OTCPK:BKPK.F

Stock Analysis Report

Bank Polska Kasa Opieki

Executive Summary

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

Snowflake

Fundamentals

Adequate balance sheet average dividend payer.


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


Market Performance


7 Day Return

0%

OTCPK:BKPK.F

-2.6%

US Banks

-1.0%

US Market


1 Year Return

n/a

OTCPK:BKPK.F

-14.2%

US Banks

-0.4%

US Market

No trading data on BKPK.F.

No trading data on BKPK.F.


Share holder returns

BKPK.FIndustryMarket
7 Day0%-2.6%-1.0%
30 Day0%-5.5%-3.3%
90 Dayn/a-3.5%0.4%
1 Yearn/a-11.8%-14.2%1.8%-0.4%
3 Year-17.5%-17.5%42.2%32.4%39.4%30.4%
5 Yearn/a53.3%36.7%54.2%37.1%

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 based on future cash flows and its price relative to the stock market?

11.8x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Bank Polska Kasa Opieki's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Bank Polska Kasa Opieki's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Bank Polska Kasa Opieki is good value based on earnings compared to the US Banks industry average.

Bank Polska Kasa Opieki is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Bank Polska Kasa Opieki is poor value based on expected growth next year.


Price Based on Value of Assets

Bank Polska Kasa Opieki is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

10.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Bank Polska Kasa Opieki's revenue is expected to grow by 5.7% yearly, however this is not considered high growth (20% yearly).

Bank Polska Kasa Opieki's earnings are expected to grow by 10% yearly, however this is not considered high growth (20% yearly).

Bank Polska Kasa Opieki's revenue growth is positive but not above the United States of America market average.

Bank Polska Kasa Opieki's earnings growth is positive but not above the United States of America market average.

Bank Polska Kasa Opieki's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Bank Polska Kasa Opieki is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

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

-3.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Bank Polska Kasa Opieki's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.

Bank Polska Kasa Opieki's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Bank Polska Kasa Opieki's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

Bank Polska Kasa Opieki has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Bank Polska Kasa Opieki used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Bank Polska Kasa Opieki 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 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

Bank Polska Kasa Opieki has an acceptable proportion of non-loan assets held.

Bank Polska Kasa Opieki has a low allowance for bad loans.

Bank Polska Kasa Opieki's liabilities are made up of primarily low risk sources of funding.

Bank Polska Kasa Opieki's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Bank Polska Kasa Opieki are broadly funded by customer deposits.

Bank Polska Kasa Opieki has a high level of bad loans (greater than 2%).


Next Steps

Dividend

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

6.89%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Bank Polska Kasa Opieki's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.5%).

Bank Polska Kasa Opieki's dividend is above the markets top 25% of dividend payers in United States of America (3.9%).

Bank Polska Kasa Opieki has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).

Dividend payments have increased, but Bank Polska Kasa Opieki only paid a dividend in the past 9 years.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.3x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be covered by earnings (1.7x coverage).


Next Steps

Management

What is the CEO of Bank Polska Kasa Opieki's salary, the management and board of directors tenure and is there insider trading?

2.1yrs

Average management tenure


CEO

Michal Krupinski

2.6yrs

Tenure

zł2,096,000

Compensation

Mr. Michal Krupinski has been a Vice President of Management Board at Bank Pekao S.A. since June 15, 2017. Mr. Krupinski served as the President of Management Board and Chief Executive Officer at Powszechn ...


CEO Compensation Analysis

Michal's remuneration is lower than average for companies of similar size in United States of America.

Insufficient data for Michal to compare compensation growth.


Management Age and Tenure

2.1yrs

Average Tenure

The tenure for the Bank Polska Kasa Opieki management team is about average.


Board Age and Tenure

2.2yrs

Average Tenure

The average tenure for the Bank Polska Kasa Opieki board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Marek Tomczuk

    Vice President of the Management Board

    • Tenure: 2.0yrs
    • Compensation: PLN1.32m
  • Magdalena Zmitrowicz

    Vice President of Management Board

    • Tenure: 0.7yrs
    • Compensation: PLN77.00k
  • Tomasz Styczynski

    Vice President of the Management Board

    • Tenure: 2.1yrs
    • Compensation: PLN1.06m
  • Pawel Stopczynski

    Secretary of the Supervisory Board & Member of the Supervisory Board

  • Tomasz Kubiak

    Vice President of the Management Board of Financial Division

    • Tenure: 2.1yrs
    • Compensation: PLN989.00k
  • Grzegorz Olszewski

    Member of Management Board

    • Tenure: 0.3yrs
  • Piotr Wetmanski

    Member of Management Board

    • Tenure: 0.6yrs
  • Michal Lehmann

    Vice President of the Management Board

    • Tenure: 2.1yrs
    • Compensation: PLN1.01m
  • Marek Lusztyn

    Vice President of the Management Board

    • Tenure: 2.1yrs
    • Compensation: PLN1.36m
  • Michal Krupinski

    President of Management Board

    • Tenure: 2.6yrs
    • Compensation: PLN2.10m

Board Members

  • Stanislaw Kaczoruk

    Member of Supervisory Board

    • Tenure: 2.2yrs
  • Marian Majcher

    Member of the Supervisory Board

    • Tenure: 2.2yrs
  • Joanna Blaszczyk

    Deputy Chairman of the Supervisory Board

  • Justyna Glebikowska-Michalak

    Independent Member of the Supervisory Board

    • Tenure: 2.2yrs
  • Michal Kaszynski

    Member of the Supervisory Board

    • Tenure: 2.2yrs
  • Sabina Bigos-Jaworowska

    Member of the Supervisory Board

    • Tenure: 2.2yrs
  • Grzegorz Janas (45yo)

    Member of the Supervisory Board

    • Tenure: 2.2yrs
  • Pawel Stopczynski

    Secretary of the Supervisory Board & Member of the Supervisory Board

    • Tenure: 2.2yrs
  • Stanislaw Kaczoruk (63yo)

    Deputy Chairman of the Supervisory Board

    • Tenure: 2.2yrs
  • Pawel Surówka

    Chairman of the Supervisory Board

    • Tenure: 2.2yrs

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: zł25.722b
  • Listing Market Cap: zł6.570b
  • Shares outstanding: 262.47m
  • Website: Click here

Number of Employees


Location

  • Bank Polska Kasa Opieki S.A.
  • 53/57 Grzybowska Street
  • 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
BPKDLSE (London Stock Exchange)GDS EACH REPR 1 PLN1 REG SGBUSDNov 2000
BP1ABST (Boerse-Stuttgart)GDS EACH REPR 1 PLN1 REG SDEEURNov 2000

Biography

Bank Polska Kasa Opieki S.A., a commercial bank, provides a range of banking services to individual, retail, corporate, and institutional clients primarily in Poland. It offers personal banking services, i ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 00:04
End of Day Share Price2019/05/23 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.