BNK Banking Corporation Limited (AU:BBC)
ASX:BBC
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BNK Banking Corporation Limited
(Sydney:BBC)
Select Model
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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
Net income returned in 2025 after two loss years, materially reducing immediate solvency pressure and enabling retention of earnings to rebuild capital. If sustained, profitable operations support organic loan growth and lower reliance on external funding, strengthening long-term resilience.
Negative Factors
Volatile Revenue & Margins
Multi-year swings in revenue and margins undermine predictability of earnings and capital planning. Volatility increases the risk of earnings deterioration during stress, complicates provisioning and pricing strategies, and keeps investor confidence and credit terms more constrained over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Return to Profitability
Net income returned in 2025 after two loss years, materially reducing immediate solvency pressure and enabling retention of earnings to rebuild capital. If sustained, profitable operations support organic loan growth and lower reliance on external funding, strengthening long-term resilience.
Read all positive factors
BNK Banking Corporation Limited (BBC) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$30.88M
Dividend YieldN/A
Average Volume (3M)82.01K
Price to Earnings (P/E)22.8
Beta (1Y)0.64
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 Ltd. is an Australian financial institution providing a diverse array of retail banking and financial solutions across the country. Its operations are structured into two primary segments: Banking and Aggregation. The compa...
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 | 2.46M | 2.33M | -7.72M | -4.84M | -15.63M | -4.69M |
| 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 | 107.33M | 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
Positive
0.29
Price Trends
0.23
Positive
0.25
Positive
0.27
Negative
Market Momentum
<0.01
Negative
73.65
Negative
53.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:BBC, the sentiment is Positive. The current price of 0.29 is above the 20-day moving average (MA) of 0.24, above the 50-day MA of 0.23, and above the 200-day MA of 0.27, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 73.65 is Negative, neither overbought nor oversold. The STOCH value of 53.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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$47.91M | 12.15 | 11.37% | 5.00% | 8.25% | 28.83% | |
53 Neutral | AU$24.71M | 21.90 | 4.11% | 2.03% | 35.83% | ― | |
53 Neutral | AU$797.56M | 16.03 | 6.34% | 4.63% | 44.60% | -7.74% | |
51 Neutral | AU$30.88M | 22.84 | 1.13% | ― | -23.53% | ― | |
43 Neutral | AU$33.48M | -3.23 | -26.13% | ― | 7.47% | 5.97% | |
41 Neutral | AU$5.72M | -0.99 | -36.66% | ― | 13.59% | 66.07% |
* Financial Sector Average
AU:BBC
BNK Banking Corporation Limited
0.27
-0.02
-5.36%
AU:WZR
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0.02
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-5.00%
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0.02
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-86.36%
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Clime Investment Management Ltd
0.30
-0.09
-22.08%
AU:WTL
WT Financial Group Ltd.
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0.03
25.00%
AU:MYS
Mystate Limited
4.71
0.57
13.88%
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’...
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.