KRE.CO

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Kreditbanken A/S · Financial Services · Denmark · $252M · Avg Vol: $43K/d

Premium Grower: Strong business with the market behind it, but you are paying up for it.

76
StockRank
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Quality
53
Value
45
Momentum
71
P/E (TTM)
11.3x
peers 14.3x
ROE
12.4%
peers 12.0%
D/E
—
peers 0.3x
Dividend %
2.5%
trailing yield
AI CONVICTION THESIS

Kreditbanken has strong momentum at M71 but quality Q55 and value V54 both miss the all-three-above-60 path with no corroborating filing, so stage one fails.

The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.

ABOUT KREDITBANKEN A/S

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Kreditbanken A/S is a Danish regional bank providing retail and commercial banking services, including lending, asset management, and deposit products, primarily in Southern Jutland. The bank's competitive moat is rooted in its deep local relationships, conservative risk management, and high customer retention rates. It operates as a stable, community-focused regional financial institution with a strong capital adequacy ratio.

FINANCIAL SUMMARY (DKK)

Year20212022202320242025CAGRTTM
Revenue—196.5M351.8M364.1M369.7M23.4%362.2M
EPS (DKK)549.90258.50873.30827.90920.9013.8%882.91
Shares—0.2M0.2M0.2M0.2M0.0%0.2M
Debt———————
Equity—819.7M958.2M1.1B1.2B13.9%—
Op CF———————
Inv CF———————
Fin CF———————
Loading 1Y...
PRICE (1Y)+2.1%
1,4641,4911,5171,5441,57112 Aug3 Sep24 Sep
SMA 50SMA 200

Close
$1,509.57
RSI (14)
38.5
52W High
$1,570.56
From 52W High
-3.9%

SCORE BREAKDOWN

Quality
53
ROIC (ROA)
1.9%*55.3
ROE
12.4%62.2
GP/Assets
4.7%N/A
Op. Margin
52.9%73.1
FCF/Assets
bankN/A
Piotroski
1N/A
Int. Cover
—50.0
D/E Ratio
bankN/A
Current Ratio
bankN/A
Value
45
P/E (TTM)
11.3x58.3
EV/EBITDA
bankN/A
P/FCF
bankN/A
P/B
1.3x42.0
P/S
4.6x36.2
Div Yield
2.5%33.2
Momentum
71
52W High %
96%83.4
RS 6M
12%77.9
SMA 50/200
1.15x86.7
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
-5%23.2

FUNDAMENTALS

Market Cap
$252M
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of KRE.CO are excluded.

TickerCompanyMkt CapStockRankSignal
KRE.COKreditbanken A/S(you)$252M76Buy
FOBANK.COFøroya Banki$405M71Buy
DJUR.CODjurslands Bank A/S$438M85Strong Buy
LOLB.COLollands Bank A/S$143M89Strong Buy
FYNBK.COFynske Bank A/S$233M52Hold
SKJE.COSkjern Bank A/S$606M66Buy
SJF.COSJF Bank A/S$1.2B74Buy
MNBA.COMøns Bank A/S$122M42Hold
LASP.COLån & Spar Bank A/S$703M48Hold
DAB.CODanske Andelskassers Bank A/S$484M17Strong Sell

Peer medians: ROE 12.0% · P/E 14.3x · Gross margin 30.3%

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

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Kreditbanken A/S (KRE.CO): Stock Score Summary

Kreditbanken A/S (KRE.CO) has a MoatMap StockRank of 76/100 based on Quality (53/100), Value (45/100), and Momentum (71/100) factor scores. The current signal is BUY. Kreditbanken has strong momentum at M71 but quality Q55 and value V54 both miss the all-three-above-60 path with no corroborating filing, so stage one fails.

Kreditbanken A/S is a Danish regional bank providing retail and commercial banking services, including lending, asset management, and deposit products, primarily in Southern Jutland. The bank's competitive moat is rooted in its deep local relationships, conservative risk management, and high customer retention rates. It operates as a stable, community-focused regional financial institution with a strong capital adequacy ratio.

Key Financial Metrics

Price$2K
Market Cap$252M
P/E (TTM)11.29
Price/Book1.34
Return on Equity12.4%
Operating Margin52.9%
Revenue Growth-0.1%
Dividend Yield2.5%

Kreditbanken A/S operates in the Banks - Regional industry, part of the Financial Services sector (Denmark).

Frequently Asked Questions

What is Kreditbanken A/S’s (KRE.CO) StockRank?
MoatMap’s StockRank for Kreditbanken A/S (KRE.CO) is 76/100, with a Buy signal. It is a composite of Quality (53), Value (45), and Momentum (71) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Kreditbanken A/S have an economic moat?
Kreditbanken A/S (KRE.CO) has a Quality factor score of 53/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Kreditbanken A/S a buy, hold, or sell?
MoatMap’s current signal for Kreditbanken A/S (KRE.CO) is Buy, based on a StockRank of 76/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Kreditbanken A/S in?
Kreditbanken A/S (KRE.CO) operates in the Financial Services sector, specifically the Banks - Regional industry (Denmark).