Bank Ochrony Srodowiska S.A. (PL:BOS)
:BOS
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Bank Ochrony Srodowiska S.A.
(BOS)
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Rating:58Neutral
Price Target:
zł12.00
▲(6.76% Upside)
Action:N/ADate:09/14/25
The overall stock score of 58 for PL:BOS is primarily driven by mixed financial performance, with strong revenue growth tempered by profitability pressures and negative cash flows. A reasonable P/E ratio of 9.908 supports a positive valuation outlook, while the lack of technical data results in a neutral stance. Financial concerns remain the most significant factor influencing the score.
Bank Ochrony Srodowiska S.A. (BOS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
zł938.39M
Dividend YieldN/A
Average Volume (3M)31.63K
Price to Earnings (P/E)43.2
Beta (1Y)0.92
Revenue Growth-1.18%
EPS Growth49.92%
CountryPL
Employees1,642
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding92,947,670
10 Day Avg. Volume22,504
30 Day Avg. Volume31,630
Financial Highlights & Ratios
PEG Ratio4.81
Price to Book (P/B)0.41
Price to Sales (P/S)0.54
P/FCF Ratio-4.04
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)0.88
Revenue Forecast (FY)zł1.03B
Bank Ochrony Srodowiska S.A. Business Overview & Revenue Model
Company Description
Bank Ochrony Srodowiska S.A. provides various banking products and services in Poland. It operates through Institutional Clients, Retail Clients, Treasury and Investments, and Brokerage Business segments. The company offers mortgage, cash, and mor...
How the Company Makes Money
BOS generates revenue through a diversified model primarily based on interest income from loans and fees from financial services. The bank receives interest from loans extended to individuals and businesses, particularly those involved in environm...
Bank Ochrony Srodowiska S.A. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
40
Negative
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.76B | 1.68B | 1.03B | 1.43B | 700.30M | 771.09M |
| Gross Profit | 1.09B | 1.07B | 1.03B | 983.12M | 644.16M | 623.49M |
| EBITDA | 258.50M | 227.95M | 214.90M | 256.87M | 135.11M | -232.85M |
| Net Income | 124.34M | 79.66M | 78.37M | 128.24M | 47.46M | -306.93M |
Balance Sheet | ||||||
| Total Assets | 24.94B | 22.72B | 22.03B | 22.01B | 20.23B | 20.51B |
| Cash, Cash Equivalents and Short-Term Investments | 5.74B | 4.31B | 4.02B | 791.49M | 710.88M | 308.97M |
| Total Debt | 1.15B | 682.18M | 983.77M | 1.05B | 1.06B | 1.24B |
| Total Liabilities | 22.61B | 20.49B | 19.88B | 20.04B | 18.36B | 18.59B |
| Stockholders Equity | 2.34B | 2.23B | 2.15B | 1.96B | 1.87B | 1.91B |
Cash Flow | ||||||
| Free Cash Flow | 1.48B | -225.63M | -1.00B | 1.93B | 1.16B | 928.69M |
| Operating Cash Flow | 1.52B | -173.03M | -944.87M | 2.00B | 1.20B | 967.03M |
| Investing Cash Flow | 344.07M | 648.14M | -328.90M | -281.60M | -39.78M | -141.27M |
| Financing Cash Flow | 443.31M | -196.72M | 43.03M | -68.60M | -32.03M | -33.84M |
Bank Ochrony Srodowiska S.A. Technical Analysis
Positive
11.24
Price Trends
10.47
Negative
10.29
Negative
10.74
Negative
Market Momentum
-0.08
Negative
50.89
Neutral
69.65
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:BOS, the sentiment is Positive. The current price of 11.24 is above the 20-day moving average (MA) of 10.14, above the 50-day MA of 10.47, and above the 200-day MA of 10.74, indicating a neutral trend. The MACD of -0.08 indicates Negative momentum. The RSI at 50.89 is Neutral, neither overbought nor oversold. The STOCH value of 69.65 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PL:BOS.
Bank Ochrony Srodowiska S.A. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | zł56.33B | 9.60 | 25.90% | 7.36% | 7.35% | 3.83% | |
76 Outperform | zł15.42B | 8.26 | 18.15% | 12.95% | -1.33% | -19.83% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | zł22.51B | 16.79 | 12.54% | ― | 9.01% | 51.90% | |
58 Neutral | zł938.39M | 43.24 | 5.47% | ― | -1.18% | 49.92% |
* Financial Sector Average
PL:BOS
Bank Ochrony Srodowiska S.A.
10.10
-1.14
-10.14%
PL:BNP
BNP Paribas Bank Polska Spolka Akcyjna
161.80
67.02
70.72%
PL:BHW
Bank Handlowy w Warszawie S.A.
118.00
22.96
24.16%
PL:ING
ING Bank Slaski S.A.
433.00
148.55
52.22%
PL:ALR
Alior Bank SA
124.35
29.27
30.78%
PL:MIL
Bank Millennium SA
18.56
5.70
44.28%
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.