SWX:BCJ

Stock Analysis Report

Banque Cantonale du Jura

Executive Summary

Banque Cantonale du Jura provides various banking products and services to individuals and businesses in Switzerland.

Snowflake

Fundamentals

Mediocre balance sheet and slightly overvalued.

Risks

  • Banque Cantonale du Jura is not covered by any analysts.

Share Price & News

How has Banque Cantonale du Jura's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

4.5%

SWX:BCJ

-0.7%

CH Banks

0.5%

CH Market


1 Year Return

6.4%

SWX:BCJ

-2.9%

CH Banks

3.1%

CH Market

BCJ outperformed the Banks industry which returned -2.8% over the past year.

BCJ outperformed the Market in Switzerland which returned 2.7% over the past year.


Share holder returns

BCJIndustryMarket
7 Day4.5%-0.7%0.5%
30 Day3.5%-1.1%-0.8%
90 Day4.5%-3.6%1.9%
1 Year9.9%6.4%0.4%-2.9%8.4%3.1%
3 Yearn/a19.2%7.5%30.6%17.3%
5 Yearn/a45.2%21.4%33.2%12.6%

Price Volatility Vs. Market

How volatile is Banque Cantonale du Jura's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Banque Cantonale du Jura undervalued based on future cash flows and its price relative to the stock market?

17.73x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Banque Cantonale du Jura's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Banque Cantonale du Jura's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Banque Cantonale du Jura is overvalued based on earnings compared to the CH Banks industry average.

Banque Cantonale du Jura is good value based on earnings compared to the Switzerland market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Banque Cantonale du Jura, we can't assess if its growth is good value.


Price Based on Value of Assets

Banque Cantonale du Jura is good value based on assets compared to the CH Banks industry average.


Next Steps

Future Growth

How is Banque Cantonale du Jura expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

9.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Banque Cantonale du Jura is high growth as no revenue estimate data is available.

Banque Cantonale du Jura's earnings are expected to grow by 9.4% yearly, however this is not considered high growth (20% yearly).

Unable to compare Banque Cantonale du Jura's revenue growth to the Switzerland market average as no estimate data is available.

Banque Cantonale du Jura's earnings growth is positive but not above the Switzerland market average.

Banque Cantonale du Jura's earnings growth is expected to exceed the low risk savings rate of 3.3%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Banque Cantonale du Jura will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Banque Cantonale du Jura performed over the past 5 years?

2.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Banque Cantonale du Jura's year on year earnings growth rate has been positive over the past 5 years.

Banque Cantonale du Jura's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Banque Cantonale du Jura's 1-year earnings growth is negative, it can't be compared to the CH Banks industry average.


Return on Equity

Banque Cantonale du Jura has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Banque Cantonale du Jura used its assets less efficiently than the CH Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Banque Cantonale du Jura improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Banque Cantonale du Jura'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

Information is not available.

Information is not available.


Financial Institutions Analysis

Banque Cantonale du Jura has an acceptable proportion of non-loan assets held.

Banque Cantonale du Jura has a low allowance for bad loans.

Banque Cantonale du Jura's liabilities are made up of primarily low risk sources of funding.

Banque Cantonale du Jura's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Banque Cantonale du Jura has advanced significantly more loans than the customer deposits it holds (i.e. bank has borrowed additional funds to lend).

Banque Cantonale du Jura has a high level of bad loans (greater than 2%).


Next Steps

Dividend

What is Banque Cantonale du Jura's current dividend yield, its reliability and sustainability?

3.16%

Current Dividend Yield


Dividend Yield and Payments Analysis

Banque Cantonale du Jura's pays a higher dividend yield than the bottom 25% of dividend payers in Switzerland (2.03%).

Banque Cantonale du Jura's dividend is below the markets top 25% of dividend payers in Switzerland (3.89%).

It is too early to tell whether Banque Cantonale du Jura has stable dividend payments.

Banque Cantonale du Jura only just started paying a dividend, it is too early to tell if payments are increasing.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.8x 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.


Next Steps

Management

What is the CEO of Banque Cantonale du Jura's salary, the management and board of directors tenure and is there insider trading?

3.3yrs

Average board tenure


CEO

Bertrand Valley 0

26.6yrs

Tenure

CHF433,165

Compensation

Mr. Bertrand Valley serves as the Chief Executive Officer of Banque Cantonale du Jura. Mr. Valley serves as the President of SDEJ (Société coopérative pour le développement de l’économie jurassienne). He s ...


CEO Compensation Analysis

Bertrand's remuneration is lower than average for companies of similar size in Switzerland.

Bertrand's compensation has been consistent with company performance over the past year, both up more than 20%.


Board Age and Tenure

3.3yrs

Average Tenure

54yo

Average Age

The tenure for the Banque Cantonale du Jura board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Stéphane Piquerez

    Member of the Management Board

    • Tenure: 0.0yrs
  • Martine Kohler

    Member of the Management Board

    • Tenure: 0.0yrs
  • Ronald Cramatte

    Secretary of Board of Directors & Member of Management Board

    • Tenure: 0.0yrs
  • Philippe Jobé

    Accounting Manager

    • Tenure: 0.0yrs
  • Bertrand Valley

    Director General

    • Tenure: 26.6yrs
    • Compensation: CHF433.17k
  • Stéphane Ramseyer

    Chairman of Vested Benefits & Savings Foundation and Member of the Management Board

    • Tenure: 0.0yrs
  • Grégory Chapuis

    Member of the Management Board

    • Tenure: 0.0yrs

Board Members

  • Christina Pamberg (51yo)

    Chairwoman of the Board

    • Tenure: 3.3yrs
    • Compensation: CHF168.86k
  • Nicola Thibaudeau (59yo)

    Director

    • Tenure: 3.6yrs
    • Compensation: CHF26.22k
  • Christian Budry (62yo)

    Vice Chairman of the Board

    • Tenure: 0.9yrs
    • Compensation: CHF98.18k
  • Georges Humard (54yo)

    Director

    • Tenure: 15.6yrs
    • Compensation: CHF27.31k
  • Stéphane Ramseyer

    Chairman of Vested Benefits & Savings Foundation and Member of the Management Board

    • Tenure: 0.0yrs
  • Alexandre Léchenne (50yo)

    Director

    • Tenure: 1.3yrs
    • Compensation: CHF16.75k

Company Information

Banque Cantonale du Jura SA's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Banque Cantonale du Jura SA
  • Ticker: BCJ
  • Exchange: SWX
  • Founded: 1979
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: CHF175.262m
  • Shares outstanding: 3.00m
  • Website: https://www.bcj.ch

Number of Employees


Location

  • Banque Cantonale du Jura SA
  • Rue de la Chaumont 10
  • Porrentruy
  • Jura
  • 2900
  • Switzerland

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BCJSWX (SIX Swiss Exchange)YesRegistered SharesCHCHFMay 2017
0ROVLSE (London Stock Exchange)YesRegistered SharesGBCHFMay 2017

Biography

Banque Cantonale du Jura provides various banking products and services to individuals and businesses in Switzerland. It offers various accounts, personal loans, mortgage loans, funding services, and debit ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/19 22:14
End of Day Share Price2019/08/19 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.