Banque Cantonale Vaudoise (BQCNF) Stock Price & Analysis
BQCNF Stock Chart & Stats
- Day’s Range
- $157.30 - $164.85
- 52-Week Range
- $109.06 - $180.46
- Previous Close
- $160.98
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- $13.91B
- Enterprise Value
- $18.51B
- Total Cash (Recent Filing)
- $8.50B
- Total Debt (Recent Filing)
- $16.85B
- Price to Earnings (P/E)
- 25.9
- Beta
- -0.18
- Next Earnings
- Feb 25, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- May 06, 2026
- Dividend Yield
- 3.30%
Bulls Say, Bears Say
Bulls Say
Revenue Growth And Profitability
The 24.4% 2025 revenue acceleration, combined with a roughly 31% net margin, shows BCV is converting a larger income base into substantial earnings. This profitability provides internal capacity to support lending, technology and client franchises, although the decline from the 2023 net-income peak warrants monitoring.
Deposit And Funding Momentum
Strong deposit inflows reinforce BCV’s customer-funded banking model and provide a stable base for mortgages and other lending. A growing deposit franchise can support net interest income, reduce reliance on market funding, and deepen relationships across retail, business and wealth-management clients.
Liquidity And Credit Resilience
Comfortable liquidity metrics and high repayment of COVID bridge loans indicate resilience in both funding and credit quality. This strengthens BCV’s ability to maintain lending through changing conditions, absorb moderate stress and continue serving Swiss households and businesses without immediate balance-sheet strain.
Bears Say
Low-Rate Retail Margin Pressure
Persistent low interest rates can compress the spread earned on retail deposits and mortgages, weakening a core banking earnings stream. Even with stable volumes, reduced margin contribution may constrain profitability and make BCV more dependent on corporate, wealth-management and fee-based income.
Intensifying UBS Competition
An aggressive UBS following its merger raises the competitive intensity in mortgages, a major BCV business. With market share already above 30%, defending its franchise may require pricing discipline or additional investment, limiting volume growth and putting pressure on future lending margins.
Volatile Cash Generation
The sharp swing in operating and free cash flow makes internally generated cash less predictable than reported earnings. Lower cash conversion can complicate capital allocation and investment planning, while weakening the cushion available to absorb credit, funding or market-related pressures.
Banque Cantonale Vaudoise News
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Company Description
Banque Cantonale Vaudoise
Banque Cantonale Vaudoise (BCV), founded in 1845 and headquartered in Lausanne, Switzerland, delivers an extensive array of financial services. Its operations extend across Vaud Canton, the rest of Switzerland, the European Union, North America, and other international markets. The institution provides essential banking products such as checking, savings, and retirement accounts, alongside credit and payment cards. Its lending solutions cover mortgages, personal, home, business, and construction loans, complemented by specialized financing for production equipment, working capital, and international trade. BCV also offers sophisticated financial services, including investments and financial planning, with an online platform facilitating trading activities. It provides cash management solutions and tools to hedge against exchange rate and interest rate fluctuations. Asset management services are a key offering, as are investment and hedging products like currencies, equities, bonds, derivatives, and structured instruments. The bank conducts market transactions in equities, fixed-income instruments, foreign exchange, and precious metals on behalf of its clientele. Further expanding its offerings, BCV provides life and disability insurance, comprehensive online banking, and wealth management services for high-net-worth individuals, encompassing tax, estate, and financial planning, as well as retirement, life insurance, and disability coverages. Serving retail and business customers, as well as public sector institutions, BCV maintains a robust physical presence with approximately 63 branches and 220 ATMs.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Pascal Kiener
- Employees
- 2,085
- Website
- www.bcv.ch
- Address
- Place Saint-François 14, Lausanne, VD, 1001, CH
Banque Cantonale Vaudoise (BQCNF) Earnings & Revenues
BQCNF Company Deck
BQCNF Earnings Call
Earnings Call SentimentPositive
The call communicated solid underlying performance: net profit growth, disciplined cost control, deposit inflows, rising AUM (CHF 142bn) and confirmed ratings. These positives outweigh the challenges highlighted—low-rate pressure on retail margins, RWA-driven slight CET1 dilution, geopolitical caution in trade finance and stronger competition from UBS. Management signaled most IT integration is complete, liquidity and capital metrics remain comfortable, and credit quality (including COVID bridge loan repayments) looks resilient. Overall, the picture is one of stable, constructive execution with manageable headwinds.
View all BQCNF earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 4 | 2 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 12 | 0 | 0 |




