Bank of Queensland Limited, together with its subsidiaries, provides various financial products and services in Australia.
Flawless balance sheet and good value.
Share Price & News
How has Bank of Queensland's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BOQ's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: BOQ underperformed the Australian Banks industry which returned -25% over the past year.
Return vs Market: BOQ underperformed the Australian Market which returned -7% over the past year.
Price Volatility Vs. Market
How volatile is Bank of Queensland's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 months ago | Simply Wall StAre Insiders Buying Bank of Queensland Limited (ASX:BOQ) Stock?
3 months ago | Simply Wall StCould Bank of Queensland Limited's (ASX:BOQ) Investor Composition Influence The Stock Price?
4 months ago | Simply Wall StImagine Owning Bank of Queensland (ASX:BOQ) And Wondering If The 40% Share Price Slide Is Justified
Is Bank of Queensland 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: BOQ (A$6.21) is trading above our estimate of fair value (A$4.71)
Significantly Below Fair Value: BOQ is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BOQ is good value based on its PE Ratio (11x) compared to the Banks industry average (11.1x).
PE vs Market: BOQ is good value based on its PE Ratio (11x) compared to the Australian market (16x).
Price to Earnings Growth Ratio
PEG Ratio: BOQ is good value based on its PEG Ratio (0.7x)
Price to Book Ratio
PB vs Industry: BOQ is good value based on its PB Ratio (0.7x) compared to the AU Banks industry average (1x).
How is Bank of Queensland forecast to perform in the next 1 to 3 years based on estimates from 13 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BOQ's forecast earnings growth (16.5% per year) is above the savings rate (2.3%).
Earnings vs Market: BOQ's earnings (16.5% per year) are forecast to grow faster than the Australian market (15% per year).
High Growth Earnings: BOQ's earnings are forecast to grow, but not significantly.
Revenue vs Market: BOQ's revenue (1.3% per year) is forecast to grow slower than the Australian market (4.2% per year).
High Growth Revenue: BOQ's revenue (1.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BOQ's Return on Equity is forecast to be low in 3 years time (7.8%).
How has Bank of Queensland performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BOQ has high quality earnings.
Growing Profit Margin: BOQ's current net profit margins (23%) are lower than last year (30%).
Past Earnings Growth Analysis
Earnings Trend: BOQ's earnings have declined by -1.7% per year over the past 5 years.
Accelerating Growth: BOQ's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BOQ had negative earnings growth (-26.1%) over the past year, making it difficult to compare to the Banks industry average (-13.6%).
Return on Equity
High ROE: BOQ's Return on Equity (5.6%) is considered low.
How is Bank of Queensland'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: BOQ's Assets to Equity ratio (13.2x) is moderate.
Allowance for Bad Loans: BOQ has a sufficient allowance for bad loans (120%).
Low Risk Liabilities: 75% of BOQ's liabilities are made up of primarily low risk sources of funding.
Loan Level: BOQ has an appropriate level of Loans to Assets ratio (84%).
Low Risk Deposits: BOQ's Loans to Deposits ratio (123%) is appropriate.
Level of Bad Loans: BOQ has an appropriate level of bad loans (0.4%).
What is Bank of Queensland's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate BOQ's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate BOQ's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if BOQ's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if BOQ's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: BOQ is not paying a notable dividend for the Australian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of BOQ's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
George Frazis (55yo)
Mr. George Frazis, B Eng (Hons) MBA (AGSM) MBA (Wharton) serves as the MD, CEO & Director of Bank of Queensland Ltd. since September 5, 2019. Mr. Frazis was an Executive Officer at Westpac Banking Corporat ...
|Group Executive People & Culture||1.75yrs||AU$602.58k||no data|
|Group Executive of Retail Banking||1.83yrs||AU$1.38m||0.011% A$319.4k|
|Chief Risk Officer||1yr||AU$659.07k||0.0088% A$247.9k|
|MD, CEO & Director||0.75yr||no data||0.011% A$310.4k|
|CFO & COO||0.58yr||no data||no data|
|General Manager of Investor Relations||no data||no data||no data|
|Head of Funding||no data||no data||no data|
|Head of Corporate Affairs||no data||no data||no data|
|Head of BOQ Broker||2yrs||no data||no data|
|Deputy CFO||0.58yr||no data||no data|
Experienced Management: BOQ's management team is not considered experienced ( 1 years average tenure), which suggests a new team.
|MD, CEO & Director||0.75yr||no data||0.011% A$310.4k|
|Non-Executive Independent Chairman||0.67yr||AU$61.14k||0.030% A$833.0k|
|Non-Executive Independent Director||3.75yrs||AU$210.80k||0.0064% A$180.8k|
|Non-Executive Independent Director||4.58yrs||AU$245.61k||0.0037% A$105.6k|
|Non-Executive Independent Director||4.42yrs||AU$208.05k||0.0047% A$131.3k|
|Non-Executive Independent Director||9.33yrs||AU$255.75k||0.0044% A$122.8k|
|Non-Executive Independent Director||6.33yrs||AU$261.28k||0.010% A$286.5k|
|Independent Non-Executive Director||1.08yrs||AU$61.14k||0.0016% A$45.1k|
Experienced Board: BOQ's board of directors are considered experienced (4.1 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.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 12%.
Bank of Queensland Limited's company bio, employee growth, exchange listings and data sources
- Name: Bank of Queensland Limited
- Ticker: BOQ
- Exchange: ASX
- Founded: 1874
- Industry: Regional Banks
- Sector: Banks
- Market Cap: AU$2.817b
- Shares outstanding: 453.61m
- Website: https://www.boq.com.au
Number of Employees
- Bank of Queensland Limited
- 100 Skyring Terrace
- Level 6
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BOQ||ASX (Australian Securities Exchange)||Yes||Ordinary Shares||AU||AUD||Jan 1992|
|BKQN.F||OTCPK (Pink Sheets LLC)||Yes||Ordinary Shares||US||USD||Jan 1992|
|BXZ||DB (Deutsche Boerse AG)||Yes||Ordinary Shares||DE||EUR||Jan 1992|
|BOQ||CHIA (Chi-X Australia)||Yes||Ordinary Shares||AU||AUD||Jan 1992|
|BKQN.Y||OTCPK (Pink Sheets LLC)||UNSPONSORED ADR||US||USD||Nov 2008|
|BOQPD||ASX (Australian Securities Exchange)||NPV PERP EQTY PRF (CPS)||AU||AUD||Dec 2012|
Bank of Queensland Limited, together with its subsidiaries, provides various financial products and services in Australia. The company operates in Retail Banking, BOQ Business, and Other segments. It offers personal banking services comprises savings and term deposits, and transactional accounts; debit and credit cards; home, personal, and car loans; and travel, home, content, and car insurance; as well as investment services comprising online share trading services; and self-managed superannuation funds. The company’s business banking services include transaction accounts, and savings and investment accounts; loans and finance products; merchant and payment products; and financial market and international services. It also offers Internet and mobile banking services. As of August 31, 2019, it had 65 corporate branches and 95 owner managed branches; and 572 company branded ATMs and 1,033 other ATMs, as well as 7 transaction centers. Bank of Queensland Limited was founded in 1874 and is based in Newstead, Australia.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/06/06 10:40|
|End of Day Share Price||2020/06/05 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.