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Berner Kantonalbank AG
(BEKN)
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Rating:63Neutral
Price Target:
CHF404.00
â–²(9.78% Upside)
Action:Reiterated
Date:08/06/26
The score is primarily driven by solid financial performance (improving revenue and resilient profitability) but held back by leverage and cash-flow volatility/inconsistencies. Technicals are mixed with neutral momentum, and valuation is only moderately supported by the dividend given the ~20x P/E.
Positive Factors
Diversified universal-banking model
A universal banking model combining mortgage-driven net interest income and recurring fee/wealth services creates durable revenue diversification. Retail, SME and public-sector client focus supports sticky deposits and predictable lending volumes, underpinning steady core earnings over time.
Negative Factors
Elevated leverage on the balance sheet
High and rising debt-to-equity increases sensitivity to funding stress and regulatory capital shifts. Elevated leverage limits strategic flexibility, raises the probability of tighter capital or provisioning requirements during downturns, and amplifies downside risk to equity holders over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified universal-banking model
A universal banking model combining mortgage-driven net interest income and recurring fee/wealth services creates durable revenue diversification. Retail, SME and public-sector client focus supports sticky deposits and predictable lending volumes, underpinning steady core earnings over time.
Read all positive factors
Berner Kantonalbank AG (BEKN) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF3.70B
Dividend Yield2.66%
Average Volume (3M)3.71K
Price to Earnings (P/E)20.4
Beta (1Y)0.10
Revenue Growth-3.86%
EPS Growth-0.07%
CountryCH
Employees1,058
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)18.95
Shares Outstanding9,320,000
10 Day Avg. Volume4,195
30 Day Avg. Volume3,712
Financial Highlights & Ratios
PEG Ratio-5.00
Price to Book (P/B)0.93
Price to Sales (P/S)4.20
P/FCF Ratio7.15
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)N/A
Berner Kantonalbank AG Business Overview & Revenue Model
Company Description
Berner Kantonalbank AG, a prominent cantonal bank operating in Switzerland, delivers a comprehensive array of banking and financial solutions to both private individuals and corporate entities across the country. Its extensive product suite includ...
How the Company Makes Money
BEKB generates income primarily through a universal banking model that combines interest-based lending activities with fee-based services.
1) Net interest income (core earnings driver): The bank takes deposits and other funding (customer savings/...
Berner Kantonalbank AG Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
62
Positive
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 681.43M | 748.40M | 532.28M | 531.30M | 497.22M |
| Gross Profit | 566.76M | 561.96M | 735.03M | 471.53M | 463.51M |
| EBITDA | 261.81M | 263.06M | 266.53M | 253.79M | 236.89M |
| Net Income | 175.35M | 180.67M | 174.88M | 159.62M | 154.94M |
Balance Sheet | |||||
| Total Assets | 42.98B | 40.50B | 40.05B | 39.76B | 38.99B |
| Cash, Cash Equivalents and Short-Term Investments | 7.68B | 6.73B | 7.80B | 8.60B | 8.81B |
| Total Debt | 11.37B | 9.99B | 7.85B | 7.74B | 7.22B |
| Total Liabilities | 39.89B | 37.50B | 37.17B | 36.99B | 36.29B |
| Stockholders Equity | 3.08B | 3.00B | 2.89B | 2.77B | 2.71B |
Cash Flow | |||||
| Free Cash Flow | 400.72M | 389.19M | 1.70B | 1.12B | -637.67M |
| Operating Cash Flow | 437.89M | 420.57M | 1.76B | 1.18B | -596.39M |
| Investing Cash Flow | -1.83B | -79.71M | -98.66M | -1.75B | -1.24B |
| Financing Cash Flow | 2.32B | 268.45M | 47.06M | 738.04M | 2.57B |
Berner Kantonalbank AG Technical Analysis
Positive
368.00
Price Trends
383.69
Positive
379.38
Positive
354.49
Positive
Market Momentum
6.19
Negative
66.01
Neutral
90.12
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:BEKN, the sentiment is Positive. The current price of 368 is below the 20-day moving average (MA) of 387.25, below the 50-day MA of 383.69, and above the 200-day MA of 354.49, indicating a bullish trend. The MACD of 6.19 indicates Negative momentum. The RSI at 66.01 is Neutral, neither overbought nor oversold. The STOCH value of 90.12 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CH:BEKN.
Berner Kantonalbank AG Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | CHF11.43B | 25.98 | 11.28% | 3.27% | -7.86% | 1.46% | |
65 Neutral | CHF3.08B | 23.39 | 8.12% | 2.16% | -10.05% | -1.35% | |
63 Neutral | CHF3.70B | 20.40 | 5.89% | 2.66% | -3.86% | -0.07% | |
61 Neutral | CHF2.42B | 15.40 | 5.69% | 3.93% | -10.84% | 3.22% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
CH:BEKN
Berner Kantonalbank AG
406.00
157.28
63.23%
CH:BCVN
Banque Cantonale Vaudoise
134.40
44.49
49.48%
CH:VATN
Valiant Holding
152.60
29.08
23.54%
CH:ZUGER
Zuger Kantonalbank AG
10,650.00
2,053.58
23.89%
CH:BSKP
Basler Kantonalbank Partizipsch
99.20
21.99
28.48%
CH:BLKB
Basellandschaftliche Kantonalbank
1,085.00
202.02
22.88%
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.