Berner Kantonalbank AG (BEKN) AI Stock Analysis

Berner Kantonalbank AG

(Six Swiss:BEKN)

Select Model

Rating:69Neutral

Price Target:CHF 482.00▲(9.55% Upside)

Action:downgraded

Date:08/06/26

The score is driven primarily by strong financial performance, especially revenue growth and steady profitability, with valuation and technicals acting as moderate constraints. The absence of earnings call and corporate event data leaves the score anchored mainly to fundamentals.

Positive Factors

Revenue ImprovementMeaningful revenue improvement, including strong 2025 growth, indicates the bank is expanding its earning base. If sustained across its retail, SME and institutional franchises, this can support recurring income and help absorb operating costs over the next several quarters.

Negative Factors

High and Rising LeverageHigh leverage and a higher debt level reduce financial flexibility and leave less room to absorb credit or earnings pressure. For a bank, this structure is typical, but continued balance-sheet expansion can constrain capital allocation and make shareholder returns more sensitive to adverse conditions.

Berner Kantonalbank AG (BEKN) vs. iShares MSCI Switzerland ETF (EWL)

Market Cap: CHF 4.06B
Dividend Yield: 2.45%
Average Volume (3M): 4,296
Price to Earnings (P/E): 22.4
Beta (1Y): 0.14
Revenue Growth: -3.86%
EPS Growth: -0.07%
Country: Switzerland
Employees: 1,058
Sector: General
Sector Strength: 55
Industry: Banks - Regional

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 includes...

Berner Kantonalbank AG Financial Statement Overview

Summary

Strong revenue growth, stable profitability, and expanding assets support a solid score, while elevated leverage and uneven cash-flow coverage prevent a higher rating.

Income Statement

82Very Positive

Balance Sheet

68Positive

Cash Flow

75Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	594.02M	681.43M	748.40M	532.28M	531.30M	497.22M
Gross Profit	552.69M	566.76M	561.96M	735.03M	471.53M	463.51M
EBITDA	261.77M	261.41M	0	266.53M	253.79M	236.89M
Net Income	175.35M	175.35M	180.67M	174.88M	159.62M	154.94M
Balance Sheet
Total Assets	42.98B	42.98B	40.50B	40.05B	39.76B	38.99B
Cash, Cash Equivalents and Short-Term Investments	7.68B	7.68B	6.73B	7.80B	8.60B	8.81B
Total Debt	11.37B	11.37B	9.99B	7.85B	7.74B	7.22B
Total Liabilities	39.89B	39.89B	37.50B	37.17B	36.99B	36.29B
Stockholders Equity	3.08B	3.08B	3.00B	2.89B	2.77B	2.71B
Cash Flow
Free Cash Flow	400.72M	400.72M	389.19M	1.70B	1.12B	-637.67M
Operating Cash Flow	437.89M	437.89M	420.57M	1.76B	1.18B	-596.39M
Investing Cash Flow	-1.83B	-1.83B	-79.71M	-98.66M	-1.75B	-1.24B
Financing Cash Flow	2.32B	2.32B	268.45M	47.06M	738.04M	2.57B

Berner Kantonalbank AG Technical Analysis

Technical Analysis SentimentPositive

Last Price440.00

Price Trends

50DMA410.87Positive

100DMA393.68Positive

200DMA379.83Positive

Market Momentum

MACD7.16Negative

RSI68.81Neutral

STOCH84.91Negative

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 440.00 is above the 20-day moving average (MA) of 424.25, above the 50-day MA of 410.87, and above 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

CH:BEKN against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CH:BEKN	69Neutral	CHF 4.07B	22.41	5.89%	2.45%	-3.86%	-0.07%
CH:BCVN	68Neutral	CHF 11.40B	25.92	11.28%	3.32%	-7.86%	1.46%
CH:ZUGER	57Neutral	CHF 3.25B	24.70	8.12%	2.04%	-10.05%	-1.35%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
CH:VATN	53Neutral	CHF 2.29B	14.56	5.69%	4.14%	-10.84%	3.22%

* General Sector Average

Performance Comparison

CH:BEKN and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CH:BEKN	Berner Kantonalbank AG	440.00	185.45	72.85%
CH:BCVN	Banque Cantonale Vaudoise	132.70	42.16	46.57%
CH:VATN	Valiant Holding Ag	145.00	17.24	13.49%
CH:ZUGER	Zuger Kantonalbank AG	11300.00	2684.00	31.15%
CH:BSKP	Basler Kantonalbank Partizipsch	105.40	27.80	35.83%
CH:BLKB	Basellandschaftliche Kantonalbank	1195.00	290.82	32.16%

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.

Date of analysis: Aug 06, 2026

Berner Kantonalbank AG AI Stock Analysis