Huomioi, että vaikka osakkeisiin säästäminen on pitkällä aikavälillä tuottanut hyvin, tulevasta tuotosta ei ole takeita. On olemassa riski, että et saa sijoittamiasi varoja takaisin.

Välittäjätilasto

Dataa ei löytynyt

Yhtiötapahtumat

Datan lähde: FactSet, Quartr

Seuraava tapahtuma
2026 Q1 -tulosraportti 6.5.

Menneet tapahtumat
2025 Q4 -tulosraportti 25.2.
2025 Q3 -tulosraportti 5.11.2025
2025 Q2 -tulosraportti 27.8.2025
2025 Q1 -tulosraportti 7.5.2025
2024 Q4 -tulosraportti 26.2.2025

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Kirjaudu

AndersFJ
1 päivä sitten
·
AndersFJ
1 päivä sitten
·
While we wait… While Q1 in the Danish banking market in isolation has been quite undramatic, the same period on the geopolitical scene has been the exact opposite. Therefore, most of us have probably also experienced larger ripples in our portfolios than what has been pleasant. And uncertainty will probably be a loyal companion for a while yet. The cherished hope is that reason prevails – if not sooner, then at least in connection with the midterm elections in the USA. It is precisely in these tumultuous periods that the advantage of being a long-term investor shows itself. And I see nothing that – yet – impacts the banks' earnings. Interest rate expectations have shifted a bit – but only in an upward direction as a result of rising inflation. It is only if we start to see entire industries having supply problems, which further down the road can result in losses for the banks, that I will begin to reconsider my clear overweight in banks. We are – in my layman's assessment – far from that yet. But it will be interesting to see if some of the banks in the Q1 quarterly report feel tempted to further increase the discretionary loss buffer. Or if they merely reallocate the existing buffer for the 117th time – this time to “uncertainty regarding the situation in Iran”. Believe me, I am an advocate for a degree of prudence in business management, but in some places, we are starting to approach a level where directors find it hard not to describe the basis for the estimate without smiling. In my world, there will always be risks associated with ordinary operations – and loss provisions on actual loans should reflect that. In my work as an auditor, across all sorts of industries, I have had discussions with various CFOs and CEOs about loss provisions on debtors, which for banks would correspond to loan losses. It is always entertaining to have these discussions when both parties know well that it is one of the items in the financial statements best suited to adjust the annual result with. I do not suspect Danish banks of earnings management – I just hope that the estimated provision has soon reached a level where there is no need to do more. I boldly begin this post by saying that the quarter has been undramatic. This is naturally not how it has been experienced by the employees in the Danish banks who have been affected by the layoffs that were announced and implemented in the quarter. Nevertheless, it is precisely this moment that, for me as an investor, is most crucial in the remainder of 2026: Will we already in the 2026 quarterly reports be able to see the efficiency gains via AI materialize in costs? I am not so naive as to expect to see anything noticeable already in the first half-year – but at the slightest indication that further down the road there could be a 5-10-15% efficiency gain to be had, then we are in a scenario where banks, in my view, need to be repriced – significantly so. So when the first banks later this month publish the results for Q1, the first figure I will look at is operating costs compared to previous periods. The large banks will naturally be the first to move on this agenda – and my expectation/hope is that we, without a magnifying glass, can trace a little already in the Q3 quarterly report. My strength as an investor, however, is patience, so if we have to wait a couple more quarters, it will be fine. Then I will just have to settle for the 10% return on my investment in the meantime… Happy earnings season out there! I would actually have stopped the post here, but from time to time I receive inquiries from you, friends, or colleagues about my current favorite investment, so I can perhaps preempt some of these inquiries by being transparent about my Top 5: 1. Jyske Bank 2. SJF Bank (could something interesting be brewing?) 3. Kreditbanken (how long can it go under the radar?) 4. Dansk Bank 5. AL Sydbank
