.105.572.735.343.854.333.464.375.01
Surprise--------------------------------------------------------------
Timing----------------------Pre-marketPre-marketAfter-hoursAfter-hoursPre-market-----------------------------------

Key Statistics & Ratios

Market Cap305.79M
Enterprise Value-109.07M
Trailing P/E2.07
Forward P/E0.00
PEG Ratio0.00
Price / Sales2.21
Price / Book0.94
EPS87.72
Book Value185.93
Revenue (TTM)138.49M
Gross Profit (TTM)138.49M
Profit Margin21.69%
Operating Margin30.28%
Return on Equity9.61%
Return on Assets1.19%
Shares Outstanding1.68M
Shares Float1.55M
Beta0.18
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Dividends

20251×
2.00Mar 20, 2025
20081×
1.08Mar 6, 2008
20071×
1.08Mar 8, 2007
20061×
1.08Mar 2, 2006
20051×
1.08Mar 3, 2005
20041×
1.55Mar 4, 2004
20031×
1.08Mar 6, 2003
20021×
1.08Mar 7, 2002
20011×
1.08Mar 8, 2001
20001×
1.08Mar 9, 2000
19971×
1.08Mar 13, 1997
19961×
1.55Feb 29, 1996
19951×
0.77Feb 23, 1995
19941×
0.77Feb 24, 1994

Stock Splits

  • Apr 27, 2012379:293
  • Apr 15, 20085:1