SJF Bank A/S (FRA:4AC) Altman Z-Score

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 A/S FRA:4AC
49 GF Score
Price €53.50
GF Value €34.83
Valuation Significantly Overvalued
! 8 Warning Signs
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What is SJF Bank A/S Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

FRA:4AC
49GF Score
SJF Bank A/S FRA:4AC
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is SJF Bank A/S (FRA:4AC) Overvalued in 2026?

Based on GuruFocus' analysis, SJF Bank A/S stock appears to be overvalued. The current stock price of €53.50 is trading 53.6% above its estimated GF Value™ of €34.83. GuruFocus considers SJF Bank A/S to be Significantly Overvalued.

Key valuation signals for FRA:4AC:

  • Altman Z-Score:
  • GF Value™: €34.83 vs. price of €53.50 (53.6% above fair value)
  • GF Score™: 49/100 with 8 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 A/S 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

Altman Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€53.50
Price
€34.83
GF Value