BACB Stock Overview
Bulgarian-American Credit Bank AD provides banking products and services to individual and corporate clients in Bulgaria.
Bulgarian-American Credit Bank AD Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||лв6.25|
|52 Week High||лв6.85|
|52 Week Low||лв5.65|
|1 Month Change||-3.85%|
|3 Month Change||n/a|
|1 Year Change||n/a|
|3 Year Change||-3.10%|
|5 Year Change||-8.77%|
|Change since IPO||-90.53%|
Recent News & Updates
Bulgarian-American Credit Bank AD (BUL:BACB) Shareholders Booked A 37% Gain In The Last Five Years
When we invest, we're generally looking for stocks that outperform the market average. Buying under-rated businesses is...
|BACB||BG Banks||BG Market|
Return vs Industry: Insufficient data to determine how BACB performed against the BG Banks industry.
Return vs Market: Insufficient data to determine how BACB performed against the BG Market.
|BACB Average Weekly Movement||n/a|
|Banks Industry Average Movement||4.6%|
|Market Average Movement||5.6%|
|10% most volatile stocks in BG Market||10.3%|
|10% least volatile stocks in BG Market||2.8%|
Stable Share Price: Insufficient data to determine BACB's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine BACB's volatility change over the past year.
About the Company
Bulgarian-American Credit Bank AD provides banking products and services to individual and corporate clients in Bulgaria. The company offers current and savings, clean, switching payment, joint current, and escrow accounts. It also provides quick money transfer, visa cards, and debit and credit card services.
Bulgarian-American Credit Bank AD Fundamentals Summary
|BACB fundamental statistics|
Is BACB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BACB income statement (TTM)|
|Cost of Revenue||лв0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.80|
|Net Profit Margin||36.47%|
How did BACB perform over the long term?See historical performance and comparison
Is BACB undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for BACB?
Other financial metrics that can be useful for relative valuation.
|What is BACB's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does BACB's PE Ratio compare to its peers?
|BACB PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
CCB Central Cooperative Bank AD
TXIM Texim Bank AD
FIB First Investment Bank AD
BOAS Bank Of Africa Senegal
BACB Bulgarian-American Credit Bank AD
Price-To-Earnings vs Peers: BACB is good value based on its Price-To-Earnings Ratio (7.8x) compared to the peer average (46.6x).
Price to Earnings Ratio vs Industry
How does BACB's PE Ratio compare vs other companies in the European Banks Industry?
Price-To-Earnings vs Industry: BACB is good value based on its Price-To-Earnings Ratio (7.8x) compared to the European Banks industry average (8.6x)
Price to Earnings Ratio vs Fair Ratio
What is BACB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||7.8x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate BACB's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of BACB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: BACB (BGN6.25) is trading below our estimate of fair value (BGN10.98)
Significantly Below Fair Value: BACB is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BACB's PEG Ratio to determine if it is good value.
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How is Bulgarian-American Credit Bank AD forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 Bulgarian-American Credit Bank AD 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.
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- Examine whether Bulgarian-American Credit Bank AD is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
How has Bulgarian-American Credit Bank AD performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BACB has high quality earnings.
Growing Profit Margin: BACB's current net profit margins (36.5%) are higher than last year (29%).
Past Earnings Growth Analysis
Earnings Trend: BACB's earnings have grown by 16.6% per year over the past 5 years.
Accelerating Growth: BACB's earnings growth over the past year (43.7%) exceeds its 5-year average (16.6% per year).
Earnings vs Industry: BACB earnings growth over the past year (43.7%) exceeded the Banks industry 33.6%.
Return on Equity
High ROE: BACB's Return on Equity (8.4%) is considered low.
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How is Bulgarian-American Credit Bank AD's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BACB's Assets to Equity ratio (10.5x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if BACB has a sufficient allowance for bad loans.
Low Risk Liabilities: 98% of BACB's liabilities are made up of primarily low risk sources of funding.
Loan Level: BACB has an appropriate level of Loans to Assets ratio (50%).
Low Risk Deposits: BACB's Loans to Deposits ratio (57%) is appropriate.
Level of Bad Loans: Insufficient data to determine if BACB has an appropriate level of bad loans.
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What is Bulgarian-American Credit Bank AD current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate BACB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate BACB'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 BACB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if BACB's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of BACB's dividend in 3 years as they are not forecast to pay a notable one for the BG market.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Ilian Petrov Georgiev has been Chief Executive Officer of Bulgarian-American Credit Bank AD and its Executive Director of Bulgarian American Credit Bank since September 30th, 2013. Mr. Georgiev has bee...
CEO Compensation Analysis
Compensation vs Market: Insufficient data to establish whether Ilian's total compensation is reasonable compared to companies of similar size in the BG market.
Compensation vs Earnings: Ilian's compensation has been consistent with company performance over the past year.
Experienced Management: BACB's management team is seasoned and experienced (9 years average tenure).
Experienced Board: BACB's board of directors are seasoned and experienced ( 11 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.
Bulgarian-American Credit Bank AD's employee growth, exchange listings and data sources
- Name: Bulgarian-American Credit Bank AD
- Ticker: BACB
- Exchange: BUL
- Founded: 1995
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: лв154.321m
- Shares outstanding: 24.69m
- Website: https://www.bacb.bg
Number of Employees
- Bulgarian-American Credit Bank AD
- 2 Slavyanska Street
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/04 00:00|
|End of Day Share Price||2022/06/27 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.