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Hvidbjerg Bank A/S

Hvidbjerg Bank A/S

HVID.CO
Hvidbjerg Bank A/SDK flagNASDAQ Copenhagen
182.00
DKK
+3.00
- -
305.79MMarket Cap
Hvidbjerg Bank A/S
HVID.CO
(NASDAQ Copenhagen)

Recent

price

182.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
54.48
57.18
36.54
39.09
39.7
39.9
40.51
41.74
44.47
53.94
48.76
53.93
64.03
76.9
80.84
83.11
83.04
Revenue per Share
-8.13
-7.4
-8.64
-4.55
6.42
10.5
6.81
8.34
9.83
16.21
8.77
14.13
14.98
20.02
20.52
17.71
16.73
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
75.87
69.18
45.24
40.85
45.34
54.52
60.22
67.5
72.62
86.44
94.63
108.18
122.58
141.91
159.57
176.55
181.09
Book Value per Share
75.87
67.48
44.71
40.85
57.26
66.49
72.15
79.41
81.55
95.37
103.56
117.11
131.51
150.84
170.5
185.48
190.02
Tangible Book Value per Share
1
1
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Basic Weighted Avg Shares
53
55
61
66
67
67
68
70
75
91
82
91
108
129
136
140
140
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
2
1
1
1
1
1
1
1
1
1
- -
3
1
1
2
2
Depreciation Expense
-8
-7
-15
-8
11
18
11
14
17
27
15
24
25
34
34
30
28
Net Income, GAAP
- -
- -
- -
- -
- -
- -
22.32
20.67
18.61
15.7
20.8
18.79
20.41
23.39
24.46
19.18
19.18
Effective Tax Rate (%)
-14.93
-12.94
-23.65
-11.65
16.18
26.3
16.81
19.99
22.11
30.05
17.98
26.2
23.4
26.03
25.39
21.31
20.14
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
35
110
25
19
19
- -
- -
20
20
24
24
44
55
55
55
35
20
LT Debt
74
67
76
69
96
111
121
133
137
160
174
197
221
253
286
312
319
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-10.15
-10.2
-20.28
-10.57
14.9
20.99
11.89
13.07
14.04
20.38
9.68
13.93
12.98
15.14
13.61
10.54
9.67
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
260
331
319

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
491
499
430
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.92%
12.38%
8.79%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
11.42%
17.92%
-13.71%
Sales/Revenue/Turnover
8.06%
11.47%
2.81%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
35
34
34
33
136
2025
36
33
35
35
140
2026
36
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5.48
- -
- -
- -
20.52
2025
5.52
- -
- -
- -
17.71
2026
4.54
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Hvidbjerg Bank A/S is a Denmark-based regional bank providing a comprehensive range of banking products and services to private individuals and local businesses primarily in central and western Jutland, including the Limfjord area. The bank offers various deposit accounts; car, motorcycle, consumer and personal loans; housing financing and mortgages; credit cards; life, non-life and private insurance products including salary security; pension funds; investment services; self-service solutions, payment cards, travel currency, signature services, protected email, electronic and digital payments; online and mobile banking; as well as housing-related advisory services covering home purchases and sales, renovations, extensions, new construction, cooperative housing, mortgage brokerage and energy renovations. Founded in 1912 and headquartered in Thyholm, the bank operates through five dedicated local branches in Hvidbjerg/Hurup, Struer, Holstebro and Viborg, emphasizing customer-centric, localized advisory services delivered by dedicated relationship managers. In recent developments, Hvidbjerg Bank reported earnings for the half-year ended June 30, 2025, along with nine-month results to September 30, 2025, and conducted a partial redemption of its senior non-preferred bonds totaling 20 million kroner on June 2, 2025, leaving 15 million kroner outstanding; the bank also adjusted its pretax profit expectations upward for 2024 and issued its annual trading report for that year, reflecting solid operational performance amid stable regional banking conditions.