OTCPK:BKPK.F

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Bank Polska Kasa Opieki

Executive Summary

Bank Polska Kasa Opieki S.A., a commercial bank, provides a range of banking products and services to retail and corporate clients in Poland and internationally.


Snowflake Analysis

Good value with adequate balance sheet.


Similar Companies

Share Price & News

How has Bank Polska Kasa Opieki's share price performed over time and what events caused price changes?


Latest Share Price and Events

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


Market Performance


7 Day Return

0%

BKPK.F

7.1%

US Banks

-0.04%

US Market


1 Year Return

n/a

BKPK.F

-14.6%

US Banks

17.1%

US Market

Return vs Industry: Insufficient data to determine how BKPK.F performed against the US Banks industry.

Return vs Market: Insufficient data to determine how BKPK.F performed against the US Market.


Shareholder returns

BKPK.FIndustryMarket
7 Day0%7.1%-0.04%
30 Day0%8.7%5.1%
90 Dayn/a22.8%19.5%
1 Yearn/a-11.6%-14.6%19.6%17.1%
3 Yearn/a-7.4%-14.9%42.5%33.3%
5 Yearn/a18.3%3.9%75.1%56.2%

Price Volatility Vs. Market

How volatile is Bank Polska Kasa Opieki's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Bank Polska Kasa Opieki undervalued compared to its fair value and its price relative to the market?

7.89x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: BKPK.F ($14.45) is trading above our estimate of fair value ($10.35)

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


Price To Earnings Ratio

PE vs Industry: BKPK.F is good value based on its PE Ratio (7.9x) compared to the US Banks industry average (10x).

PE vs Market: BKPK.F is good value based on its PE Ratio (7.9x) compared to the US market (19.2x).


Price to Earnings Growth Ratio

PEG Ratio: BKPK.F is good value based on its PEG Ratio (0.4x)


Price to Book Ratio

PB vs Industry: BKPK.F is good value based on its PB Ratio (0.6x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

How is Bank Polska Kasa Opieki forecast to perform in the next 1 to 3 years based on estimates from 13 analysts?

21.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: BKPK.F's forecast earnings growth (21.2% per year) is above the savings rate (2.2%).

Earnings vs Market: BKPK.F's earnings (21.2% per year) are forecast to grow slower than the US market (24% per year).

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

Revenue vs Market: BKPK.F's revenue (3.3% per year) is forecast to grow slower than the US market (9.4% per year).

High Growth Revenue: BKPK.F's revenue (3.3% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: BKPK.F's Return on Equity is forecast to be low in 3 years time (7.9%).


Next Steps

Past Performance

How has Bank Polska Kasa Opieki performed over the past 5 years?

-2.4%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: BKPK.F has a high level of non-cash earnings.

Growing Profit Margin: BKPK.F's current net profit margins (26.1%) are lower than last year (28.8%).


Past Earnings Growth Analysis

Earnings Trend: BKPK.F's earnings have declined by 2.4% per year over the past 5 years.

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

Earnings vs Industry: BKPK.F had negative earnings growth (-13.5%) over the past year, making it difficult to compare to the Banks industry average (-3%).


Return on Equity

High ROE: BKPK.F's Return on Equity (7.6%) is considered low.


Next Steps

Financial Health

How is Bank Polska Kasa Opieki'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


Financial Institutions Analysis

Asset Level: BKPK.F's Assets to Equity ratio (9.5x) is low.

Allowance for Bad Loans: BKPK.F has a low allowance for bad loans (83%).

Low Risk Liabilities: 88% of BKPK.F's liabilities are made up of primarily low risk sources of funding.

Loan Level: BKPK.F has an appropriate level of Loans to Assets ratio (61%).

Low Risk Deposits: BKPK.F's Loans to Deposits ratio (77%) is appropriate.

Level of Bad Loans: BKPK.F has a high level of bad loans (5.7%).


Next Steps

Dividend

What is Bank Polska Kasa Opieki current dividend yield, its reliability and sustainability?

6.73%

Forecast Dividend Yield


Dividend Yield vs Market

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

High Dividend: Unable to evaluate BKPK.F'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 BKPK.F's dividends per share have been stable in the past.

