Banque Cantonale du Jura (BCJ) AI Stock Analysis

• Market Cap: CHF191.69M
• Dividend Yield: 3.63%
• Average Volume (3M): 47.00
• Price to Earnings (P/E): 15.3
• Beta (1Y): 0.10
• Revenue Growth: -9.68%
• EPS Growth: -13.74%
• Country: CH
• Employees: 150
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.99
• Shares Outstanding: 3,000,000
• 10 Day Avg. Volume: 24
• 30 Day Avg. Volume: 47
• 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: CHF66.00
• Price Target Upside: 3.13% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 65 Neutral
• Price Target: CHF66.00 ▲(3.13% Upside)

Banque Cantonale du Jura's overall stock score is driven by strong financial performance, particularly in revenue growth and profit margins, despite high leverage risks. Technical indicators suggest a neutral trend with potential oversold conditions. The valuation is reasonable, supported by a solid dividend yield.

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

Banque Cantonale du Jura generates revenue through various streams typical of a regional banking institution. Key revenue sources include interest income from loans and mortgages provided to individuals and businesses, which constitutes a significant portion of its earnings. Additionally, the bank earns from fees associated with transaction services, account maintenance, and financial advisory services. BCJ also benefits from asset management fees generated through wealth management and investment advisory services. Strategic partnerships with other financial institutions and local businesses further enhance its service offerings, contributing to its revenue. The bank's focus on serving the local community ensures a stable customer base, supporting its profitability and growth.

Banque Cantonale du Jura Financial Statement Overview

Summary

Banque Cantonale du Jura demonstrates robust operational performance with consistent revenue growth and improving profit margins. Despite positive trends in equity growth, the high leverage ratio poses a risk to financial stability. Cash flow management shows improvement, but 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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	69.83M	92.87M	58.19M	52.02M	53.19M
Gross Profit	69.83M	67.97M	58.19M	52.02M	53.19M
EBITDA	19.22M	2.17M	16.30M	15.79M	12.61M
Net Income	13.48M	13.24M	10.22M	9.70M	7.08M
Balance Sheet
Total Assets	4.39B	4.29B	4.26B	4.14B	4.00B
Cash, Cash Equivalents and Short-Term Investments	644.36M	695.38M	790.87M	898.34M	797.42M
Total Debt	1.26B	1.37B	1.46B	1.45B	1.38B
Total Liabilities	4.06B	3.98B	4.10B	3.87B	3.74B
Stockholders Equity	323.68M	174.75M	166.78M	271.86M	260.59M
Cash Flow
Free Cash Flow	73.78M	-141.82M	-133.56M	50.25M	20.94M
Operating Cash Flow	79.35M	-138.86M	-130.20M	54.50M	22.86M
Investing Cash Flow	-4.72M	-104.66M	-34.23M	-96.97M	-167.37M
Financing Cash Flow	-125.66M	-3.27M	56.96M	143.39M	492.63M

Banque Cantonale du Jura Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 64.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 64 is above the 20-day moving average (MA) of 61.68, above the 50-day MA of 61.64, and above the 200-day MA of 58.13, indicating a bullish trend. The MACD of 0.01 indicates Negative momentum. The RSI at 53.50 is Neutral, neither overbought nor oversold. The STOCH value of 86.67 is Negative, 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
TKBP	77 Outperform	632.00M	4.01	5.58%	2.15%	-13.79%	-1.57%
WKBN	74 Outperform	2.01B	23.51	0.00%	―	-8.80%	-5.90%
BCJ	65 Neutral	CHF191.69M	15.32		3.63%	-9.68%	-13.74%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%