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.
Skjern Bank A/S is a Denmark-based regional commercial bank established in 1906 and headquartered in Skjern. Operating as a universal bank, it provides a comprehensive range of financial products and services to private, corporate, institutional, and public customers, primarily in western and southwestern Jutland, including locations in Ribe, Bramming, Esbjerg, Varde, and Hellerup. Its offerings include current and savings accounts, debit and credit cards, consumer loans, car loans, overdraft facilities, mortgage loans, leasing, pension products, personal and travel insurance, real estate consulting, investment services, and advisory support, accessible through branches, online banking, and mobile applications. In 2024, Skjern Bank A/S ranked as the 26th largest bank in Denmark by total assets of 13,249.77 million DKK, reflecting 10.72% growth, with net income of 274.11 million DKK, a 2.17% return on assets, and 16.16% return on equity, underscoring its strong profitability and position among peers. Deposits up to 100,000 EUR per depositor are protected under Denmark's Finansiel Stabilitet scheme, and the bank maintains a robust capital ratio of 24.6%. Authorized by the Danish Financial Supervisory Authority, Skjern Bank A/S plays a vital role in supporting local economic activity through prudent lending growth and customer-focused services.
DKK 321.75
DKK 10.25 (-3.09%)
Price from 7 days ago
35.87% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 1.4%, essentially flat. This is a business that needs a catalyst.
Net income declined 10% YoY, profitability momentum has weakened.
12.6x 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
▲ +1.4% YoY
Net Income (TTM)
DKK 246M
▼ -10.1% YoY
Net Margin
35.87%
P/E
12.6x
Balance Sheet
Total Assets
DKK 15.77B
Equity
DKK 1.98B
Total Debt
DKK 76M
Cash & Equiv.
DKK 4.46B
3Y CAGR: +16.5%
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At a P/E of 12.6, Skjern Bank A/S (SKJE.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, Skjern Bank A/S scores 92/100 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.
Skjern Bank A/S scores 92 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 SKJE.XCSE's valuation and scores 92/100 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.