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Banco del Bajío, S.A (BBAJF) fair value: what the stock is really worth
As of Aug 27, 2026: fair value of Banco del Bajío, S.A $4.47, price $3.38, upside +32.2%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Broad data
Sep 24, 2026
Broad data
Sep 24, 2026
Banco del Bajío, S.A
BBAJF · USUndervaluedThe stock appears undervalued with acceptable quality.
✓Fair value $4.47 · Undervalued (+32.2%)
✓Quality 62/100
✓Healthy Growth (revenue YoY +62.6 %/yr)
✓Highly profitable · 39.9% net margin (TTM)
✓Moderate debt · generates free cash flow
✓Wide moat 72/100
!The models disagree: range $2.98 to $9.59
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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
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 $0.0014 – $3.38 · fair‑value band $2.98 – $9.59 · the $3.38 price screens below the $4.47 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Company profile
Banco del Bajío, S.A., Institución de Banca Múltiple provides banking products and services in Mexico. The company offers electronic and specialized banking, banking insurance, credits, accounts, foreign exchange, investments, payroll, and credit card services.
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Banco del Bajío, S.A., Institución de Banca Múltiple provides banking products and services in Mexico. The company offers electronic and specialized banking, banking insurance, credits, accounts, foreign exchange, investments, payroll, and credit card services. It also provides agribusiness, level accounts, derivatives, electronic account statement, saving fund, electronic payroll, business package, and protection line services. The company was incorporated in 1994 and is based in León, Mexico.
Stock analysis
Banco del Bajío, S.A (BBAJF) currently trades at $3.38, while our model-based Fair Value estimate is $4.47, implying the stock looks roughly 24.4% undervalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $4.47 per share, and 3 of the 6 models we run sit above the $3.38 price.
Bear case: the Asset-Based group reads lowest at $1.49, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $2.98 (bear) to $9.59 (bull), the price of $3.38 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 62/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Banco del Bajío, S.A reported revenue of 43.7B MXN in FY2025 versus 21.1B MXN in FY2021, a compound +19.9%/yr. Reported net income was 9.1B MXN in FY2025, compounding +17.2%/yr from FY2021.
Key figures
Market cap $4.0B · P/E ratio 7.7 · P/S ratio 1.60 · EPS (TTM) $0.4400 · Net margin 20.8% · Return on equity 17.6% · Return on assets (EBIT) 3.5% · Operating margin 52.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 47% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 32%, BBAJF screens cheaper than that median.
Fair Value models
Bear $2.98
Fair Value $4.47
Bull $9.59
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 ($0.3327 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
$2.58
$3.18
$4.65
75
Gordon GGM
$2.59
$5.17
$7.83
67
DDM Multi-Stage
$2.59
$4.47
$5.46
67
All 6 models by family
Dividend Discount
Gordon GGM
$2.59
$5.17
$7.83
67
DDM Multi-Stage
$2.59
$4.47
$5.46
67
Multiples
P/E Multiple
$4.08
$5.44
$6.80
63
P/B Multiple
$2.33
$3.11
$3.89
55
Asset-Based
NCAV (Graham)
$1.11
$1.49
$2.22
54
Economic Profit
Residual Income
$2.58
$3.18
$4.65
75
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Set up alert →Quality Score breakdown
Overall quality
62/100
Of which business quality 60 · Market factors (momentum, volatility) 82
Profitability
39
Margins and returns on capital today
Quality Growth
43
Are margins and returns improving?
Cashflow
100
Earnings quality: real cash, not paper profit
Fin. Strength
30
Balance sheet, leverage, solvency risk
Investment
71
Disciplined investing over empire-building
Low Volatility
50
Calm price path (market factor)
Momentum
92
Price trend over the last 3–12 months (market factor)
52W Momentum
100
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
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.
100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
What shareholders gained per year (last 5 years), in MXN ⓘ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. Measured in MXN: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+13.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.5%
Dividend (yield on the price)0.0%
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.13.5% vs 19.4%, slowing
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.20% → 28%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−21.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−4.5%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in MXN, Mexico: IMF forecast 3.3% a year to 2030, 4.8% from 2016 to 2025) that is about −24.0% a year for the price and −7.5% for the forecasts.
Forecast 2026 (sales)−41.8%
Forecast 2027 (sales)+9.4%
Projected 2028 (sales)+8.5%
Projected 2029 (sales)+7.6%
Projected 2030 (sales)+6.6%
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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 · 1053 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| 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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Frequently asked questions
Is Banco del Bajío, S.A (BBAJF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $4.47 versus the last price from Aug 27, 2026 of $3.38, about +32% upside (undervalued).
What is the fair value of BBAJF?
Our model-based fair value for Banco del Bajío, S.A is $4.47 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Aug 27, 2026): $3.38.
What is the quality score of BBAJF?
Banco del Bajío, S.A has a Quality Score of 62/100. 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 Banco del Bajío, S.A (BBAJF)?
Our model-based price target is the fair value of $4.47 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $2.98, optimistic scenario $9.59. It is a calculation from audited fundamentals, not an analyst target.
What is the Banco del Bajío, S.A stock forecast for 2026?
Our models put fair value at $4.47, about +32% upside versus the last price from Aug 27, 2026 of $3.38 (undervalued). Cautious scenario $2.98, optimistic scenario $9.59. The calculation is refreshed regularly with new filings.
