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BKS Bank

WBAG:BKS
Snowflake Description

Proven track record with adequate balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BKS
WBAG
€687M
Market Cap
  1. Home
  2. AT
  3. Banks
Company description

BKS Bank AG, together with its subsidiaries, provides various banking products and services. The last earnings update was 34 days ago. More info.


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BKS Share Price and Events
7 Day Returns
0.6%
WBAG:BKS
-0.3%
AT Banks
0.9%
AT Market
1 Year Returns
-7.3%
WBAG:BKS
-9.7%
AT Banks
-4.7%
AT Market
BKS Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
BKS Bank (BKS) 0.6% 0% -2.9% -7.3% 0.6% -4.6%
AT Banks -0.3% -1.5% -0.5% -9.7% 70.2% 20.9%
AT Market 0.9% 0% -1.7% -4.7% 49.8% 20%
1 Year Return vs Industry and Market
  • BKS outperformed the Banks industry which returned -9.7% over the past year.
  • BKS underperformed the Market in Austria which returned -4.7% over the past year.
Price Volatility
BKS
Industry
5yr Volatility vs Market

Value

 Is BKS Bank undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of BKS Bank to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for BKS Bank.

WBAG:BKS Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €26.24 * 6%
€1.56
Book Value of Equity per Share Median Book Value from the past 5 years. €26.24
Discount Rate (Cost of Equity) See below 9.7%
Perpetual Growth Rate 10-Year AT Government Bond Rate 0.5%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for WBAG:BKS
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year AT Govt Bond Rate 0.5%
Equity Risk Premium S&P Global 6.5%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.59
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.59 (1 + (1- 25%) (230.11%))
1.407
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.41
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.51% + (1.407 * 6.51%)
9.67%

Discounted Cash Flow Calculation for WBAG:BKS using Excess Returns Model Model

The calculations below outline how an intrinsic value for BKS Bank is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

WBAG:BKS Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (6% – 9.67%) * €26.24)
€-0.97
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €-0.97 / (9.67% - 0.51%)
€-10.64
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €26.24 + €-10.64
€15.61
WBAG:BKS Discount to Share Price
Calculation Result
Value per share (EUR) From above. €15.61
Current discount Discount to share price of €16.50
= -1 x (€16.50 - €15.61) / €15.61
-5.7%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of BKS Bank is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for BKS Bank's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are BKS Bank's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
WBAG:BKS PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in EUR €1.93
WBAG:BKS Share Price ** WBAG (2019-06-24) in EUR €16.5
Austria Banks Industry PE Ratio Median Figure of 7 Publicly-Listed Banks Companies 7.89x
Austria Market PE Ratio Median Figure of 54 Publicly-Listed Companies 14.61x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of BKS Bank.

WBAG:BKS PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= WBAG:BKS Share Price ÷ EPS (both in EUR)

= 16.5 ÷ 1.93

8.55x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BKS Bank is overvalued based on earnings compared to the AT Banks industry average.
  • BKS Bank is good value based on earnings compared to the Austria market.
Price based on expected Growth
Does BKS Bank's expected growth come at a high price?
Raw Data
WBAG:BKS PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 8.55x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
8.6%per year
Europe Banks Industry PEG Ratio Median Figure of 113 Publicly-Listed Banks Companies 0.87x
Austria Market PEG Ratio Median Figure of 33 Publicly-Listed Companies 1.25x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for BKS Bank, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on BKS Bank's assets?
Raw Data
WBAG:BKS PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in EUR €29.34
WBAG:BKS Share Price * WBAG (2019-06-24) in EUR €16.5
Austria Banks Industry PB Ratio Median Figure of 7 Publicly-Listed Banks Companies 0.56x
Austria Market PB Ratio Median Figure of 62 Publicly-Listed Companies 1.16x
WBAG:BKS PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= WBAG:BKS Share Price ÷ Book Value per Share (both in EUR)