AndersFJ
1 päivä sitten
·
AndersFJ
1 päivä sitten
·
I am aware that 4 out of the 5 banks belong to Bankdata. This is primarily a coincidence, as none of my algorithms take this into account. And I generally don't have any special insight into which platform is best. Nevertheless, there are some aspects that make precisely these banks interesting from an investor's point of view: - The dynamics at Bankdata: I notice a number of positive articles about Bankdata – especially after AL Sydbank chose this solution. There are indications that they will try to attract more banks, just as it appears that costs are under control. - Share buybacks: Apart from Kreditbanken, which has distributed record-high dividends, all banks under Bankdata are engaged in share buyback programs (I have very interestedly noted that SJF Bank has not initiated a program in 2026…. yet. I cannot interpret this as anything other than that they want to keep their powder dry, should an opening arise in relation to Lollands Bank and/or Møns Bank) - With AL Sydbank, Jyske Bank and Ringkjøbing Landbobank, as the big players in the class, who then expects that the other four (SJF Bank, Skjern Bank, Djurslands Bank and Kreditbanken) will be independent in five years…? It is probably unnecessary to mention that Djurslands Bank and Skjern Bank are No. 6 and 7 on my list (again, without the affiliation with Bankdata weighing anything in the algorithms). For the sake of completeness, I want to mention that Nordea (due to foreign ownership) and Ringkjøbing Landbobank (because the valuation is done using other multiples than the other banks) are not covered by my analyses. Again: Have a good earnings season out there!
rlasse
31.3.
·
rlasse
31.3.
·
Difficult to analyze AL Sydbank currently after the merger of Sydbank, Arbejdernes Landsbank, and Vestjysk Bank as the consolidated figures are not easily available in analysis tools, must be found in the annual report. AL Sydbank has an ROE of 12,1% and P/B is 1,81. This is very expensive, so I have sold my shares in Sydbank and bought other Danish banks. | Metric | Value | | --------------- | ----- | | ROE | 11.3% | | ROE (tangible) | 12.1% | | P/B | 1.37 | | P/Tangible book | 1.81 |
Gonzo-Invest
31.3. · Muokattu
·
Gonzo-Invest
31.3. · Muokattu
·
Current key figures are indeed not "best in class" - far from it. The 2025 result is also marred by high one-off costs. But the synergies from the merger should hopefully change this over the next couple of years. I have at least bought some time ago.
rlasse
31.3. · Muokattu
·
rlasse
31.3. · Muokattu
·
Companies Sydbank was highly priced before the merger too. There are other Danish banks with risk reward like Jyske and Skjern.
somvindenblæser
29.3.
·
somvindenblæser
29.3.
·
What does the forum think about this bank stock, good dividend and reasonably priced?
malte11
30.3.
·
malte11
30.3.
·
According to the price targets, there is great potential, but there is general uncertainty in the markets.
MCsimba
23.3.
·
MCsimba
23.3.
·
Soon the interest rates will fall to 0 …… and the banks will follow down. Trump and Nethan will go down in history as the least insightful “leaders” in history. Keeping my position because I'm too stupid to make the decision to sell. hahahahaha - how tragically comical😂
Tempesta
24.3.
·
Tempesta
24.3.
·
Immediately, there is an outlook for interest rate increases due to inflation.
Gonzo-Invest
24.3.
·
Gonzo-Invest
24.3.
·
exactly about one, two, three pieces. We'll see if it turns out good or bad for the banks. Immediately good but if the whole economy gets pressured thennnnnnnn.
Roland123
19.3.
·
Roland123
19.3.
·
Should one buy up today before the ex-dividend day, it will probably fall due to dividend.
lazze2025
19.3.
·
lazze2025
19.3.
·
It falls every day,, today before x it should at least go to zero now it is down by -9