What is the revenue of Banco del Bajío, S.A (BBAJF)?
Banco del Bajío, S.A reported trailing-twelve-month revenue of about 21.7B MXN (latest available figure, as of Sep 24, 2026).
What growth is priced into Banco del Bajío, S.A (BBAJF)?
For today's price to be fair in a discounted-cash-flow model, Banco del Bajío, S.A would have to grow free cash flow by -21.5 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +14.5 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of BBAJF use?
Our models discount Banco del Bajío, S.A at 8.5 %: a base by market capitalisation (mid), damped by beta 0.17, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Banco del Bajío, S.A that is -21.5 % per year a year over ten years, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has Banco del Bajío, S.A (BBAJF) delivered so far?
Over the past 5 years revenue at Banco del Bajío, S.A grew +14.5 % a year. The price currently implies -21.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Banco del Bajío, S.A (BBAJF) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into Banco del Bajío, S.A (-21.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Banco del Bajío, S.A (BBAJF)?
The free-cash-flow yield on the price is 28.41 %: that much free cash flow Banco del Bajío, S.A produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Banco del Bajío, S.A (BBAJF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banco del Bajío, S.A it is $4.47 per share (as of Sep 24, 2026), against a price of $3.38. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Banco del Bajío, S.A stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BBAJF trades below its calculated fair value: price $3.38, fair value $4.47, a gap of about +32% (undervalued). 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 BBAJF?
No. The price is what the market pays today ($3.38); the fair value is what the company's own numbers justify ($4.47). For Banco del Bajío, S.A the two are $1.09 per share apart. That gap is exactly why we show both numbers side by side.
How much is Banco del Bajío, S.A worth?
The market values Banco del Bajío, S.A at about $4.0B (market capitalisation, as of Sep 24, 2026). Per share that is $3.38; our models calculate a fair value of $4.47 per share.
What do the bullish and bearish scenarios say about BBAJF?
Our models span a range for Banco del Bajío, S.A: cautious scenario $2.98, base $4.47, optimistic $9.59 per share (as of Sep 24, 2026, price $3.38). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BBAJF?
Banco del Bajío, S.A trades at a price-to-earnings ratio of 7.7 (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 $4.47 is built from several models across several years. Other multiples: P/B 1.3, P/S 2.9, EV/EBITDA 4.3.
How solid is the balance sheet of Banco del Bajío, S.A (BBAJF)?
Balance-sheet figures for Banco del Bajío, S.A (as of Sep 24, 2026): return on equity 17.6%, debt of 0.63 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is BBAJF from its 52-week high?
Banco del Bajío, S.A trades at $3.38, at its 52-week high of $3.38 and 47% above the low of $2.30 (as of Aug 27, 2026). Distance from the high says nothing about value: that is what the fair value of $4.47 is for.
Which stocks are comparable to Banco del Bajío, S.A?
From the same area (Financial Services) 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 Banco del Bajío, S.A stock attractive at the current price?
The data as of Sep 24, 2026: price $3.38, calculated fair value $4.47 (+32%), Quality Score 62/100, 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 BBAJF calculated?
We run Banco del Bajío, S.A 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 $4.47, 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. Banco del Bajío, S.A currently trades 24 % below its own fair value, and the market average says nothing about that. 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 Banco del Bajío, S.A (BBAJF)?
The latest price we hold is from Aug 27, 2026 and stands at $3.38. Our model-based fair value is $4.47, about +32% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banco del Bajío, S.A right now?
The model range is unusually wide ($2.98 to $9.59). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (62/100) at a price below fair value, the discount is the argument here, not the business quality. 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 Banco del Bajío, S.A (BBAJF) come from?
Earnings per share at Banco del Bajío, S.A grew +21.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +15.3 %, EBIT margin +6.6 %, tax rate −0.5 %, residual (interest, one-offs) −0.6 %. 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 Banco del Bajío, S.A
How large is the market capitalisation of Banco del Bajío, S.A (BBAJF)?
The market capitalisation of Banco del Bajío, S.A is $4.0B. 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 Banco del Bajío, S.A (BBAJF)?
The price-to-sales ratio of Banco del Bajío, S.A is 1.60 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Banco del Bajío, S.A (BBAJF)?
Earnings per share at Banco del Bajío, S.A are $0.4400 (price ÷ EPS = P/E 7.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Banco del Bajío, S.A (BBAJF)?
The net margin of Banco del Bajío, S.A is 20.8% (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 Banco del Bajío, S.A (BBAJF)?
The return on equity (ROE) of Banco del Bajío, S.A is 17.6% (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 Banco del Bajío, S.A (BBAJF)?
On an EBIT basis the return on assets of Banco del Bajío, S.A is 3.5% (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 Banco del Bajío, S.A (BBAJF)?
The operating margin of Banco del Bajío, S.A is 52.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banco del Bajío, S.A (BBAJF)?
Revenue at Banco del Bajío, S.A is growing −7.5% versus a year earlier (3y avg +13.2%). 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 Banco del Bajío, S.A (BBAJF)?
Earnings per share at Banco del Bajío, S.A are growing −18.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Banco del Bajío, S.A (BBAJF) carry?
The net debt of Banco del Bajío, S.A is 20.7B MXN (fiscal year 2025, ≈ 1.0 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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