2025 Q4 -tulosraportti
136 päivää sitten27,78 DKK/osake
Viimeisin osinko
3,10%Tuotto/v
Tarjoustasot
Ei dataa
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| - | - | - | - |
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| Seuraava tapahtuma | |
|---|---|
2026 Q2 -tulosraportti 19.8. |
| Menneet tapahtumat | ||
|---|---|---|
2025 Q4 -tulosraportti 4.3. | ||
2025 Q3 -tulosraportti 19.11.2025 | ||
2025 Q2 -tulosraportti 20.8.2025 | ||
2025 Q1 -tulosraportti 21.5.2025 | ||
2024 Q4 -tulosraportti 26.2.2025 |
Asiakkaat katsoivat myös
Foorumi
Liity keskusteluun Nordnet Socialissa
Kirjaudu
·10.7.2026 has so far been a quiet year compared to the consolidation that has been a natural part of the Danish banking market since the financial crisis 18 years ago. The number of banks – listed and unlisted – has steadily decreased. And there is a consensus that the trend will continue – even among the directors. It's just that no one sees themselves as the leader of the bank being acquired. Obviously, the likelihood of further consolidations is greatest in times of crisis, as a merger can become an urgent necessity. Despite geopolitical unrest, Danish banks are in calm waters, although I personally can be nervous about the smallest banks' inability to create better results in the current economic environment where no significant losses are realized. I would therefore be surprised (read: disappointed) if no considerations are being made in the executive and board rooms about what should happen if a larger bank comes calling. We know that some of the small banks have historically defended their independence through voting restrictions, i.e., a defensive tactic where the indirect intention is to make the bank as unattractive as possible to suitors. The disadvantage of this tactic was highlighted in connection with the saga of Nordfyns Bank, where it was established that the voting restrictions were not applicable in termination situations. We know the voting restrictions from, for example, Lollands Bank and Møns Bank. And it has worked – so far. However, it is my assessment that a more positive and offensive approach would be more obvious in keeping suitors at bay: Why not instead focus on increasing the price of an acquisition so much that no one would genuinely make advances? It is well-known – especially in non-crisis times – that a premium must be paid to convince current shareholders of a merger. If I were the CEO of one of the smaller banks, where my most distinguished task was to ensure the continued independence of the bank, I would think that the current share price should go so high that the premium (additional price) would become too high for acquiring banks to pay. I.e., a diametrically opposite direction than voting restrictions, which, all else being equal, lead to a lower share price. So, in addition to the very obvious task of ensuring the bank is run soundly financially, I would make sure to look in the toolbox for shareholder-friendly initiatives. There are actually a couple that are so obvious it almost screams to high heaven. So obvious, in fact, that even banks not "at risk" of acquisition should use them if they care about their shareholders' interests. First, the least effective: It is obvious to ensure the highest possible liquidity in the stock, so both small and large shareholders can get in and out. I myself am a shareholder in Berkshire Hathaway (primarily just to honor a great idol) and yes, there can certainly be a snob effect in a high share price. But I don't think that's a factor for a shareholder in Kreditbanken. So why not arrange a stock split when the price at the time of writing is 8.800 kr.? In my view, Kreditbanken is in every way a very, very soundly managed bank – but why not pick the low-hanging fruit on behalf of the shareholders? I hold shares in the bank worth approx. 2,5 mio. kr. But just as long as it took to get in, it will take just as long to get out if one doesn't want to shake the price. This leads me to the tool that more and more have chosen to use in recent years: Share buybacks. I admit the counter-intuitive nature that a reduction in the number of shares would make it harder for a competing bank with good or bad intentions to take over power, but the decisive factor for the acquiring bank is not the number of shares or the price – it is the product of these, i.e., the total value of the bank. So if buybacks lead to a higher total value of the bank via a higher share price, it will not only be shareholder-friendly but also leave the acquiring bank less room to offer a reasonable "premium". A large part of my investments are in banks that currently use share buybacks. I can see in my data how significant an impact it has on the share price. Therefore, the initiation of a large share buyback program is the very best buy signal. Therefore: @ Kreditbanken: You will be able to deliver a stock split and a buyback program when the annual report for 2026 is submitted (you are actually the only one on Bankdata not currently doing so) @ Jyske Bank: A stock split is also approaching for you. I think, however, that you, better than most, have