Bank of Queensland Limited (AU:BOQ)
ASX:BOQ
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Bank of Queensland
(Sydney:BOQ)
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Rating:47Neutral
Price Target:
AU$6.50
â–Ľ(-9.47% Downside)
Action:ReiteratedDate:12/30/25
The score is primarily held back by weakening financial performance (sharp revenue/earnings decline, low ROE with high leverage, and historically inconsistent cash flows). Technical indicators are broadly neutral with longer-term weakness (below key moving averages and slightly negative MACD). Valuation is mixed: the dividend yield helps, but the elevated P/E offsets it.
Positive Factors
Strategic Transformation
BOQ's focus on digital banking and operational simplification enhances its competitive position, potentially improving efficiency and customer satisfaction.
Negative Factors
Revenue Decline
A significant revenue decline suggests challenges in maintaining market share or pricing power, potentially impacting long-term profitability and growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Strategic Transformation
BOQ's focus on digital banking and operational simplification enhances its competitive position, potentially improving efficiency and customer satisfaction.
Read all positive factors
Bank of Queensland (BOQ) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$4.48B
Dividend Yield5.77%
Average Volume (3M)1.89M
Price to Earnings (P/E)―
Beta (1Y)0.81
Revenue Growth2.16%
EPS Growth-53.33%
CountryAU
Employees3,105
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.29
Shares Outstanding661,469,500
10 Day Avg. Volume1,608,349
30 Day Avg. Volume1,894,775
Financial Highlights & Ratios
PEG Ratio-0.65
Price to Book (P/B)0.78
Price to Sales (P/S)0.98
P/FCF Ratio26.94
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$6.76Price Target Upside-5.87% Downside
Rating ConsensusHold
Number of Analyst Covering6
EPS Forecast (FY)0.55
Revenue Forecast (FY)AU$1.69B
Bank of Queensland Business Overview & Revenue Model
Company Description
Bank of Queensland Limited, together with its subsidiaries, provides various financial products and services in Australia. The company operates in Retail Banking, BOQ Business, and Other segments. It offers personal banking services comprises savi...
How the Company Makes Money
Bank of Queensland Limited makes money through a variety of revenue streams primarily centered around interest income and fee-based income. The bank earns interest income from loans and advances provided to individuals and businesses, such as home...
Bank of Queensland Financial Statement Overview
Summary
Income Statement
44
Neutral
Balance Sheet
52
Neutral
Cash Flow
38
Negative
| Breakdown | Aug 2025 | Aug 2024 | Aug 2023 | Aug 2022 | Aug 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 4.72B | 5.08B | 4.20B | 1.63B | 1.27B |
| Gross Profit | 1.18B | 1.60B | 1.75B | 1.65B | 1.27B |
| EBITDA | 332.00M | 557.00M | 415.00M | 731.00M | 628.00M |
| Net Income | 133.00M | 285.00M | 124.00M | 409.00M | 368.00M |
Balance Sheet | |||||
| Total Assets | 100.53B | 103.04B | 105.35B | 99.91B | 91.44B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 3.15B | 2.58B | 2.45B | 2.35B |
| Total Debt | 17.66B | 18.19B | 21.03B | 21.01B | 18.31B |
| Total Liabilities | 94.62B | 97.02B | 99.22B | 93.25B | 85.24B |
| Stockholders Equity | 5.91B | 6.02B | 6.13B | 6.67B | 6.20B |
Cash Flow | |||||
| Free Cash Flow | 172.00M | -1.05B | -2.20B | -6.40B | -3.30B |
| Operating Cash Flow | 185.00M | -865.00M | -2.20B | -6.36B | -3.29B |
| Investing Cash Flow | 2.55B | 14.00M | -142.00M | -192.00M | -873.00M |
| Financing Cash Flow | -2.63B | -1.46B | 5.13B | 6.44B | 5.37B |
Bank of Queensland Technical Analysis
Negative
7.18
Price Trends
6.89
Negative
6.70
Positive
6.96
Negative
Market Momentum
-0.03
Positive
47.57
Neutral
25.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:BOQ, the sentiment is Negative. The current price of 7.18 is above the 20-day moving average (MA) of 6.83, above the 50-day MA of 6.89, and above the 200-day MA of 6.96, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 47.57 is Neutral, neither overbought nor oversold. The STOCH value of 25.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:BOQ.