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


Current Payout to Shareholders

Dividend Coverage: BKPK.F is not paying a notable dividend for the US market.


Future Payout to Shareholders

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


Next Steps

Management

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

0.6yrs

Average management tenure


CEO

Leszek Skiba

0.33

Tenure

Mr. Leszek Skiba serves as President of the Management Board at Bank Polska Kasa Opieki SA since April 22, 2020 and its Acting Chief Executive Officer since April 2020. Prior to this he served as Poland's ...


Leadership Team

NamePositionTenureCompensationOwnership
Tomasz Kubiak
Vice President of the Management Board of Financial Division3.08yrszł1.89mno data
Tomasz Styczynski
Vice President of the Management Board - Corporate Banking3.08yrszł1.93mno data
Marek Tomczuk
Vice President of Management Board - Retail Banking Division3yrszł2.30mno data
Magdalena Zmitrowicz
Vice President of the Management Board - SME Banking Division1.67yrszł1.21mno data
Grzegorz Olszewski
Vice President of Management Board - Technology & Operations Division0.33yrzł815.47kno data
Marcin Gadomski
Vice President of the Management Board - Risk Management Division0.58yrzł877.50kno data
Leszek Skiba
President of the Management Board & Acting CEO0.33yrno datano data
Jaroslaw Fuchs
Vice President of the Management Board - Private Banking & Investment Products Division0.50yrno datano data
Krzysztof Kozlowski
Vice President of the Management Board0.33yrno datano data
Pawel Rzezniczak
Head of IR & Corporate Developmentno datano datano data
Katarzyna Niezgoda-Walczak
Head of Retail Banking Bank BPHno datazł333.00kno data
Roberto Vergnano
Executive Vice President and Head of GBSno datano datano data

0.6yrs

Average Tenure

Experienced Management: BKPK.F's management team is not considered experienced ( 0.6 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Stanislaw Kaczoruk
Supervisory Board Member3.17yrszł183.00kno data
Michal Kaszynski
Independent Member of the Supervisory Board3.17yrszł167.00kno data
Justyna Glebikowska-Michalak
Independent Member of the Supervisory Board3.17yrszł183.00kno data
Joanna Blaszczyk
Deputy Chairwoman of the Supervisory Board0.25yrzł183.00kno data
Sabina Bigos-Jaworowska
Independent Member of the Supervisory Board3.17yrszł167.00kno data
Marian Majcher
Independent Member of the Supervisory Board3.17yrszł167.00kno data
Malgorzata Sadurska
Member of Supervisory Board0.25yrno datano data
Marcin Eckert
Deputy Chairman of the Supervisory Board0.25yrno datano data
Beata Kozlowska–Chyla
Chairwoman of Supervisory Board0.25yrno datano data

3.2yrs

Average Tenure

Experienced Board: BKPK.F's board of directors are considered experienced (3.2 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

Bank Polska Kasa Opieki S.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Bank Polska Kasa Opieki S.A.
  • Ticker: BKPK.F
  • Exchange: OTCPK
  • Founded: 1929
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: zł14.882b
  • Listing Market Cap: zł3.977b
  • Shares outstanding: 262.47m
  • Website: https://www.pekao.com.pl

Number of Employees


Location

  • Bank Polska Kasa Opieki S.A.
  • Grzybowska Street 53/57
  • Warsaw
  • 00-950
  • Poland

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PEOWSE (Warsaw Stock Exchange)YesOrdinary Bearer SharesPLPLNJul 1998
0DP0LSE (London Stock Exchange)YesOrdinary Bearer SharesGBPLNJul 1998
BKPK.FOTCPK (Pink Sheets LLC)YesOrdinary Bearer SharesUSUSDJul 1998
PEOWBATS-CHIXE (BATS 'Chi-X Europe')YesOrdinary Bearer SharesGBPLNJul 1998
BPKDLSE (London Stock Exchange)SPON GDR REG SGBUSDNov 2000

Biography

Bank Polska Kasa Opieki S.A., a commercial bank, provides a range of banking products and services to retail and corporate clients in Poland and internationally. It operates through Retail Banking, SME Ban ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/12 00:23
End of Day Share Price2020/06/10 00:00
Earnings2020/06/30
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.