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    Regional banks
Danske Andelskassers Bank A/S

Danske Andelskassers Bank A/S

14.20
DKK
-0.55
(-3.73%)
0.99EPS
16.38P/E
3.62BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.61
8.58
10.49
4.64
4.67
3.79
4.84
3.29
3.49
3.15
4.03
4.01
3.83
3.71
Basic EPS, GAAP
-4.78
0.25
-0.21
0.31
0.68
0.87
2.05
0.61
1.04
0.8
1.38
1.28
1.23
0.99
Free Cash Flow per Basic Share
7.2
3.51
-2.16
0.21
0.06
-1.76
4.16
-4.42
3.13
-0.17
-1.98
1.33
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
0.52
0.14
0.29
0.19
0.38
- -
- -
Book Value per Share
10.49
10.75
9.8
10.15
9.62
9.69
11.19
10.84
11.62
12.03
12.7
13.58
13.19
13.28
Tangible Book Value per Share
10.49
10.75
9.8
10.15
9.62
9.69
11.19
10.84
11.62
12.03
12.7
13.58
13.19
13.28
Basic Weighted Avg Shares
80
80
56
122
124
147
170
185
190
186
215
223
223
225
Sales/Revenue/Turnover
689
687
585
568
577
557
824
609
662
586
865
894
853
834
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
8
4
4
5
7
4
11
11
10
9
9
21
22
25
Net Income, GAAP
-382
20
-12
38
84
128
349
113
198
149
296
287
274
223
Effective Tax Rate (%)
- -
11.88
- -
24.07
16.24
- -
- -
9.03
2.22
- -
2.71
19.19
- -
- -
Profit Margin (%)
-55.51
2.97
-2.03
6.69
14.65
22.88
42.4
18.57
29.82
25.49
34.18
32.06
32.08
26.71
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
659
441
131
131
19
104
152
411
245
345
342
487
688
684
Total Equity
840
860
1,200
1,243
1,416
1,427
1,982
2,043
2,206
2,286
2,834
3,029
2,940
2,960
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
1.46
- -
2.81
6.01
- -
- -
4.93
8.05
- -
10.18
8.57
- -
- -
Return on Common Equity (%)
-37.09
2.4
-1.15
3.11
6.35
8.98
20.49
5.62
9.3
6.65
11.55
9.78
9.17
7.36

Capital Structure

DKK

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
223
223
223
Market Capitalization
3,390
- -
3,622

Working Capital

DKK

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,555
1,059
1,328
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

DKK

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.98%
7.91%
-2.94%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
0.05%
28.16%
-4.5%
Sales/Revenue/Turnover
6.06%
8.75%
-4.56%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
219
220
239
216
894
2025
220
219
209
205
853
2026
201
- -
- -
- -
- -

Quarterly Earnings Per Share

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.32
0.32
0.42
0.21
1.28
2025
0.32
0.3
0.35
0.24
1.23
2026
0.1
- -
- -
- -
- -

Quarterly Dividends Per Share

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.38
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Jan Pedersen
Full Time Employees
334
Sector
Finance
Industry
Regional banks
Address
Dusager 18 Aarhus Nord Denmark 8200
IPO Date
Jul 7, 2011
Website
andelskassen.dk
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Business
Danske Andelskassers Bank A/S operates as a regional bank in Denmark, providing a comprehensive range of banking products and services to private individuals, small- and medium-sized businesses, institutional customers, and agricultural clients primarily in the Jutland region and on Funen island; core offerings include deposit products such as checking, savings, and term certificate accounts, loans and credit facilities encompassing mortgages, home equity, building, restructuring, energy, car, consumer, and overdraft loans, debit and credit cards, pension products, insurance coverage for death, sickness, home, accident, annuity, auto, travel, holiday home, motorcycle, and pets, investment products, debt management, self-service facilities, net and mobile banking, ATMs, SMS services, and payment solutions, as well as specialized sustainable financing options like Klima BIL for electric or hybrid vehicles and Klima BOLIG for energy-efficient home improvements. Founded in 1969 and headquartered at Baneskellet 1, Hammershøj, Tjele, 8830 Viborg, Denmark, the bank maintains approximately 30 branches organized into six business centers and employs around 324 staff, with subsidiaries DAB Invest A/S handling group property leasing and DAB Invest 2 focused on property development and sales from customer debt settlements. In recent developments, the bank raised its 2024 profit before tax outlook to approximately DKK 355 million from a prior range of DKK 290-340 million and issued its Q3 2025 quarterly trading report, while Spar Nord Bank increased its stake to 36.67% from 32.07%, triggering a mandatory takeover bid evaluation, and the company continues to emphasize ESG initiatives and relationship-based advisory services through its Andelskassen brand.