Bank of Queensland Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | AU$288.89B | 12.51 | 13.27% | 3.00% | 6.39% | 7.78% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | AU$136.13B | 9.26 | 9.55% | 3.90% | 1.57% | 0.13% | |
60 Neutral | AU$15.69B | 1.52 | 20.57% | 2.83% | 10.37% | -25.81% | |
58 Neutral | AU$127.87B | 19.98 | 8.08% | 4.00% | -4.56% | -1.63% | |
51 Neutral | AU$5.85B | 6.45 | -1.25% | 5.99% | 5.39% | -117.83% | |
47 Neutral | AU$4.48B | -30.45 | 2.22% | 5.77% | 2.16% | -53.33% |
* Financial Sector Average
AU:BOQ
Bank of Queensland
6.80
0.79
13.11%
AU:BEN
Bendigo & Adelaide Bank
10.12
0.84
9.10%
AU:NAB
National Australia Bank Limited
41.80
10.98
35.61%
AU:WBC
Westpac Banking
39.85
11.85
42.31%
AU:SOL
Washington H. Soul Pattinson and Co.
41.34
8.19
24.70%
AU:CBA
Commonwealth Bank of Australia
172.80
32.46
23.13%
Bank of Queensland Corporate Events
Bank of Queensland Issues 609,885 New Shares From Conversion of Unquoted Securities
Jan 8, 2026
Bank of Queensland has notified the market that 609,885 ordinary fully paid shares were issued on 31 December 2025 following the exercise or conversion of previously unquoted options or other unquoted convertible securities. The move modestly incr...
Bank of Queensland Announces Lapse of 36,727 Deferred and Award Rights
Jan 7, 2026
Bank of Queensland has notified the market that a total of 36,727 deferred and award rights over its shares have lapsed as at 31 December 2025, comprising 35,007 deferred award rights and 1,720 CEO and Chair award rights. The rights lapsed because...
Bank of Queensland Announces New Dividend Distribution
Dec 15, 2025
Bank of Queensland Limited announced a new dividend distribution for its security, BOQPG, with a distribution amount of AUD 1.2412. The payment is scheduled for March 16, 2026, with a record date of February 27, 2026. This announcement reflects th...
Bank of Queensland AGM Results: Strong Support for Leadership
Dec 2, 2025
The Bank of Queensland Limited held its Annual General Meeting on December 2, 2025, where all resolutions were decided by poll. Key resolutions included the re-election of directors and the approval of securities grants to the CEO, with most resol...
Bank of Queensland’s Strategic Transformation Yields Positive Results in 2025
Dec 2, 2025
Bank of Queensland’s 2025 Annual General Meeting highlighted significant progress in its strategic transformation, focusing on digital enhancements and operational simplification. The company reported a 12% increase in cash earnings and impr...
BOQ Highlights Transformation and Growth at 2025 AGM
Dec 1, 2025
At the 2025 Annual General Meeting, BOQ highlighted its progress in transforming into a simpler, specialist bank with a focus on digital banking and operational resilience. The bank has made significant strides in compliance with anti-money launde...
Bank of Queensland Highlights 2025 Performance at Annual General Meeting
Dec 1, 2025
Bank of Queensland Limited held its 2025 Annual General Meeting, presenting a summary of its activities and financial results. The presentation emphasized the company’s operational strategies, market conditions, and financial performance, wh...
Bank of Queensland Announces New Dividend Distribution
Nov 18, 2025
Bank of Queensland Limited has announced a new dividend distribution for its security BOQPF, with a distribution amount of AUD 1.30060000. The record date for this dividend is set for January 30, 2026, with the payment scheduled for February 16, 2...
Bank of Queensland Updates Dividend Distribution Details
Nov 17, 2025
Bank of Queensland Limited has announced an update to its previous dividend distribution announcement, specifically regarding the Dividend Reinvestment Plan (DRP) price and the New Zealand Dollar (NZD) exchange rate. This update pertains to the di...
Bank of Queensland Announces 2025 AGM Details
Oct 30, 2025
Bank of Queensland Limited has announced the details of its 2025 Annual General Meeting (AGM), which will take place on December 2, 2025, at the Brisbane Convention Exhibition Centre. This meeting is a significant event for shareholders and stake...
Bank of Queensland Announces Director’s Interest Change
Oct 23, 2025
Bank of Queensland Limited has announced a change in the director’s interest notice involving Karen Lee Collett Penrose. The change involves an off-market transfer of 2,798 ordinary shares from being indirectly held by Pacific Custodian Pty ...
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.