understood the value of share buybacks – thank you for that. @ SJF Bank: Good to see you getting started with the share buyback. The question is, isn't there room for a larger program next year? @ Møns Bank and Lollands Bank: Voting restrictions alone will not be enough the day the economic cycle turns @ My fellow investors: Enjoy the summer- ·22.5.Lollands Bank's result after Q1 2026 is described by management as "satisfactory". The announced profit before tax for the full year 2026 is DKK 92.5 million (mid-point of the range). In Q1, a profit of DKK 22.0 million was achieved. Thus, Lollands Bank is slightly behind in the first quarter. However, this will be caught up in the coming quarter, where the proceeds from the sale of the shareholding in BEC are expected to be recognized. The profit before tax is the second lowest over the past 13 quarters. Neither a magnifying glass nor a math exam is needed to see where the challenge lies: The top line is not keeping pace with the development in personnel and administration expenses. Thus, Lollands Bank does not differ significantly from the other small banks. The top line is divided into two: Net interest income and net fee income. Thus, the top line is largely determined by the net interest margin. While most banks (including Lollands Bank) have managed to increase loans and deposits, this has only in a few cases materialized into improved net interest income. And this has not been the case for Lollands Bank. On the other hand, it must be described as a positive surprise that the bank realized the best net fee income in the bank's history. The challenge is simply that the record also applies to personnel and administration expenses. There are no indications of a special focus on cost management, as can otherwise be seen discussed in other banks' quarterly reports. Overall, it is an approved quarter – but not more than just that. The time when the "missing" cost management becomes a problem is further out than for other banks of similar size. But the time will come… The bank is in the middle of the pack in my overall assessment of Danish banks. Lollands Bank, however, has the very obvious upside potential that it trades cheaply on price/book value (at 0.97, it is actually the only one below 1.0) while SJF Bank with its large shareholding is lurking. Disclaimer: I am myself a shareholder in Lollands Bank – but I admit that it is primarily due to the takeover possibility
·22.5.Frighteningly low forward P/E around 6… Will Lollands Bank be an attractive regional bank for acquisition?
·10.4.So Lolland also woke up! What could be the reason that this stock doesn't open and close on the Stock Exchange, like all others. Some days it isn't traded at all
·13.2.Crazy enough that it's taking such a beating when it hasn't risen nearly as much as many of the other small banks.
The takeover bid is coming. The question is just when. I "dare" not be out of Lollands Bank, because suddenly it comes - and then the price rises approx. 40 % immediately :-)
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
136 päivää sitten27,78 DKK/osake
Viimeisin osinko
3,10%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
- ·10.7.2026 has so far been a quiet year compared to the consolidation that has been a natural part of the Danish banking market since the financial crisis 18 years ago. The number of banks – listed and unlisted – has steadily decreased. And there is a consensus that the trend will continue – even among the directors. It's just that no one sees themselves as the leader of the bank being acquired. Obviously, the likelihood of further consolidations is greatest in times of crisis, as a merger can become an urgent necessity. Despite geopolitical unrest, Danish banks are in calm waters, although I personally can be nervous about the smallest banks' inability to create better results in the current economic environment where no significant losses are realized. I would therefore be surprised (read: disappointed) if no considerations are being made in the executive and board rooms about what should happen if a larger bank comes calling. We know that some of the small banks have historically defended their independence through voting restrictions, i.e., a defensive tactic where the indirect intention is to make the bank as unattractive as possible to suitors. The disadvantage of this tactic was highlighted in connection with the saga of Nordfyns Bank, where it was established that the voting restrictions were not applicable in termination situations. We know the voting restrictions from, for example, Lollands Bank and Møns Bank. And it has worked – so far. However, it is my assessment that a more positive and offensive approach would be more obvious in keeping suitors at bay: Why not instead focus on increasing the price of an acquisition so much that no one would genuinely make advances? It is well-known – especially in non-crisis times – that a premium must be paid to convince current shareholders of a merger. If I were the CEO of one of the smaller banks, where my most distinguished task was to ensure the continued independence of the bank, I