ScoreWhy is Banque Cantonale de Genève ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 17.80%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- A high ratio signifies bank has weaker due diligence systems when giving out loans
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
Negative results in Jun 25
- NII(Q) Lowest at CHF 175.3 MM
- NET SALES(Q) Lowest at CHF 260.4 MM
- OPERATING PROFIT(Q) Lowest at CHF 97.53 MM
4
With ROA of 0.63%, it has a Attractive valuation with a 0.76 Price to Book Value
- Over the past year, while the stock has generated a return of -87.43%, its profits have fallen by -5%
5
Underperformed the market in the last 1 year
- Even though the market (Switzerland SMI) generated negative returns of -1.34% in the last 1 year, its fall in the stock was much higher with a return of -87.43%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Banque Cantonale de Genève should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Banque Cantonale de Genève for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Banque Cantonale de Genève
-100.0%
-0.89
92.81%
Switzerland SMI
1.42%
-0.08
16.69%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.10%
EBIT Growth (5y)
16.53%
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
21.12%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.76
EV to EBIT
21.90
EV to EBITDA
19.82
EV to Capital Employed
0.90
EV to Sales
7.85
PEG Ratio
NA
Dividend Yield
0.26%
ROCE (Latest)
4.10%
ROE (Latest)
9.16%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
Bullish
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 112.98%
-7What is not working for the Company
NII(Q)
Lowest at CHF 175.3 MM
NET SALES(Q)
Lowest at CHF 260.4 MM
OPERATING PROFIT(Q)
Lowest at CHF 97.53 MM
PRE-TAX PROFIT(Q)
Lowest at CHF 110.08 MM
NET PROFIT(Q)
Lowest at CHF 94 MM
EPS(Q)
Lowest at CHF 1.32
Here's what is working for Banque Cantonale de Genève
Credit Deposit Ratio
Highest at 112.98%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at CHF 13.22 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (CHF MM)
Depreciation
At CHF 13.22 MM has Grown at 9.36%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (CHF MM)
Here's what is not working for Banque Cantonale de Genève
NII
Lowest at CHF 175.3 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (CHF MM)
Net Sales
Lowest at CHF 260.4 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CHF MM)
Operating Profit
Lowest at CHF 97.53 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (CHF MM)
Pre-Tax Profit
Lowest at CHF 110.08 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (CHF MM)
Net Profit
Lowest at CHF 94 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (CHF MM)
EPS
Lowest at CHF 1.32
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (CHF)
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