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Last Updated

2021/05/07 08:04 UTC

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Company Financials +

Executive Summary

Auswide Bank Ltd provides various personal and business banking products and services in Australia. More Details

Snowflake Analysis

Flawless balance sheet with proven track record.

Similar Companies

Share Price & News

How has Auswide Bank's share price performed over time and what events caused price changes?

Latest Share Price and Events

Stable Share Price: ABA is less volatile than 75% of Australian stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: ABA's weekly volatility (3%) has been stable over the past year.

Market Performance

7 Day Return




AU Mortgage


AU Market

1 Year Return




AU Mortgage


AU Market

Return vs Industry: ABA matched the Australian Mortgage industry which returned 43% over the past year.

Return vs Market: ABA exceeded the Australian Market which returned 37.3% over the past year.

Shareholder returns

7 Day-1.1%-0.2%-0.5%
30 Day-4.9%3.4%2.3%
90 Day3.8%2.8%2.9%
1 Year50.7%43.4%45.2%43.0%41.4%37.3%
3 Year35.2%14.2%31.1%6.2%31.1%15.3%
5 Year66.9%25.3%51.3%-5.2%62.1%31.8%

Long-Term Price Volatility Vs. Market

How volatile is Auswide Bank's share price compared to the market and industry in the last 5 years?

Simply Wall St News


Is Auswide Bank 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: ABA (A$6.34) is trading above our estimate of fair value (A$4.02)

Significantly Below Fair Value: ABA is trading above our estimate of fair value.

Price To Earnings Ratio

PE vs Industry: ABA is good value based on its PE Ratio (13x) compared to the AU Mortgage industry average (13.4x).

PE vs Market: ABA is good value based on its PE Ratio (13x) compared to the Australian market (20.6x).

Price to Earnings Growth Ratio

PEG Ratio: ABA is poor value based on its PEG Ratio (2.9x)

Price to Book Ratio

PB vs Industry: ABA's PB Ratio (1.1x) is in line with the AU Mortgage industry average.

Future Growth

How is Auswide Bank forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: ABA's forecast earnings growth (4.5% per year) is above the savings rate (1.9%).

Earnings vs Market: ABA's earnings (4.5% per year) are forecast to grow slower than the Australian market (14% per year).

High Growth Earnings: ABA's earnings are forecast to grow, but not significantly.

Revenue vs Market: ABA's revenue (2.9% per year) is forecast to grow slower than the Australian market (5.3% per year).

High Growth Revenue: ABA's revenue (2.9% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if ABA's Return on Equity is forecast to be high in 3 years time

Past Performance

How has Auswide Bank performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: ABA has high quality earnings.

Growing Profit Margin: ABA's current net profit margins (25.7%) are higher than last year (24.2%).

Past Earnings Growth Analysis

Earnings Trend: ABA's earnings have grown by 10.1% per year over the past 5 years.

Accelerating Growth: ABA's earnings growth over the past year (15.2%) exceeds its 5-year average (10.1% per year).

Earnings vs Industry: ABA earnings growth over the past year (15.2%) underperformed the Mortgage industry 15.2%.

Return on Equity

High ROE: ABA's Return on Equity (8.3%) is considered low.

Financial Health

How is Auswide 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: ABA's Assets to Equity ratio (16.1x) is moderate.

Allowance for Bad Loans: ABA has a sufficient allowance for bad loans (135%).

Low Risk Liabilities: 85% of ABA's liabilities are made up of primarily low risk sources of funding.

Loan Level: ABA has an appropriate level of Loans to Assets ratio (85%).

Low Risk Deposits: ABA's Loans to Deposits ratio (107%) is appropriate.

Level of Bad Loans: ABA has an appropriate level of bad loans (0.2%).


What is Auswide Bank current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: ABA's dividend (4.69%) is higher than the bottom 25% of dividend payers in the Australian market (2.03%).

High Dividend: ABA's dividend (4.69%) is low compared to the top 25% of dividend payers in the Australian market (5.25%).

Stability and Growth of Payments

Stable Dividend: ABA's dividend payments have been volatile in the past 10 years.

Growing Dividend: ABA's dividend payments have fallen over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (60.9%), ABA's dividend payments are covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: ABA's dividends in 3 years are forecast to be covered by earnings (63.3% payout ratio).

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Martin Barrett (55 yo)





Mr. Martin John Barrett, BA(ECON), MBA, has served as Managing Director and Director of Auswide Bank Ltd. since September 19, 2013 and served as its Chief Executive Officer since February 04, 2013 until Se...

CEO Compensation Analysis

Compensation vs Market: Martin's total compensation ($USD582.89K) is about average for companies of similar size in the Australian market ($USD496.94K).

Compensation vs Earnings: Martin's compensation has been consistent with company performance over the past year.

Leadership Team

Experienced Management: ABA's management team is seasoned and experienced (6.6 years average tenure).

Board Members

Experienced Board: ABA's board of directors are considered experienced (4 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: ABA insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

Auswide Bank Ltd's company bio, employee growth, exchange listings and data sources

Key Information

  • Name: Auswide Bank Ltd
  • Ticker: ABA
  • Exchange: ASX
  • Founded: 1966
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: AU$276.070m
  • Shares outstanding: 42.87m
  • Website:


  • Auswide Bank Ltd
  • 16-20 Barolin Street
  • Bundaberg
  • Queensland
  • 4670
  • Australia



Auswide Bank Ltd provides various personal and business banking products and services in Australia. The company accepts personal and business accounts, and term deposits; and grants home loans, car and per...

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/07 08:04
End of Day Share Price2021/05/07 00:00
Annual Earnings2020/06/30

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.