Banque Cantonale Du Jura SA (BCJ) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Banque Cantonale Du Jura SA stock CHF 60.71, price CHF 77.50, that is 21.7% below the price, quality 63 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range CHF 37.40 – CHF 105.76 · fair‑value band CHF 45.53 – CHF 75.89 · the CHF 77.50 price screens above the CHF 60.71 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Banque Cantonale du Jura SA provides various banking products and services to individuals and businesses in Switzerland. The company offers various accounts, youth accounts, personal loans, mortgages, funding services, and debit and credit cards.
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It also provides wealth management and investment advice, credit, asset management, payment, and e-banking services. The company was founded in 1979 and is based in Porrentruy, Switzerland.
Stock analysis
Banque Cantonale Du Jura SA (BCJ) currently trades at CHF 77.50, while our model-based Fair Value estimate is CHF 60.71, 22% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of CHF 76.94 per share, and 0 of the 6 models we run sit above the CHF 77.50 price.
Bear case: the Dividend Discount group reads lowest at CHF 28.84, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: CHF 45.53 (bear) to CHF 75.89 (bull), the price of CHF 77.50 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Banque Cantonale Du Jura SA reported revenue of CHF 84.9M in FY2025 versus CHF 47.3M in FY2021, a compound +15.8%/yr. Reported net income was CHF 12.3M in FY2025, compounding +6.1%/yr from FY2021.
Key figures
Market cap CHF 232M Micro · P/E ratio 18.9 · P/S ratio 3.08 · EPS (TTM) CHF 4.11 · Dividend yield 2.6% · Net margin 16.4% · Return on equity 3.6% · Return on assets (EBIT) 0.4% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (low confidence).
What moves the price
The share trades about 27% below its 52-week high and 26% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −22%, BCJ screens cheaper than that median.
Fair Value models
BearCHF 45.53Fair Value CHF 60.71BullCHF 75.89
Price CHF 77.50 · Downside -21.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (CHF 1.77 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+21.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.6%
Start year 2020 (pandemic). Over 10 years: +7.4% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−15.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+8.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.1%
Dividend (yield on the price)2.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.6.1% vs 3.4%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.22% → 21%
Compare Banque Cantonale Du Jura SA with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 6/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score63 · Top 25%
Fair Value upside−21.7% · Below median
Profitability
Return on equity (12 months)3.6% · Bottom 25%
Return on assets0.3% · Bottom 25%
Net margin (12 months)16.4% · Bottom 25%
Operating margin (12 months)28.7% · Below median
Growth and dividend
Revenue growth (quarter YoY)14.3% · Above median
Dividend yield (12 months)2.6% · Above median
Balance sheet
Debt / equity3.61× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)18.9× · Priciest 25%
P/B0.68× · Cheapest 25%
P/S (12 months)3.08× · Cheaper than median
Price / free cash flow (fiscal year)7.2× · Cheaper than median
EV/EBITDA45.6× · Priciest 25%
PEG11.09× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)4· sector 8
FUTURE (revenue growth)72· sector 47
PAST (return on equity)14· sector 43
HEALTH (low debt)–
DIVIDEND (yield)53· sector 53
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Banque Cantonale Du Jura SA Fair Value". https://www.fairvalue-calculator.com/stock/BCJ
Frequently asked questions
Is Banque Cantonale Du Jura SA (BCJ) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of CHF 60.71 versus a price of CHF 77.50, about 22% lower (overvalued).
What is the fair value of BCJ?
Our model-based fair value for Banque Cantonale Du Jura SA is CHF 60.71 (as of Nov 8, 2026), built from audited fundamentals. The current price: CHF 77.50.
What is the quality score of BCJ?
Banque Cantonale Du Jura SA has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Banque Cantonale Du Jura SA (BCJ)?
Our model-based price target is the fair value of CHF 60.71 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario CHF 45.53, optimistic scenario CHF 75.89. It is a calculation from audited fundamentals, not an analyst target.
What is the Banque Cantonale Du Jura SA stock forecast for 2026?
Our models put fair value at CHF 60.71, about 22% lower versus a price of CHF 77.50 (overvalued). Cautious scenario CHF 45.53, optimistic scenario CHF 75.89. The calculation is refreshed regularly with new filings.
What is the revenue of Banque Cantonale Du Jura SA (BCJ)?
Banque Cantonale Du Jura SA reported trailing-twelve-month revenue of about CHF 75.2M (latest available figure, as of Nov 8, 2026).
Does Banque Cantonale Du Jura SA pay a dividend?
Banque Cantonale Du Jura SA currently shows a dividend yield of 2.65% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Banque Cantonale Du Jura SA (BCJ) and when is the ex-dividend date?
