Swedbank AB (publ) (SWDBF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Swedbank AB (publ) (SWDBF) trades at $35.50 with AI Score 61/100 (Grade B+). Swedbank AB (publ) is a Swedish bank providing a range of financial services to individuals, companies, and institutions. Market cap: $39.89B, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for SWDBF: SWDBF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SWDBF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
SWDBF: the 4 perspectives are evenly split. Dominant signal: Seth Klarman bearish.
How is this calculated? →Swedbank AB (publ) (SWDBF) Financial Services Profile
Swedbank AB (publ), a Swedish bank established in 1820, delivers comprehensive financial solutions, including retail and corporate banking, asset management, and capital market services, primarily in Sweden and the Baltic countries. With a substantial market capitalization and a focus on digital banking, Swedbank navigates the evolving financial landscape while maintaining a strong dividend yield.
What Is the Investment Thesis for SWDBF?
Swedbank presents a compelling investment case based on its established market position, strong financial performance, and attractive dividend yield. With a market capitalization of $39.89B and a P/E ratio of 11.36, the bank demonstrates financial stability and profitability. The dividend yield of 6.55% offers investors a significant income stream. Key growth catalysts include the expansion of digital banking services and the increasing demand for sustainable financial products. However, potential risks include regulatory scrutiny and economic fluctuations in the Baltic region. The bank's beta of 0.51 suggests lower volatility compared to the overall market, making it a potentially stable investment.
Based on FMP financials and quantitative analysis
SWDBF Key Highlights
- Market capitalization of $39.89B reflects Swedbank's significant size and market presence.
- P/E ratio of 11.36 indicates a reasonable valuation compared to earnings.
- Profit margin of 27.7% demonstrates strong profitability and operational efficiency.
- Gross margin of 58.1% highlights the bank's ability to generate revenue from its services.
- Dividend yield of 6.55% provides an attractive income stream for investors.
Who Are SWDBF's Competitors?
SWDBF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BKHYY Bank Hapoalim B.M. | $117.05 | +2.04% | $30.62B | 47 |
| BKRKF PT Bank Rakyat Indonesia (Persero) Tbk | $0.16 | +0.00% | $24.09B | 66 |
| BKRKY PT Bank Rakyat Indonesia (Persero) Tbk | $7.82 | +4.97% | $23.55B | 60 |
| BLMIF Bank Leumi Le-Israel B.M. | $23.50 | +2.40% | $34.58B | 51 |
| DNBBF DNB Bank ASA | $31.54 | +0.27% | $45.21B | 66 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SWDBF's Key Strengths?
- Strong market position in Sweden and the Baltic region.
- Diversified range of financial products and services.
- Established brand reputation and customer loyalty.
- Solid financial performance and profitability.
What Are SWDBF's Weaknesses?
- Exposure to economic fluctuations in the Baltic region.
- Vulnerability to regulatory changes and compliance requirements.
- Dependence on traditional banking activities.
- Potential for reputational damage from ethical or governance issues.
What Could Drive SWDBF Stock Higher?
- Expansion of digital banking services to enhance customer experience and reduce operational costs.
- Growing demand for sustainable financial products, attracting environmentally conscious investors.
- Increased lending activities in the Baltic region, capitalizing on growing economies.
- Potential strategic partnerships and acquisitions to expand product offerings and geographic reach.
- Enhanced cross-selling opportunities to increase revenue per customer.
What Are the Key Risks for SWDBF?
- Financial-distress signal — its Altman Z-Score of -0.17 sits in the distress zone (elevated bankruptcy risk).
- Exposure to economic fluctuations in the Baltic region.
- Vulnerability to regulatory changes and compliance requirements.
- Increasing competition from fintech companies.
- Cybersecurity risks and data breaches.
- Geopolitical instability and political risks.
What Are the Growth Opportunities for SWDBF?
- Expansion of Digital Banking Services: Swedbank can further expand its digital banking services to attract and retain customers. The increasing adoption of mobile and online banking presents a significant opportunity to enhance customer experience and reduce operational costs. By investing in innovative digital solutions, Swedbank can gain a competitive edge and drive revenue growth. The market for digital banking is expected to grow substantially, offering Swedbank a large addressable market.
- Sustainable Financial Products: The growing demand for sustainable financial products provides Swedbank with an opportunity to develop and offer environmentally and socially responsible investment options. By aligning its products with sustainability principles, Swedbank can attract environmentally conscious investors and contribute to a more sustainable future. The market for sustainable investments is rapidly expanding, creating a significant growth opportunity for Swedbank.
- Increased Lending in the Baltic Region: Swedbank can capitalize on the growing economies in the Baltic region by increasing its lending activities. As businesses and individuals in Estonia, Latvia, and Lithuania require financing, Swedbank can expand its loan portfolio and generate additional revenue. The Baltic region offers attractive growth prospects due to its increasing integration with the European Union and its favorable business environment.
- Strategic Partnerships and Acquisitions: Swedbank can pursue strategic partnerships and acquisitions to expand its product offerings and geographic reach. By collaborating with other financial institutions and technology companies, Swedbank can enhance its capabilities and enter new markets. Strategic acquisitions can also provide Swedbank with access to new customer segments and technologies, driving long-term growth.
