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1. Company Snapshot

1.a. 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.

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1.b. Last Insights on OBS

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1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Does Oberbank's Recent 9% Rally in 2025 Leave Room for Further Growth?

Sep -15

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Oberbank (WBAG:OBS) Valuation: Is There Untapped Value After Recent Share Momentum?

Sep -14

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LVMH: Share transactions disclosure

Sep -09

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The BANK of Greenland issued and early redemption of Senior Non-Preferred capital

Sep -09

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Cointreau Launches First-Ever Ready-To-Serve Range – Introducing Cointreau Citrus Spritz

Sep -09

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What Does the Steep 20% Drop Mean for Rémy Cointreau’s 2025 Outlook?

Sep -09

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Société Foncière Lyonnaise (ENXTPA:FLY): Assessing Valuation After a Year of Solid Share Price Gains

Sep -09

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Minor Hotels Europe & Americas (BME:NHH): Exploring Valuation After Steady Share Performance

Sep -09

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.82%)

6. Segments

Corporate and Business Banking

Expected Growth: 4.5%

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.

Personal Banking

Expected Growth: 5.3%

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.

Financial Markets

Expected Growth: 5.2%

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.

Other

Expected Growth: 4.5%

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.

7. Detailed Products

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.

8. Oberbank AG's Porter Forces

Forces Ranking

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.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 66.29%
Debt Cost 3.95%
Equity Weight 33.71%
Equity Cost 4.47%
WACC 4.12%
Leverage 196.64%

11. Quality Control: Oberbank AG passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Unicaja Banco

A-Score: 7.1/10

Value: 7.5

Growth: 3.4

Quality: 7.1

Yield: 8.1

Momentum: 10.0

Volatility: 6.3

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FinecoBank

A-Score: 7.0/10

Value: 3.6

Growth: 7.8

Quality: 8.8

Yield: 6.9

Momentum: 8.0

Volatility: 7.0

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BPER Banca

A-Score: 6.7/10

Value: 6.6

Growth: 5.2

Quality: 6.2

Yield: 8.1

Momentum: 9.5

Volatility: 4.7

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Mediobanca

A-Score: 6.7/10

Value: 5.5

Growth: 5.1

Quality: 7.1

Yield: 10.0

Momentum: 6.5

Volatility: 6.0

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BCV

A-Score: 6.5/10

Value: 4.0

Growth: 5.8

Quality: 4.9

Yield: 7.5

Momentum: 7.0

Volatility: 9.7

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Oberbank

A-Score: 5.2/10

Value: 4.1

Growth: 7.0

Quality: 4.8

Yield: 2.5

Momentum: 3.0

Volatility: 10.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

76.2$

Current Price

76.2$

Potential

-0.00%

Expected Cash-Flows