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Berner Kantonalbank AG
(BEKN)
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Rating:63Neutral
Price Target:
CHF469.00
â–²(27.45% 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
Profitability
BEKB's consistently solid net margins and steady-to-increasing net income indicate an established earnings base. This supports recurring profitability and internal capital generation, helping the bank sustain client services and absorb normal business fluctuations over the next several quarters.
Negative Factors
Leverage
Debt-to-equity of roughly 2.7x-3.3x and a higher total-debt trend leave BEKB structurally leveraged. Although the balance sheet is described as stable, leverage can constrain financial flexibility and make future growth or shock absorption more dependent on balance-sheet capacity.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability
BEKB's consistently solid net margins and steady-to-increasing net income indicate an established earnings base. This supports recurring profitability and internal capital generation, helping the bank sustain client services and absorb normal business fluctuations over the next several quarters.
Read all positive factors
Berner Kantonalbank AG (BEKN) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF4.07B
Dividend Yield2.45%
Average Volume (3M)4.62K
Price to Earnings (P/E)22.4
Beta (1Y)0.14
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. Volume4,540
30 Day Avg. Volume4,624
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...
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 | 261.41M | 0.00 | 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
410.87
Positive
393.68
Positive
379.83
Positive
Market Momentum
7.16
Negative
68.81
Neutral
84.91
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 424.25, below the 50-day MA of 410.87, and below the 200-day MA of 379.83, indicating a bullish trend. The MACD of 7.16 indicates Negative momentum. The RSI at 68.81 is Neutral, neither overbought nor oversold. The STOCH value of 84.91 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 |
|---|---|---|---|---|---|---|---|
65 Neutral | CHF3.25B | 24.71 | 8.12% | 2.04% | -10.05% | -1.35% | |
63 Neutral | CHF4.07B | 22.41 | 5.89% | 2.45% | -3.86% | -0.07% | |
63 Neutral | CHF11.40B | 25.92 | 11.28% | 3.32% | -7.86% | 1.46% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
53 Neutral | CHF2.29B | 14.56 | 5.69% | 4.14% | -10.84% | 3.22% |
* General Sector Average
CH:BEKN
Berner Kantonalbank AG
440.00
185.45
72.85%
CH:BCVN
Banque Cantonale Vaudoise
132.70
42.79
47.59%
CH:VATN
Valiant Holding
145.00
17.63
13.84%
CH:ZUGER
Zuger Kantonalbank AG
11,300.00
2,703.58
31.45%
CH:BSKP
Basler Kantonalbank Partizipsch
105.40
27.61
35.49%
CH:BLKB
Basellandschaftliche Kantonalbank
1,195.00
294.67
32.73%
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.