SJF Bank A/S (OCSE:SJF) ROE % Adjusted to Book Value: 14.70% (As of Mar. 2026)


OCSE:SJF SJF Bank A/S OCSE:SJF
69 GF Score
Price kr366.00
GF Value kr265.53
Valuation Significantly Overvalued
! 7 Warning Signs
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What is SJF Bank A/S ROE % Adjusted to Book Value?

SJF Bank A/S OCSE:SJF +0.14% 69 ROE % Adjusted to Book Value is 14.70% as of Mar. 2026. GuruFocus rates OCSE:SJF with a GF Score™ of 69/100 and a GF Value™ of kr265.53 (Significantly Overvalued). The stock has 7 warning signs investors should review.

SJF Bank A/S's ROE % for the quarter that ended in Mar. 2026 was 14.41%. SJF Bank A/S's PB Ratio for the quarter that ended in Mar. 2026 was 0.98. SJF Bank A/S's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 14.70%.

SJF Bank A/S ROE % Adjusted to Book Value Related Terms

SJF Bank A/S ROE % Adjusted to Book Value Historical Data

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The historical data trend for SJF Bank A/S's ROE % Adjusted to Book Value can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SJF Bank A/S ROE % Adjusted to Book Value Chart

SJF Bank A/S Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.48 11.58 16.95 15.69 10.42

SJF Bank A/S Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 15.62 10.75 11.31 8.88 14.70

SJF Bank A/S ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, SJF Bank A/S's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

SJF Bank A/S ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, SJF Bank A/S's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where SJF Bank A/S's ROE % Adjusted to Book Value falls into.


OCSE:SJF
69GF Score
SJF Bank A/S OCSE:SJF
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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SJF Bank A/S ROE % Adjusted to Book Value Calculation

SJF Bank A/S's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=12.29% / 1.18
=10.42%

SJF Bank A/S's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.41% / 0.98
=14.70%

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a ROE % Adjusted to Book Value of 14.70% mean?
SJF Bank A/S (OCSE:SJF) has a ROE % Adjusted to Book Value of 14.70% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on SJF Bank A/S and its competitors.
Is SJF Bank A/S's ROE % Adjusted to Book Value too high?
SJF Bank A/S's current ROE % Adjusted to Book Value is 14.70%. Overall, SJF Bank A/S has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SJF Bank A/S's ROE % Adjusted to Book Value compare to competitors?
SJF Bank A/S's ROE % Adjusted to Book Value of 14.70% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on SJF Bank A/S and its competitors. SJF Bank A/S's current ROE % Adjusted to Book Value is 14.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SJF Bank A/S stock overvalued right now?
Based on GuruFocus' analysis, SJF Bank A/S (OCSE:SJF) is currently considered Significantly Overvalued. The stock's GF Value™ is kr265.53, compared to a current price of kr366.00 — trading 37.8% above its estimated fair value. The current ROE % Adjusted to Book Value is 14.70%. SJF Bank A/S's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For SJF Bank A/S (OCSE:SJF), the current ROE % Adjusted to Book Value is 14.70% as of Mar. 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 A/S (OCSE:SJF) Overvalued in 2026?

Based on GuruFocus' analysis, SJF Bank A/S stock appears to be overvalued. The current stock price of kr366.00 is trading 37.8% above its estimated GF Value™ of kr265.53. GuruFocus considers SJF Bank A/S to be Significantly Overvalued.

Key valuation signals for OCSE:SJF:

  • ROE % Adjusted to Book Value: 14.70%
  • GF Value™: kr265.53 vs. price of kr366.00 (37.8% above fair value)
  • GF Score™: 69/100 with 7 warning signs

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

SJF Bank A/S Business Description

Other Exchanges 0RD0:UK4AC:Germany
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.
69GF Score

Get the complete analysis for OCSE:SJF

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr366.00
Price
kr265.53
GF Value