1.23%
4.68%
5.58%
4.68%
2.07%
12.59%
6.72%
AI Spotlight on BEKN
Company Description
Berner Kantonalbank AG, a cantonal bank, offers various banking products and financial services to private individuals and corporate customers in Switzerland.It offers investment, shareholder, youth, education, and SME savings accounts; deposit, current, rental, payment, pension, and client funds accounts; investment products; bank cards and credit cards; and pension products.The company also provides mortgages and financing products; business, investment, and real estate financing services; safeguards and guarantees; and asset management services, including strategy consulting, portfolio optimization and simulation, investment advisory, investment funds, and securities accounting services, as well as trades in stocks, bonds, derivatives, currencies, and money market instruments.
Berner Kantonalbank AG operates through a network of 60 branches.The company was formerly known as Kantonalbank von Bern and changed its name to Berner Kantonalbank AG in 1991.Berner Kantonalbank AG was founded in 1834 and is headquartered in Bern, Switzerland.
Market Data
| Last Price | 246 |
| Change Percentage | 1.23% |
| Open | 244 |
| Previous Close | 243 |
| Market Cap ( Millions) | 2272 |
| Volume | 4591 |
| Year High | 253 |
| Year Low | 226 |
| M A 50 | 235.92 |
| M A 200 | 235.59 |
Financial Ratios
| FCF Yield | -13.76% |
| Dividend Yield | 4.07% |
| ROE | 6.04% |
| Debt / Equity | 268.57% |
| Net Debt / EBIDTA | 48.95% |
| Price To Book | 0.78 |
| Price Earnings Ratio | 13.01 |
| Price To FCF | -7.27 |
| Price To sales | 3.51 |
| EV / EBITDA | 9.23 |
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Mortgage, Receipt of Client Funds, Asset Consulting and Asset Management
Expected Growth : 4.5 %
What the company do ?
Mortgage: financing for property purchases. Receipt of Client Funds: holding client money. Asset Consulting: investment advice. Asset Management: investment portfolio management, all from Berner Kantonalbank AG.
Why we expect these perspectives ?
Growing demand for mortgage financing, increasing client funds, and rising need for asset consulting and management services drive growth for Berner Kantonalbank AG. Strong economic conditions, low interest rates, and increasing property values support the growth hypothesis.
Berner Kantonalbank Ag Products
| Product Range | What is it ? |
|---|---|
| Private Banking | Personalized financial services for private individuals, including investment advice, portfolio management, and wealth planning. |
| Corporate Banking | Financial solutions for businesses, including cash management, trade finance, and risk management. |
| Mortgage Lending | Competitive mortgage rates and flexible repayment terms for individuals and businesses. |
| Investment Products | A range of investment products, including mutual funds, exchange-traded funds, and structured products. |
| Payment Services | Efficient and secure payment solutions for individuals and businesses. |
| Digital Banking | Online and mobile banking services for convenient and secure banking. |
| Wealth Management | Comprehensive wealth management services, including investment advice and portfolio management. |
Berner Kantonalbank AG's Porter Forces
Threat Of Substitutes
The threat of substitutes for Berner Kantonalbank AG is moderate, as customers have alternative banking options available in the market.
Bargaining Power Of Customers
The bargaining power of customers is low, as Berner Kantonalbank AG has a strong customer base and a wide range of financial products and services.
Bargaining Power Of Suppliers
The bargaining power of suppliers is moderate, as Berner Kantonalbank AG relies on a few large suppliers for its operations, but has some flexibility in negotiating prices.
Threat Of New Entrants
The threat of new entrants is low, as entering the banking industry requires significant capital and regulatory approvals, making it difficult for new players to enter the market.
Intensity Of Rivalry
The intensity of rivalry is high, as Berner Kantonalbank AG operates in a highly competitive banking industry with many established players, leading to intense competition for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 76.64% |
| Debt Cost | 3.95% |
| Equity Weight | 23.36% |
| Equity Cost | 5.11% |
| WACC | 4.22% |
| Leverage | 328.06% |
Berner Kantonalbank AG : Quality Control
Berner Kantonalbank AG passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| BPSO.MI | Banca Popolare di Sondrio S.p.A., together with its subsidiaries, provides various banking products and services in Italy. The company offers current accounts, savings deposits, certificates of deposits, time deposit accounts, … |
| LLBN.SW | Liechtensteinische Landesbank Aktiengesellschaft provides banking products and services in Liechtenstein, Switzerland, Austria, Europe, North and South America, Africa, Asia, and internationally. It operates through three segments: Retail & Corporate Banking, … |
| BCGE.SW | Banque Cantonale de Genève SA provides a range of banking services to private, corporate, and institutional clients. The company offers current and individual accounts, savings accounts, safe deposit boxes, currencies, … |
| BNP.WA | BNP Paribas Bank Polska S.A. provides a range of banking services in Poland. The company operates through Retail and Business Banking; Small and Medium Enterprises; Corporate Banking; Corporate and Institutional … |
| BGN.MI | Banca Generali S.p.A. distributes financial products and services for affluent and private customers through financial advisors primarily in Italy. It operates through Wealth Management Cash-Generating Unit (CGU) and Private Banking … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Banca Generali
A-Score
1-Year Total Return ->
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LLB
A-Score
1-Year Total Return ->
🥉
Banca Sondrio
A-Score
1-Year Total Return ->
4
BCGE
A-Score
1-Year Total Return ->
5
Berner Kantonalbank
A-Score
1-Year Total Return ->
6
