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BNK Banking Corporation Limited
(Sydney:BBC)
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Rating:46Neutral
Price Target:
AU$0.25
▲(2.08% Upside)
Action:Reiterated
Date:08/28/26
The score is held down primarily by weak financial performance, driven by FY2026 losses and highly inconsistent cash generation, despite improved leverage. Technical indicators also reflect soft momentum (RSI ~40; Stochastic ~11) with only a modestly positive MACD. Valuation is neutral-to-slightly negative given a ~21.6 P/E without a dividend yield to offset business volatility.
Positive Factors
FY2026 Revenue Rebound
Revenue rebounded 36.3% in FY2026 after the FY2025 decline, showing the franchise can recover top-line activity. If sustained, this provides a base for operating leverage and balance-sheet utilization, although profitability still needs to follow.
Negative Factors
Loss-Making and Volatile Profitability
FY2026 ended with an approximately A$3.7m net loss and negative operating profitability after FY2025's modest profit. Repeated swings between profit and loss make earnings quality difficult to forecast and weaken the durability of returns.
Read all positive and negative factors
Positive Factors
Negative Factors
FY2026 Revenue Rebound
Revenue rebounded 36.3% in FY2026 after the FY2025 decline, showing the franchise can recover top-line activity. If sustained, this provides a base for operating leverage and balance-sheet utilization, although profitability still needs to follow.
Read all positive factors
BNK Banking Corporation Limited (BBC) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$29.70M
Dividend YieldN/A
Average Volume (3M)82.01K
Price to Earnings (P/E)21.6
Beta (1Y)0.76
Revenue Growth-17.44%
EPS Growth-388.89%
CountryAU
Employees104
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.03
Shares Outstanding118,780,030
10 Day Avg. Volume40,501
30 Day Avg. Volume82,014
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)0.24
Price to Sales (P/S)0.42
P/FCF Ratio31.12
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)AU$74.50M
BNK Banking Corporation Limited Business Overview & Revenue Model
Company Description
BNK Banking Corporation Ltd. is an Australian financial institution providing a diverse array of retail banking and financial solutions across the country. Its operations are structured into two primary segments: Banking and Aggregation. The compa...
How the Company Makes Money
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BNK Banking Corporation Limited Financial Statement Overview
Summary
Income Statement
42
Neutral
Balance Sheet
55
Neutral
Cash Flow
38
Negative
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 68.25M | 26.19M | 92.86M | 66.31M | 21.41M |
| Gross Profit | 24.35M | 26.19M | 15.94M | 14.45M | 4.68M |
| EBITDA | -3.29M | 2.33M | -7.72M | -4.84M | -15.63M |
| Net Income | -3.71M | 1.28M | -6.70M | -3.94M | 59.79M |
Balance Sheet | |||||
| Total Assets | 1.28B | 1.23B | 1.72B | 1.68B | 1.44B |
| Cash, Cash Equivalents and Short-Term Investments | 112.78M | 107.33M | 325.44M | 294.77M | 407.14M |
| Total Debt | 97.15M | 90.45M | 321.44M | 285.58M | 246.38M |
| Total Liabilities | 1.17B | 1.11B | 1.60B | 1.55B | 1.24B |
| Stockholders Equity | 118.33M | 122.04M | 121.12M | 128.18M | 190.38M |
Cash Flow | |||||
| Free Cash Flow | 916.00K | 443.99M | -2.34M | -16.22M | -460.31M |
| Operating Cash Flow | 980.00K | 444.25M | -2.32M | -16.22M | -460.31M |
| Investing Cash Flow | -399.00K | -267.00K | -7.57M | 64.92M | 371.35M |
| Financing Cash Flow | 4.87M | -494.01M | 35.66M | -19.82M | 181.70M |
BNK Banking Corporation Limited Technical Analysis
Negative
0.24
Price Trends
0.25
Negative
0.24
Positive
0.26
Negative
Market Momentum
<0.01
Positive
40.46
Neutral
<0.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:BBC, the sentiment is Negative. The current price of 0.24 is below the 20-day moving average (MA) of 0.26, below the 50-day MA of 0.25, and below the 200-day MA of 0.26, indicating a bearish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 40.46 is Neutral, neither overbought nor oversold. The STOCH value of <0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:BBC.
BNK Banking Corporation Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | AU$862.57M | 8.02 | 12.29% | 15.82% | -0.65% | 8.02% | |
58 Neutral | AU$1.16B | 10.25 | 6.35% | ― | 11.70% | 28.17% | |
56 Neutral | AU$1.05B | 7.45 | 12.13% | 15.15% | -3.49% | 7.16% | |
55 Neutral | AU$6.10B | 15.94 | 5.63% | 5.70% | -5.79% | ― | |
46 Neutral | AU$29.70M | 21.55 | -3.08% | ― | -17.44% | -388.89% | |
45 Neutral | AU$4.21B | 42.05 | 1.66% | 6.28% | -4.72% | -67.75% |
* Financial Sector Average
AU:BBC
BNK Banking Corporation Limited
0.27
-0.02
-6.90%
AU:BOQ
Bank of Queensland
6.43
-0.26
-3.94%
AU:BEN
Bendigo & Adelaide Bank
10.58
-2.08
-16.46%
AU:PPM
Pepper Money Ltd
1.90
-0.12
-5.71%
AU:JDO
Judo Capital Holdings Limited
1.02
-0.69
-40.29%
AU:LFG
Liberty Financial Group Ltd
3.69
-0.14
-3.76%
BNK Banking Corporation Limited Corporate Events
BNK Banking Corporation Plans FY26 Results and Strategy Briefing
Aug 26, 2026
BNK Banking Corporation Limited, branded as “The Bank for Enterprising Australians,” operates in the Australian banking sector, offering financial services geared toward business and entrepreneurial clients. Its focus on enterprising A...
BNK Bank Takes Goodwill Hit But Grows Margins and Loan Book in FY26
Aug 26, 2026
BNK Banking Corporation Limited reported a statutory net loss of $3.7 million for FY26, largely due to a $3.5 million goodwill impairment, but delivered an underlying profit of $1 million as net interest income rose 10% and net interest margin imp...
BNK Banking Corporation Swings to Loss as Revenue Declines and Dividends Remain Suspended
Aug 26, 2026
BNK Banking Corporation Limited reported a significant deterioration in financial performance for the year ended 30 June 2026, with revenue from operations falling 17% to $75.3 million and a loss after tax of $3.7 million, compared with a profit o...
BNK Banking Corp Confirms CEO and CFO in Permanent Roles
Aug 14, 2026
BNK Banking Corporation Limited has made its interim leadership team permanent, appointing Steve Kinsella as Chief Executive Officer and Judith Newman as Chief Financial Officer, with both roles effective immediately subject to final regulatory ap...
BNK Banking to Book $3.5m Non-Cash Goodwill Impairment Ahead of FY2026 Results
Aug 10, 2026
BNK Banking Corporation Limited has announced it will recognise a non-cash goodwill impairment of $3.5 million after tax in its financial results for the year ended 30 June 2026. The impairment follows an annual assessment under AASB 136, which fo...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.