would think that the current share price should go so high that the premium (additional price) would become too high for acquiring banks to pay. I.e., a diametrically opposite direction than voting restrictions, which, all else being equal, lead to a lower share price. So, in addition to the very obvious task of ensuring the bank is run soundly financially, I would make sure to look in the toolbox for shareholder-friendly initiatives. There are actually a couple that are so obvious it almost screams to high heaven. So obvious, in fact, that even banks not "at risk" of acquisition should use them if they care about their shareholders' interests. First, the least effective: It is obvious to ensure the highest possible liquidity in the stock, so both small and large shareholders can get in and out. I myself am a shareholder in Berkshire Hathaway (primarily just to honor a great idol) and yes, there can certainly be a snob effect in a high share price. But I don't think that's a factor for a shareholder in Kreditbanken. So why not arrange a stock split when the price at the time of writing is 8.800 kr.? In my view, Kreditbanken is in every way a very, very soundly managed bank – but why not pick the low-hanging fruit on behalf of the shareholders? I hold shares in the bank worth approx. 2,5 mio. kr. But just as long as it took to get in, it will take just as long to get out if one doesn't want to shake the price. This leads me to the tool that more and more have chosen to use in recent years: Share buybacks. I admit the counter-intuitive nature that a reduction in the number of shares would make it harder for a competing bank with good or bad intentions to take over power, but the decisive factor for the acquiring bank is not the number of shares or the price – it is the product of these, i.e., the total value of the bank. So if buybacks lead to a higher total value of the bank via a higher share price, it will not only be shareholder-friendly but also leave the acquiring bank less room to offer a reasonable "premium". A large part of my investments are in banks that currently use share buybacks. I can see in my data how significant an impact it has on the share price. Therefore, the initiation of a large share buyback program is the very best buy signal. Therefore: @ Kreditbanken: You will be able to deliver a stock split and a buyback program when the annual report for 2026 is submitted (you are actually the only one on Bankdata not currently doing so) @ Jyske Bank: A stock split is also approaching for you. I think, however, that you, better than most, have understood the value of share buybacks – thank you for that. @ SJF Bank: Good to see you getting started with the share buyback. The question is, isn't there room for a larger program next year? @ Møns Bank and Lollands Bank: Voting restrictions alone will not be enough the day the economic cycle turns @ My fellow investors: Enjoy the summer
- ·22.5.Lollands Bank's result after Q1 2026 is described by management as "satisfactory". The announced profit before tax for the full year 2026 is DKK 92.5 million (mid-point of the range). In Q1, a profit of DKK 22.0 million was achieved. Thus, Lollands Bank is slightly behind in the first quarter. However, this will be caught up in the coming quarter, where the proceeds from the sale of the shareholding in BEC are expected to be recognized. The profit before tax is the second lowest over the past 13 quarters. Neither a magnifying glass nor a math exam is needed to see where the challenge lies: The top line is not keeping pace with the development in personnel and administration expenses. Thus, Lollands Bank does not differ significantly from the other small banks. The top line is divided into two: Net interest income and net fee income. Thus, the top line is largely determined by the net interest margin. While most banks (including Lollands Bank) have managed to increase loans and deposits, this has only in a few cases materialized into improved net interest income. And this has not been the case for Lollands Bank. On the other hand, it must be described as a positive surprise that the bank realized the best net fee income in the bank's history. The challenge is simply that the record also applies to personnel and administration expenses. There are no indications of a special focus on cost management, as can otherwise be seen discussed in other banks' quarterly reports. Overall, it is an approved quarter – but not more than just that. The time when the "missing" cost management becomes a problem is further out than for other banks of similar size. But the time will come… The bank is in the middle of the pack in my overall assessment of Danish banks. Lollands Bank, however, has the very obvious upside potential that it trades cheaply on price/book value (at 0.97, it is actually the only one below 1.0) while SJF Bank with its large shareholding is lurking. Disclaimer: I am myself a shareholder in Lollands Bank – but I admit that it is primarily due to the takeover possibility
- ·22.5.Frighteningly low forward P/E around 6… Will Lollands Bank be an attractive regional bank for acquisition?