= 16.5 ÷ 29.34

0.56x

* Primary Listing of BKS Bank.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BKS Bank is good value based on assets compared to the AT Banks industry average.
X
Value checks
We assess BKS Bank's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. BKS Bank has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is BKS Bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover BKS Bank, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
8.6%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is BKS Bank expected to grow at an attractive rate?
  • BKS Bank's earnings growth is expected to exceed the low risk savings rate of 0.5%.
Growth vs Market Checks
  • BKS Bank's earnings growth is positive but not above the Austria market average.
  • Unable to compare BKS Bank's revenue growth to the Austria market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
WBAG:BKS Future Growth Rates Data Sources
Data Point Source Value (per year)
WBAG:BKS Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 8.6%
Austria Banks Industry Earnings Growth Rate Market Cap Weighted Average 3.5%
Europe Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.9%
Austria Market Earnings Growth Rate Market Cap Weighted Average 8.8%
Austria Market Revenue Growth Rate Market Cap Weighted Average 3.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
WBAG:BKS Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
WBAG:BKS Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2019-03-31 214 -210 81
2018-12-31 207 82 77
2018-09-30 202 -246 72
2018-06-30 197 -25 68
2018-03-31 192 316 70
2017-12-31 187 -20 68
2017-09-30 186 177 61
2017-06-30 173 244 55
2017-03-31 173 142 49
2016-12-31 172 323 46
2016-09-30 160 168 47
2016-06-30 165 52 47

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • BKS Bank's earnings are expected to grow by 8.6% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if BKS Bank is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
WBAG:BKS Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from BKS Bank Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

WBAG:BKS Past Financials Data
Date (Data in EUR Millions) EPS *
2019-03-31 1.93
2018-12-31 1.87
2018-09-30 1.80
2018-06-30 1.71
2018-03-31 1.80
2017-12-31 1.75
2017-09-30 1.55
2017-06-30 1.42
2017-03-31 1.30
2016-12-31 1.26
2016-09-30 1.32
2016-06-30 1.32

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if BKS Bank will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess BKS Bank's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Austria market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
BKS Bank has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has BKS Bank performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare BKS Bank's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • BKS Bank's year on year earnings growth rate has been positive over the past 5 years.
  • BKS Bank's 1-year earnings growth exceeds its 5-year average (15.8% vs 11.7%)
  • BKS Bank's earnings growth has exceeded the AT Banks industry average in the past year (15.8% vs 7.4%).
Earnings and Revenue History
BKS Bank's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from BKS Bank Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

WBAG:BKS Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 213.81 81.31 116.29
2018-12-31 206.81 77.42 114.58
2018-09-30 202.06 72.21 113.47
2018-06-30 197.41 67.53 113.09
2018-03-31 191.67 70.19 108.77
2017-12-31 187.38 68.04 107.75
2017-09-30 185.97 60.94 105.32
2017-06-30 173.19 54.60 104.75
2017-03-31 172.79 48.91 106.12
2016-12-31 171.65 46.18 106.43
2016-09-30 160.36 46.51 106.29
2016-06-30 164.72 46.67 106.37
2016-03-31 167.85 49.86 105.85
2015-12-31 171.52 53.61 105.12
2015-09-30 185.44 60.02 108.09
2015-06-30 186.59 59.72 106.86
2015-03-31 172.76 50.50 106.05
2014-12-31 165.70 48.74 105.81
2014-09-30 157.26 42.42 103.27
2014-06-30 156.69 40.48 102.64
2014-03-31 155.20 40.73 101.97
2013-12-31 153.66 40.59 100.81
2013-09-30 156.82 43.56 99.77
2013-06-30 153.58 41.85 101.49
2013-03-31 154.86 43.44 101.17
2012-12-31 154.31 43.12 100.82
2012-09-30 147.31 41.03 97.80
2012-06-30 133.01 36.63 94.36

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • BKS Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • BKS Bank used its assets more efficiently than the AT Banks industry average last year based on Return on Assets.
  • Unable to establish if BKS Bank improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess BKS Bank's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
BKS Bank has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is BKS Bank's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of BKS Bank's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from BKS Bank Company Filings, last reported 2 months ago.

