Bank Ochrony Srodowiska S.A. (BOS) AI Stock Analysis

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Bank Ochrony Srodowiska S.A.

(Warsaw:BOS)

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Rating:54Neutral

Price Target:PLN 11.50▲(10.36% Upside)

Action:initiatedcoverage

Date:09/16/25

Overall the score reflects strong revenue growth and a healthy balance sheet, but is constrained by sharply negative cash flow and declining profitability, with no technical support and moderate valuation strength. The most significant risk is operational cash strain, making sustainability a key concern unless cash flows recover.

Positive Factors

Sustainable Finance FocusBOS's focus on sustainable finance aligns with global trends towards eco-friendly investments, positioning it well for future growth in this sector.

Negative Factors

Operational InefficienciesOperational inefficiencies could impact BOS's ability to maintain profitability, necessitating strategic improvements to enhance cost management.

Bank Ochrony Srodowiska S.A. (BOS) vs. SPDR S&P 500 ETF (SPY)

Market Cap: PLN 968.12M
Dividend Yield: ―
Average Volume (3M): 30.89K
Price to Earnings (P/E): 16.2
Beta (1Y): 0.85
Revenue Growth: -1.66%
EPS Growth: -45.11%
Country: PL
Employees: 1,746
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Bank Ochrony Srodowiska S.A. Business Overview & Revenue Model

Company Description

Established in 1990 and headquartered in Warsaw, Poland, Bank Ochrony Srodowiska S.A. is a financial institution offering a wide array of banking services throughout the country. Its operations are structured into distinct divisions focusing on insti...

How the Company Makes Money

BOS generates revenue through a diversified model primarily based on interest income from loans and fees from financial services. The bank receives interest from loans extended to individuals and businesses, particularly those involved in environment...

Bank Ochrony Srodowiska S.A. Financial Statement Overview

Summary

Revenue growth is strong and capital strength solid, but cash flow has sharply deteriorated and net profitability compressed, raising caution about sustainability. Weak cash generation and margin pressure outweigh positive balance sheet trends.

Income Statement

60Neutral

Balance Sheet

75Positive

Cash Flow

35Negative

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.24B	1.38B	1.68B	1.03B	1.43B	700.30M
Gross Profit	496.20M	658.59M	1.07B	1.03B	983.12M	644.16M
EBITDA	128.56M	219.94M	227.95M	230.92M	256.87M	135.11M
Net Income	59.88M	124.51M	79.66M	78.37M	128.24M	47.46M
Balance Sheet
Total Assets	27.31B	25.72B	22.72B	22.03B	22.01B	20.23B
Cash, Cash Equivalents and Short-Term Investments	2.91B	5.58B	4.31B	4.02B	791.49M	710.88M
Total Debt	1.42B	1.08B	682.18M	983.77M	1.05B	1.06B
Total Liabilities	24.91B	23.28B	20.49B	19.88B	20.04B	18.36B
Stockholders Equity	2.40B	2.44B	2.23B	2.15B	1.96B	1.87B
Cash Flow
Free Cash Flow	-339.89M	522.37M	-225.63M	-1.00B	1.93B	1.16B
Operating Cash Flow	-285.77M	571.33M	-173.03M	-944.87M	2.00B	1.20B
Investing Cash Flow	-4.01B	337.07M	648.14M	-328.90M	-281.60M	-39.78M
Financing Cash Flow	1.99B	300.37M	-196.72M	43.03M	-68.60M	-32.03M

Bank Ochrony Srodowiska S.A. Technical Analysis

Technical Analysis SentimentPositive

Last Price10.42

Price Trends

50DMA10.26Positive

100DMA10.19Positive

200DMA10.25Positive

Market Momentum

MACD0.06Negative

RSI52.17Neutral

STOCH69.15Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:BOS, the sentiment is Positive. The current price of 10.42 is above the 20-day moving average (MA) of 10.32, above the 50-day MA of 10.26, and above the 200-day MA of 10.25, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 52.17 is Neutral, neither overbought nor oversold. The STOCH value of 69.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PL:BOS.

Bank Ochrony Srodowiska S.A. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

PL:BOS against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PL:BHW	76Outperform	PLN 15.81B	8.90	18.27%	10.94%	-21.59%	17.18%
PL:ING	74Outperform	PLN 59.04B	13.07	22.44%	5.89%	3.62%	-1.09%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PL:MIL	61Neutral	PLN 27.84B	18.97	14.21%	―	-1.94%	41.60%
PL:BOS	54Neutral	PLN 968.12M	16.21	2.51%	―	-1.66%	-45.11%

* Financial Sector Average

Performance Comparison

PL:BOS and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
PL:BOS	Bank Ochrony Srodowiska S.A.	10.42	-1.82	-14.87%
PL:BNP	BNP Paribas Bank Polska Spolka Akcyjna	169.40	63.61	60.13%
PL:BHW	Bank Handlowy w Warszawie S.A.	121.00	23.17	23.69%
PL:ING	ING Bank Slaski S.A.	453.80	155.57	52.17%
PL:ALR	Alior Bank SA	133.35	36.20	37.27%
PL:MIL	Bank Millennium SA	22.95	7.31	46.74%

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: Sep 16, 2025

Bank Ochrony Srodowiska S.A. AI Stock Analysis

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