0.00%
0.29%
-0.28%
0.00%
1.45%
48.62%
45.83%
AI Spotlight on OBS
Company Description
Oberbank AG provides various banking products and services.The company operates through Corporate and Business Banking, Personal Banking, and Financial Markets segments.It provides savings, youth, student, and business accounts; consumer and housing finance; working capital loans; car and equipment leasing; factoring and guarantees; life insurance; credit and debit cards; export financing; and private banking.
The company also offers securities investment, e-banking, cash management, real estate leasing, foreign payment transaction, forfaiting, accounts receivable, documentary, currency hedging, and wealth management services.Oberbank AG was founded in 1869 and is headquartered in Linz, Austria.
Market Data
| Last Price | 70 |
| Change Percentage | 0.00% |
| Open | 70 |
| Previous Close | 70 |
| Market Cap ( Millions) | 4943 |
| Volume | 3717 |
| Year High | 70.6 |
| Year Low | 67 |
| M A 50 | 70.07 |
| M A 200 | 69.97 |
Financial Ratios
| FCF Yield | 2.29% |
| Dividend Yield | 1.43% |
| ROE | 9.23% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -1442.39% |
| Price To Book | 1.22 |
| Price Earnings Ratio | 13.64 |
| Price To FCF | 43.76 |
| Price To sales | 3.91 |
| EV / EBITDA | 14.21 |
News
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Corporate and Business Banking
Expected Growth : 4.5 %
What the company do ?
Corporate and Business Banking from Oberbank AG provides customized financial solutions for businesses, including cash management, trade finance, and lending services.
Why we expect these perspectives ?
Growing demand for customized financial solutions, increasing adoption of cashless transactions, and rising need for trade finance and lending services among businesses are expected to drive the growth of Corporate and Business Banking segment of Oberbank AG.
Segment n°2 -> Personal Banking
Expected Growth : 5.3 %
What the company do ?
Personal Banking from Oberbank AG offers private customers a range of financial services, including accounts, credit cards, loans, and investment products.
Why we expect these perspectives ?
Growing demand for digital banking, increasing adoption of online payment systems, and rising need for personalized financial services drive the growth of Oberbank AG's personal banking segment.
Segment n°3 -> Financial Markets
Expected Growth : 5.2 %
What the company do ?
Oberbank AG's Financial Markets segment provides trading and investment services, including foreign exchange, commodities, and interest rate products to corporate and institutional clients.
Why we expect these perspectives ?
Growing demand for trading and investment services, increasing corporate and institutional clients, and expansion of foreign exchange, commodities, and interest rate products drive growth in Oberbank AG's Financial Markets segment.
Segment n°4 -> Other
Expected Growth : 4.5 %
What the company do ?
Oberbank AG's 'Other' segment includes income from financial investments, dividends, and other financial transactions not classified under other segments.
Why we expect these perspectives ?
Oberbank AG's 'Other' segment is expected to grow driven by increasing financial investments, steady dividend income, and a rise in other financial transactions. The segment's growth is also fueled by the bank's strategic expansion into new markets and its focus on diversifying its revenue streams.
Oberbank Ag Products
| Product Range | What is it ? |
|---|---|
| Private Banking | Oberbank AG offers personalized private banking services to high net worth individuals, providing tailored financial solutions and investment advice. |
| Corporate Banking | Oberbank AG provides corporate banking services to businesses, including cash management, trade finance, and risk management solutions. |
| Retail Banking | Oberbank AG offers a range of retail banking services, including current accounts, credit cards, and personal loans. |
| Investment Banking | Oberbank AG provides investment banking services, including mergers and acquisitions, equity and debt capital markets, and restructuring advisory. |
| Asset Management | Oberbank AG offers asset management services, including portfolio management and investment advice. |
| Leasing | Oberbank AG provides leasing services for equipment, vehicles, and real estate. |
| Factoring | Oberbank AG offers factoring services, including invoice financing and accounts receivable management. |
Oberbank AG's Porter Forces
Threat Of Substitutes
The threat of substitutes for Oberbank AG is medium due to the presence of alternative banking services and financial institutions.
Bargaining Power Of Customers
The bargaining power of customers for Oberbank AG is low due to the bank's strong brand reputation and customer loyalty.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Oberbank AG is medium due to the bank's dependence on technology and infrastructure providers.
Threat Of New Entrants
The threat of new entrants for Oberbank AG is high due to the increasing trend of fintech companies and digital banking platforms.
Intensity Of Rivalry
The intensity of rivalry for Oberbank AG is high due to the competitive nature of the banking industry and the presence of established players.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 66.29% |
| Debt Cost | 3.95% |
| Equity Weight | 33.71% |
| Equity Cost | 4.47% |
| WACC | 4.12% |
| Leverage | 196.64% |
Oberbank AG : Quality Control
Oberbank AG passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| MB.MI | Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally. The company operates through Wealth Management, Consumer Banking, Corporate and … |
| FBK.MI | FinecoBank Banca Fineco S.p.A. provides banking and investment products and services. The company operates through Banking, Brokerage, and Investing segments. The company offers banking services, including current account and deposit … |
| UNI.MC | Unicaja Banco, S.A. provides various banking products and services to individuals and companies in Spain and internationally. It offers accounts, payments, and debit and credit cards; mortgages and personal loans; … |
| BCVN.SW | Banque Cantonale Vaudoise provides a range of financial services in Vaud Canton and rest of Switzerland, the European Union, North America, and internationally. The company offers current, savings, and retirement … |
| BPE.MI | BPER Banca SpA provides banking products and services for individuals, and businesses and professionals in Italy and internationally. The company operates through Retail, Private, Corporate, Large Corporate, Finance, Corporate Center, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Mediobanca
A-Score
1-Year Total Return ->
🥈
FinecoBank
A-Score
1-Year Total Return ->
🥉
Unicaja Banco
A-Score
1-Year Total Return ->
4
BPER Banca
A-Score
1-Year Total Return ->
5
Oberbank
A-Score
1-Year Total Return ->
6
