Nordfyns Bank A/S (NRDF.CO)
ValueMarkers Composite Index
72% below intrinsic value ($311)
Nordfyns Bank A/S (NRDF.CO) — VMCI valuation read
Nordfyns Bank A/S sits at VMCI 57/100, with the Financial Services sector median at 50. That 7-point spread is the first thing to note on NRDF.CO: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on NRDF.CO are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on NRDF.CO: NRDF.CO trades at 24.0x earnings, 33% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 8.0% trails the Financial Services median (10.0%) by 2.0pp. The Risk read: net debt to EBITDA of -0.8x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.
NRDF.CO rose 1.1% over the trailing 7 days, with a -2.3% read on a 30-day basis.
Nordfyns Bank A/S provides banking and related financial products to individuals, and small and medium-sized businesses in Denmark. The company offers accounts and deposits, loans, and savings products; and debit cards, mobile banking, and currency and travel currency services. Nordfyns Bank A/S was founded in 1897 and is headquartered in Odense, Denmark.
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