WBAG:BKS Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 1,234.43 1,554.31 92.25
2018-12-31 1,210.72 1,595.57 93.62
2018-09-30 1,190.44 1,563.53 90.66
2018-06-30 1,168.14 1,533.24 89.56
2018-03-31 1,121.66 1,554.76 90.26
2017-12-31 1,046.54 1,422.17 150.74
2017-09-30 1,022.88 1,539.28 148.93
2017-06-30 1,004.94 1,447.28 158.45
2017-03-31 973.10 1,357.47 151.25
2016-12-31 958.79 1,641.57 101.36
2016-09-30 884.93 1,718.58 46.35
2016-06-30 877.14 1,700.48 50.48
2016-03-31 864.67 1,673.64 49.17
2015-12-31 860.24 1,692.31 121.16
2015-09-30 836.62 1,762.19 42.61
2015-06-30 820.14 1,623.29 55.02
2015-03-31 809.55 1,755.86 58.76
2014-12-31 795.85 1,675.89 50.56
2014-09-30 741.47 1,854.85 47.85
2014-06-30 732.81 1,940.51 36.96
2014-03-31 719.17 1,952.88 35.74
2013-12-31 714.16 2,138.09 46.27
2013-09-30 706.13 2,234.24 35.99
2013-06-30 701.80 2,225.12 44.23
2013-03-31 692.34 2,331.89 38.88
2012-12-31 688.29 2,310.91 43.51
2012-09-30 674.54 2,513.96 42.37
2012-06-30 671.85 2,306.00 41.27
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • BKS Bank has an acceptable proportion of non-loan assets held.
  • BKS Bank's liabilities are made up of primarily low risk sources of funding.
  • Loans at BKS Bank are broadly funded by customer deposits.
  • BKS Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • BKS Bank has a low allowance for bad loans.
  • BKS Bank has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess BKS Bank's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. BKS Bank has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is BKS Bank's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.39%
Current annual income from BKS Bank dividends.
If you bought €2,000 of BKS Bank shares you are expected to receive €28 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • BKS Bank's pays a lower dividend yield than the bottom 25% of dividend payers in Austria (1.43%).
  • BKS Bank's dividend is below the markets top 25% of dividend payers in Austria (4.53%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
WBAG:BKS Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Austria Banks Industry Average Dividend Yield Market Cap Weighted Average of 7 Stocks 4%
Austria Market Average Dividend Yield Market Cap Weighted Average of 51 Stocks 3.6%
Austria Minimum Threshold Dividend Yield 10th Percentile 1%
Austria Bottom 25% Dividend Yield 25th Percentile 1.4%
Austria Top 25% Dividend Yield 75th Percentile 4.5%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

WBAG:BKS Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2019-04-02 0.230 1.377
2018-04-04 0.230 1.312
2017-04-06 0.230 1.289
2016-04-21 0.230 1.354
2015-04-01 0.230 1.349
2014-04-08 0.250 1.451
2013-04-03 0.250 1.436
2012-03-14 0.250 1.440
2011-04-05 0.250 1.397
2010-04-06 0.250 1.459
2009-01-28 0.250 1.428

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have fallen over the past 10 years.
Current Payout to shareholders
What portion of BKS Bank's earnings are paid to the shareholders as a dividend.
  • Dividends paid are thoroughly covered by earnings (8.4x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess BKS Bank's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can BKS Bank afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. BKS Bank has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of BKS Bank's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Herta Stockbauer
COMPENSATION €0
AGE 58
TENURE AS CEO 5.3 years
CEO Bio

Dr. Herta Stockbauer has been Chairwoman of Supervisory Board at Oberbank AG since May 18, 2016. Dr. Stockbauer is responsible for international business, treasury operations, credit risk management, controlling and accounts, organization and information technology at BKS Bank AG. Dr. Stockbauer is also responsible for its Burgenland region in Austria and for its Slovenia, Croatia, Hungary and Slovakia regions abroad. She has been Deputy Chairman of Supervisory Board at Bank für Tirol und Vorarlberg AG since May 14, 2014. She served as Second Deputy Chairman of The Supervisory Board of Oberbank AG since May 13, 2014 and Bank für Tirol und Vorarlberg Aktiengesellschaft since May 14, 2014. She has been the Chairwoman of the Board at BKS Bank AG since March, 2014 and its Member of the Management Board since July 1, 2004. She served as President of the Supervisory Board of BKS Bank d.d. Rijeka. She joined BKS Bank in 1992 and served as its Head of Controlling and Accounts since 1996. She worked in corporate and business banking and securities operations. She worked as a Lecturer at Klagenfurt University’s Institute of Commercial Science. She serves as the President of Supervisory Board at BKS Bank d.d. She serves as the Chairwoman of the Supervisory Board of BKS Leasing a.s. and BKS-Leasing Croatia d.o.o. She is a Member of the Supervisory Board of the Drei-Banken-Versicherungs-AG Member of the Management Board of the Industrialists’ Association Kärnten and the respACT- Austrian Business Council for sustainable development. She has been a Member of the Supervisory Board of Oberbank AG since May 13, 2014. She serves as the Chairwoman of the University Council of the Alpen-Adria University Klagenfurt, honorary consul of the Swedish kingdom to the county Kärnten. She has been a Member of Supervisory Board at SW Umwelttechnik Stoiser & Wolschner AG since May 4, 2012, Oesterreichische Kontrollbank AG since May 21, 2014 and Österreichische Post AG since May 21, 2014. She has been Independent Member of Supervisory Board at Österreichische Post AG since April 15, 2015. She completed Degree in Commercial Science at University of Vienna of Economics and Business Administration.

