Berner Kantonalbank AG (BEKN) AI Stock Analysis

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Berner Kantonalbank AG

(Six Swiss:BEKN)

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Rating:75Outperform

Price Target:CHF 504.00▲(7.81% Upside)

Action:upgraded

Date:11/07/26

The score is supported primarily by solid financial performance and strong technical momentum. The score is moderated by elevated leverage, inconsistent cash-flow coverage, an approaching overbought technical position, and a relatively full P/E valuation.

Positive Factors

Broad Domestic Banking ModelBEKB's broad universal-bank model serves several customer groups and financial needs within its home region. This diversified service mix can support recurring client relationships, cross-selling and revenue resilience over the next several quarters, while its domestic Swiss-franc focus reinforces market familiarity.

Negative Factors

High Balance-Sheet LeverageBEKB's elevated leverage and higher total debt reduce financial flexibility and leave less room to absorb deterioration in its operating environment. Although the structure is described as typical for a bank, leverage remains a persistent constraint on balance-sheet resilience and shareholder returns.

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

Market Cap: CHF 4.34B
Dividend Yield: 2.31%
Average Volume (3M): 4,600
Price to Earnings (P/E): 23.8
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, sustained profitability, expanding assets, and stable 5-6% ROE support the score. High bank-sector leverage and inconsistent recent cash-flow coverage are the main weaknesses.

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 Price467.50

Price Trends

50DMA422.06Positive

100DMA402.60Positive

200DMA386.46Positive

Market Momentum

MACD11.39Negative

RSI75.09Negative

STOCH88.65Negative

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 467.50 is above the 20-day moving average (MA) of 439.82, above the 50-day MA of 422.06, and above the 200-day MA of 386.46, indicating a bullish trend. The MACD of 11.39 indicates Negative momentum. The RSI at 75.09 is Negative, neither overbought nor oversold. The STOCH value of 88.65 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:ZUGER	79Outperform	CHF 3.27B	24.81	8.12%	2.03%	-10.05%	-1.35%
CH:BEKN	75Outperform	CHF 4.32B	23.82	5.89%	2.31%	-3.86%	-0.07%
CH:BCVN	60Neutral	CHF 12.01B	27.30	11.28%	3.15%	-7.86%	1.46%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
CH:VATN	53Neutral	CHF 2.47B	15.38	5.77%	3.83%	-6.24%	4.69%

* 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	467.50	204.69	77.88%
CH:BCVN	Banque Cantonale Vaudoise	139.80	47.48	51.43%
CH:VATN	Valiant Holding Ag	156.60	24.02	18.12%
CH:ZUGER	Zuger Kantonalbank AG	11350.00	2792.75	32.64%
CH:BSKP	Basler Kantonalbank Partizipsch	108.80	31.01	39.86%
CH:BLKB	Basellandschaftliche Kantonalbank	1315.00	410.82	45.44%

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: Nov 07, 2026

Berner Kantonalbank AG AI Stock Analysis