Bank7 Corp.

DB:J0N Stock Report

Market Cap: €427.1m

Bank7 Valuation

Is J0N undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of J0N when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: J0N (€45.2) is trading below our estimate of fair value (€98.62)

Significantly Below Fair Value: J0N is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for J0N?

Key metric: As J0N is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for J0N. This is calculated by dividing J0N's market cap by their current earnings.
What is J0N's PE Ratio?
PE Ratio12.7x
EarningsUS$35.66m
Market CapUS$447.45m

Price to Earnings Ratio vs Peers

How does J0N's PE Ratio compare to its peers?

The above table shows the PE ratio for J0N vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average10.2x
PCZ ProCredit Holding
4.4x10.7%€451.2m
MBK Merkur PrivatBank KgaA
10.2x8.6%€108.9m
SCZC West Coast Community Bancorp
12.6xn/aUS$435.6m
THVB Thomasville Bancshares
13.6xn/aUS$441.5m
J0N Bank7
12.7x0.3%€447.4m

Price-To-Earnings vs Peers: J0N is expensive based on its Price-To-Earnings Ratio (12.7x) compared to the peer average (10.2x).

Price to Earnings Ratio vs Industry

How does J0N's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
J0N 12.7xIndustry Avg. 7.3xNo. of Companies45PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: J0N is expensive based on its Price-To-Earnings Ratio (12.7x) compared to the European Banks industry average (7.3x).

Price to Earnings Ratio vs Fair Ratio

What is J0N'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.

J0N PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12.7x
Fair PE Ratio8.1x

Price-To-Earnings vs Fair Ratio: J0N is expensive based on its Price-To-Earnings Ratio (12.7x) compared to the estimated Fair Price-To-Earnings Ratio (8.1x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst J0N forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€45.20
€42.07
-6.9%
1.8%€42.98€41.15n/a3
Nov ’25€39.00
€42.07
+7.9%
1.8%€42.98€41.15n/a3
Oct ’25€33.40
€37.49
+12.2%
6.9%€41.10€35.23n/a3
Sep ’25€35.40
€36.10
+2.0%
1.2%€36.71€35.79n/a3
Aug ’25€37.80
€36.10
-4.5%
1.2%€36.71€35.79n/a3
Jul ’25€28.60
€33.39
+16.8%
9.5%€36.52€29.03n/a3
Jun ’25€26.60
€32.90
+23.7%
9.3%€36.66€29.14n/a3
May ’25€25.40
€32.90
+29.5%
9.3%€36.66€29.14n/a3
Apr ’25€25.60
€32.02
+25.1%
11.1%€36.95€28.63n/a3
Mar ’25€25.60
€33.32
+30.1%
10.4%€37.02€28.69n/a3
Feb ’25€25.60
€33.32
+30.1%
10.4%€37.02€28.69n/a3
Jan ’25€24.10
€29.99
+24.5%
6.5%€32.72€28.18n/a3
Dec ’24n/a
€27.32
0%
17.6%€33.91€22.61n/a3
Nov ’24n/a
€27.32
0%
17.6%€33.91€22.61€39.003
Oct ’24n/a
€30.14
0%
11.6%€34.27€25.70€33.403
Sep ’24n/a
€29.06
0%
11.9%€32.36€24.27€35.403
Aug ’24n/a
€29.06
0%
11.9%€32.36€24.27€37.803
Jul ’24n/a
€28.71
0%
11.8%€32.98€24.74€28.603
Jun ’24n/a
€28.56
0%
11.8%€32.81€24.61€26.603
May ’24n/a
€28.56
0%
11.8%€32.81€24.61€25.403
Apr ’24n/a
€31.96
0%
9.8%€35.03€27.66€25.603
Mar ’24n/a
€31.96
0%
9.8%€35.03€27.66€25.603
Feb ’24n/a
€31.96
0%
9.8%€35.03€27.66€25.603
Jan ’24n/a
€34.41
0%
9.6%€38.46€30.37€24.103
Dec ’23n/a
€34.41
0%
9.6%€38.46€30.37n/a3
Nov ’23n/a
€34.41
0%
9.6%€38.46€30.37n/a3

Analyst Forecast: Target price is lower than the current share price.

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