SWX:BCJ

Stock Analysis Report

Banque Cantonale du Jura

Executive Summary

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


Snowflake Analysis

Mediocre balance sheet and slightly overvalued.

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

Stable Share Price: BCJ has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-0.9%

BCJ

6.4%

CH Banks

3.6%

CH Market


1 Year Return

0%

BCJ

-9.9%

CH Banks

-6.9%

CH Market

Return vs Industry: BCJ exceeded the Swiss Banks industry which returned -9.9% over the past year.

Return vs Market: BCJ exceeded the Swiss Market which returned -6.9% over the past year.


Shareholder returns

BCJIndustryMarket
7 Day-0.9%6.4%3.6%
30 Day-4.4%-8.2%-12.1%
90 Day-3.6%-6.9%-16.3%
1 Year3.4%0%-6.8%-9.9%-2.2%-6.9%
3 Yearn/a13.5%2.5%11.6%0.5%
5 Yearn/a32.8%11.1%16.1%-2.9%

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 compared to its fair value and its price relative to the market?

16.36x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: BCJ (CHF54) is trading above our estimate of fair value (CHF33.35)

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


Price To Earnings Ratio

PE vs Industry: BCJ is poor value based on its PE Ratio (16.4x) compared to the Banks industry average (14.7x).

PE vs Market: BCJ is good value based on its PE Ratio (16.4x) compared to the Swiss market (16.5x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate BCJ's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: BCJ is good value based on its PB Ratio (0.7x) compared to the CH Banks industry average (0.9x).


Next Steps

Future Growth

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

2.3%

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 Banque Cantonale du Jura 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.


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

Quality Earnings: BCJ has high quality earnings.

Growing Profit Margin: BCJ's current net profit margins (20.4%) are lower than last year (22%).


Past Earnings Growth Analysis

Earnings Trend: BCJ's earnings have grown by 2.9% per year over the past 5 years.

Accelerating Growth: BCJ's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BCJ had negative earnings growth (-7.4%) over the past year, making it difficult to compare to the Banks industry average (2.5%).


Return on Equity

High ROE: BCJ's Return on Equity (3.6%) is considered low.


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

Inventory Level: BCJ has a low level of unsold assets or inventory.

Debt Coverage by Assets: BCJ's debt is not covered by short term assets (assets are 0.4x debt).


Financial Institutions Analysis

Asset Level: BCJ's level of assets compared to its equity is moderate.

Allowance for Bad Loans: BCJ has a low allowance for bad loans.

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

Loan Level: BCJ has an acceptable proportion of non-loan assets held.

Low Risk Deposits: BCJ has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: BCJ has a high level of bad loans (3.33%)


Next Steps

Dividend

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

3.43%

Current Dividend Yield


Upcoming Dividend Payment

TodayMar 29 2020Ex Dividend DateMay 04 2020Dividend Pay DateMay 06 20202 days from Ex DividendBuy in the next 36 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: BCJ's dividend (3.43%) is higher than the bottom 25% of dividend payers in the Swiss market (2.13%).

High Dividend: BCJ's dividend (3.43%) is low compared to the top 25% of dividend payers in the Swiss market (4.32%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, BCJ has been paying a dividend for less than 10 years.

Growing Dividend: BCJ has only been paying a dividend for 2 years, and since then payments have not increased.


Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (56.1%), BCJ's dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

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

3.9yrs

Average board tenure


CEO

Bertrand Valley

27.17s

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

Compensation vs Market: Bertrand's total compensation ($USD452.96K) is below average for companies of similar size in the Swiss market ($USD914.91K).

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


Board Members

NamePositionTenureCompensationOwnership
Stéphane Ramseyer
Chairman of Vested Benefits & Savings Foundation and Member of the Management Boardno datano data0.0067% CHF10.8k
Christina Pamberg
Chairwoman of the Board3.92yrsCHF168.86k0.0033% CHF5.4k
Nicola Thibaudeau
Director4.17yrsCHF26.22k0.0033% CHF5.4k
Christian Budry
Vice Chairman of the Board1.5yrsCHF98.18k0.0067% CHF10.8k
Georges Humard
Director16.17yrsCHF27.31k0.0033% CHF5.4k
Alexandre Léchenne
Director1.92yrsCHF16.75k0.0033% CHF5.4k

3.9yrs

Average Tenure

54yo

Average Age

Experienced Board: BCJ's board of directors are considered experienced (3.9 years average tenure).


Ownership

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.


Ownership Breakdown

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


Top Shareholders

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:
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: CHF161.780m
  • 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 SA provides various banking products and services to individuals and businesses in Switzerland. It offers various accounts, personal loans, mortgage loans, funding services, and debit and credit cards. The company also provides wealth management and advisory, credit, asset management, payment, and e-banking services. Banque Cantonale du Jura SA is based in Porrentruy, Switzerland. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/03/29 00:22
End of Day Share Price2020/03/27 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


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.