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Wiener Privatbank

WBAG:WPB
Snowflake Description

Undervalued with proven track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
WPB
WBAG
€43M
Market Cap
  1. Home
  2. AT
  3. Diversified Financials
Company description

Wiener Privatbank SE provides independent consultancy services and bespoke solutions to private and institutional customers in Austria. The last earnings update was 222 days ago. More info.


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WPB Share Price and Events
7 Day Returns
0%
WBAG:WPB
3.1%
Europe Capital Markets
2.1%
AT Market
1 Year Returns
-35.1%
WBAG:WPB
-10.8%
Europe Capital Markets
-2.7%
AT Market
WPB Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Wiener Privatbank (WPB) 0% 3.7% -1.7% -35.1% 21.4% 30.8%
Europe Capital Markets 3.1% 8.7% 7% -10.8% -0.7% -19.9%
AT Market 2.1% 5.8% 8.1% -2.7% 42.9% 31.5%
1 Year Return vs Industry and Market
  • WPB underperformed the Capital Markets industry which returned -10.8% over the past year.
  • WPB underperformed the Market in Austria which returned -2.7% over the past year.
Price Volatility
WPB
Industry
5yr Volatility vs Market

Value

 Is Wiener Privatbank 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 Wiener Privatbank 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 Wiener Privatbank.

WBAG:WPB 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
= €8.71 * 18.7%
€1.62
Book Value of Equity per Share Median Book Value from the past 5 years. €8.71
Discount Rate (Cost of Equity) See below 9.1%
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:WPB
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year AT Govt Bond Rate 0.5%
Equity Risk Premium S&P Global 6.5%
Capital Markets Unlevered Beta Simply Wall St/ S&P Global 0.73
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.733 (1 + (1- 25%) (135.99%))
1.323
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.32
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.51% + (1.323 * 6.51%)
9.12%

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

The calculations below outline how an intrinsic value for Wiener Privatbank 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:WPB Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (18.7% – 9.12%) * €8.71)
€0.83
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €0.83 / (9.12% - 0.51%)
€9.64
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €8.71 + €9.64
€18.34
WBAG:WPB Discount to Share Price
Calculation Result
Value per share (EUR) From above. €18.34
Current discount Discount to share price of €8.50
= -1 x (€8.50 - €18.34) / €18.34
53.7%

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

Current Discount
Amount off the current price Wiener Privatbank is available for.
Intrinsic value
>50%
Share price is €8.5 vs Future cash flow value of €18.34
Current Discount Checks
For Wiener Privatbank to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Wiener Privatbank's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Wiener Privatbank's share price is below the future cash flow value, and at a substantial discount (> 40%).
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 Wiener Privatbank's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Wiener Privatbank's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
WBAG:WPB PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-06-30) in EUR €2.98
WBAG:WPB Share Price ** WBAG (2019-04-18) in EUR €8.5
Europe Capital Markets Industry PE Ratio Median Figure of 129 Publicly-Listed Capital Markets Companies 17.11x
Austria Market PE Ratio Median Figure of 52 Publicly-Listed Companies 14.56x

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

** Primary Listing of Wiener Privatbank.

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

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

= 8.5 ÷ 2.98

2.85x

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

  • Wiener Privatbank is good value based on earnings compared to the Europe Capital Markets industry average.
  • Wiener Privatbank is good value based on earnings compared to the Austria market.
Price based on expected Growth
Does Wiener Privatbank's expected growth come at a high price?
Raw Data
WBAG:WPB PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 2.85x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
-11.8%per year
Europe Capital Markets Industry PEG Ratio Median Figure of 56 Publicly-Listed Capital Markets Companies 1.42x
Austria Market PEG Ratio Median Figure of 32 Publicly-Listed Companies 1.24x

*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 Wiener Privatbank, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Wiener Privatbank's assets?
Raw Data
WBAG:WPB PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-06-30) in EUR €8.71
WBAG:WPB Share Price * WBAG (2019-04-18) in EUR €8.5
Europe Capital Markets Industry PB Ratio Median Figure of 217 Publicly-Listed Capital Markets Companies 1.4x
Austria Market PB Ratio Median Figure of 60 Publicly-Listed Companies 1.24x
WBAG:WPB PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

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

= 8.5 ÷ 8.71

0.98x

* Primary Listing of Wiener Privatbank.