Yllä olevat kommentit ovat peräisin Nordnetin sosiaalisen verkoston Sharevillen 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.

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2025 Q4 -tulosraportti

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47 päivää sitten

25,00 DKK/osake

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4,53%Tuotto/v

Uutiset

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Shareville

Liity keskusteluun SharevillessäShareville on aktiivisten yksityissijoittajien yhteisö, jossa voit seurata muiden asiakkaiden kaupankäyntiä ja omistuksia.

Kirjaudu

AndersFJ
1 päivä sitten
·
AndersFJ
1 päivä sitten
·
While we wait… While Q1 in the Danish banking market in isolation has been quite undramatic, the same period on the geopolitical scene has been the exact opposite. Therefore, most of us have probably also experienced larger ripples in our portfolios than what has been pleasant. And uncertainty will probably be a loyal companion for a while yet. The cherished hope is that reason prevails – if not sooner, then at least in connection with the midterm elections in the USA. It is precisely in these tumultuous periods that the advantage of being a long-term investor shows itself. And I see nothing that – yet – impacts the banks' earnings. Interest rate expectations have shifted a bit – but only in an upward direction as a result of rising inflation. It is only if we start to see entire industries having supply problems, which further down the road can result in losses for the banks, that I will begin to reconsider my clear overweight in banks. We are – in my layman's assessment – far from that yet. But it will be interesting to see if some of the banks in the Q1 quarterly report feel tempted to further increase the discretionary loss buffer. Or if they merely reallocate the existing buffer for the 117th time – this time to “uncertainty regarding the situation in Iran”. Believe me, I am an advocate for a degree of prudence in business management, but in some places, we are starting to approach a level where directors find it hard not to describe the basis for the estimate without smiling. In my world, there will always be risks associated with ordinary operations – and loss provisions on actual loans should reflect that. In my work as an auditor, across all sorts of industries, I have had discussions with various CFOs and CEOs about loss provisions on debtors, which for banks would correspond to loan losses. It is always entertaining to have these discussions when both parties know well that it is one of the items in the financial statements best suited to adjust the annual result with. I do not suspect Danish banks of earnings management – I just hope that the estimated provision has soon reached a level where there is no need to do more. I boldly begin this post by saying that the quarter has been undramatic. This is naturally not how it has been experienced by the employees in the Danish banks who have been affected by the layoffs that were announced and implemented in the quarter. Nevertheless, it is precisely this moment that, for me as an investor, is most crucial in the remainder of 2026: Will we already in the 2026 quarterly reports be able to see the efficiency gains via AI materialize in costs? I am not so naive as to expect to see anything noticeable already in the first half-year – but at the slightest indication that further down the road there could be a 5-10-15% efficiency gain to be had, then we are in a scenario where banks, in my view, need to be repriced – significantly so. So when the first banks later this month publish the results for Q1, the first figure I will look at is operating costs compared to previous periods. The large banks will naturally be the first to move on this agenda – and my expectation/hope is that we, without a magnifying glass, can trace a little already in the Q3 quarterly report. My strength as an investor, however, is patience, so if we have to wait a couple more quarters, it will be fine. Then I will just have to settle for the 10% return on my investment in the meantime… Happy earnings season out there! I would actually have stopped the post here, but from time to time I receive inquiries from you, friends, or colleagues about my current favorite investment, so I can perhaps preempt some of these inquiries by being transparent about my Top 5: 1. Jyske Bank 2. SJF Bank (could something interesting be brewing?) 3. Kreditbanken (how long can it go under the radar?) 4. Dansk Bank 5. AL Sydbank
AndersFJ
1 päivä sitten
·
AndersFJ
1 päivä sitten
·
I am aware that 4 out of the 5 banks belong to Bankdata. This is primarily a coincidence, as none of my algorithms take this into account. And I generally don't have any special insight into which platform is best. Nevertheless, there are some aspects that make precisely these banks interesting from an investor's point of view: - The dynamics at Bankdata: I notice a number of positive articles about Bankdata – especially after AL Sydbank chose this solution. There are indications that they will try to attract more banks, just as it appears that costs are under control. - Share buybacks: Apart from Kreditbanken, which has distributed record-high dividends, all banks under Bankdata are engaged in share buyback programs (I have very interestedly noted that SJF Bank has not initiated a program in 2026…. yet. I cannot interpret this as anything other than that they want to keep their powder dry, should an opening arise in relation to Lollands Bank and/or Møns Bank) - With AL Sydbank, Jyske Bank and Ringkjøbing Landbobank, as the big players in the class, who then expects that the other four (SJF Bank, Skjern Bank, Djurslands Bank and Kreditbanken) will be independent in five years…? It is probably unnecessary to mention that Djurslands Bank and Skjern Bank are No. 6 and 7 on my list (again, without the affiliation with Bankdata weighing anything in the algorithms). For the sake of completeness, I want to mention that Nordea (due to foreign ownership) and Ringkjøbing Landbobank (because the valuation is done using other multiples than the other banks) are not covered by my analyses. Again: Have a good earnings season out there!
rlasse
31.3.
·
rlasse
31.3.
·
Difficult to analyze AL Sydbank currently after the merger of Sydbank, Arbejdernes Landsbank, and Vestjysk Bank as the consolidated figures are not easily available in analysis tools, must be found in the annual report. AL Sydbank has an ROE of 12,1% and P/B is 1,81. This is very expensive, so I have sold my shares in Sydbank and bought other Danish banks. | Metric | Value | | --------------- | ----- | | ROE | 11.3% | | ROE (tangible) | 12.1% | | P/B | 1.37 | | P/Tangible book | 1.81 |
Gonzo-Invest
31.3. · Muokattu
·
Gonzo-Invest
31.3. · Muokattu
·
Current key figures are indeed not "best in class" - far from it. The 2025 result is also marred by high one-off costs. But the synergies from the merger should hopefully change this over the next couple of years. I have at least bought some time ago.
rlasse
31.3. · Muokattu
·
rlasse
31.3. · Muokattu
·
Companies Sydbank was highly priced before the merger too. There are other Danish banks with risk reward like Jyske and Skjern.
somvindenblæser
29.3.
·
somvindenblæser
29.3.
·
What does the forum think about this bank stock, good dividend and reasonably priced?
malte11
30.3.
·
malte11
30.3.
·
According to the price targets, there is great potential, but there is general uncertainty in the markets.
MCsimba
23.3.
·
MCsimba
23.3.
·
Soon the interest rates will fall to 0 …… and the banks will follow down. Trump and Nethan will go down in history as the least insightful “leaders” in history. Keeping my position because I'm too stupid to make the decision to sell. hahahahaha - how tragically comical😂
Tempesta
24.3.
·
Tempesta
24.3.
·
Immediately, there is an outlook for interest rate increases due to inflation.
Gonzo-Invest
24.3.
·
Gonzo-Invest
24.3.
·
exactly about one, two, three pieces. We'll see if it turns out good or bad for the banks. Immediately good but if the whole economy gets pressured thennnnnnnn.
Roland123
19.3.
·
Roland123
19.3.
·
Should one buy up today before the ex-dividend day, it will probably fall due to dividend.
lazze2025
19.3.
·
lazze2025
19.3.
·
It falls every day,, today before x it should at least go to zero now it is down by -9