- Enhanced Cross-Selling Opportunities: Swedbank can improve its cross-selling efforts to increase revenue per customer. By offering a wider range of products and services to existing customers, Swedbank can deepen customer relationships and generate additional revenue streams. Effective cross-selling strategies can also improve customer loyalty and reduce customer attrition. The potential for cross-selling is significant, given Swedbank's diverse customer base and comprehensive product portfolio.
What Opportunities Does SWDBF Have?
- Expansion of digital banking services and fintech innovation.
- Growing demand for sustainable financial products.
- Increased lending in the Baltic region.
- Strategic partnerships and acquisitions.
What Threats Does SWDBF Face?
- Increasing competition from fintech companies.
- Economic downturns and financial crises.
- Cybersecurity risks and data breaches.
- Geopolitical instability and political risks.
What Are SWDBF's Competitive Advantages?
- Established brand reputation and customer loyalty.
- Extensive branch network and digital banking platform.
- Strong presence in Sweden and the Baltic region.
- Diversified range of financial products and services.
What Does SWDBF Do?
Swedbank AB (publ), originally founded in 1820 as ForeningsSparbanken, has evolved into a leading financial institution in Sweden and the Baltic region. Renamed Swedbank in 2006, the company provides a wide array of banking products and services to individuals, companies, and institutions. Its operations are divided into three primary segments: Swedish Banking, Baltic Banking, and Large Corporates & Institutions. These segments offer diverse services, including savings accounts, lending, payment solutions, and investment products. Swedbank's services encompass everything from basic banking transactions to complex financial solutions. For individuals, the bank provides savings accounts, mortgages, consumer financing, and various payment options, including debit and credit cards. For businesses, Swedbank offers corporate lending, trade finance, cash management, and investment banking services. The bank also provides asset management and life insurance services, catering to both individual and institutional clients. Geographically, Swedbank has a strong presence in Sweden, Estonia, Latvia, and Lithuania, with additional operations in Norway, Finland, Denmark, China, the United States, and South Africa. This extensive network allows Swedbank to serve a diverse customer base and capitalize on growth opportunities in different markets. With 153 branches in Sweden, 17 in Estonia, 21 in Latvia, and 42 in Lithuania, Swedbank maintains a significant physical presence alongside its digital banking platforms.
What Products and Services Does SWDBF Offer?
- Provides savings accounts and investment products.
- Offers private residential and corporate lending.
- Provides trade finance and factoring services.
- Offers debit and credit cards and payment solutions.
- Provides equity trading and corporate finance services.
- Offers asset management and life insurance services.
- Provides internet and mobile banking services.
How Does SWDBF Make Money?
- Generates revenue from interest on loans and advances.
- Earns fees from payment services and card transactions.
- Derives income from asset management and investment banking activities.
- Collects premiums from life insurance and pension products.
What Industry Does SWDBF Operate In?
Swedbank operates within the regional banking sector, which is characterized by increasing competition from fintech companies and evolving regulatory landscapes. The industry is experiencing a shift towards digital banking, with customers demanding more convenient and accessible services. Swedbank's focus on digital transformation positions it well to capitalize on this trend. The competitive landscape includes both traditional banks and new digital players, requiring Swedbank to continuously innovate and adapt to maintain its market position. Competitors include BKHYY (Danske Bank), BKRKF (DNB ASA), BKRKY (OP Corporate Bank), BLMIF (Nordea Bank Abp), and DNBBF (Skandinaviska Enskilda Banken AB).
Who Are SWDBF's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized enterprises (SMEs) requiring business financing.
- Large corporations needing investment banking solutions.
- Institutional investors seeking asset management services.
Company Profile
Swedbank AB (publ) operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Sundbyberg, SE. The company is led by CEO Jens Henriksson. SWDBF has traded publicly since 2006.
F-Score 5/9Financial Health
Swedbank AB (publ)'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.17 places it in the distress zone, a signal of elevated financial risk.
ROE 15%Key Financial Metrics
Return on equity for Swedbank AB (publ) stands at 15.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. SWDBF trades at a trailing price-to-earnings ratio of 12.80, below the Financial Services sector average of ~18x. Its free cash flow yield is -11.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.27 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.8%, the inverse of the P/E and a quick read on earnings relative to price.
SWDBF Valuation & Market Position
With a $39.89B market cap, Swedbank AB (publ) sits in the large-cap segment of the market. Relative to its peer group, SWDBF's quantitative score of 61/100 is roughly in line with the peer average of 58/100.
FY2026 estForward Outlook
Wall Street analysts project Swedbank AB (publ) revenue of about $70.18B for fiscal 2026, with EPS near $26.86. The estimate reflects 10 contributing analysts.
