Bank für Tirol und Vorarlberg AG, together with its subsidiaries, provides various corporate and retail banking products and services in Austria, Germany, Vienna, Bavaria, Eastern Switzerland, and Northern Italy.
Solid track record with adequate balance sheet.
Share Price & News
How has Bank für Tirol und Vorarlberg's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BTS has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: BTS exceeded the Austrian Banks industry which returned -22.8% over the past year.
Return vs Market: BTS exceeded the Austrian Market which returned -16.4% over the past year.
Price Volatility Vs. Market
How volatile is Bank für Tirol und Vorarlberg's share price compared to the market and industry in the last 5 years?
Simply Wall St News
5 months ago | Simply Wall StIs Bank für Tirol und Vorarlberg AG's (VIE:BTS) P/E Ratio Really That Good?
9 months ago | Simply Wall StInvestors Who Bought Bank für Tirol und Vorarlberg (VIE:BTS) Shares Three Years Ago Are Now Up 35%
11 months ago | Simply Wall StIs Bank für Tirol und Vorarlberg AG (VIE:BTS) A Smart Choice For Dividend Investors?
Is Bank für Tirol und Vorarlberg undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BTS (€27.4) is trading above our estimate of fair value (€26.52)
Significantly Below Fair Value: BTS is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BTS is poor value based on its PE Ratio (7.8x) compared to the Banks industry average (7.7x).
PE vs Market: BTS is good value based on its PE Ratio (7.8x) compared to the Austrian market (10.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BTS's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BTS is good value based on its PB Ratio (0.6x) compared to the AT Banks industry average (0.6x).
How is Bank für Tirol und Vorarlberg forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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 Bank für Tirol und Vorarlberg 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.
- Check out Bank für Tirol und Vorarlberg's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
- Bank für Tirol und Vorarlberg competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Banks industry.
How has Bank für Tirol und Vorarlberg performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BTS has high quality earnings.
Growing Profit Margin: BTS's current net profit margins (45.8%) are higher than last year (43.3%).
Past Earnings Growth Analysis
Earnings Trend: BTS's earnings have grown by 0.6% per year over the past 5 years.
Accelerating Growth: BTS's earnings growth over the past year (27.4%) exceeds its 5-year average (0.6% per year).
Earnings vs Industry: BTS earnings growth over the past year (27.4%) exceeded the Banks industry -7.3%.
Return on Equity
High ROE: BTS's Return on Equity (7%) is considered low.
How is Bank für Tirol und Vorarlberg's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BTS's Assets to Equity ratio (7x) is low.
Allowance for Bad Loans: Insufficient data to determine if BTS has a sufficient allowance for bad loans.
Low Risk Liabilities: 67% of BTS's liabilities are made up of primarily low risk sources of funding.
Loan Level: BTS has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: BTS's Loans to Deposits ratio (119%) is appropriate.
Level of Bad Loans: Insufficient data to determine if BTS has an appropriate level of bad loans.
What is Bank für Tirol und Vorarlberg's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: BTS's dividend (1.09%) isn’t notable compared to the bottom 25% of dividend payers in the Austrian market (1.68%).
High Dividend: BTS's dividend (1.09%) is low compared to the top 25% of dividend payers in the Austrian market (5.01%).
Stability and Growth of Payments
Stable Dividend: BTS is not paying a notable dividend for the Austrian market, therefore no need to check if payments are stable.
Growing Dividend: BTS 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: BTS is not paying a notable dividend for the Austrian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of BTS's dividend in 3 years as they are not forecast to pay a notable one for the Austrian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Gerhard Burtscher (52yo)
Mr. Gerhard Burtscher serves as Supervisory Board Chairman at BKS Bank AG and has been its Supervisory Board member since May 19, 2016. Mr. Burtscher has been the Chairman of Executive Board and Chief Exec ...
|Chairman of Executive Board & CEO||4.42yrs||no data||no data|
|Head of Finance & Controlling||no data||no data||no data|
|Member of the Executive Board||4.42yrs||no data||no data|
|Director of the Finance & Controlling Division and Member of the Executive Board||4.42yrs||no data||no data|
|Marketing & Communication||no data||no data||no data|
Experienced Management: BTS's management team is considered experienced (4.4 years average tenure).
|Supervisory Board Member||18.17yrs||€11.36k||no data|
|Supervisory Board Member||20.17yrs||€11.48k||no data|
|Honorary President of Supervisory Board||no data||no data||no data|
|Chairman of the Supervisory Board||14.08yrs||€17.84k||no data|
|Employee representative Supervisory Board Member||18.25yrs||no data||no data|
|Supervisory Board Deputy Chairman||6.08yrs||no data||no data|
|Employee representative Supervisory Board Member||14.17yrs||no data||no data|
|Member of Supervisory Board||14.08yrs||€11.72k||no data|
|Employee representative Supervisory Board Member||12.42yrs||no data||no data|
|Supervisory Board Member||14.08yrs||€11.48k||no data|
Experienced Board: BTS's board of directors are seasoned and experienced ( 14.1 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bank für Tirol und Vorarlberg AG's company bio, employee growth, exchange listings and data sources
- Name: Bank für Tirol und Vorarlberg AG
- Ticker: BTS
- Exchange: WBAG
- Founded: 1904
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €930.045m
- Shares outstanding: 33.94m
- Website: https://www.btv.at
Number of Employees
- Bank für Tirol und Vorarlberg AG
- Stadtforum 1
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BTS||WBAG (Wiener Boerse AG)||Yes||Ordinary Shares||AT||EUR||Jan 1992|
|BTV||WBAG (Wiener Boerse AG)||Preferred Shares||AT||EUR||Nov 1993|
|0D21||LSE (London Stock Exchange)||Preferred Shares||GB||EUR||Nov 1993|
Bank für Tirol und Vorarlberg AG, together with its subsidiaries, provides various corporate and retail banking products and services in Austria, Germany, Vienna, Bavaria, Eastern Switzerland, and Northern Italy. It operates through five segments: Corporate Customer, Retail Customer, Institutional Clients and Banks, Leasing, and Cable Cars. The company offers current accounts and savings products, as well as asset management services; financial investments; residential construction and export financing; and leasing and insurance services. It also provides securities, bank guarantees, currency risk hedging, development loans, and payment transaction services; e-banking services; and bonds, equity, etc. In addition, the company engages in treasury and trading activities; and provision of funicular railways and other tourism operations. It serves small, medium, and large business clients, as well as chartered accountants and auditors; and retail clients, freelance professionals, and micro-companies markets. Bank für Tirol und Vorarlberg AG was founded in 1904 and is headquartered in Innsbruck, Austria.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/06/05 20:58|
|End of Day Share Price||2020/04/24 00:00|
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.