KRE.CO
BuyPremium GrowerAI neutralKreditbanken A/S · Financial Services · Denmark · $252M
DKK 9,800.00 +0.0% · close 5 Oct · scored 7 Oct
Premium Grower: Strong business with the market behind it, priced at a premium.
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Kreditbanken is a small regional Danish bank based in southern Jutland. Higher-for-longer rates support net interest income, but it is a local lender without a distinctive scale advantage, and there is little specific information on its loan book or growth plans.
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)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | — | 196.5M | 351.8M | 364.1M | 369.7M | 23.4% | 360.1M |
| EPS (DKK) | 549.90 | 258.50 | 873.30 | 827.90 | 920.90 | 13.8% | 877.80 |
| Shares | — | 0.2M | 0.2M | 0.2M | 0.2M | 0.0% | 0.2M |
| Debt | — | — | — | — | — | — | — |
| Equity | — | 819.7M | 958.2M | 1.1B | 1.2B | 13.9% | — |
| Op CF | — | — | — | — | — | — | — |
| Inv CF | — | — | — | — | — | — | — |
| Fin CF | — | — | — | — | — | — | — |
Calmer than 94% of stocks we rank over the past year (18% a year).
How this is worked out
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of KRE.CO are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| KRE.CO | Kreditbanken A/S(you) | $252M | 76 | Buy |
| DJUR.CO | Djurslands Bank A/S | $438M | 82 | Strong Buy |
| SKJE.CO | Skjern Bank A/S | $606M | 73 | Buy |
| FOBANK.CO | Føroya Banki | $405M | 62 | Hold |
| LOLB.CO | Lollands Bank A/S | $143M | 90 | Strong Buy |
| FYNBK.CO | Fynske Bank A/S | $233M | 52 | Hold |
| SJF.CO | SJF Bank A/S | $1.2B | 71 | Buy |
| LASP.CO | Lån & Spar Bank A/S | $703M | 47 | Hold |
| MNBA.CO | Møns Bank A/S | $122M | 41 | Hold |
| DAB.CO | Danske Andelskassers Bank A/S | $484M | 17 | Strong Sell |
Peer medians: ROE 12.0% · P/E 13.9x · Gross margin 30.3%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.