2025 Q4 -tulosraportti
85 päivää sitten
‧31 min
3,50 DKK/osake
Viimeisin osinko
1,16%Tuotto/v
Tarjoustasot
Nasdaq Copenhagen
Määrä
Osto
-
Myynti
Määrä
-
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| 15 | - | - | ||
| 15 | - | - | ||
| 35 | - | - | ||
| 10 | - | - | ||
| 40 | - | - |
Välittäjätilasto
Dataa ei löytynyt
Yhtiötapahtumat
Datan lähde: FactSet, Quartr| Seuraava tapahtuma | |
|---|---|
2026 Q1 -tulosraportti 7.5. | 5 päivää |
| Menneet tapahtumat | ||
|---|---|---|
2025 Q4 -tulosraportti 6.2. | ||
2025 Q3 -tulosraportti 30.10.2025 | ||
2025 Q2 -tulosraportti 14.8.2025 | ||
2025 Q1 -tulosraportti 8.5.2025 | ||
2024 Q4 -tulosraportti 7.2.2025 |
Asiakkaat katsoivat myös
Foorumi
Liity keskusteluun Nordnet Socialissa
Kirjaudu
·24.4.I had actually promised myself that you would be spared further input from me – at least until we hit the latter part of May, when the Q1 financial reporting is over. But two major exciting developments have hit the Danish banking world this week: Nykredit's acquisition of BEC and Nordea's financial reporting (or more specifically a special element in the quarterly report). I don't actually have a qualified opinion on the member banks under BEC selling their minority interests to Nykredit. I don't know the details of the agreement well enough for that. But my first impulse was a wonder, however, that they are now putting all their eggs in one basket – both as providers of Totalkredit products – but now also by letting Nykredit be responsible for and own the entire data platform. The revenues, which today have led to upward adjustments at BEC, are by their nature one-off, and these revenues often provide the most benefit in the short term… The detail in Nordea's financial report is, in my view, actually more interesting, as it focuses on one of the two areas that I would pay attention to this reporting season. Nordea chose to reverse the management estimate for losses, which as of 31.12.2025 was 160 million euro, so that as of 31.03.2026 it amounts to 0 euro. The reversal actually only amounted to 0.3% of Nordea's market capitalization, so why is it interesting? Two reasons: (1) In reality, it is an expression that Nordea stands by their ordinary valuation of loans, i.e., there is no need for further action when their ordinary processes are followed. Could other banks be imagined to follow this logic? (2) For the other banks, the provision for losses based on management estimate does not only constitute 0.3% of the market value. I have combed through all annual reports to assess the management estimate as of 31.12.2025 in relation to both the announced expected result for 2026 and the current market value. In other words, if other banks fully or partially follow Nordea's example, will it then also just be a detail for nerds? The answer is a resounding no. Where Nordea's management estimate as of 31.12.2025 amounted to 0.3% of the market value, this is how it looks for some selected other banks (in relation to current market value at close 26.04.2026): - Kreditbanken 9,8% - Føroya Banki 5,2% - Hvidbjerg Bank 4,1% - Djurslands Bank 3,8% - Skjern Bank 3,5% - Jyske Bank 3,1% If one looks at the provision in relation to the median of the announced expectations for the annual result after tax: - Kreditbanken 115,3% - Hvidbjerg Bank 56,4% - Føroya Banki 54,8% In comparison, Nordea's now reversed provision was 3.3% in relation to their realized result for 2025. I acknowledge that different banks have different prerequisites and operate in different markets – but it will be exciting to see if any of the other banks will follow Nordea's example – perhaps later in the year. In that case, the upward adjustments at several Danish banks, which have been announced today as a result of the sale of ownership interests in BEC, will not be the last of the year…
·11.3.What is your primary reason for owning Skjern Bank instead of other local banks right now? Is it the dividend or the valuation that is the main draw?
·12.3.low dividend yield is perfectly fine for me (skjern has low dividend for being a bank just a little over 1% in dividend) I live in norge, so I get withholding tax on dividends, so if the dividend can rather be reinvested for good returns directly in the company, it's not negative for me
Yllä olevat kommentit ovat peräisin Nordnetin sosiaalisen verkoston Nordnet Socialin käyttäjiltä, eikä niitä ole muokattu eikä Nordnet ole tarkastanut niitä etukäteen. Ne eivät tarkoita, että Nordnet tarjoaisi sijoitusneuvoja tai sijoitussuosituksia. Nordnet ei ota vastuuta kommenteista.
Uutiset
Tämän sivun uutiset ja/tai sijoitussuositukset tai otteet niistä sekä niihin liittyvät linkit ovat mainitun tahon tuottamia ja toimittamia. Nordnet ei ole osallistunut materiaalin laatimiseen, eikä ole tarkistanut sen sisältöä tai tehnyt sisältöön muutoksia. Lue lisää sijoitussuosituksista.
