BNK Banking Corporation Limited (AU:BBC)
ASX:BBC
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BNK Banking Corporation Limited
(Sydney:BBC)
Select Model
Select Model
Rating:51Neutral
Price Target:
AU$0.27
▼(-8.28% Downside)
Action:ReiteratedDate: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
De-risked Balance Sheet
A materially lower debt load and improved debt-to-equity in 2025 meaningfully reduce refinancing and interest-rate vulnerability. Over 2–6 months this supports lending capacity, credit resilience and lowers liquidity strain, enabling management to focus on stable growth and capital allocation.
Negative Factors
Multi-year Revenue and Cash Volatility
Historic swings in revenue and cash make forecasting earnings and capital needs difficult. Persistent volatility undermines lending growth planning, stress-tested capital buffers and investor confidence, raising the risk that a single adverse cycle could pressure liquidity or force renewed capital raising.
Read all positive and negative factors
Positive Factors
Negative Factors
De-risked Balance Sheet
A materially lower debt load and improved debt-to-equity in 2025 meaningfully reduce refinancing and interest-rate vulnerability. Over 2–6 months this supports lending capacity, credit resilience and lowers liquidity strain, enabling management to focus on stable growth and capital allocation.
Read all positive factors
BNK Banking Corporation Limited (BBC) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$29.70M
Dividend YieldN/A
Average Volume (3M)82.01K
Price to Earnings (P/E)20.6
Beta (1Y)0.63
Revenue Growth-7.19%
EPS GrowthN/A
CountryAU
EmployeesN/A
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
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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
Negative
0.29
Price Trends
0.27
Negative
0.28
Negative
0.28
Negative
Market Momentum
>-0.01
Positive
33.80
Neutral
33.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:BBC, the sentiment is Negative. The current price of 0.29 is above the 20-day moving average (MA) of 0.26, above the 50-day MA of 0.27, and above the 200-day MA of 0.28, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 33.80 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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% | |
55 Neutral | AU$47.91M | 5.00 | 11.37% | 5.00% | 16.64% | 19.30% | |
53 Neutral | AU$26.79M | 46.88 | 4.11% | 2.03% | 18.17% | ― | |
53 Neutral | AU$758.36M | 7.11 | 6.34% | 4.63% | 26.01% | -17.55% | |
51 Neutral | AU$29.70M | 20.55 | 1.13% | ― | -7.19% | ― | |
44 Neutral | AU$33.47M | -2.58 | -19.44% | ― | -2.35% | 13.33% | |
40 Underperform | AU$15.30M | -3.94 | -36.66% | ― | 8.28% | 84.45% |
* Financial Sector Average
AU:BBC
BNK Banking Corporation Limited
0.25
0.00
0.00%
AU:WZR
Wisr Ltd.
0.02
-0.01
-36.67%
AU:BTN
Butn Limited
0.04
-0.08
-65.22%
AU:CIW
Clime Investment Management Ltd
0.33
>-0.01
-2.40%
AU:WTL
WT Financial Group Ltd.
0.14
0.03
29.63%
AU:MYS
Mystate Limited
4.45
1.07
31.46%
BNK Banking Corporation Limited Corporate Events
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 ...
BNK Banking Corporation Unveils 1H26 Results and Strategy Outlook
Feb 25, 2026
BNK Banking Corporation Limited has released its 1H26 financial results and investor presentation dated 26 February 2026, led by Chief Executive Officer Allan Savins and Chief Financial Officer Steve Kinsella. The release outlines the company̵...
BNK Banking Corporation lifts profit as it pivots to higher-margin lending
Feb 25, 2026
BNK Banking Corporation reported first-half 2026 statutory net profit after tax of $0.42 million, up 31% year on year, while underlying profit fell 76% amid ongoing portfolio reshaping toward higher-margin assets. Net interest income rose 5% and n...
BNK Banking Posts Higher Half-Year Profit but Maintains Dividend Pause
Feb 25, 2026
BNK Banking Corporation Limited reported a 4% increase in revenue from operations to $13.24 million and a 31% rise in profit after tax attributable to members to $0.42 million for the half year ended 31 December 2025. The bank did not pay or decla...
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.