SJF.CO

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SJF Bank A/S · Financial Services · Denmark · $1.2B · Avg Vol: $1M/d

Hot Air: Rising on momentum alone: weak business, rich price.

74
StockRank
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Quality
47
Value
37
Momentum
83
P/E (TTM)
13.7x
peers 14.3x
ROE
12.1%
peers 12.0%
D/E
0.5x
peers 0.2x
Dividend %
2.3%
trailing yield
Director trades · 180d
None →
Buybacks · 180d
None →
AI CONVICTION THESIS

Insufficient evidence for a screen-pass. SJF Bank A/S: fails the quant gate on quality, value (Q47/V39/M80; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.

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

ABOUT SJF BANK A/S

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Sparekassen Sjælland-Fyn A/S (SJF Bank) is a Danish regional bank providing retail and commercial banking services to individuals and small-to-medium enterprises (SMEs) across Zealand and Funen. The bank maintains a competitive advantage through its deeply rooted local presence, relationship-driven advisory model, and conservative credit risk profile. SJF Bank focuses on digital efficiency combined with local physical branches to secure high customer loyalty and stable net interest margins.

FINANCIAL SUMMARY (DKK)

Year20212022202320242025CAGRTTM
Revenue—1.3B1.6B1.8B1.8B11.9%1.8B
EPS (DKK)24.3020.0029.4033.4034.008.8%34.95
Shares—17.3M17.0M16.6M16.2M-6.2%16.1M
Debt—2.4B3.2B2.3B2.8B5.5%2.2B
Equity—4.1B4.4B4.8B5.1B7.6%—
Op CF—-653.9M1.5B3.0B-126.7M93.9%-3.4B
Inv CF—-146.2M-121.9M-104.4M-340.3M——
Fin CF—-88.5M-79.5M-326.8M-222.1M——
Loading 1Y...
PRICE (1Y)+9.7%
66.0267.9569.8771.8073.7212 Aug3 Sep24 Sep
SMA 50SMA 200

Close
$73.42
RSI (14)
55.6
52W High
$74.33
From 52W High
-1.2%

SCORE BREAKDOWN

Quality
47
ROIC (ROA)
1.8%*53.0
ROE
12.1%60.3
GP/Assets
5.1%N/A
Op. Margin
42.7%61.0
FCF/Assets
-1.4%N/A
Piotroski
29.0
Int. Cover
—50.0
D/E Ratio
0.54xN/A
Current Ratio
bankN/A
Value
37
P/E (TTM)
13.7x43.0
EV/EBITDA
bankN/A
P/FCF
bankN/A
P/B
1.6x33.6
P/S
4.3x39.7
Div Yield
2.3%29.1
Momentum
83
52W High %
99%94.3
RS 6M
53%97.1
SMA 50/200
1.21x94.6
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
1%26.7

FUNDAMENTALS

Market Cap
$1.2B
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

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

TickerCompanyMkt CapStockRankSignal
SJF.COSJF Bank A/S(you)$1.2B74Buy
SKJE.COSkjern Bank A/S$606M66Buy
FOBANK.COFøroya Banki$405M71Buy
DJUR.CODjurslands Bank A/S$438M85Strong Buy
KRE.COKreditbanken A/S$252M76Buy
LASP.COLån & Spar Bank A/S$703M48Hold
JYSK.COJyske Bank A/S$9.4B62Hold
FYNBK.COFynske Bank A/S$233M52Hold
RILBA.CORingkjøbing Landbobank A/S$6.6B54Hold
ALSYDB.COAL Sydbank A/S$9.1B58Hold

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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SJF Bank A/S (SJF.CO): Stock Score Summary

SJF Bank A/S (SJF.CO) has a MoatMap StockRank of 74/100 based on Quality (47/100), Value (37/100), and Momentum (83/100) factor scores. The current signal is BUY. Insufficient evidence for a screen-pass. SJF Bank A/S: fails the quant gate on quality, value (Q47/V39/M80; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.

Sparekassen Sjælland-Fyn A/S (SJF Bank) is a Danish regional bank providing retail and commercial banking services to individuals and small-to-medium enterprises (SMEs) across Zealand and Funen. The bank maintains a competitive advantage through its deeply rooted local presence, relationship-driven advisory model, and conservative credit risk profile. SJF Bank focuses on digital efficiency combined with local physical branches to secure high customer loyalty and stable net interest margins.

Key Financial Metrics

Price$73.42
Market Cap$1.2B
P/E (TTM)13.72
Price/Book1.60
Return on Equity12.1%
Debt/Equity0.54x
Operating Margin42.7%
Revenue Growth7.2%
Dividend Yield2.3%
Free Cash Flow$-76M

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

Frequently Asked Questions

What is SJF Bank A/S’s (SJF.CO) StockRank?
MoatMap’s StockRank for SJF Bank A/S (SJF.CO) is 74/100, with a Buy signal. It is a composite of Quality (47), Value (37), and Momentum (83) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does SJF Bank A/S have an economic moat?
SJF Bank A/S (SJF.CO) has a Quality factor score of 47/100. 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 SJF Bank A/S a buy, hold, or sell?
MoatMap’s current signal for SJF Bank A/S (SJF.CO) is Buy, based on a StockRank of 74/100. 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 SJF Bank A/S in?
SJF Bank A/S (SJF.CO) operates in the Financial Services sector, specifically the Banks - Regional industry (Denmark).
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