BNK Banking Corporation Limited (AU:BBC)
ASX:BBC
Want to see AU:BBC full AI Analyst Report?
Top Page
BNK Banking Corporation Limited
(Sydney:BBC)
Select Model
Select Model
Rating:51Neutral
Price Target:
AU$0.22
▼(-23.79% Downside)
Action:Reiterated
Date:03/24/26
The score is driven mainly by improving financial performance in 2025 (return to profitability, materially lower leverage, and strong positive cash flow), but it is held back by the company’s historically volatile results and weak technical setup (below key moving averages with negative MACD). Valuation is neither clearly attractive nor strongly supportive at a ~20.6 P/E with no dividend yield data.
Positive Factors
Return to profitability
BNK’s return to profitability in 2025 after two loss years signals a structural inflection: improved cost/income dynamics and earnings conversion reduce solvency risk and give management room to rebuild capital and reinvest in core retail lending and distribution over the next 2–6 months.
Negative Factors
Multi-year volatility
A long track record of volatile revenue, margins and cash flows implies predictability risk: earnings rebounds may be temporary, complicating capital planning and investor visibility, and increasing the chance that short-term setbacks could reverse recent progress within months.
Read all positive and negative factors
Positive Factors
Negative Factors
Return to profitability
BNK’s return to profitability in 2025 after two loss years signals a structural inflection: improved cost/income dynamics and earnings conversion reduce solvency risk and give management room to rebuild capital and reinvest in core retail lending and distribution over the next 2–6 months.
Read all positive factors
BNK Banking Corporation Limited (BBC) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$28.51M
Dividend YieldN/A
Average Volume (3M)82.01K
Price to Earnings (P/E)20.6
Beta (1Y)0.65
Revenue Growth-23.53%
EPS GrowthN/A
CountryAU
Employees104
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.01
Shares Outstanding118,780,030
10 Day Avg. Volume40,501
30 Day Avg. Volume82,014
Financial Highlights & Ratios
PEG Ratio-0.23
Price to Book (P/B)0.29
Price to Sales (P/S)1.36
P/FCF Ratio0.08
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
BNK Banking Corporation Limited Business Overview & Revenue Model
Company Description
BNK Banking Corporation Limited provides various retail banking products and services in Australia. It operates through two segments, Banking and Aggregation segments. The company accepts various deposit products, including savings accounts, term ...
How the Company Makes Money
BNK Banking Corporation Limited generates revenue primarily through its banking activities, which include earning interest income on home loans, savings accounts, and other lending products. The company also makes money from fees and charges assoc...
BNK Banking Corporation Limited Financial Statement Overview
Summary
Income Statement
46
Neutral
Balance Sheet
52
Neutral
Cash Flow
58
Neutral
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 50.08M | 26.19M | 92.86M | 66.31M | 21.41M | 26.15M |
| Gross Profit | 28.56M | 26.19M | 15.94M | 14.45M | 4.68M | 37.52M |
| EBITDA | 2.29M | 1.99M | 0.00 | -4.84M | -15.63M | -5.11M |
| Net Income | 1.38M | 1.28M | -6.70M | -3.94M | 59.79M | 5.66M |
Balance Sheet | ||||||
| Total Assets | 1.24B | 1.23B | 1.72B | 1.68B | 1.44B | 1.32B |
| Cash, Cash Equivalents and Short-Term Investments | 91.13M | 0.00 | 325.44M | 294.77M | 407.14M | 204.25M |
| Total Debt | 78.46M | 90.45M | 321.44M | 285.58M | 246.38M | 64.63M |
| Total Liabilities | 1.11B | 1.11B | 1.60B | 1.55B | 1.24B | 1.19B |
| Stockholders Equity | 122.46M | 122.04M | 121.12M | 128.18M | 190.38M | 127.97M |
Cash Flow | ||||||
| Free Cash Flow | 259.13M | 443.99M | -2.34M | -16.22M | -460.31M | -247.51M |
| Operating Cash Flow | 259.39M | 444.25M | -2.32M | -16.22M | -460.31M | -247.07M |
| Investing Cash Flow | 164.14M | -267.00K | -7.57M | 64.92M | 371.35M | 204.02M |
| Financing Cash Flow | -333.93M | -494.01M | 35.66M | -19.82M | 181.70M | 72.21M |
BNK Banking Corporation Limited Technical Analysis
Neutral
0.29
Price Trends
0.24
Positive
0.26
Negative
0.28
Negative
Market Momentum
>-0.01
Negative
60.88
Neutral
85.71
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:BBC, the sentiment is Neutral. The current price of 0.29 is above the 20-day moving average (MA) of 0.23, above the 50-day MA of 0.24, and above the 200-day MA of 0.28, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 60.88 is Neutral, neither overbought nor oversold. The STOCH value of 85.71 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AU:BBC.
BNK Banking Corporation Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | AU$43.63M | 11.89 | 11.37% | 5.00% | 8.25% | 28.83% | |
53 Neutral | AU$26.37M | 27.18 | 4.11% | 2.03% | 35.83% | ― | |
53 Neutral | AU$754.96M | 16.00 | 6.34% | 4.63% | 44.60% | -7.74% | |
51 Neutral | AU$28.51M | 20.63 | 1.13% | ― | -23.53% | ― | |
41 Neutral | AU$37.01M | -3.45 | -26.13% | ― | 7.47% | 5.97% | |
38 Underperform | AU$5.34M | -1.11 | -36.66% | ― | 13.59% | 66.07% |
* Financial Sector Average
AU:BBC
BNK Banking Corporation Limited
0.24
-0.06
-20.00%
AU:WZR
Wisr Ltd.
0.02
<0.01
5.00%
AU:BTN
Butn Limited
0.01
-0.09
-86.67%
AU:CIW
Clime Investment Management Ltd
0.32
-0.07
-16.88%
AU:WTL
WT Financial Group Ltd.
0.13
0.01
12.39%
AU:MYS
Mystate Limited
4.43
0.31
7.60%
BNK Banking Corporation Limited Corporate Events
BNK Director Calvin Ng Increases Indirect Stake via On-Market Share Purchases
May 21, 2026
BNK Banking Corporation Limited disclosed that director Kar Wing (Calvin) Ng increased his indirect holding in the bank through a series of on-market trades in May 2026. Ng, via entities including Aura Capital Management and Ng Capital Management,...
BNK lifts margin and grows commercial lending as profits normalize in Q3 FY26
Apr 30, 2026
BNK Banking Corporation reported a profitable third quarter for FY26, with underlying profit after tax of $621,000 and statutory profit after tax of $414,000, both lower than the prior year due to one-off gains in FY25. The bank grew net interest ...
BNK Banking Corporation Names CFO Steve Kinsella Interim CEO as Allan Savins Steps Down
Apr 2, 2026
BNK Banking Corporation has announced a CEO transition, with long‑serving chief Allan Savins stepping down on 2 July 2026 after leading the bank through a period of transformation and growth. The board credits Savins with advancing BNK’...
BNK Banking Corporation Reports Lapse of 5,000 Performance Rights
Mar 15, 2026
BNK Banking Corporation has notified the market of the cessation of 5,000 performance rights, recorded under the ASX security code BBCAA. The rights lapsed on 6 March 2026 because the conditions attached to these conditional rights were not met or...
BNK Banking Unveils Investor Presentation at Coffee Microcaps Conference
Mar 4, 2026
BNK Banking Corporation Limited has released an investor presentation that CEO Allan Savins is delivering at the Coffee Microcaps conference in Perth. The presentation’s release to the ASX underscores BNK’s ongoing engagement with the ...
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.