CEO Compensation
  • Insufficient data for Herta to compare compensation growth.
  • Herta's remuneration is lower than average for companies of similar size in Austria.
Management Team Tenure

Average tenure and age of the BKS Bank management team in years:

5.3
Average Tenure
58
Average Age
  • The average tenure for the BKS Bank management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Herta Stockbauer

TITLE
Chairwoman of the Management Board
AGE
58
TENURE
5.3 yrs

Dieter Kraßnitzer

TITLE
Member of the Management Board
AGE
59
TENURE
8.8 yrs

Alexander Novak

TITLE
Member of Management Board
AGE
47
TENURE
0.8 yrs

Hubert Cuder

TITLE
Head of Controlling & Accounting Department

Klaus Patterer

TITLE
Head of Operations

Herbert Titze

TITLE
Head of Investor Relations

Dieter Kohl

TITLE
Head of Group Legal & Compliance

Werner Laure

TITLE
Head of Personnel Management

Michael Oberwalder

TITLE
Head of Credit Management

Viktor König

TITLE
Head of Corporate & Business Banking
Board of Directors Tenure

Average tenure and age of the BKS Bank board of directors in years:

9.7
Average Tenure
60.5
Average Age
  • The tenure for the BKS Bank board of directors is about average.
Board of Directors

Gerhard Burtscher

TITLE
Supervisory Board Chairman
COMPENSATION
€43K
AGE
51
TENURE
3.1 yrs

Franz Gasselsberger

TITLE
Supervisory Board Vice Chairman
COMPENSATION
€35K
AGE
59
TENURE
16.4 yrs

Hermann Bell

TITLE
Honorary President of Supervisory Board
COMPENSATION
€12K
AGE
86
TENURE
5.1 yrs

Heimo Penker

TITLE
Supervisory Board Member
COMPENSATION
€31K
AGE
71
TENURE
5.1 yrs

Reinhard Iro

TITLE
Supervisory Board Member
COMPENSATION
€24K
AGE
69
TENURE
19.2 yrs

Karl Samstag

TITLE
Supervisory Board Member
COMPENSATION
€18K
AGE
74
TENURE
17.2 yrs

Hanspeter Traar

TITLE
Employee Representative Supervisory Board Member
COMPENSATION
€480
AGE
62
TENURE
16.4 yrs

Herta Pobaschnig

TITLE
Employee Representative Supervisory Board Member
COMPENSATION
€480
AGE
58
TENURE
12 yrs

Christina Fromme-Knoch

TITLE
Supervisory Board Member
COMPENSATION
€19K
AGE
48
TENURE
7.1 yrs

Maximilian Medwed

TITLE
Employee Representative Supervisory Board Member
COMPENSATION
€480
AGE
55
TENURE
7.4 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess BKS Bank's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. BKS Bank has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

BKS Bank AG's (VIE:BKS) 1.4% Dividend Yield Looks Pretty Interesting

With a 1.4% yield and a nine-year payment history, investors probably think BKS Bank looks like a reliable dividend stock. … Dividend Growth Potential Examining whether the dividend is affordable and stable is important. … Conclusion To summarise, shareholders should always check that BKS Bank's dividends are affordable, that its dividend payments are relatively stable, and that it has decent prospects for growing its earnings and dividend.