2025 Q4 -tulosraportti
85 päivää sitten
‧31 min
3,50 DKK/osake
Viimeisin osinko
1,16%Tuotto/v
Uutiset
Tämän sivun uutiset ja/tai sijoitussuositukset tai otteet niistä sekä niihin liittyvät linkit ovat mainitun tahon tuottamia ja toimittamia. Nordnet ei ole osallistunut materiaalin laatimiseen, eikä ole tarkistanut sen sisältöä tai tehnyt sisältöön muutoksia. Lue lisää sijoitussuosituksista.
Foorumi
Liity keskusteluun Nordnet Socialissa
Kirjaudu
- ·24.4.I had actually promised myself that you would be spared further input from me – at least until we hit the latter part of May, when the Q1 financial reporting is over. But two major exciting developments have hit the Danish banking world this week: Nykredit's acquisition of BEC and Nordea's financial reporting (or more specifically a special element in the quarterly report). I don't actually have a qualified opinion on the member banks under BEC selling their minority interests to Nykredit. I don't know the details of the agreement well enough for that. But my first impulse was a wonder, however, that they are now putting all their eggs in one basket – both as providers of Totalkredit products – but now also by letting Nykredit be responsible for and own the entire data platform. The revenues, which today have led to upward adjustments at BEC, are by their nature one-off, and these revenues often provide the most benefit in the short term… The detail in Nordea's financial report is, in my view, actually more interesting, as it focuses on one of the two areas that I would pay attention to this reporting season. Nordea chose to reverse the management estimate for losses, which as of 31.12.2025 was 160 million euro, so that as of 31.03.2026 it amounts to 0 euro. The reversal actually only amounted to 0.3% of Nordea's market capitalization, so why is it interesting? Two reasons: (1) In reality, it is an expression that Nordea stands by their ordinary valuation of loans, i.e., there is no need for further action when their ordinary processes are followed. Could other banks be imagined to follow this logic? (2) For the other banks, the provision for losses based on management estimate does not only constitute 0.3% of the market value. I have combed through all annual reports to assess the management estimate as of 31.12.2025 in relation to both the announced expected result for 2026 and the current market value. In other words, if other banks fully or partially follow Nordea's example, will it then also just be a detail for nerds? The answer is a resounding no. Where Nordea's management estimate as of 31.12.2025 amounted to 0.3% of the market value, this is how it looks for some selected other banks (in relation to current market value at close 26.04.2026): - Kreditbanken 9,8% - Føroya Banki 5,2% - Hvidbjerg Bank 4,1% - Djurslands Bank 3,8% - Skjern Bank 3,5% - Jyske Bank 3,1% If one looks at the provision in relation to the median of the announced expectations for the annual result after tax: - Kreditbanken 115,3% - Hvidbjerg Bank 56,4% - Føroya Banki 54,8% In comparison, Nordea's now reversed provision was 3.3% in relation to their realized result for 2025. I acknowledge that different banks have different prerequisites and operate in different markets – but it will be exciting to see if any of the other banks will follow Nordea's example – perhaps later in the year. In that case, the upward adjustments at several Danish banks, which have been announced today as a result of the sale of ownership interests in BEC, will not be the last of the year…
- ·11.3.What is your primary reason for owning Skjern Bank instead of other local banks right now? Is it the dividend or the valuation that is the main draw?·12.3.low dividend yield is perfectly fine for me (skjern has low dividend for being a bank just a little over 1% in dividend) I live in norge, so I get withholding tax on dividends, so if the dividend can rather be reinvested for good returns directly in the company, it's not negative for me
Yllä olevat kommentit ovat peräisin Nordnetin sosiaalisen verkoston Nordnet Socialin käyttäjiltä, eikä niitä ole muokattu eikä Nordnet ole tarkastanut niitä etukäteen. Ne eivät tarkoita, että Nordnet tarjoaisi sijoitusneuvoja tai sijoitussuosituksia. Nordnet ei ota vastuuta kommenteista.
Tarjoustasot
Nasdaq Copenhagen
Määrä
Osto
-
Myynti
Määrä
-
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| 15 | - | - | ||
| 15 | - | - | ||
| 35 | - | - | ||
| 10 | - | - | ||
| 40 | - | - |
Välittäjätilasto
Dataa ei löytynyt
Asiakkaat katsoivat myös
Yhtiötapahtumat
Datan lähde: FactSet, Quartr| Seuraava tapahtuma | |
|---|---|
2026 Q1 -tulosraportti 7.5. | 5 päivää |
| Menneet tapahtumat | ||
|---|---|---|
2025 Q4 -tulosraportti 6.2. | ||
2025 Q3 -tulosraportti 30.10.2025 | ||
2025 Q2 -tulosraportti 14.8.2025 | ||
2025 Q1 -tulosraportti 8.5.2025 | ||
2024 Q4 -tulosraportti 7.2.2025 |
2025 Q4 -tulosraportti
85 päivää sitten
‧31 min
Uutiset
Tämän sivun uutiset ja/tai sijoitussuositukset tai otteet niistä sekä niihin liittyvät linkit ovat mainitun tahon tuottamia ja toimittamia. Nordnet ei ole osallistunut materiaalin laatimiseen, eikä ole tarkistanut sen sisältöä tai tehnyt sisältöön muutoksia. Lue lisää sijoitussuosituksista.
