Banque Cantonale du Jura (BCJ) AI Stock Analysis

• Market Cap: CHF221.64M
• Dividend Yield: 3.31%
• Average Volume (3M): 63.00
• Price to Earnings (P/E): 18.1
• Beta (1Y): 0.05
• Revenue Growth: -9.68%
• EPS Growth: -13.74%
• Country: CH
• Employees: 150
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 3,000,000
• 10 Day Avg. Volume: 24
• 30 Day Avg. Volume: 63
• PEG Ratio: 6.87
• Price to Book (P/B): 0.52
• Price to Sales (P/S): 2.40
• P/FCF Ratio: 2.27
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: CHF85.00 ▲(25.00% Upside)

Banque Cantonale du Jura's stock score is primarily driven by strong technical analysis indicators, suggesting bullish momentum. Financial performance is solid but tempered by high leverage and cash flow fluctuations. Valuation is neutral, offering a reasonable P/E ratio and dividend yield.

Positive Factors

Regional franchise & public-law backing

BCJ's localized business model and status as a public-law institution create durable client relationships with households, SMEs and local authorities. That concentrated franchise supports stable deposit funding, predictable loan demand and high cross-sell potential over the medium term.

Improving operating margins

A sustained rise in EBIT margin signals better cost discipline and efficiency in core banking operations. Higher margins improve earnings resilience versus cyclical revenue swings, enable internal capital retention and strengthen the bank's ability to absorb credit losses over multiple quarters.

Positive free cash flow shift

An improvement in free cash flow enhances liquidity and strategic flexibility. Reliable cash generation reduces reliance on external funding, supports dividend payments and provisioning capacity, and improves the bank's ability to invest in digital or client-facing initiatives over the medium term.

Negative Factors

High leverage

Elevated debt relative to equity increases sensitivity to funding and interest-rate shocks and limits capital cushion for credit deterioration. High leverage narrows strategic options, can strain liquidity management and raises the stakes for prudent credit and capital planning over coming quarters.

Recent revenue decline

A material decline in reported revenue reduces the bank's earnings base and pressures ability to cover fixed costs and maintain investment. If this trend persists, it can erode margins, limit internal capital generation and constrain credit growth and service expansion over a multi-quarter horizon.

Volatile cash conversion

Significant swings in cash conversion weaken predictability of cash available for dividends, provisioning and lending. Inconsistent operating cash relative to accounting profits complicates liquidity planning and increases the risk that shortfalls force reliance on volatile external funding during stress periods.

Banque Cantonale du Jura Business Overview & Revenue Model

Company Description

Banque Cantonale du Jura SA provides various banking products and services to individuals and businesses in Switzerland. It offers various accounts, personal loans, mortgage loans, funding services, and debit and credit cards. The company also provides wealth management and advisory, credit, asset management, payment, and e-banking services. Banque Cantonale du Jura SA is based in Porrentruy, Switzerland.

How the Company Makes Money

BCJ generates revenue primarily through interest income from loans and mortgages, which constitute a significant portion of its earnings. The bank lends money to individuals and businesses at higher rates than it pays on deposits, thus earning a profit on the interest rate spread. Additionally, BCJ earns fees from various services, including account maintenance, transaction services, and investment advisory. The bank may also generate income from commissions on financial products and asset management services. Strategic partnerships with local businesses and community organizations further enhance its revenue potential by driving customer acquisition and retention, ultimately contributing to BCJ's financial performance.

Banque Cantonale du Jura Financial Statement Overview

Summary

Banque Cantonale du Jura demonstrates robust operational performance with consistent revenue growth and improving profit margins. However, the high leverage ratio poses a risk to financial stability, and fluctuations in operational cash conversion suggest areas for enhancement.

Income Statement

Banque Cantonale du Jura has shown consistent revenue growth over the period with a notable increase in EBIT margin, reflecting strong operational efficiency. However, there is a dip in total revenue in the most recent year compared to the previous period, which could signal potential volatility in income generation.

Balance Sheet

The balance sheet is characterized by a high debt-to-equity ratio, indicating significant leverage. Although the equity ratio shows a steady increase, suggesting improving financial stability, the high level of total debt relative to equity remains a concern for liquidity management.

Cash Flow

Cash flow analysis reveals a positive shift in free cash flow, indicating better cash management. However, the operating cash flow to net income ratio has fluctuated significantly, illustrating potential inconsistencies in cash generation relative to accounting profits.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	68.52M	69.83M	67.97M	52.02M	49.16M	53.19M
Gross Profit	68.52M	73.10M	67.97M	52.02M	49.16M	53.19M
EBITDA	16.98M	19.22M	18.81M	16.06M	15.60M	9.85M
Net Income	12.11M	13.48M	13.24M	10.22M	9.70M	7.08M
Balance Sheet
Total Assets	4.70B	4.39B	4.29B	4.26B	4.14B	4.00B
Cash, Cash Equivalents and Short-Term Investments	880.54M	644.36M	719.29M	790.87M	898.34M	797.42M
Total Debt	1.48B	1.37B	1.37B	1.46B	1.45B	1.38B
Total Liabilities	4.37B	4.06B	3.98B	3.98B	3.87B	3.74B
Stockholders Equity	330.90M	323.68M	304.45M	166.78M	271.86M	260.59M
Cash Flow
Free Cash Flow	0.00	73.78M	-141.82M	-133.56M	50.25M	20.94M
Operating Cash Flow	0.00	79.35M	-138.86M	-130.20M	54.50M	22.86M
Investing Cash Flow	0.00	-118.71M	-104.66M	-34.23M	-96.97M	-167.37M
Financing Cash Flow	0.00	-125.66M	-3.27M	56.96M	143.39M	492.63M

Banque Cantonale du Jura Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 68.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:BCJ, the sentiment is Positive. The current price of 68 is below the 20-day moving average (MA) of 74.40, below the 50-day MA of 70.34, and above the 200-day MA of 63.53, indicating a neutral trend. The MACD of 2.18 indicates Positive momentum. The RSI at 50.61 is Neutral, neither overbought nor oversold. The STOCH value of 18.44 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CH:BCJ.

Banque Cantonale du Jura Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BCJ	73 Outperform	CHF221.64M	18.07	―	3.31%	-9.68%	-13.74%
TKBP	72 Outperform	CHF684.00M	4.35	5.67%	2.09%	-13.79%	-1.57%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WKBN	―	CHF2.18B	25.44	5.30%	―	-8.80%	-5.90%
GRKP	65 Neutral	CHF1.51B	24.83	―	2.60%	―	―