SJF Bank A/S

SJF · CO · Financial Services / Banks - Regional

537.00DKK+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close537.00

Open535.00

Day Range533.00 – 541.00

52-Week Range297.50 – 496.00

Volume17.40K

Market Cap7.59B

P/E (TTM)13.60

Forward P/E7.82

EPS34.71

Dividend Yield2.32%

Beta0.35

50-Day Avg456.17

200-Day Avg378.99

About

SJF Bank A/S provides various banking products and services in Denmark. It provides savings, wealth, and other accounts; housing, car, and agriculture loans; insurance and pension products; investment services; leasing and consulting services; and private banking services, as well as online and mobile banking services. The company was formerly known as Sparekassen Sjælland-Fyn A/S and changed its name to SJF Bank A/S in May 2025. The company was founded in 1825 and is based in Holbæk, Denmark.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Lars Petersson
Employees577
HeadquartersIsefjords Alle 5, Holbæk, Denmark, 4300, Denmark
Websitehttps://www.sjfbank.dk

Leadership

Mr. Lars PeterssonChairman of the Executive Board, MD & CEO · b. 1967
Mr. Jan JustesenDeputy Director - Finance
Mr. Jan Mark Kolbye JensenSavings Bank Director & Member of Executive Board · b. 1964
Ms. Pia Moller BlæsbjergLegal Manager
Louise LohrCompliance Manager
Rikke ThomsenCommunications & Marketing Director
Ms. Bettina Theilgaard KrohnHR Director
Mr. Thomas SandalChief Internal Auditor
Mr. Lars MikkelsenCredit Director
Anette Hjort HansenChief Risk Officer & Risk Director

Financials

Income Statement

Currency: DKK	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	1.28B	1.58B	1.75B	1.79B
Growth (%)	-	+24.00%	+10.63%	+2.06%
Net Income	371.76M	558.42M	623.12M	611.59M
Net Income Margin	29.10%	35.25%	35.55%	34.19%
Interest Expense	10.75M	198.32M	279.52M	153.27M
Interest Expense % of Total Revenue	0.84%	12.52%	15.95%	8.57%

Balance Sheet

Currency: DKK	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	29.63B	31.70B	32.11B	35.25B
Total Liabilities	25.50B	27.27B	27.30B	30.11B
Total Equity	4.13B	4.43B	4.81B	5.14B
Cash	2.16B	2.80B	6.16B	5.15B
Net Debt	177.53M	373.97M	-	-

Cash Flow

Currency: DKK	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-	-	-653.95M	1.52B	2.95B	-126.72M
Capital Expenditure	0	0	152.09M	109.46M	136.48M	373.43M
Free Cash Flow	-	-	-806.04M	1.41B	2.81B	-500.14M
Dividends Paid	-	-	104.09M	103.64M	145.61M	182.45M
FCF to OCF	-	-	123.26%	92.81%	95.37%	394.70%
Dividend Paid to FCF	-	-	-12.91%	7.34%	5.17%	-36.48%

Earnings

Report Date	Oct 29, 2018	Feb 7, 2019	May 9, 2019	Aug 9, 2019	Nov 6, 2019	Feb 10, 2020	May 11, 2020	Aug 11, 2020	Nov 6, 2020	Feb 11, 2021	May 5, 2021	Aug 11, 2021	Nov 3, 2021	Feb 9, 2022	May 5, 2022	Aug 11, 2022	Nov 3, 2022	Feb 9, 2023	Nov 10, 2026
EPS Estimate	1.29	0.93	3.85	3.22	2.52	2.62	2.08	3.94	3.49	2.73	6.22	5.48	5.23	4.11	5.64	4.76	6.12	5.70	-
EPS Actual	3.53	1.47	3.80	2.80	2.20	2.90	2.20	2.00	4.50	3.10	8.00	6.00	5.40	5.00	4.40	6.00	5.80	5.10	-
Surprise	173.64%	58.06%	-1.30%	-13.04%	-12.70%	10.69%	5.77%	-49.24%	28.94%	13.55%	28.62%	9.49%	3.25%	21.65%	-21.99%	26.05%	-5.23%	-10.53%	-
Timing	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market

Key Statistics & Ratios

Market Cap7.59B

Enterprise Value4.75B

Trailing P/E13.60

Forward P/E7.82

Price / Sales4.25

Price / Book1.48

EPS34.71

Book Value298.48

Revenue (TTM)1.78B

Gross Profit (TTM)1.78B

Profit Margin34.51%

Operating Margin42.66%

Return on Equity12.13%

Return on Assets1.75%

Shares Outstanding16.07M

Shares Float14.56M

Beta0.35

Dividend Yield2.32%

Dividend Rate11.00

Payout Ratio31.70%

Dividends

20261×

11.00Mar 6, 2026

20251×

10.00Mar 7, 2025

20241×

8.00Mar 8, 2024

20221×

6.00Mar 11, 2022

20201×

3.00Mar 5, 2020

20191×

2.50Mar 8, 2019

20171×

3.05Apr 7, 2017

20161×

3.00Apr 15, 2016