Executive Summary
BKS Bank AG, together with its subsidiaries, provides various banking products and services.
Rewards
Risk Analysis
No risks detected for BKS from our risk checks.
Snowflake Analysis
Undervalued with adequate balance sheet.
Share Price & News
How has BKS Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BKS has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
-2.2%
BKS
2.7%
AT Banks
1.9%
AT Market
1 Year Return
-20.6%
BKS
-25.4%
AT Banks
-21.3%
AT Market
Return vs Industry: BKS exceeded the Austrian Banks industry which returned -25.4% over the past year.
Return vs Market: BKS matched the Austrian Market which returned -21.3% over the past year.
Shareholder returns
| BKS | Industry | Market | |
|---|---|---|---|
| 7 Day | -2.2% | 2.7% | 1.9% |
| 30 Day | -5.8% | 0.9% | -1.6% |
| 90 Day | 9.2% | 28.4% | 13.3% |
| 1 Year | -20.6%-20.6% | -25.4%-25.4% | -20.4%-21.3% |
| 3 Year | -24.3%-26.6% | -23.4%-28.2% | -14.4%-20.8% |
| 5 Year | -18.1%-23.2% | 14.7%3.9% | 18.7%3.9% |
Price Volatility Vs. Market
How volatile is BKS Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall St
Be Sure To Check Out BKS Bank AG (VIE:BKS) Before It Goes Ex-Dividend1 month ago | Simply Wall St
If You Had Bought BKS Bank (VIE:BKS) Stock Three Years Ago, You'd Be Sitting On A 27% Loss, Today2 months ago | Simply Wall St
Is It Worth Buying BKS Bank AG (VIE:BKS) For Its 1.9% Dividend Yield?Valuation
Is BKS Bank undervalued compared to its fair value and its price relative to the market?
21.2%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BKS (€13.1) is trading below our estimate of fair value (€16.63)
Significantly Below Fair Value: BKS is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BKS is good value based on its PE Ratio (7.4x) compared to the Banks industry average (7.5x).
PE vs Market: BKS is good value based on its PE Ratio (7.4x) compared to the Austrian market (10.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BKS's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BKS is good value based on its PB Ratio (0.4x) compared to the AT Banks industry average (0.6x).
Next Steps
Future Growth
How is BKS Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
25.6%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as BKS Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Next Steps
- Examine whether BKS Bank is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- BKS Bank competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Banks industry.
Past Performance
How has BKS Bank performed over the past 5 years?
12.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BKS has high quality earnings.
Growing Profit Margin: BKS's current net profit margins (35.1%) are lower than last year (36.9%).
Past Earnings Growth Analysis
Earnings Trend: BKS's earnings have grown by 12% per year over the past 5 years.
Accelerating Growth: BKS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BKS had negative earnings growth (-5.5%) over the past year, making it difficult to compare to the Banks industry average (-6.7%).
Return on Equity
High ROE: BKS's Return on Equity (6%) is considered low.
Next Steps
Financial Health
How is BKS Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BKS's Assets to Equity ratio (7.1x) is low.
Allowance for Bad Loans: BKS has a low allowance for bad loans (53%).
Low Risk Liabilities: 75% of BKS's liabilities are made up of primarily low risk sources of funding.
Loan Level: BKS has an appropriate level of Loans to Assets ratio (68%).
Low Risk Deposits: BKS's Loans to Deposits ratio (106%) is appropriate.
Level of Bad Loans: BKS has a high level of bad loans (2.7%).
Next Steps
Dividend
What is BKS Bank current dividend yield, its reliability and sustainability?
0.92%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BKS's dividend (0.92%) isn’t notable compared to the bottom 25% of dividend payers in the Austrian market (1.61%).
High Dividend: BKS's dividend (0.92%) is low compared to the top 25% of dividend payers in the Austrian market (5.11%).