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

  • Wiener Privatbank is good value based on assets compared to the Europe Capital Markets industry average.
X
Value checks
We assess Wiener Privatbank'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 Capital Markets 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 Capital Markets industry average (and greater than 0)? (1 check)
  5. Wiener Privatbank has a total score of 5/6, 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 Wiener Privatbank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Wiener Privatbank, 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
-11.8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Wiener Privatbank expected to grow at an attractive rate?
  • Wiener Privatbank's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 0.5%.
Growth vs Market Checks
  • Wiener Privatbank's earnings are expected to decrease over the next 1-3 years, this is below the Austria market average.
  • Unable to compare Wiener Privatbank's revenue growth to the Austria market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
WBAG:WPB Future Growth Rates Data Sources
Data Point Source Value (per year)
WBAG:WPB Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts -11.8%
Europe Capital Markets Industry Earnings Growth Rate Market Cap Weighted Average 15.4%
Europe Capital Markets Industry Revenue Growth Rate Market Cap Weighted Average 4.8%
Austria Market Earnings Growth Rate Market Cap Weighted Average 9.1%
Austria Market Revenue Growth Rate Market Cap Weighted Average 2.6%

*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:WPB Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (9 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:WPB Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-06-30 40 -5 14
2018-03-31 42 -6 16
2017-12-31 44 -7 17
2017-09-30 36 12
2017-06-30 29 -52 8
2017-03-31 25 -45 8
2016-12-31 22 -38 8
2016-09-30 20 7
2016-06-30 18 11 7
2016-03-31 18 24 6
2015-12-31 16 8 3
2015-09-30 16 -9 3

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Wiener Privatbank's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Unable to determine if Wiener Privatbank 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:WPB Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Wiener Privatbank Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

WBAG:WPB Past Financials Data
Date (Data in EUR Millions) EPS *
2018-06-30 2.98
2018-03-31 3.26
2017-12-31 3.55
2017-09-30 2.62
2017-06-30 1.65
2017-03-31 1.70
2016-12-31 1.76
2016-09-30 1.70
2016-06-30 1.64
2016-03-31 1.36
2015-12-31 0.81
2015-09-30 0.79

*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 Wiener Privatbank will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Wiener Privatbank'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 Europe 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.
Wiener Privatbank has a total score of 0/6, 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 Wiener Privatbank performed over the past 5 years?

  • Wiener Privatbank's last earnings update was 222 days ago.
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 Wiener Privatbank's growth in the last year to its industry (Capital Markets).
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.
  • Wiener Privatbank has delivered over 20% year on year earnings growth in the past 5 years.
  • Wiener Privatbank's 1-year earnings growth exceeds its 5-year average (88.1% vs 45.8%)
  • Wiener Privatbank's earnings growth has exceeded the Europe Capital Markets industry average in the past year (88.1% vs -1.2%).
Earnings and Revenue History
Wiener Privatbank'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 Wiener Privatbank Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

WBAG:WPB Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-06-30 39.72 14.36 18.18
2018-03-31 41.89 15.74 18.35
2017-12-31 44.06 17.13 18.51
2017-09-30 36.35 12.38 18.20
2017-06-30 28.65 7.64 17.89
2017-03-31 25.23 7.58 17.95
2016-12-31 21.81 7.52 18.02
2016-09-30 19.90 7.27 16.09
2016-06-30 17.99 7.02 14.16
2016-03-31 17.95 5.81 12.43
2015-12-31 15.93 3.48 10.47
2015-09-30 15.52 3.36 10.22
2015-06-30 14.30 2.64 10.27
2015-03-31 13.59 2.40 10.11
2014-12-31 14.12 2.55 10.42
2014-09-30 16.45 3.33 10.73
2014-06-30 14.37 1.94 10.36
2014-03-31 16.11 3.12 10.45
2013-12-31 15.77 3.07 10.29
2013-09-30 11.81 0.66 9.78
2013-06-30 12.64 1.15 9.96
2013-03-31 10.17 -1.03 10.00
2012-12-31 11.49 -0.21 10.24
2012-09-30 16.26 2.44 10.57
2012-06-30 18.56 2.98 11.68

*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.
  • Wiener Privatbank has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).
  • Wiener Privatbank used its assets less efficiently than the Europe Capital Markets industry average last year based on Return on Assets.
  • Unable to establish if Wiener Privatbank 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 Wiener Privatbank'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 Capital Markets 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.
Wiener Privatbank 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 Wiener Privatbank's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Wiener Privatbank's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Wiener Privatbank's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Wiener Privatbank's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Wiener Privatbank'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.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 5.5x debt.
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 Wiener Privatbank Company Filings, last reported 9 months ago.

