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Banque Cantonale de Geneve (0RMP) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Banque Cantonale de Geneve £32.14, price £33.50, upside -4.1%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Energy · GB · Home Switzerland · ISIN CH1485899350

BC Some data Sep 24, 2026

Banque Cantonale de Geneve

0RMP · LSE

Low PriorityFair Value upside is limited and quality is weak.

·Fair value £32.14 · Fairly valued (−4.1%)
!Quality 45/100
!Expensive Growth (revenue 5y +12.5 %/yr)
✓Highly profitable · 41.6% net margin (TTM)
!negative free cash flow
!2.1% dividend yield · Watch coverage
!Mixed vs. peers (4/9)
✓Wide moat 67/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 28 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

£36.98 £15.88 Fair Value £32.14 Sep 2017 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range £15.88 – £36.98 · fair‑value band £30.59 – £38.82 · the £33.50 price screens above the £32.14 fair value. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Banque Cantonale de Genève SA, together with its subsidiaries, provides a range of banking services in Switzerland and internationally. The company operates through three main business divisions: Individuals & Digital Banking, Corporate Banking & Trade Finance, and Wealth & Asset Management.

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Banque Cantonale de Genève SA, together with its subsidiaries, provides a range of banking services in Switzerland and internationally. The company operates through three main business divisions: Individuals & Digital Banking, Corporate Banking & Trade Finance, and Wealth & Asset Management. The Individuals & Digital Banking division manages a network of agencies and provides retail banking products, including current and savings accounts, mortgages, personal loans, payment cards, and digital banking services. The Corporate Banking & Trade Finance division offers commercial loans, project finance, real estate and construction financing, trade finance solutions, and services to public authorities and financial institutions, as well as commodities trading support. The Wealth & Asset Management division provides discretionary and advisory portfolio management, investment funds, asset management, and wealth solutions tailored for private and institutional clients. It also offers structured products, research, and services for independent wealth managament. In addition, the company engages in investment activities, business valuation and M&A advisory, asset management, private equity investments, and foreign fund representation. The company serves private individuals, small and medium-sized enterprises, large corporates, institutional investors, and public sector entities. The company was founded in 1816 and is headquartered in Geneva, Switzerland.

Stock analysis

Banque Cantonale de Geneve (0RMP) currently trades at £33.50, while our model-based Fair Value estimate is £32.14, so the stock looks roughly fairly valued today (gap 4.2%).

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Valuation

Bull case: the Economic Profit group reads highest at a median of £297.34 per share, and 6 of the 6 models we run sit above the £33.50 price.

Bear case: the Dividend Discount group reads lowest at £84.02, and 0 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: £30.59 (bear) to £38.82 (bull), the price of £33.50 sits inside 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 45/100 (below-average quality), in the Energy sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Banque Cantonale de Geneve reported revenue of £768M in FY2025 versus £468M in FY2021, a compound +13.1%/yr. Reported net income was £221M in FY2025, compounding +15.2%/yr from FY2021.

Key figures

Market cap £270M · P/E ratio 0.0 · EPS (TTM) £17.39 · Dividend yield 2.1% · Net margin 28.8% · Return on equity 9.1% · Return on assets (EBIT) 0.8% · Operating margin 53.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 9% below its 52-week high and 40% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Energy peers we cover trades at −36% fair-value upside, at −4%, 0RMP screens cheaper than that median.

Fair Value models

Bear £30.59 Fair Value £32.14 Bull £38.82
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (£12.62 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income £282.04 £297.34 £334.20 76
Gordon GGM £51.04 £91.97 £126.61 68
DDM Multi-Stage £51.04 £84.02 £98.25 67
All 6 models by family
Dividend Discount
Gordon GGM £51.04 £91.97 £126.61 68
DDM Multi-Stage £51.04 £84.02 £98.25 67
Multiples
P/E Multiple £325.58 £434.10 £542.63 63
P/B Multiple £395.34 £527.12 £658.90 55
Asset-Based
NCAV (Graham) £175.43 £235.07 £350.86 51
Economic Profit
Residual Income £282.04 £297.34 £334.20 76

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Quality Score breakdown

Overall quality 45/100

Of which business quality 46 · Market factors (momentum, volatility) 70

Profitability 33
Margins and returns on capital today
Quality Growth 57
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 72
Balance sheet, leverage, solvency risk
Investment 53
Disciplined investing over empire-building
Low Volatility 94
Calm price path (market factor)
Momentum 52
Price trend over the last 3–12 months (market factor)
52W Momentum 74
Distance to the 52-week high (market factor)
Net Issuance 78
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 54/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−9.8%
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.
+14.3%
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.
+12.5%
Start year 2020 (pandemic). Over 10 years: +6.1% a year
Revenue growth 13 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.
+6.8%
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.
+17.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.8%
Dividend (yield on the price)2.1%
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.15.8% vs 10.8%, picking up
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.29% → 33%
Start year 2020 (pandemic)

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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 · 1052 stocks

Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 51 · Below median
Fair Value upside −4.1% · Above median
Profitability
Return on equity (TTM) 9.1% · Below median
Return on assets 0.7% · Below median
Net margin (TTM) 41.6% · Top 25%
Operating margin (TTM) 53.2% · Top 25%
Growth and dividend
Revenue growth −2.1% · Bottom 25%
Dividend yield (TTM) 2.1% · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 0.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)28 · sector 12
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)36 · sector 41
HEALTH (low debt)0 · sector 84
DIVIDEND (yield)42 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

