BNK Banking Corporation Ltd (BBC) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of BNK Banking Corporation Ltd A$0.54, price A$0.26, upside +107.7%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range A$0.2100 – A$0.6573 · the A$0.2600 price screens below the A$0.5400 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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BNK Banking Corporation Limited provides various retail and commercial banking products and financial services in Australia.
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BNK Banking Corporation Limited provides various retail and commercial banking products and financial services in Australia. The company accepts various deposit products, including savings accounts, term deposits, and business accounts; and provides home and business loans under the Goldfields Money and Better Choice brands to its retail and small business customers through online application. It also offers bank guarantee; cash management accounts; mortgage management services; and aggregation services through mortgage brokers. The company was incorporation in 1982 and is based in Perth, Australia.
Stock analysis
BNK Banking Corporation Ltd (BBC) currently trades at A$0.2600, while our model-based Fair Value estimate is A$0.5400, implying the stock looks roughly 51.9% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of A$0.6900 per share, and 2 of the 4 models we run sit above the A$0.2600 price.
Bear case: the Multiples group reads lowest at A$0.1400, and 2 of the 4 models stay below the price. Evidence for this calculation is low.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
BNK Banking Corporation Ltd reported revenue of A$26.2M in FY2025 versus A$26.2M in FY2021, a compound +0.0%/yr. Reported net income was A$1.3M in FY2025, compounding −31.0%/yr from FY2021.
Key figures
Market cap A$30.9M (≈ $21.7M) · P/E ratio 26.0 · P/S ratio 1.27 · EPS (TTM) A$0.0100 · Net margin 4.9% · Return on equity 1.1% · Return on assets (EBIT) −0.4% · Operating margin 4.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 45 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 24% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 108%, BBC screens cheaper than that median.
Fair Value models
Bear A$0.5400Fair Value A$0.5400Bull A$0.5400
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 12 months old). Earnings retained since then (A$0.0100 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.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.
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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−71.8%
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.
+7.0%
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.
−39.2%
Start year 2020 (pandemic). Over 10 years: +22.9% 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.
+20.3%
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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.
−26.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−26.5%
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.−27% vs 0%, slowing
Profit margin 2017 to 2024 ⓘ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.−15% → −5%
Compare BNK Banking Corporation Ltd with another stock
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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 · 1076 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score59 · Top 25%
Fair Value upside+100% · Top 25%
Profitability
Return on equity (TTM)1% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)5% · Bottom 25%
Operating margin (TTM)5% · Bottom 25%
Growth and dividend
Revenue growth−1% · Bottom 25%
Balance sheet
Debt / equity0.20× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is BNK Banking Corporation Ltd (BBC) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of A$0.5400 versus a price of A$0.2600, about +108% upside (undervalued).
What is the fair value of BBC?
Our model-based fair value for BNK Banking Corporation Ltd is A$0.5400 (as of Sep 23, 2026), built from audited fundamentals. The current price: A$0.2600.
What is the quality score of BBC?
BNK Banking Corporation Ltd has a Quality Score of 57/100. 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 BNK Banking Corporation Ltd (BBC)?
Our model-based price target is the fair value of A$0.5400 (as of Sep 23, 2026) from 4 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the BNK Banking Corporation Ltd stock forecast for 2026?
Our models put fair value at A$0.5400, about +108% upside versus a price of A$0.2600 (undervalued). The calculation is refreshed regularly with new filings.
What is the revenue of BNK Banking Corporation Ltd (BBC)?
BNK Banking Corporation Ltd reported trailing-twelve-month revenue of about A$26.1M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of BNK Banking Corporation Ltd (BBC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BNK Banking Corporation Ltd it is A$0.5400 per share (as of Sep 23, 2026), against a price of A$0.2600. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is BNK Banking Corporation Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, BBC trades below its calculated fair value: price A$0.2600, fair value A$0.5400, a gap of about +108% (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 BBC?
No. The price is what the market pays today (A$0.2600); the fair value is what the company's own numbers justify (A$0.5400). For BNK Banking Corporation Ltd the two are A$0.2800 per share apart. That gap is exactly why we show both numbers side by side.
How much is BNK Banking Corporation Ltd worth?
The market values BNK Banking Corporation Ltd at about A$30.9M (market capitalisation, as of Sep 23, 2026). Per share that is A$0.2600; our models calculate a fair value of A$0.5400 per share.
What is the P/E ratio of BBC?
BNK Banking Corporation Ltd trades at a price-to-earnings ratio of 26.0 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$0.5400 is built from several models across several years. Other multiples: P/B 0.2, P/S 0.9.
How solid is the balance sheet of BNK Banking Corporation Ltd (BBC)?
Balance-sheet figures for BNK Banking Corporation Ltd (as of Sep 23, 2026): return on equity 1.1%, debt of 0.20 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is BBC from its 52-week high?
BNK Banking Corporation Ltd trades at A$0.2600, about 16% below its 52-week high of A$0.3100 and 24% above the low of A$0.2100 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.5400 is for.
Which stocks are comparable to BNK Banking Corporation Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 BNK Banking Corporation Ltd stock attractive at the current price?
The data as of Sep 23, 2026: price A$0.2600, calculated fair value A$0.5400 (+108%), Quality Score 57/100, from 4 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 BBC calculated?
We run BNK Banking Corporation Ltd through 4 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 A$0.5400, 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 13.0 % above its aggregate fair value. BNK Banking Corporation Ltd currently trades 108 % 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 BNK Banking Corporation Ltd (BBC)?
The closing price on Sep 24, 2026 was A$0.2600. Our model-based fair value is A$0.5400, about +108% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BNK Banking Corporation Ltd right now?
The price is below even our cautious bear case (A$0.5400). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (57/100) 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.
Key figures of BNK Banking Corporation Ltd
How large is the market capitalisation of BNK Banking Corporation Ltd (BBC)?
The market capitalisation of BNK Banking Corporation Ltd is A$30.9M (≈ $21.7M). 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 BNK Banking Corporation Ltd (BBC)?
The price-to-sales ratio of BNK Banking Corporation Ltd is 1.27 (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 BNK Banking Corporation Ltd (BBC)?
Earnings per share at BNK Banking Corporation Ltd are A$0.0100 (price ÷ EPS = P/E 26.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of BNK Banking Corporation Ltd (BBC)?
The net margin of BNK Banking Corporation Ltd is 4.9% (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 BNK Banking Corporation Ltd (BBC)?
The return on equity (ROE) of BNK Banking Corporation Ltd is 1.1% (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 BNK Banking Corporation Ltd (BBC)?
On an EBIT basis the return on assets of BNK Banking Corporation Ltd 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 BNK Banking Corporation Ltd (BBC)?
The operating margin of BNK Banking Corporation Ltd is 4.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BNK Banking Corporation Ltd (BBC)?
Revenue at BNK Banking Corporation Ltd is growing −0.5% versus a year earlier (3y avg +7.0%). 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 BNK Banking Corporation Ltd (BBC)?
Earnings per share at BNK Banking Corporation Ltd are growing +29.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does BNK Banking Corporation Ltd (BBC) generate?
The free cash flow of BNK Banking Corporation Ltd is A$444M (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 BNK Banking Corporation Ltd (BBC) carry?
The net debt of BNK Banking Corporation Ltd is A$23.9M (fiscal year 2025, ≈ 0.1 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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