Yhtiötapahtumat
Datan lähde: FactSet, Quartr| Seuraava tapahtuma | |
|---|---|
2026 Q1 -tulosraportti 7.5. | 5 päivää |
| Menneet tapahtumat | ||
|---|---|---|
2025 Q4 -tulosraportti 6.2. | ||
2025 Q3 -tulosraportti 30.10.2025 | ||
2025 Q2 -tulosraportti 14.8.2025 | ||
2025 Q1 -tulosraportti 8.5.2025 | ||
2024 Q4 -tulosraportti 7.2.2025 |
3,50 DKK/osake
Viimeisin osinko
1,16%Tuotto/v
Foorumi
Liity keskusteluun Nordnet Socialissa
Kirjaudu
- ·24.4.I had actually promised myself that you would be spared further input from me – at least until we hit the latter part of May, when the Q1 financial reporting is over. But two major exciting developments have hit the Danish banking world this week: Nykredit's acquisition of BEC and Nordea's financial reporting (or more specifically a special element in the quarterly report). I don't actually have a qualified opinion on the member banks under BEC selling their minority interests to Nykredit. I don't know the details of the agreement well enough for that. But my first impulse was a wonder, however, that they are now putting all their eggs in one basket – both as providers of Totalkredit products – but now also by letting Nykredit be responsible for and own the entire data platform. The revenues, which today have led to upward adjustments at BEC, are by their nature one-off, and these revenues often provide the most benefit in the short term… The detail in Nordea's financial report is, in my view, actually more interesting, as it focuses on one of the two areas that I would pay attention to this reporting season. Nordea chose to reverse the management estimate for losses, which as of 31.12.2025 was 160 million euro, so that as of 31.03.2026 it amounts to 0 euro. The reversal actually only amounted to 0.3% of Nordea's market capitalization, so why is it interesting? Two reasons: (1) In reality, it is an expression that Nordea stands by their ordinary valuation of loans, i.e., there is no need for further action when their ordinary processes are followed. Could other banks be imagined to follow this logic? (2) For the other banks, the provision for losses based on management estimate does not only constitute 0.3% of the market value. I have combed through all annual reports to assess the management estimate as of 31.12.2025 in relation to both the announced expected result for 2026 and the current market value. In other words, if other banks fully or partially follow Nordea's example, will it then also just be a detail for nerds? The answer is a resounding no. Where Nordea's management estimate as of 31.12.2025 amounted to 0.3% of the market value, this is how it looks for some selected other banks (in relation to current market value at close 26.04.2026): - Kreditbanken 9,8% - Føroya Banki 5,2% - Hvidbjerg Bank 4,1% - Djurslands Bank 3,8% - Skjern Bank 3,5% - Jyske Bank 3,1% If one looks at the provision in relation to the median of the announced expectations for the annual result after tax: - Kreditbanken 115,3% - Hvidbjerg Bank 56,4% - Føroya Banki 54,8% In comparison, Nordea's now reversed provision was 3.3% in relation to their realized result for 2025. I acknowledge that different banks have different prerequisites and operate in different markets – but it will be exciting to see if any of the other banks will follow Nordea's example – perhaps later in the year. In that case, the upward adjustments at several Danish banks, which have been announced today as a result of the sale of ownership interests in BEC, will not be the last of the year…
- ·11.3.What is your primary reason for owning Skjern Bank instead of other local banks right now? Is it the dividend or the valuation that is the main draw?·12.3.low dividend yield is perfectly fine for me (skjern has low dividend for being a bank just a little over 1% in dividend) I live in norge, so I get withholding tax on dividends, so if the dividend can rather be reinvested for good returns directly in the company, it's not negative for me
Yllä olevat kommentit ovat peräisin Nordnetin sosiaalisen verkoston Nordnet Socialin käyttäjiltä, eikä niitä ole muokattu eikä Nordnet ole tarkastanut niitä etukäteen. Ne eivät tarkoita, että Nordnet tarjoaisi sijoitusneuvoja tai sijoitussuosituksia. Nordnet ei ota vastuuta kommenteista.
Tarjoustasot
Nasdaq Copenhagen
Määrä
Osto
-
Myynti
Määrä
-
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| 15 | - | - | ||
| 15 | - | - | ||
| 35 | - | - | ||
| 10 | - | - | ||
| 40 | - | - |
Välittäjätilasto
Dataa ei löytynyt