Erste Group Bank AG (EBOR) Stock Price & Analysis
EBOR Stock Chart & Stats
- Day’s Range
- EUR 55.00 - EUR 55.50
- 52-Week Range
- EUR 43.20 - EUR 64.00
- Previous Close
- EUR 54.00
- Volume
- N/A
- Average Volume (3M)
- 44
- Market Cap
- EUR 43.36B
- Enterprise Value
- EUR 159.70B
- Total Cash (Recent Filing)
- EUR 49.67B
- Total Debt (Recent Filing)
- EUR 59.76B
- Price to Earnings (P/E)
- 10.8
- Beta
- 0.80
- Next Earnings
- Feb 25, 2027 (Est.)
- EPS Estimate
- 1.23
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 0.68%
Bulls Say, Bears Say
Bulls Say
Improving Profitability And Revenue Growth
Improving revenue and profitability indicate stronger earnings power across the banking franchise. A higher-margin operating base can support capital generation, investment in customer channels, and resilience over the next several quarters, although results remain exposed to the rate and credit cycle.
Upgraded 2026 Earnings Outlook
The upgraded outlook signals management sees durable momentum in lending, net interest income, fees, and returns rather than relying on a single temporary income source. Achieving these targets would reinforce scale advantages and provide a stronger base for continued capital generation.
Strong Digital And Fee-based Franchise
Broad digital adoption and record fee income strengthen recurring customer engagement beyond lending spreads. A large digital client base can improve payment, investment, and asset-management distribution while increasing operating leverage and supporting more diversified revenue over time.
Bears Say
Higher Balance-sheet Leverage
The sharp increase in leverage reduces financial flexibility and makes the group more sensitive to weaker operating conditions or higher funding costs. Greater balance-sheet risk can constrain future capital allocation and amplify the effect of credit or earnings volatility.
CET1 Pressure From Higher Risk-weighted Assets
Higher risk-weighted assets consume capital as the loan book expands, even though the reported CET1 ratio remains substantial. Regulatory model changes and further RWA growth could limit distribution flexibility or require additional capital retention while growth continues.
Deposit Competition And Funding Pressure
More intense deposit competition can raise funding costs and pressure net interest margins, particularly as customers reprice balances into term products. If sustained, this would reduce the benefit of loan growth and make earnings targets more dependent on volume and fee expansion.
Erste Group Bank AG News
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Erste Group Bank AG Stock Smart Score
Company Description
Erste Group Bank AG
Erste Group Bank AG, a venerable financial institution established in 1819 and headquartered in Vienna, Austria, delivers a broad spectrum of banking and financial solutions. The company serves a diverse clientele that includes individual consumers, corporate businesses, real estate developers, and public sector entities. Its primary operational footprint spans Austria and Central and Eastern Europe, complemented by additional international activities. The bank's offerings encompass a comprehensive range of retail banking services, such as home and personal loans, various investment opportunities, checking and savings accounts, and credit facilities. Beyond core banking, it also facilitates cross-selling products like leasing, insurance, and building society services. For its corporate and institutional clients, Erste Group provides specialized financial instruments. These include various financing structures for investments, acquisitions, leveraged transactions, project development, and commercial real estate, alongside working capital and bridge loans. The company supports businesses with liquidity management through services like factoring and accounts receivable purchasing, cash management, and a suite of trade finance products such as letters of credit, documentary collections, and guarantees. Risk mitigation tools, including interest rate and currency hedging, are also available. Furthermore, Erste Group is active in capital markets, offering loan syndication, debt and equity capital market services, custody, brokerage, and market-making functions. Additional specialized services comprise corporate finance advisory, portfolio management, digital banking solutions, payment processing, and cash logistics. Internally, the company structures its operations through segments like Retail, Corporates, Group Markets, Asset/Liability Management & Local Corporate Center, Savings Banks, and a Group Corporate Center. As of December 31, 2021, its extensive branch network consisted of 2,091 locations, solidifying its significant market presence.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Peter Bosek
- Employees
- 49,024
- Website
- www.erstegroup.com
- Address
- Am Belvedere 1, Vienna, WI, 1100, AT
Erste Group Bank AG (EBOR) Earnings & Revenues
EBOR Company Deck
EBOR Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. Erste Group reported record quarterly revenue, operating profit, net profit, returns, fee income, and cost efficiency, while upgrading several 2026 targets and confirming net profit above EUR 4 billion. Risk costs and asset quality remained favorable, loan growth was robust, and management expressed confidence in continued business momentum. The main challenges were lower trading and fair value income, deposit and competitive pressures, the temporary CET1 and RWA effects, Polish campaign and integration-related items, the upcoming Czech pension-fee impact, and continued macroeconomic uncertainty. These lowlights were explicitly acknowledged but did not outweigh the breadth of the reported achievements and upgraded outlook.
View all DE:EBOR earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 9 | 6 | 6 |
| Technical Analysis | 1 | 6 | 2 |
| Moving Averages | 8 | 0 | 4 |
