EBKO.F Stock Overview

Provides a range of banking and other financial services to retail, corporate, and public sector customers. More details

EBKO.F fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	1/6
Past Performance	2/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 44.1% below our estimate of its fair value

Earnings are forecast to grow 2.79% per year

Trading at good value compared to peers and industry

Risk Analysis

No risks detected for EBKO.F from our risk checks.

Community vs My Fair Value

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Erste Group Bank AG Competitors

Fifth Third Bancorp

NasdaqGS:FITB

US$24.4b

Credicorp

NYSE:BAP

US$16.0b

First Citizens BancShares

NasdaqGS:FCNC.A

US$23.6b

U.S. Bancorp

NYSE:USB

US$63.8b

Price History & Performance

Summary of share price highs, lows and changes for Erste Group Bank
Historical stock prices
Current Share Price	€79.22
52 Week High	€79.22
52 Week Low	€44.60
Beta	1.14
1 Month Change	32.52%
3 Month Change	30.10%
1 Year Change	64.70%
3 Year Change	179.24%
5 Year Change	298.09%
Change since IPO	-12.22%

Recent updates

Shareholder Returns

	EBKO.F	US Banks	US Market
7D	14.7%	2.2%	1.2%
1Y	64.7%	14.7%	7.7%

Return vs Industry: EBKO.F exceeded the US Banks industry which returned 15.8% over the past year.

Return vs Market: EBKO.F exceeded the US Market which returned 7.2% over the past year.

Price Volatility

Is EBKO.F's price volatile compared to industry and market?
EBKO.F volatility
EBKO.F Average Weekly Movement	9.7%
Banks Industry Average Movement	4.7%
Market Average Movement	7.9%
10% most volatile stocks in US Market	16.3%
10% least volatile stocks in US Market	4.1%

Stable Share Price: EBKO.F has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: EBKO.F's weekly volatility (10%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1819	45,856	Peter Bosek	www.erstegroup.com

Erste Group Bank AG provides a range of banking and other financial services to retail, corporate, and public sector customers. The company operates through Retail, Corporates, Group Markets, Asset/Liability Management & Local Corporate Center, Savings Banks, and Group Corporate Center segments. It provides mortgage and consumer loans, investment products, current accounts, savings products, and credit cards, as well as cross selling products, such as leasing, insurance, and building society products.

Erste Group Bank AG Fundamentals Summary

How do Erste Group Bank's earnings and revenue compare to its market cap?
EBKO.F fundamental statistics
Market cap	US$29.88b
Earnings (TTM)	US$3.34b
Revenue (TTM)	US$12.23b

8.9x

P/E Ratio

1.1x

P/B Ratio

Is EBKO.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
EBKO.F income statement (TTM)
Revenue	€10.81b
Cost of Revenue	€0
Gross Profit	€10.81b
Other Expenses	€7.86b
Earnings	€2.95b

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

Aug 01, 2025

Earnings per share (EPS)	7.61
Gross Margin	100.00%
Net Profit Margin	27.30%
Debt/Equity Ratio	204.0%

How did EBKO.F perform over the long term?

See historical performance and comparison

Dividends

4.4%

Current Dividend Yield

42%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/07 11:25
End of Day Share Price	2025/05/07 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Erste Group Bank AG is covered by 40 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Krishnendra Dubey	Barclays
Ivan Bokhmat	Barclays
Eoin Mullany	Berenberg