Bank of Queensland stock analysis
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Bank of Queensland (BOQ) Share Price & Analysis
BOQ Stock Chart & Stats
- Day’s Range
- AUD 7.02 - AUD 7.10
- 52-Week Range
- AUD 5.91 - AUD 7.48
- Previous Close
- AUD 7.12
- Volume
- N/A
- Average Volume (3M)
- 2.62M
- Market Cap
- AUD 4.68B
- Enterprise Value
- AUD 17.63B
- Total Cash (Recent Filing)
- AUD 1.92B
- Total Debt (Recent Filing)
- AUD 15.27B
- Price to Earnings (P/E)
- 18.6
- Beta
- 0.95
- Next Earnings
- Apr 21, 2027 (Est.)
- EPS Estimate
- 0.26
- Last Dividend Ex-Date
- Oct 27, 2026
- Dividend Yield
- 7.77%
Bulls Say, Bears Say
Bulls Say
Commercial Lending Growth
Strong commercial lending growth expands BOQ’s earning-asset base and diversifies its loan mix beyond housing. The addition of business bankers and specialist hubs supports distribution capacity, while management’s FY2027 target indicates this growth initiative is intended to continue.
Capital-light Partnership Income
The capital partnership creates recurring origination and servicing income while reducing the funding required to support those assets. Its capital-light structure can improve scalability and preserve balance-sheet capacity, providing a durable complement to traditional net interest income.
Technology Simplification And Productivity
Technology consolidation and cloud migration should reduce complexity and improve operating leverage over time. The delivered simplification benefits, lower technology asset base, and further expected cost reductions provide a foundation for more efficient service delivery and reinvestment.
Bears Say
Recent Revenue And Margin Weakness
Two consecutive years of revenue decline and prior margin compression indicate that the earnings recovery is not yet supported by consistent top-line expansion. This can limit operating leverage and makes sustainable profit growth more dependent on costs, mix, and balance-sheet execution.
Returns Below Cost Of Capital
Returns below the cost of capital imply that current business activity is not yet generating adequate economic value from the bank’s capital base. Restoring returns depends on funding optimization, operational leverage, and higher-margin allocation, leaving execution risk over the medium term.
Credit And Provisioning Pressure
Rising arrears and meaningful downside-scenario provisioning requirements show that credit costs remain exposed to household, business, and economic conditions. Higher impairments would directly reduce earnings and could offset benefits from lending growth, margin recovery, or productivity gains.
Bank of Queensland News
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Bank of Queensland Stock Smart Score
Company Description
Bank of Queensland
Operating across Australia, Bank of Queensland Limited (BOQ) and its affiliated entities offer a diverse array of financial solutions. The company structures its operations into three primary divisions: Retail Banking, BOQ Business, and an 'Other' segment. For individual customers, BOQ provides a comprehensive suite of personal banking options. These include various savings and fixed-term deposit accounts, everyday transaction accounts, and both debit and credit cards. Lending products encompass home mortgages, personal loans, and vehicle financing. Furthermore, the bank offers diverse insurance policies, such as travel, home and contents, landlord, and car coverage, alongside investment services like online share trading and support for self-managed superannuation funds. In the sphere of business banking, BOQ delivers solutions spanning transaction, savings, and investment accounts. It also offers a range of lending and financing options, including general business loans, equipment and vehicle financing, and dealer finance facilities. Merchant and payment processing tools, along with financial market and international services, are also available. Modern digital banking solutions, encompassing both internet and mobile platforms, are provided to all customers. As of August 31, 2022, BOQ's physical presence included 36 corporate branches, 111 owner-managed branches, and 7 dedicated transaction centers. Established in 1874, Bank of Queensland Limited maintains its headquarters in Newstead, Australia.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Rod Finch
- Employees
- 3,249
- Website
- www.boq.com.au
- Address
- 100 Skyring Terrace, Newstead, QLD, 4006, AU
Bank of Queensland (BOQ) Earnings & Revenues
BOQ Company Deck
BOQ Earnings Call
Earnings Call SentimentPositive
The call was broadly constructive. BOQ highlighted substantial progress in digital migration, technology simplification, business lending, capital management, liquidity, risk remediation, and productivity, alongside improving second-half earnings trends and a planned return to growth. However, full-year cash earnings declined, returns remain below the cost of capital, impairment expense increased, and management continues to face elevated competition, economic uncertainty, funding-cost pressure, and household and business stress. Overall, the positive operational and strategic progress significantly outweighed the disclosed challenges.
View all AU:BOQ earnings summariesBOQ Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 3 | 3 |
| Technical Analysis | 4 | 3 | 3 |
| Moving Averages | 12 | 0 | 0 |
