Banque Cantonale du Jura (CH:BCJ)
:BCJ
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Banque Cantonale du Jura
(BCJ)
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Rating:56Neutral
Price Target:
CHF93.00
▲(36.76% Upside)
Action:Reiterated
Date:05/30/26
Fundamentals are stable but mixed: strong 2025 revenue growth is offset by margin compression, lower net income, modest ROE, and uneven cash-flow history. The near-term technical picture is weak (below key moving averages with negative MACD and low RSI/Stoch), and valuation appears only moderately supportive given the ~21.9 P/E and ~2.28% yield.
Positive Factors
Regional franchise and retail focus
BCJ's concentrated, regional retail and SME franchise produces stable deposit relationships and predictable local lending demand. That customer intimacy supports recurring interest and fee income, lower customer acquisition costs, and durable market share in its home canton over the medium term.
Negative Factors
Margin compression
A significant drop in net margin signals pressure from funding costs, higher credit provisions, or cost increases. Persistent margin erosion reduces the bank’s ability to convert revenue into sustainable profits, weakening ROE and limiting capacity to build capital organically over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Regional franchise and retail focus
BCJ's concentrated, regional retail and SME franchise produces stable deposit relationships and predictable local lending demand. That customer intimacy supports recurring interest and fee income, lower customer acquisition costs, and durable market share in its home canton over the medium term.
Read all positive factors
Banque Cantonale du Jura (BCJ) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF280.05M
Dividend Yield3.31%
Average Volume (3M)63.00
Price to Earnings (P/E)22.8
Beta (1Y)-0.10
Revenue Growth-14.87%
EPS Growth-8.88%
CountryCH
Employees150
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.10
Shares Outstanding3,000,000
10 Day Avg. Volume24
30 Day Avg. Volume63
Financial Highlights & Ratios
PEG Ratio-1.82
Price to Book (P/B)0.60
Price to Sales (P/S)2.40
P/FCF Ratio6.27
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
Banque Cantonale du Jura Business Overview & Revenue Model
Company Description
Banque Cantonale du Jura SA operates as a financial institution delivering a full spectrum of banking solutions to private individuals and businesses throughout Switzerland. Its offerings encompass a variety of account types, personal and mortgage...
How the Company Makes Money
BCJ primarily makes money through a universal-banking model centered on interest income and fee-based services.
1) Net interest income (core earnings): The bank collects customer deposits and other funding at a given cost and lends these funds ou...
Banque Cantonale du Jura Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
55
Neutral
Cash Flow
60
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 84.92M | 69.83M | 67.97M | 52.02M | 49.16M |
| Gross Profit | 71.55M | 69.83M | 67.97M | 52.02M | 49.16M |
| EBITDA | 17.50M | 19.22M | 18.81M | 16.06M | 15.60M |
| Net Income | 12.28M | 13.48M | 13.24M | 10.22M | 9.70M |
Balance Sheet | |||||
| Total Assets | 4.52B | 4.39B | 4.29B | 4.26B | 4.14B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 644.36M | 719.29M | 790.87M | 898.34M |
| Total Debt | 1.40B | 1.37B | 1.37B | 1.46B | 1.45B |
| Total Liabilities | 4.18B | 4.06B | 3.98B | 3.98B | 3.87B |
| Stockholders Equity | 340.72M | 323.68M | 304.45M | 283.98M | 271.86M |
Cash Flow | |||||
| Free Cash Flow | 32.44M | 73.78M | -141.82M | -133.56M | 50.25M |
| Operating Cash Flow | 35.40M | 79.35M | -138.86M | -130.20M | 54.50M |
| Investing Cash Flow | -2.67M | -118.71M | -104.66M | -34.23M | -96.97M |
| Financing Cash Flow | -199.11M | -125.66M | -3.27M | 56.96M | 143.39M |
Banque Cantonale du Jura Technical Analysis
Positive
68.00
Price Trends
96.89
Negative
87.33
Positive
75.65
Positive
Market Momentum
-1.38
Positive
47.91
Neutral
78.91
Neutral
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 94.32, below the 50-day MA of 96.89, and below the 200-day MA of 75.65, indicating a neutral trend. The MACD of -1.38 indicates Positive momentum. The RSI at 47.91 is Neutral, neither overbought nor oversold. The STOCH value of 78.91 is Neutral, 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
UnderperformOutperform
Sector (68)
CH:BCJ
Banque Cantonale du Jura
93.50
37.69
67.52%
CH:WKBN
Walliser Kantonalbank
156.50
35.13
28.95%
CH:TKBP
Thurgauer Kantonalbank
181.50
32.41
21.74%
CH:BSKP
Basler Kantonalbank Partizipsch
94.50
23.09
32.34%
CH:GRKP
Graubuendner Kantonalbank
2,160.00
448.31
26.19%
CH:BLKB
Basellandschaftliche Kantonalbank
1,080.00
179.67
19.96%
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.