SJF Bank AS (FRA:4AC) ROC (Joel Greenblatt) %: % (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:4AC SJF Bank AS FRA:4AC
49 GF Score
Price €59.00
GF Value €37.34
Valuation Significantly Overvalued
! 9 Warning Signs
View Full Analysis

What is SJF Bank AS ROC (Joel Greenblatt) %?

SJF Bank AS FRA:4AC -1.50% 49 ROC (Joel Greenblatt) % is % as of Jun. 2026. GuruFocus rates FRA:4AC with a GF Score™ of 49/100 and a GF Value™ of €37.34 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 47 Banks companies, SJF Bank AS ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FRA:4AC
49GF Score
SJF Bank AS FRA:4AC
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
SJF Bank AS (FRA:4AC) has a ROC (Joel Greenblatt) % of % as of Jun. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on SJF Bank AS and its competitors. According to the industry distribution chart, SJF Bank AS ranks #999999 out of 47 companies in the Banks industry.
Is SJF Bank AS's ROC (Joel Greenblatt) % too high?
SJF Bank AS's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, SJF Bank AS ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SJF Bank AS has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SJF Bank AS's ROC (Joel Greenblatt) % compare to competitors?
According to the Banks industry distribution chart, SJF Bank AS ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places SJF Bank AS in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 50.71. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 50.71, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on SJF Bank AS and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 50.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SJF Bank AS's current ROC (Joel Greenblatt) % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SJF Bank AS stock overvalued right now?
Based on GuruFocus' analysis, SJF Bank AS (FRA:4AC) is currently considered Significantly Overvalued. The stock's GF Value™ is €37.34, compared to a current price of €59.00 — trading 58% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. SJF Bank AS's overall GF Score™ is 49/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For SJF Bank AS (FRA:4AC), the current ROC (Joel Greenblatt) % is % as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SJF Bank AS (FRA:4AC) Overvalued in 2026?

Based on GuruFocus' analysis, SJF Bank AS stock appears to be overvalued. The current stock price of €59.00 is trading 58% above its estimated GF Value™ of €37.34. GuruFocus considers SJF Bank AS to be Significantly Overvalued.

Key valuation signals for FRA:4AC:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: €37.34 vs. price of €59.00 (58% above fair value)
  • GF Score™: 49/100 with 9 warning signs

No single metric tells the full story. See the FRA:4AC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SJF Bank AS Business Description

Other Exchanges 0RD0:UKSJF:Denmark
Address Isefjords Alle 5, Holbaek, DNK, 4300
SJF Bank A/S provides banking products and services in Denmark. Its products and services include net banking, commercial insurance, mobile banking, rental of commercial lease, financing, insurance and pension.
49GF Score

Get the complete analysis for FRA:4AC

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€59.00
Price
€37.34
GF Value