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Danish regional savings bank serving retail and business customers across Zealand and Funen.
Danish regional savings bank serving retail and business customers across Zealand and Funen.
Earns mainly the gap between interest on loans and deposits, with fee income from arranging mortgages through partner credit institutions and from savings and insurance products. As a regional Danish bank, its results follow local housing activity and lending demand.
Moat: narrow (distribution, brand). Long-standing local branch network and customer relationships in its regional Danish footprint.
Headquarters: Holbaek, Denmark · Founded: 1825 · Employees: 579
Size SJF Bank A/S (SJF.CO) is a Denmark Financials company (Regional Banks) with a market value of $1.22B, the 41st largest of 59 Denmark companies the cockpit tracks. Shares closed at DKK 510.00 on 6 Nov 2026.
Performance Over six months the shares gained 60.4%, against +7.3% for the median peer and +8.8% for the Denmark market (cap-weighted) — highest of 21 in its peer set.
Growth Revenue fell 1.6% over the last twelve months (peer median +12.1%); the operating margin is 43.6% (peer median 36.0%).
Valuation It trades at 1.71× book value against a peer median of 1.18× (5th most expensive of 21).
Price implies The share price implies a return on equity of about 6.1%; SJF Bank A/S delivers 12.0%, so the price asks less than the business earns today.
Next results Next results expected around 3 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | DKK 1.98B | DKK 1.96B | DKK 2.05B | DKK 1.81B | DKK 1.29B |
| Revenue growth | — | -4% | +13% | +40% | — |
| Net income | DKK 562M | DKK 557M | DKK 563M | DKK 505M | DKK 346M |
| Free cash flow | DKK 426M | DKK 338M | DKK 409M | DKK 517M | DKK 446M |
| Capital expenditure | DKK 256M | DKK 373M | DKK 136M | DKK 109M | DKK 152M |
| Total debt | DKK 2.63B | DKK 3.19B | DKK 2.75B | DKK 3.61B | DKK 2.88B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| SJF Bank A/S SJF.CO | $1.22B | +60% | -2% | 12% | 1.71× | 6.1% |
| Danske Bank A/S DANSKE.CO | $42.4B | +11% | +8% | 14% | 1.68× | 6.1% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | SJF.CO | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +10.9% | -2.1% | highest of 21 |
| 6-month return | +60.4% | +7.3% | highest of 21 |
| Return on equity | 12.0% | 11.3% | 10th highest of 21 |
| Price / book | 1.71× | 1.18× | 5th most expensive of 21 |
| Trailing P/E | 14.7× | 11.4× | 2nd most expensive of 21 |
| ROE the price implies | 6.1% | 9.9% | 3rd least demanding of 21 |
| ROE delivered | 12.0% | 11.3% | 10th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| SJF Bank A/S SJF.CO | Denmark | $1.22B | +60% | -2% | 12% | 1.71× | 6.1% | 12.0% |
| Preferred Bank PFBC | United States | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% | 16.9% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | India | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% | 16.6% |
| Community Trust Bancorp CTBI | United States | $1.26B | +4% | +8% | 13% | 1.43× | 9.8% | 12.9% |
| Oita Bank 8392.T | Japan | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% | 4.7% |
| Metropolitan Bank MCB | United States | $1.17B | +5% | +12% | 13% | 1.20× | 11.3% | 13.1% |
| Karnataka Bank KTKBANK.NS | India | $1.28B | +20% | +3% | 12% | 0.87× | 12.6% | 11.7% |
| Miyazaki Bank 8393.T | Japan | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% | 7.0% |
| Heritage Financial HFWA | United States | $1.15B | +3% | +22% | 8% | 1.06× | 7.8% | 7.8% |
| Zhongyuan Bank 1216.HK | Hong Kong | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% | 3.6% |
| TOMONY 8600.T | Japan | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% | 5.9% |
| First Bank of Toyama 7184.T | Japan | $1.12B | +10% | +14% | 10% | 0.90× | 7.9% | 10.2% |
| HBT Financial HBT | United States | $1.35B | +30% | +23% | 13% | 1.78× | 10.1% | 13.2% |
| First Mid Bancshares FMBH | United States | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% | 10.9% |
| Univest Financial UVSP | United States | $1.10B | +4% | +2% | 10% | 1.16× | 9.1% | 10.0% |
| Five Star Bancorp FSBC | United States | $1.08B | +6% | +18% | 15% | 1.75× | 10.4% | 14.8% |
| Westamerica Bancorporation WABC | United States | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% | 12.9% |
| Northeast Bank NBN | United States | $1.08B | +1% | +9% | 20% | 1.72× | 11.8% | 20.0% |
| Tamilnad Mercantile Bank TMB.NS | India | $1.39B | +11% | +18% | 16% | 1.22× | 14.6% | 15.6% |
| San ju San Financial 7322.T | Japan | $1.08B | +1% | +23% | 5% | 0.72× | 6.9% | 5.4% |
| Peoples Bancorp PEBO | United States | $1.39B | +12% | 0% | 10% | 1.13× | 8.5% | 10.0% |