- ·10.4.So Lolland also woke up! What could be the reason that this stock doesn't open and close on the Stock Exchange, like all others. Some days it isn't traded at all
- ·13.2.Crazy enough that it's taking such a beating when it hasn't risen nearly as much as many of the other small banks.The takeover bid is coming. The question is just when. I "dare" not be out of Lollands Bank, because suddenly it comes - and then the price rises approx. 40 % immediately :-)
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
Ei dataa
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| - | - | - | - |
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
Asiakkaat katsoivat myös
Yhtiötapahtumat
Datan lähde: FactSet| Seuraava tapahtuma | |
|---|---|
2026 Q2 -tulosraportti 19.8. |
| Menneet tapahtumat | ||
|---|---|---|
2025 Q4 -tulosraportti 4.3. | ||
2025 Q3 -tulosraportti 19.11.2025 | ||
2025 Q2 -tulosraportti 20.8.2025 | ||
2025 Q1 -tulosraportti 21.5.2025 | ||
2024 Q4 -tulosraportti 26.2.2025 |
2025 Q4 -tulosraportti
136 päivää sittenUutiset
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| Seuraava tapahtuma | |
|---|---|
2026 Q2 -tulosraportti 19.8. |
| Menneet tapahtumat | ||
|---|---|---|
2025 Q4 -tulosraportti 4.3. | ||
2025 Q3 -tulosraportti 19.11.2025 | ||
2025 Q2 -tulosraportti 20.8.2025 | ||
2025 Q1 -tulosraportti 21.5.2025 | ||
2024 Q4 -tulosraportti 26.2.2025 |
27,78 DKK/osake
Viimeisin osinko
3,10%Tuotto/v
Foorumi
Liity keskusteluun Nordnet Socialissa
Kirjaudu
- ·10.7.2026 has so far been a quiet year compared to the consolidation that has been a natural part of the Danish banking market since the financial crisis 18 years ago. The number of banks – listed and unlisted – has steadily decreased. And there is a consensus that the trend will continue – even among the directors. It's just that no one sees themselves as the leader of the bank being acquired. Obviously, the likelihood of further consolidations is greatest in times of crisis, as a merger can become an urgent necessity. Despite geopolitical unrest, Danish banks are in calm waters, although I personally can be nervous about the smallest banks' inability to create better results in the current economic environment where no significant losses are realized. I would therefore be surprised (read: disappointed) if no considerations are being made in the executive and board rooms about what should happen if a larger bank comes calling. We know that some of the small banks have historically defended their independence through voting restrictions, i.e., a defensive tactic where the indirect intention is to make the bank as unattractive as possible to suitors. The disadvantage of this tactic was highlighted in connection with the saga of Nordfyns Bank, where it was established that the voting restrictions were not applicable in termination situations. We know the voting restrictions from, for example, Lollands Bank and Møns Bank. And it has worked – so far. However, it is my assessment that a more positive and offensive approach would be more obvious in keeping suitors at bay: Why not instead focus on increasing the price of an acquisition so much that no one would genuinely make advances? It is well-known – especially in non-crisis times – that a premium must be paid to convince current shareholders of a merger. If I were the CEO of one of the smaller banks, where my most distinguished task was to ensure the continued independence of the bank, I would think that the current share price should go so high that the premium (additional price) would become too high for acquiring banks to pay. I.e., a diametrically opposite direction than voting restrictions, which, all else being equal, lead to a lower share price. So, in addition to the very obvious task of ensuring the bank is run soundly financially, I would make sure to look in the toolbox for shareholder-friendly initiatives. There are actually a couple that are so obvious it almost screams to high heaven. So obvious, in fact, that even banks not "at risk" of acquisition should use them if they care about their shareholders' interests. First, the least effective: It is obvious to ensure the highest possible liquidity in the stock, so both small and large shareholders can get in and out. I myself am a shareholder in Berkshire Hathaway (primarily just to honor a great idol) and yes, there can certainly be a snob effect in a high share price. But I don't think that's a factor for a shareholder in Kreditbanken. So why not arrange a stock split when the price at the time of writing is 8.800 kr.? In my view, Kreditbanken is in every way a very, very soundly managed bank – but why not pick the low-hanging fruit on behalf of the shareholders? I hold shares in the bank worth approx. 