ScoreComparison
Why is Berner Kantonalbank AG ?
1
Poor Management Efficiency with a low ROA of 0.30%
- The bank has been able to generate a Return on Assets (avg) of 0.30% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- 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
3
Negative results in Jun 25
- NET SALES(Q) Lowest at CHF 256.48 MM
- PRE-TAX PROFIT(Q) Lowest at CHF 97.92 MM
4
With ROA of 0.42%, it has a Expensive valuation with a 1.01 Price to Book Value
- Over the past year, while the stock has generated a return of 29.40%, its profits have risen by 3% ; the PEG ratio of the company is 4.1
5
Market Beating performance in long term as well as near term
- Along with generating 29.40% returns in the last 1 year, the stock has outperformed Switzerland SMI in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Berner Kantonalbank AG 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 Berner Kantonalbank AG for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Berner Kantonalbank AG
30.04%
5.87
10.55%
Switzerland SMI
11.58%
0.72
15.86%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.10%
EBIT Growth (5y)
8.43%
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
53.26%
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
1.01
EV to EBIT
30.44
EV to EBITDA
25.88
EV to Capital Employed
1.00
EV to Sales
9.84
PEG Ratio
4.05
Dividend Yield
4.01%
ROCE (Latest)
3.30%
ROE (Latest)
7.53%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
EPS(Q)
Highest at CHF 8.25
-2What is not working for the Company
NET SALES(Q)
Lowest at CHF 256.48 MM
PRE-TAX PROFIT(Q)
Lowest at CHF 97.92 MM
Here's what is working for Berner Kantonalbank AG
EPS
Highest at CHF 8.25
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CHF)
Depreciation
At CHF 20.71 MM has Grown at 19.24%
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 Berner Kantonalbank AG
Net Sales
Lowest at CHF 256.48 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CHF MM)
Pre-Tax Profit
Lowest at CHF 97.92 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (CHF MM)
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