ScoreWhy is TF Bank AB ?
1
Strong Long Term Fundamental Strength with a 26.72% CAGR growth in Net Profits
- High Margins signify the bank has been able to generate higher profits from its interest bearing assets
2
The company has declared Positive results for the last 4 consecutive quarters
- NII(Q) Highest at SEK 736.24 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 176.81%
- DIVIDEND PER SHARE(HY) Highest at SEK 0
3
With ROA of 1.34%, it has a expensive valuation with a 4.10 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 38.40%, its profits have risen by 49.4%
4
Consistent Returns over the last 3 years
- Along with generating 38.40% returns in the last 1 year, the stock has outperformed OMX Stockholm 30 in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to TF Bank AB should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is TF Bank AB for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
TF Bank AB
38.4%
-0.34
77.10%
OMX Stockholm 30
10.97%
0.59
18.59%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
30.77%
EBIT Growth (5y)
29.14%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
50.40%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
4.10
EV to EBIT
16.86
EV to EBITDA
15.40
EV to Capital Employed
3.58
EV to Sales
3.65
PEG Ratio
NA
Dividend Yield
0.06%
ROCE (Latest)
21.21%
ROE (Latest)
24.23%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at SEK 736.24 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 176.81%
DIVIDEND PER SHARE(HY)
Highest at SEK 0
CREDIT DEPOSIT RATIO(HY)
Highest at 111.24%
NET SALES(Q)
Highest at SEK 945.21 MM
OPERATING PROFIT(Q)
Highest at SEK 240.39 MM
-1What is not working for the Company
CASH AND EQV(HY)
Lowest at SEK 35.44 MM
Here's what is working for TF Bank AB
NII
Highest at SEK 736.24 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at SEK 945.21 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (SEK MM)
Operating Profit
Highest at SEK 240.39 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (SEK MM)
Dividend per share
Highest at SEK 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (SEK)
Credit Deposit Ratio
Highest at 111.24%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 176.81%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at SEK 19.11 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (SEK MM)
Here's what is not working for TF Bank AB
Cash and Eqv
Lowest at SEK 35.44 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Capital Adequacy Ratio
Lowest at 14.2%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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