Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Djurslands Bank A/S is a Denmark-based regional commercial bank founded in 1965 through the merger of three local banks with roots dating back to 1906. Headquartered in Grenaa on the Djursland peninsula in eastern Jutland, it operates as a full-service institution primarily serving private customers, small and medium-sized enterprises (SMEs), and public institutions in the Djursland and Aarhus areas. The bank provides a comprehensive range of banking products and financial services, including loans, mortgages, pension funds, insurance, leasing, financing solutions for clinics, practices, properties, and agriculture, as well as currency exchange, payment services, debit and credit cards, investment advisory, and wealth management. Digital offerings feature online and mobile banking platforms like NetBank for individuals and NetBank Erhverv for businesses, supported by approximately 16 branches across the region. With around 241-250 employees and over 22,300 shareholders predominantly from its customer base, Djurslands Bank A/S plays a vital role in fostering local economic stability and community financial needs within Denmark's regional banking sector.
DKK 974.00
+DKK 6.00 (+0.62%)
Price from 6 days ago
36.41% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 2.2%, essentially flat. This is a business that needs a catalyst.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
10.6x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
DKK 687M
▲ +2.2% YoY
Net Income (TTM)
DKK 248M
▲ +1.1% YoY
Net Margin
36.09%
P/E
10.6x
Balance Sheet
Total Assets
DKK 16.98B
Equity
DKK 1.92B
Total Debt
DKK 299M
Cash & Equiv.
DKK 1.55B
3Y CAGR: +14.5%
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At a P/E of 10.6, Djurslands Bank A/S (DJUR.XCSE)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Djurslands Bank A/S scores 90/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
Djurslands Bank A/S scores 90 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. you should weigh DJUR.XCSE's valuation and scores 90/100 on quality (high-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.