WBAG:WPB Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-06-30 43.88 57.85 61.83
2018-03-31 43.88 57.85 61.83
2017-12-31 59.50 60.83 0.41
2017-09-30 59.50 60.83 0.41
2017-06-30 45.48 63.64 40.35
2017-03-31 45.48 63.64 40.35
2016-12-31 40.04 79.61 0.34
2016-09-30 40.04 79.61 0.34
2016-06-30 37.85 102.37 151.94
2016-03-31 37.85 102.37 151.94
2015-12-31 34.86 66.14 0.32
2015-09-30 34.86 66.14 0.32
2015-06-30 31.21 62.38 0.00
2015-03-31 34.38 64.13 35.20
2014-12-31 34.46 52.29 0.00
2014-09-30 32.81 33.74 18.66
2014-06-30 31.98 33.81 14.98
2014-03-31 35.54 29.81 18.58
2013-12-31 35.83 26.87 2.09
2013-09-30 32.34 18.18 27.72
2013-06-30 32.55 6.32 17.27
2013-03-31 31.99 5.55 27.27
2012-12-31 32.51 5.55 4.25
2012-09-30 32.16 2.52 45.74
2012-06-30 32.08 2.52 34.74
  • Wiener Privatbank's level of debt (131.8%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (19.8% vs 131.8% today).
  • Operating cash flow is negative therefore debt is not well covered.
  • Unable to confirm if the interest payments on Wiener Privatbank's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Wiener Privatbank'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. Wiener Privatbank has a total score of 1/6, 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 Wiener Privatbank'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
37.65%
Current annual income from Wiener Privatbank dividends.
If you bought €2,000 of Wiener Privatbank shares you are expected to receive €753 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?
  • Wiener Privatbank's pays a higher dividend yield than the bottom 25% of dividend payers in Austria (1.47%).
  • Wiener Privatbank's dividend is above the markets top 25% of dividend payers in Austria (4.59%).
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:WPB 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
Europe Capital Markets Industry Average Dividend Yield Market Cap Weighted Average of 104 Stocks 3.5%
Austria Market Average Dividend Yield Market Cap Weighted Average of 50 Stocks 3.3%
Austria Minimum Threshold Dividend Yield 10th Percentile 1.1%
Austria Bottom 25% Dividend Yield 25th Percentile 1.5%
Austria Top 25% Dividend Yield 75th Percentile 4.6%

Industry and Market average data is calculated daily.

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

WBAG:WPB Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2018-04-27 3.200 33.948
2017-05-02 0.800 6.998
2016-05-02 0.500 6.640
2015-04-28 0.800 11.920
2014-04-29 0.700 10.586
2013-11-27 0.000 0.000
2013-11-26 0.000 0.000
2013-08-12 0.000 0.000
2013-05-28 0.000 0.000
2013-04-25 0.000 0.000
2012-04-26 1.000 13.316
2011-04-06 1.000 11.180
2010-03-01 0.900 8.173
2009-11-24 0.000 0.000
2009-09-09 0.000 0.000
2009-04-29 0.000 0.000
2009-04-22 1.450 11.487

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

  • Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Wiener Privatbank's earnings are paid to the shareholders as a dividend.
  • Dividends paid are not well covered by earnings (0.9x 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 Wiener Privatbank's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - 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 Wiener Privatbank afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Wiener Privatbank has a total score of 3/6, 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 Wiener Privatbank'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.
  • Wiener Privatbank has no CEO, or we have no data on them.
Management Team

Helmut Hardt

TITLE
Member of the Management Board
COMPENSATION
€632K
AGE
58
TENURE
12.6 yrs

Eduard Berger

TITLE
Member of the Management Board
COMPENSATION
€447K
AGE
50
TENURE
7.7 yrs
Board of Directors Tenure

Average tenure and age of the Wiener Privatbank board of directors in years:

5.3
Average Tenure
55
Average Age
  • The tenure for the Wiener Privatbank board of directors is about average.
Board of Directors

Gottwald Kranebitter

TITLE
Supervisory Board Chairman
COMPENSATION
€70K
AGE
55
TENURE
5.3 yrs

Johann Kowar

TITLE
Deputy Chairman of the Supervisory Board
COMPENSATION
€45K
AGE
59
TENURE
6.3 yrs

Heinz Meidlinger

TITLE
Member of the Supervisory Board
COMPENSATION
€34K
AGE
63
TENURE
6.3 yrs

Günter Kerbler

TITLE
Member of Supervisory Board
COMPENSATION
€29K
AGE
63
TENURE
5.3 yrs

Peter Lazar

TITLE
Member of the Supervisory Board
COMPENSATION
€33K
AGE
50
TENURE
3.8 yrs

Peter Sidlo

TITLE
Member of the Supervisory Board
COMPENSATION
€5K
AGE
44
TENURE
1.4 yrs

Juraj Dvorák

TITLE
Member of the Supervisory Board
COMPENSATION
€5K
AGE
39
TENURE
1.4 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Wiener Privatbank'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. Wiener Privatbank 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

Is Wiener Privatbank SE (WBAG:WPB) Potentially Underrated?