2,5 mio. kr. But just as long as it took to get in, it will take just as long to get out if one doesn't want to shake the price. This leads me to the tool that more and more have chosen to use in recent years: Share buybacks. I admit the counter-intuitive nature that a reduction in the number of shares would make it harder for a competing bank with good or bad intentions to take over power, but the decisive factor for the acquiring bank is not the number of shares or the price – it is the product of these, i.e., the total value of the bank. So if buybacks lead to a higher total value of the bank via a higher share price, it will not only be shareholder-friendly but also leave the acquiring bank less room to offer a reasonable "premium". A large part of my investments are in banks that currently use share buybacks. I can see in my data how significant an impact it has on the share price. Therefore, the initiation of a large share buyback program is the very best buy signal. Therefore: @ Kreditbanken: You will be able to deliver a stock split and a buyback program when the annual report for 2026 is submitted (you are actually the only one on Bankdata not currently doing so) @ Jyske Bank: A stock split is also approaching for you. I think, however, that you, better than most, have understood the value of share buybacks – thank you for that. @ SJF Bank: Good to see you getting started with the share buyback. The question is, isn't there room for a larger program next year? @ Møns Bank and Lollands Bank: Voting restrictions alone will not be enough the day the economic cycle turns @ My fellow investors: Enjoy the summer
- ·22.5.Lollands Bank's result after Q1 2026 is described by management as "satisfactory". The announced profit before tax for the full year 2026 is DKK 92.5 million (mid-point of the range). In Q1, a profit of DKK 22.0 million was achieved. Thus, Lollands Bank is slightly behind in the first quarter. However, this will be caught up in the coming quarter, where the proceeds from the sale of the shareholding in BEC are expected to be recognized. The profit before tax is the second lowest over the past 13 quarters. Neither a magnifying glass nor a math exam is needed to see where the challenge lies: The top line is not keeping pace with the development in personnel and administration expenses. Thus, Lollands Bank does not differ significantly from the other small banks. The top line is divided into two: Net interest income and net fee income. Thus, the top line is largely determined by the net interest margin. While most banks (including Lollands Bank) have managed to increase loans and deposits, this has only in a few cases materialized into improved net interest income. And this has not been the case for Lollands Bank. On the other hand, it must be described as a positive surprise that the bank realized the best net fee income in the bank's history. The challenge is simply that the record also applies to personnel and administration expenses. There are no indications of a special focus on cost management, as can otherwise be seen discussed in other banks' quarterly reports. Overall, it is an approved quarter – but not more than just that. The time when the "missing" cost management becomes a problem is further out than for other banks of similar size. But the time will come… The bank is in the middle of the pack in my overall assessment of Danish banks. Lollands Bank, however, has the very obvious upside potential that it trades cheaply on price/book value (at 0.97, it is actually the only one below 1.0) while SJF Bank with its large shareholding is lurking. Disclaimer: I am myself a shareholder in Lollands Bank – but I admit that it is primarily due to the takeover possibility
- ·22.5.Frighteningly low forward P/E around 6… Will Lollands Bank be an attractive regional bank for acquisition?
- ·10.4.So Lolland also woke up! What could be the reason that this stock doesn't open and close on the Stock Exchange, like all others. Some days it isn't traded at all
- ·13.2.Crazy enough that it's taking such a beating when it hasn't risen nearly as much as many of the other small banks.The takeover bid is coming. The question is just when. I "dare" not be out of Lollands Bank, because suddenly it comes - and then the price rises approx. 40 % immediately :-)
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
Ei dataa
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| - | - | - | - |
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