WSE:BOS

Stock Analysis Report

Bank Ochrony Srodowiska

Executive Summary

Bank Ochrony Srodowiska S.A. provides various banking products and services in Poland.

Snowflake

Fundamentals

Adequate balance sheet and fair value.

Share Price & News

How has Bank Ochrony Srodowiska's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.7%

BOS

3.5%

PL Banks

2.1%

PL Market


1 Year Return

2.7%

BOS

-6.1%

PL Banks

-2.7%

PL Market

Return vs Industry: BOS exceeded the Polish Banks industry which returned -6.1% over the past year.

Return vs Market: BOS exceeded the Polish Market which returned -2.7% over the past year.


Shareholder returns

BOSIndustryMarket
7 Day-1.7%3.5%2.1%
30 Day-6.0%-2.7%-1.6%
90 Day-12.2%-9.1%-6.9%
1 Year2.7%2.7%-2.9%-6.1%0.2%-2.7%
3 Year-24.6%-24.6%17.0%8.4%12.1%4.1%
5 Year-83.1%-83.1%-12.0%-22.6%-0.5%-12.5%

Price Volatility Vs. Market

How volatile is Bank Ochrony Srodowiska's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Bank Ochrony Srodowiska undervalued compared to its fair value and its price relative to the market?

8.7x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Undervalued: Insufficient data to calculate BOS's fair value to establish if it is undervalued.

Significantly Undervalued: Insufficient data to calculate BOS's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: BOS is good value based on its PE Ratio (8.7x) compared to the Banks industry average (13.2x).

PE vs Market: BOS is good value based on its PE Ratio (8.7x) compared to the Polish market (10.1x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: BOS is good value based on its PB Ratio (0.3x) compared to the PL Banks industry average (1x).


Next Steps

Future Growth

How is Bank Ochrony Srodowiska forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

23.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: BOS's forecast earnings growth (23.5% per year) is above the savings rate (2.9%).

Earnings vs Market: BOS's earnings (23.5% per year) are forecast to grow faster than the Polish market (10.6% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: Insufficient data to determine if BOS's revenue is forecast to grow faster than the Polish market.

High Growth Revenue: Insufficient data to determine if BOS's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High Future ROE: Insufficient data to determine if BOS's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Bank Ochrony Srodowiska performed over the past 5 years?

9.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: BOS's earnings have grown by 9.2% per year over the past 5 years.

Accelerating Growth: BOS's earnings growth over the past year (99.7%) exceeds its 5-year average (9.2% per year).

Earnings vs Industry: BOS earnings growth over the past year (99.7%) exceeded the Banks industry 2.9%.


Return on Equity

High ROE: BOS's Return on Equity (3.4%) is considered low.


Return on Assets

ROA vs Industry: BOS's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate BOS's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Bank Ochrony Srodowiska'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: BOS has a low level of unsold assets or inventory.

Debt Coverage by Assets: BOS's debt is covered by short term assets (assets are 1.198080x debt).


Financial Institutions Analysis

Asset Level: BOS's level of assets compared to its equity is low.

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

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

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

Low Risk Deposits: BOS's loans are broadly funded by customer deposits.

Level of Bad Loans: BOS has a high level of bad loans (12.87%)


Next Steps

Dividend

What is Bank Ochrony Srodowiska's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

company0%marketbottom25%2.6%markettop25%7.2%industryaverage4.6%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate BOS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate BOS's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if BOS's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if BOS's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: BOS is not paying a notable dividend for the Polish market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of BOS's dividend in 3 years as they are not forecast to pay a notable one for the Polish market.


Next Steps

Management

What is the CEO of Bank Ochrony Srodowiska's salary, the management and board of directors tenure and is there insider trading?

0.3yrs

Average management tenure


CEO

Boguslaw Bialowas 0

2.1yrs

Tenure

0

Mr. Boguslaw Adam Bialowas has been President of the Management Board at Bank Ochrony Srodowiska S.A. since November 2017. Mr. Bialowas served as Vice President & Acting President of the Management Board a ...


Management Age and Tenure

0.3yrs

Average Tenure

Experienced Management: BOS's management team is not considered experienced ( 0.3 years average tenure), which suggests a new team.


Board Age and Tenure

2.5yrs

Average Tenure

Experienced Board: BOS's board of directors are not considered experienced ( 2.5 years average tenure), which suggests a new board.


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Emil Slazak (43yo)

    Interim Member of the Management Board & Supervisory Board Member

    • Tenure: 3.7yrs
  • Andrzej Matysiak

    Supervisory Board Member & Secretary

    • Tenure: 3.7yrs
  • Arkadiusz Garbarczyk

    Vice President- First Deputy President of the Management Board

    • Tenure: 0yrs
  • Agnieszka Zelazko

    Chief Public Relations Specialist

    • Tenure: 0yrs
  • Boguslaw Bialowas

    President of Management Board

    • Tenure: 2.1yrs

Board Members

  • Wojciech Wardacki

    Supervisory Board Chairman

    • Tenure: 3.7yrs
  • Emil Slazak (43yo)

    Interim Member of the Management Board & Supervisory Board Member

    • Tenure: 3.7yrs
  • Andrzej Matysiak

    Supervisory Board Member & Secretary

    • Tenure: 3.7yrs
  • Katarzyna Lewandowska

    Vice Chairman Supervisory Board

    • Tenure: 0.3yrs
  • Piotr Sadownik (49yo)

    Supervisory Board Member

    • Tenure: 3.7yrs
  • Ireneusz Purgacz

    Supervisory Board Member

    • Tenure: 0.3yrs
  • Janina Goss

    Supervisory Board Member

    • Tenure: 3.3yrs
  • Iwona Duda

    Member of Supervisory Board

    • Tenure: 1.7yrs
  • Pawel Salek

    Supervisory Board Member

    • Tenure: 0.3yrs
  • Radoslaw Rasala

    Supervisory Board Member

    • Tenure: 0.3yrs

Company Information

Bank Ochrony Srodowiska S.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Bank Ochrony Srodowiska S.A.
  • Ticker: BOS
  • Exchange: WSE
  • Founded: 1990
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: zł641.078m
  • Shares outstanding: 92.91m
  • Website: https://www.bosbank.pl

Number of Employees


Location

  • Bank Ochrony Srodowiska S.A.
  • Zelazna 32 Street
  • Warsaw
  • 00-832
  • Poland

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BOSWSE (Warsaw Stock Exchange)YesCommon StockPLPLNFeb 1997

Biography

Bank Ochrony Srodowiska S.A. provides various banking products and services in Poland. The company operates through Corporate Client and Public Finance; Retail Client; Treasury and Investment Activity; Bro ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/17 20:42
End of Day Share Price2019/10/17 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.