ScoreWhy is Bank Ochrony Srodowiska SA ?
1
- NET PROFIT(HY) Higher at PLN 112.55 MM
- ROCE(HY) Highest at 0.55%
- CASH AND EQV(HY) Highest at PLN 10,585.33 MM
2
With ROA of 0.25%, it has a attractive valuation with a 0.44 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -22.16%, its profits have risen by 2% ; the PEG ratio of the company is 7.9
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Bank Ochrony Srodowiska SA should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank Ochrony Srodowiska SA for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank Ochrony Srodowiska SA
-22.16%
-0.83
29.56%
Poland WIG
27.62%
1.38
19.95%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.10%
EBIT Growth (5y)
44.25%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.44
EV to EBIT
-8.71
EV to EBITDA
-7.40
EV to Capital Employed
1.75
EV to Sales
-2.08
PEG Ratio
7.93
Dividend Yield
NA
ROCE (Latest)
-20.07%
ROE (Latest)
3.41%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NET PROFIT(HY)
Higher at PLN 112.55 MM
ROCE(HY)
Highest at 0.55%
CASH AND EQV(HY)
Highest at PLN 10,585.33 MM
-5What is not working for the Company
ROCE(HY)
Lowest at 0.55%
NII(Q)
Lowest at PLN 191.97 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 50.65%
Here's what is working for Bank Ochrony Srodowiska SA
Net Profit
At PLN 112.55 MM has Grown at 279.91%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (PLN MM)
Net Profit
Higher at PLN 112.55 MM
than preceding 12 month period ended Sep 2025MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (PLN MM)
Cash and Eqv
Highest at PLN 10,585.33 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Bank Ochrony Srodowiska SA
NII
Lowest at PLN 191.97 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PLN MM)
Credit Deposit Ratio
Lowest at 50.65%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 14.45%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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