Berner Kantonalbank AG (CH:BEKN)
:BEKN
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Berner Kantonalbank AG
(BEKN)
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Rating:67Neutral
Price Target:
CHF429.00
▲(39.97% Upside)
Action:ReiteratedDate:03/24/26
The score is driven mainly by solid fundamentals tempered by leverage and cash-flow volatility/inconsistencies, alongside strong technical uptrend that is partially offset by overbought RSI. Valuation is broadly reasonable with a moderate P/E and a modest dividend yield.
Positive Factors
Core retail & wealth franchise
A diversified local banking franchise focused on retail, mortgages, corporate lending and wealth management gives enduring revenue mix resilience. Local market focus supports stable customer relationships, recurring deposit funding and predictable fee streams over the medium term.
Negative Factors
High leverage
Debt-to-equity in the ~2.7–3.3x range is typical for banks but limits financial flexibility. Elevated leverage increases sensitivity to credit losses and interest-rate shifts, constraining capital buffers and shareholder return policy over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Core retail & wealth franchise
A diversified local banking franchise focused on retail, mortgages, corporate lending and wealth management gives enduring revenue mix resilience. Local market focus supports stable customer relationships, recurring deposit funding and predictable fee streams over the medium term.
Read all positive factors
Berner Kantonalbank AG (BEKN) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF3.65B
Dividend Yield3.39%
Average Volume (3M)3.22K
Price to Earnings (P/E)7.2
Beta (1Y)0.14
Revenue Growth-8.54%
EPS Growth3.88%
CountryCH
Employees1,009
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)10.70
Shares Outstanding9,320,000
10 Day Avg. Volume3,467
30 Day Avg. Volume3,222
Financial Highlights & Ratios
PEG Ratio-4.99
Price to Book (P/B)0.93
Price to Sales (P/S)4.20
P/FCF Ratio7.15
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
Berner Kantonalbank AG Business Overview & Revenue Model
Company Description
Berner Kantonalbank AG, a cantonal bank, offers various banking products and financial services to private individuals and corporate customers in Switzerland. It offers investment, shareholder, youth, education, and SME savings accounts; deposit, ...
How the Company Makes Money
Berner Kantonalbank AG primarily earns revenue from traditional banking and wealth management activities. The main revenue stream is net interest income: the bank funds itself through customer deposits and other funding sources and lends primarily...
Berner Kantonalbank AG Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
62
Positive
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 681.43M | 748.40M | 532.28M | 531.30M | 497.22M |
| Gross Profit | 566.76M | 561.96M | 735.03M | 471.53M | 463.51M |
| EBITDA | 261.81M | 0.00 | 0.00 | 253.79M | 236.89M |
| Net Income | 175.35M | 180.67M | 174.88M | 159.62M | 154.94M |
Balance Sheet | |||||
| Total Assets | 42.98B | 40.50B | 40.05B | 39.76B | 38.99B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 6.73B | 7.80B | 8.60B | 8.81B |
| Total Debt | 9.95B | 9.99B | 7.85B | 7.74B | 7.22B |
| Total Liabilities | 39.89B | 37.50B | 37.17B | 36.99B | 36.29B |
| Stockholders Equity | 3.08B | 3.00B | 2.89B | 2.77B | 2.71B |
Cash Flow | |||||
| Free Cash Flow | 400.72M | 389.19M | 1.70B | 1.12B | -637.67M |
| Operating Cash Flow | 437.89M | 420.57M | 1.76B | 1.18B | -596.39M |
| Investing Cash Flow | -1.83B | -79.71M | -98.66M | -1.75B | -1.24B |
| Financing Cash Flow | 2.32B | 268.45M | 47.06M | 738.04M | 2.57B |
Berner Kantonalbank AG Technical Analysis
Positive
306.50
Price Trends
360.23
Positive
324.60
Positive
290.03
Positive
Market Momentum
11.15
Positive
61.45
Neutral
64.38
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:BEKN, the sentiment is Positive. The current price of 306.5 is below the 20-day moving average (MA) of 390.13, below the 50-day MA of 360.23, and above the 200-day MA of 290.03, indicating a bullish trend. The MACD of 11.15 indicates Positive momentum. The RSI at 61.45 is Neutral, neither overbought nor oversold. The STOCH value of 64.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CH:BEKN.
Berner Kantonalbank AG Peers Comparison
UnderperformOutperform
Sector (68)
CH:BEKN
Berner Kantonalbank AG
400.00
167.05
71.71%
GB:0RE6
Walliser Kantonalbank
152.00
37.18
32.38%
GB:0QPU
Valiant Holding
176.10
62.54
55.07%
DE:1Y61
Zuger Kantonalbank AG
10,950.00
5,433.77
98.51%
CH:LLBN
Liechtensteinische Landesbank AG
98.90
22.94
30.20%
CH:GRKP
Graubuendner Kantonalbank
2,150.00
457.87
27.06%
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.