Building up an investment case requires looking at a stock holistically. … Today I've chosen to put the spotlight on Wiener Privatbank SE (WBAG:WPB) due to its excellent fundamentals in more than one area. … If you're interested in understanding beyond my high-level commentary,

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Should You Buy Wiener Privatbank SE (VIE:WPB) At This PE Ratio?

Formula Price-Earnings Ratio = Price per share ÷ Earnings per share P/E Calculation for WPB Price per share = €13.9 Earnings per share = €1.646 ∴ Price-Earnings Ratio = €13.9 ÷ €1.646 = 8.4x The P/E ratio isn’t a metric you view in isolation and only becomes useful when you compare it against other similar companies. … At 8.4x, WPB’s P/E is lower than its industry peers (15.8x). … For example, if you are inadvertently comparing lower risk firms with WPB, then WPB’s P/E would naturally be lower than its peers, since investors would value those with lower risk with a higher price.

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Should You Have Wiener Privatbank SE's (VIE:WPB) In Your Portfolio?

WPB, with its market capitalisation of €57.05M, is a small-cap stock, which generally have higher beta than similar companies of larger size. … It seems as though there is an inconsistency in risks portrayed by WPB’s size and industry relative to its actual beta value. … I examine WPB’s ratio of fixed assets to total assets to see whether the company is highly exposed to the risk of this type of constraint.

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How Does Wiener Privatbank SE's (VIE:WPB) Earnings Growth Stack Up Against The Industry?

View our latest analysis for Wiener Privatbank Commentary On WPB's Past Performance For the purpose of this commentary, I like to use the ‘latest twelve-month’ data, which either annualizes the most recent 6-month earnings update, or in some cases, the most recent annual report is already the latest available financial data. … For Wiener Privatbank, its most recent bottom-line (trailing twelve month) is €7.64M, which, relative to the previous year's level, has risen by a somewhat muted 8.72%. … Since these figures may be relatively nearsighted, I have estimated an annualized five-year value for WPB's net income, which stands at €3.72M This means generally, Wiener Privatbank has been able to steadily grow its net income over the past few years as well.

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Company Info

Description

Wiener Privatbank SE provides independent consultancy services and bespoke solutions to private and institutional customers in Austria. The company operates through three segments: Banking, Real Estate, and Fiduciary & Administration. It offers private banking services, such as investment consulting; portfolio management; wealth planning and securities account analysis; securities, forex, and financial instrument trading; storage, safe custody, and physical precious metals trading; bank safe rentals; foreign currency accounts; and credit cards. The company also provides asset management services comprising fund management; portfolio selection and management; and selection of funds, stocks, and securities, as well as securities trading, brokerage, and research services. In addition, it assists and supports medium-sized enterprises with regard to capital market issues, including the provision of advisory services on structuring and conceptual design of capital market transactions, preparation and processing of issues, paying agent services, and support services with regard to Vienna Stock Exchange listing procedure. Further, the company develops investment solutions in the areas of retirement investment apartments and real estate investment companies; real estate funds and mortgage bonds; and real estate development, facility management, and real estate brokerage services. Wiener Privatbank SE was founded in 1981 and is based in Vienna, Austria.

Details
Name: Wiener Privatbank SE
WPB
Exchange: WBAG
Founded: 1981
€42,539,482
5,004,645
Website: http://www.wienerprivatbank.com
Address: Wiener Privatbank SE
Parkring 12,
Vienna,
Vienna, 1010,
Austria
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
WBAG WPB Common Stock Wiener Boerse AG AT EUR 27. Sep 2006
LSE 0JH2 Common Stock London Stock Exchange GB EUR 27. Sep 2006
Number of employees
Current staff
Staff numbers
101
Wiener Privatbank employees.
Industry
Asset Management and Custody Banks
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/21 20:42
End of day share price update: 2019/04/18 00:00
Last earnings filing: 2018/09/11
Last earnings reported: 2018/06/30
Last annual earnings reported: 2017/12/31


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.