SWDBF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Swedbank's recent insider buying suggests those in the know believe the stock is undervalued, mirroring situations like when company executives loaded up on Apple shares before major product launches. Community sentiment seems cautiously optimistic, possibly seeing Swedbank as a stable player in a volatile market, similar to how investors viewed Johnson & Johnson during economic downturns. The market generally perceives Swedbank as a reliable dividend payer, which attracts long-term investors seeking steady income, like utilities stocks. Despite challenges, some see Swedbank as positioned to benefit from rising interest rates, much like banks in the early 2000s.
Bear Case
- Recent community discussions highlight concerns about Swedbank's exposure to the Baltic economies, drawing parallels to worries about European banks during the Greek debt crisis. Negative news coverage regarding potential regulatory scrutiny is weighing on market sentiment, similar to how Volkswagen's emissions scandal impacted its stock. Some traders are worried about Swedbank's ability to compete with fintech disruptors, echoing concerns about traditional retailers facing Amazon. Bearish sentiment suggests Swedbank's growth prospects are limited due to its established market position, similar to mature companies like Coca-Cola.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
SWDBF Latest News
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New 52-Week Lows for Tuesday Morning
· Jul 30, 2019
SWDBF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SWDBF.
Price Targets
Wall Street price target analysis for SWDBF.
SWDBF MoonshotScore
What does this score mean?
The MoonshotScore rates SWDBF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Jens Henriksson
President and CEO
Jens Henriksson serves as the President and CEO of Swedbank. His career spans various leadership roles in the financial sector. Prior to joining Swedbank, he held prominent positions at Danske Bank and the Swedish Ministry of Finance. Henriksson brings extensive experience in banking, finance, and economic policy to his role at Swedbank. His expertise includes strategic planning, risk management, and regulatory compliance. He is also known for his focus on sustainable banking practices and digital transformation.
Track Record: Since assuming the role of President and CEO, Jens Henriksson has focused on strengthening Swedbank's position as a leading financial institution in the Nordic and Baltic regions. Key achievements under his leadership include enhancing digital banking capabilities, improving customer satisfaction, and reinforcing risk management frameworks. He has also overseen the implementation of sustainable banking initiatives and the expansion of Swedbank's product offerings. Henriksson has navigated the bank through various economic and regulatory challenges, maintaining a focus on long-term value creation.
SWDBF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Swedbank AB (publ) (SWDBF) may have limited regulatory oversight and disclosure requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies in this tier may not meet the minimum financial standards or reporting requirements necessary for listing on higher-tier exchanges. This tier is often associated with increased risk due to the potential for less transparency and liquidity. Investors should exercise caution and conduct thorough due diligence before investing in companies trading on the OTC Other tier.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited regulatory oversight and disclosure requirements.
- Lower trading volumes and liquidity.
- Wider bid-ask spreads.
- Greater price volatility.
- Potential for less transparency and financial information.
- Verify the company's financial statements and disclosures.
- Assess the company's management team and track record.
- Evaluate the company's business model and competitive position.
- Review the company's regulatory filings and compliance history.
- Check for any legal or regulatory issues.
- Assess the company's liquidity and trading volume.
- Consult with a financial advisor.
- Established presence in Sweden and the Baltic region.
- Diversified range of financial products and services.
- History of operations dating back to 1820.
- Substantial market capitalization.
- Dividend payments to shareholders.
SWDBF Financial Services Stock FAQ
What does Swedbank AB (publ) do?
Swedbank AB (publ) is a leading financial institution in Sweden and the Baltic region, providing a comprehensive range of banking products and services to individuals, companies, and institutions. Its services include savings accounts, lending, payment solutions, asset management, and investment banking. The bank operates through three primary segments: Swedish Banking, Baltic Banking, and Large Corporates & Institutions, offering tailored financial solutions to meet the diverse needs of its customers. Swedbank also focuses on digital banking and sustainable financial products.
What are the main risks for SWDBF?
The main risks for SWDBF include exposure to economic fluctuations in the Baltic region, vulnerability to regulatory changes and compliance requirements, increasing competition from fintech companies, cybersecurity risks and data breaches, and geopolitical instability. Economic downturns in the Baltic region could negatively impact Swedbank's lending activities and profitability. Regulatory changes and compliance requirements could increase operational costs and limit growth opportunities. Cybersecurity risks and data breaches could damage the bank's reputation and result in financial losses. Geopolitical instability could disrupt business operations and increase uncertainty.
What are the key factors to evaluate for SWDBF?
Swedbank AB (publ) (SWDBF) holds an AI score of 61/100 (moderate). Not financial advice.
How frequently does SWDBF data refresh on this page?
SWDBF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven SWDBF's recent stock price performance?
Swedbank AB (publ) (SWDBF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in Sweden and the Baltic region. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SWDBF overvalued or undervalued right now?
Valuing Swedbank AB (publ) (SWDBF) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying SWDBF?
Before investing in Swedbank AB (publ) (SWDBF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding SWDBF to a portfolio?
Key strength of Swedbank AB (publ) (SWDBF): Strong market position in Sweden and the Baltic region. Its MoonshotScore of 61/100 reflects solid quantitative fundamentals. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC data may be less reliable than exchange-listed data.
- AI analysis pending for SWDBF.