Oil & gas

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

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DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €79.53 €77.12 −3%
Mizuho Financial Group MFG $11.05 $6.82 −38%
Intesa Sanpaolo S.p.A ISP €6.38 €4.06 −36%
BNP Paribas SA BNP €91.54 €105.99 +16%
HDFC Bank Limited HDFCBANK ₹721.20 ₹406.44 −44%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
Al Rajhi Banking and Investment Corporation 1120 63.15 SAR 36.95 SAR −41%
CaixaBank, S.A CABK €12.03 €8.46 −30%

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Banque Cantonale de Geneve · Fair Value
£32.14 −4%Fair Value
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Cite: Fair Value Calculator (2026). "Banque Cantonale de Geneve Fair Value". https://www.fairvalue-calculator.com/stock/0RMP

Frequently asked questions

Is Banque Cantonale de Geneve (0RMP) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of £32.14 versus a price of £33.50, about −4% upside (fairly valued).
What is the fair value of 0RMP?
Our model-based fair value for Banque Cantonale de Geneve is £32.14 (as of Sep 24, 2026), built from audited fundamentals. The current price: £33.50.
What is the quality score of 0RMP?
Banque Cantonale de Geneve has a Quality Score of 45/100. 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 de Geneve (0RMP)?
Our model-based price target is the fair value of £32.14 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario £30.59, optimistic scenario £38.82. It is a calculation from audited fundamentals, not an analyst target.
What is the Banque Cantonale de Geneve stock forecast for 2026?
Our models put fair value at £32.14, about −4% upside versus a price of £33.50 (fairly valued). Cautious scenario £30.59, optimistic scenario £38.82. The calculation is refreshed regularly with new filings.
What is the revenue of Banque Cantonale de Geneve (0RMP)?
Banque Cantonale de Geneve reported trailing-twelve-month revenue of about £531M (latest available figure, as of Sep 24, 2026).
Does Banque Cantonale de Geneve pay a dividend?
Banque Cantonale de Geneve currently shows a dividend yield of about 2.09% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Banque Cantonale de Geneve (0RMP)?
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 de Geneve it is £32.14 per share (as of Sep 24, 2026), against a price of £33.50. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Banque Cantonale de Geneve stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0RMP trades above its calculated fair value: price £33.50, fair value £32.14, a gap of about −4% (fairly valued). 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 0RMP?
No. The price is what the market pays today (£33.50); the fair value is what the company's own numbers justify (£32.14). For Banque Cantonale de Geneve the two are £1.36 per share apart. That gap is exactly why we show both numbers side by side.
How much is Banque Cantonale de Geneve worth?
The market values Banque Cantonale de Geneve at about £270M (market capitalisation, as of Sep 24, 2026). Per share that is £33.50; our models calculate a fair value of £32.14 per share.
What do the bullish and bearish scenarios say about 0RMP?
Our models span a range for Banque Cantonale de Geneve: cautious scenario £30.59, base £32.14, optimistic £38.82 per share (as of Sep 24, 2026, price £33.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0RMP?
Banque Cantonale de Geneve trades at a price-to-earnings ratio of 0.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £32.14 is built from several models across several years.
How solid is the balance sheet of Banque Cantonale de Geneve (0RMP)?
Balance-sheet figures for Banque Cantonale de Geneve (as of Sep 24, 2026): return on equity 9.1%. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is 0RMP from its 52-week high?
Banque Cantonale de Geneve trades at £33.50, about 9% below its 52-week high of £36.98 and 40% above the low of £24.00 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of £32.14 is for.
Which stocks are comparable to Banque Cantonale de Geneve?
From the same area (Energy) we also value DBS Group, China Merchants Bank Co, 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 de Geneve stock attractive at the current price?
The data as of Sep 24, 2026: price £33.50, calculated fair value £32.14 (−4%), Quality Score 45/100, 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 0RMP calculated?
We run Banque Cantonale de Geneve through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £32.14, 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 14.5 % above its aggregate fair value. Banque Cantonale de Geneve 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 de Geneve (0RMP)?
The closing price on Oct 2, 2026 was £33.50. Our model-based fair value is £32.14, about −4% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banque Cantonale de Geneve right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Where does the earnings growth of Banque Cantonale de Geneve (0RMP) come from?
Earnings per share at Banque Cantonale de Geneve grew +12.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.2 %, EBIT margin +5.2 %, tax rate +0.9 %, residual (interest, one-offs) −1.2 %. 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 de Geneve

How large is the market capitalisation of Banque Cantonale de Geneve (0RMP)?
The market capitalisation of Banque Cantonale de Geneve is £270M. 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 are the earnings per share of Banque Cantonale de Geneve (0RMP)?
Earnings per share at Banque Cantonale de Geneve are £17.39 (price ÷ EPS = P/E 0.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banque Cantonale de Geneve (0RMP)?
The dividend yield of Banque Cantonale de Geneve is 2.1% (payout 4.0%). 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 de Geneve (0RMP)?
The net margin of Banque Cantonale de Geneve is 28.8% (fiscal year 2025). 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 de Geneve (0RMP)?
The return on equity (ROE) of Banque Cantonale de Geneve is 9.1% (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 de Geneve (0RMP)?
On an EBIT basis the return on assets of Banque Cantonale de Geneve is 0.8% (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 de Geneve (0RMP)?
The operating margin of Banque Cantonale de Geneve is 53.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banque Cantonale de Geneve (0RMP)?
Revenue at Banque Cantonale de Geneve is growing −2.1% versus a year earlier (3y avg +14.3%). 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 de Geneve (0RMP)?
Earnings per share at Banque Cantonale de Geneve are growing +33.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banque Cantonale de Geneve (0RMP) generate?
The free cash flow of Banque Cantonale de Geneve is −£747M (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 de Geneve (0RMP) carry?
The net debt of Banque Cantonale de Geneve is £3.0B (fiscal year 2025). 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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