ScoreWhy is TF Bank AB ?
1
Strong Long Term Fundamental Strength with a 29.06% 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 633.99 MM
- NET PROFIT(9M) Higher at SEK 521.53 MM
- OPERATING PROFIT(Q) Highest at SEK 192.62 MM
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 35.34%, its profits have risen by 49.4%
4
Market Beating Performance
- The stock has generated a return of 35.34% in the last 1 year, much higher than market (OMX Stockholm 30) returns of 8.01%
Real-Time Research ReportHow much should you hold?
- 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
35.34%
-0.33
78.48%
OMX Stockholm 30
8.01%
0.44
18.11%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
30.41%
EBIT Growth (5y)
28.42%
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
0
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
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly 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 Trend7What is working for the Company
NII(Q)
Highest at SEK 633.99 MM
NET PROFIT(9M)
Higher at SEK 521.53 MM
OPERATING PROFIT(Q)
Highest at SEK 192.62 MM
-1What is not working for the Company
CASH AND EQV(HY)
Lowest at SEK 35.8 MM
Here's what is working for TF Bank AB
NII
Highest at SEK 633.99 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA (%)
Net Profit
At SEK 521.53 MM has Grown at 60.33%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (SEK MM)
Operating Profit
Highest at SEK 192.62 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (SEK MM)
Net Profit
Higher at SEK 521.53 MM
than preceding 12 month period ended Jun 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (SEK MM)
Here's what is not working for TF Bank AB
Cash and Eqv
Lowest at SEK 35.8 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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