Simply Wall St -

Don't Sell BKS Bank AG (VIE:BKS) Before You Read This

We'll look at BKS Bank AG's (VIE:BKS) P/E ratio and reflect on what it tells us about the company's share price. … How Do I Calculate A Price To Earnings Ratio … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)

Simply Wall St -

Know This Before Buying BKS Bank AG (VIE:BKS) For Its Dividend

A large part of investment returns can be generated by dividend-paying stock given their role in compounding returns over time. … Historically, BKS Bank AG (VIE:BKS) has paid dividends to shareholders, and these days it yields 1.4%. … Check out our latest analysis for BKS Bank

Simply Wall St -

Should You Be Concerned About BKS Bank AG’s (VIE:BKS) Risks?

Credit risk is one of the biggest risk BKS Bank AG (VIE:BKS) faces as a small cap company operating in a heavily regulated financial services sector. … This is because bad debt is written off as an expense and impacts BKS Bank’s bottom line and shareholders’ value. … I will take you through some useful measures of bad debt and liabilities in order to properly analyse BKS Bank’s risk level before you invest in the stock.

Simply Wall St -

What Does BKS Bank AG's (VIE:BKS) P/E Ratio Tell You?

This article is for investors who would like to improve their understanding of price to earnings ratios (P/E ratios). … We'll look at BKS Bank AG's (VIE:BKS) P/E ratio and reflect on what it tells us about the company's share price. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

Is BKS Bank AG (VIE:BKS) A Smart Pick For Income Investors?

A large part of investment returns can be generated by dividend-paying stock given their role in compounding returns over time. … Historically, BKS Bank AG (VIE:BKS) has been paying a dividend to shareholders. … Let's dig deeper into whether BKS Bank should have a place in your portfolio.

Simply Wall St -

Real Risks To Know Before Investing In BKS Bank AG (VIE:BKS)

Credit risk is one of the biggest risk BKS Bank AG (VIE:BKS) faces as a small cap company operating in a heavily regulated financial services sector. … Today we’re going to assess the level of bad debt and liabilities BKS Bank currently has in order to properly analyse the risk involved with investing in BKS Bank. … Check out our latest analysis for BKS Bank

Simply Wall St -

Does BKS Bank AG's (VIE:BKS) CEO Pay Matter?

This analysis aims first to contrast CEO compensation with other companies that have similar market capitalization. … How Does Herta Stockbauer's Compensation Compare With Similar Sized Companies. … This would give shareholders a good impression of the company, since most similar size companies have to pay more, leaving less for shareholders.

Simply Wall St -

Consider This Before Buying BKS Bank AG (VIE:BKS) For The 1.28% Dividend

In the past 10 years BKS Bank AG (VIE:BKS) has returned an average of 1.00% per year to investors in the form of dividend payouts. … Does BKS Bank tick all the boxes of a great dividend stock? … 5 checks you should use to assess a dividend stock

Simply Wall St -

With An ROE Of 6.26%, Has BKS Bank AG's (VIE:BKS) Management Done Well?

BKS Bank AG (VIE:BKS) performed in line with its diversified banks industry on the basis of its ROE – producing a return of 6.26% relative to the peer average of 8.61% over the past 12 months. … But what is more interesting is whether BKS can sustain or improve on this level of return. … Metrics such as financial leverage can impact the level of ROE which in turn can affect the sustainability of BKS's returns.

Simply Wall St -

Company Info

Description

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 funds and project finance, lease and export finance, guarantees, subsidized finance, 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.

Details
Name: BKS Bank AG
BKS
Exchange: WBAG
Founded: 1922
€687,168,902
41,892,738
Website: http://www.bks.at
Address: BKS Bank AG
St. Veiter Ring 43,
Klagenfurt,
Carinthia, 9020,
Austria
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
WBAG BKS Common Stock Wiener Boerse AG AT EUR 02. Jan 1992
WBAG BKV Preference Stock Wiener Boerse AG AT EUR 07. May 1993
Number of employees
Current staff
Staff numbers
953
BKS Bank employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/06/26 02:16
End of day share price update: 2019/06/24 00:00
Last earnings filing: 2019/05/23
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.