Banque Cantonale Du Jura SA pays a dividend of CHF 2.05 per share a year, a dividend yield of 2.6%. The last ex-dividend date was May 15, 2026. A dividend has been paid every year since 2002. The payout ratio is 49.9% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Banque Cantonale Du Jura SA (BCJ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banque Cantonale Du Jura SA it is CHF 60.71 per share (as of Nov 8, 2026), against a price of CHF 77.50. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Banque Cantonale Du Jura SA stock overvalued or undervalued in 2026?
As of Nov 8, 2026, BCJ trades above its calculated fair value: price CHF 77.50, fair value CHF 60.71, a gap of about −22% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BCJ?
No. The price is what the market pays today (CHF 77.50); the fair value is what the company's own numbers justify (CHF 60.71). For Banque Cantonale Du Jura SA the two are CHF 16.79 per share apart. That gap is exactly why we show both numbers side by side.
How much is Banque Cantonale Du Jura SA worth?
The market values Banque Cantonale Du Jura SA at about CHF 232M (market capitalisation, as of Nov 8, 2026). Per share that is CHF 77.50; our models calculate a fair value of CHF 60.71 per share.
What do the bullish and bearish scenarios say about BCJ?
Our models span a range for Banque Cantonale Du Jura SA: cautious scenario CHF 45.53, base CHF 60.71, optimistic CHF 75.89 per share (as of Nov 8, 2026, price CHF 77.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BCJ?
Banque Cantonale Du Jura SA trades at a price-to-earnings ratio of 18.9 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of CHF 60.71 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 16.4. Other multiples: PEG 11.1, P/B 0.7, P/S 3.1, EV/EBITDA 45.6.
What is the PEG ratio of BCJ?
The PEG ratio of Banque Cantonale Du Jura SA is 11.09 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Banque Cantonale Du Jura SA (BCJ)?
Balance-sheet figures for Banque Cantonale Du Jura SA (as of Nov 8, 2026): return on equity 3.6%, debt of 3.61 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is BCJ from its 52-week high?
Banque Cantonale Du Jura SA trades at CHF 77.50, about 27% below its 52-week high of CHF 105.76 and 26% above the low of CHF 61.70 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of CHF 60.71 is for.
Which stocks are comparable to Banque Cantonale Du Jura SA?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Banque Cantonale Du Jura SA stock attractive at the current price?
The data as of Nov 8, 2026: price CHF 77.50, calculated fair value CHF 60.71 (−22%), Quality Score 63/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BCJ calculated?
We run Banque Cantonale Du Jura SA through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of CHF 60.71 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Banque Cantonale Du Jura SA itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Banque Cantonale Du Jura SA (BCJ)?
The closing price on Nov 6, 2026 was CHF 77.50. Our model-based fair value is CHF 60.71, about 22% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banque Cantonale Du Jura SA right now?
The price sits above even our optimistic bull case (CHF 75.89). The favourable scenario is already priced in. Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Banque Cantonale Du Jura SA (BCJ) come from?
Earnings per share at Banque Cantonale Du Jura SA grew +4.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.3 %, EBIT margin −1.2 %, tax rate +0.5 %, residual (interest, one-offs) −1.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Banque Cantonale Du Jura SA
How large is the market capitalisation of Banque Cantonale Du Jura SA (BCJ)?
The market capitalisation of Banque Cantonale Du Jura SA is CHF 232M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Banque Cantonale Du Jura SA (BCJ)?
The price-to-sales ratio of Banque Cantonale Du Jura SA is 3.08 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Banque Cantonale Du Jura SA (BCJ)?
Earnings per share at Banque Cantonale Du Jura SA are CHF 4.11 (price ÷ EPS = P/E 18.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banque Cantonale Du Jura SA (BCJ)?
The dividend yield of Banque Cantonale Du Jura SA is 2.6% (payout 49.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Banque Cantonale Du Jura SA (BCJ)?
The net margin of Banque Cantonale Du Jura SA is 16.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Banque Cantonale Du Jura SA (BCJ)?
The return on equity (ROE) of Banque Cantonale Du Jura SA is 3.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Banque Cantonale Du Jura SA (BCJ)?
On an EBIT basis the return on assets of Banque Cantonale Du Jura SA is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Banque Cantonale Du Jura SA (BCJ)?
The operating margin of Banque Cantonale Du Jura SA is 28.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banque Cantonale Du Jura SA (BCJ)?
Revenue at Banque Cantonale Du Jura SA is growing +14.3% versus a year earlier (3y avg +17.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Banque Cantonale Du Jura SA (BCJ)?
Earnings per share at Banque Cantonale Du Jura SA are growing +5.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banque Cantonale Du Jura SA (BCJ) generate?
The free cash flow of Banque Cantonale Du Jura SA is CHF 32.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Banque Cantonale Du Jura SA (BCJ) carry?
The net debt of Banque Cantonale Du Jura SA is CHF 1.4B (fiscal year 2025, ≈ 43.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 8, 2026