Stability and Growth of Payments
Stable Dividend: BKS is not paying a notable dividend for the Austrian market, therefore no need to check if payments are stable.
Growing Dividend: BKS is not paying a notable dividend for the Austrian market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: BKS is not paying a notable dividend for the Austrian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of BKS's dividend in 3 years as they are not forecast to pay a notable one for the Austrian market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
4.1yrs
Average management tenure
CEO
Herta Stockbauer (60yo)
6.33yrs
Tenure
€761,000
Compensation
Mag. Dr. Herta Stockbauer has been Chairwoman of Supervisory Board at Oberbank AG since May 18, 2016. Mag. Dr. Stockbauer is responsible for international business, treasury operations, credit risk managem ...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairwoman of the Management Board | 6.33yrs | €761.00k | no data | |
| Member of the Management Board | 9.83yrs | €455.00k | no data | |
| Member of Management Board | 1.83yrs | €274.00k | no data | |
| Head of Finance & Investment | 0.58yr | no data | no data | |
| Head of Operations | no data | no data | no data | |
| Head of Controlling & Accounting Department | no data | no data | no data | |
| Head of Investor Relations | no data | no data | no data | |
| Head of Group Legal & Compliance | no data | no data | no data | |
| Head of Sales | no data | no data | no data | |
| Head of Personnel Management | no data | no data | no data |
4.1yrs
Average Tenure
60yo
Average Age
Experienced Management: BKS's management team is considered experienced (4.1 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Honorary President of Supervisory Board | 6.17yrs | €12.33k | no data | |
| Independent Supervisory Board Member | 6.17yrs | €30.60k | no data | |
| Independent Supervisory Board Member | 20.25yrs | €23.60k | no data | |
| Independent Member of Supervisory Board | 18.25yrs | €34.45k | no data | |
| Employee Representative Supervisory Board Member | 13.08yrs | €480.00 | no data | |
| Independent Supervisory Board Member | 8.17yrs | €18.60k | no data | |
| Employee Representative Supervisory Board Member | 8.5yrs | €480.00 | no data | |
| Independent Supervisory Board Chairman | 4.17yrs | €42.60k | no data | |
| Independent Supervisory Board Member | 5.17yrs | €24.60k | no data | |
| Independent Vice Chairman of Supervisory Board | 0.50yr | €24.60k | no data |
7.2yrs
Average Tenure
58.5yo
Average Age
Experienced Board: BKS's board of directors are considered experienced (7.2 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
BKS Bank AG's company bio, employee growth, exchange listings and data sources
Key Information
- Name: BKS Bank AG
- Ticker: BKS
- Exchange: WBAG
- Founded: 1922
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €550.758m
- Shares outstanding: 42.07m
- Website: https://www.bks.at
Number of Employees
Location
- BKS Bank AG
- St. Veiter Ring 43
- Klagenfurt
- Carinthia
- 9020
- Austria
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| BKS | WBAG (Wiener Boerse AG) | Yes | Common Stock | AT | EUR | Jan 1992 |
| BKV | WBAG (Wiener Boerse AG) | Preference Stock | AT | EUR | May 1993 |
Biography
BKS Bank AG, together with its subsidiaries, provides various banking products and services. The company operates through Corporate and Business Banking, Retail Banking, and Financial Markets segments. It accepts various deposits products, such as savings, sight, and time deposits; and offers working capital and project finance, lease and export finance, guarantees, and housing and real estate loans, as well as consumer loans. The company also provides advisory, payment, online banking, insurance brokerage, investment options, asset management, custodian, treasury, and international and private banking services, as well as is involved in proprietary trading activity. It operates 63 branches in Austria and internationally. BKS Bank AG was founded in 1922 and is headquartered in Klagenfurt, Austria.
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/07/03 20:56 |
| End of Day Share Price | 2020/07/03 00:00 |
| Earnings | 2020/03/31 |
| Annual Earnings | 2019/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.