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

As of Sep 23, 2026: fair value of Banque Cantonale de Geneve CHF 33.37, price CHF 33.50, upside -0.4%, quality 38 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
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Financial Services · CH · ISIN CH0350494719

BC Broad data Sep 23, 2026

Banque Cantonale de Geneve

BCGE · SW

Low PriorityFair Value upside is limited and quality is weak.

·Fair value CHF 33.37 · Fairly valued (0%)
!Quality 38/100
!Expensive Growth (revenue 5y +11.9 %/yr)
✓Highly profitable · 41.6% net margin (TTM)
!High debt · negative free cash flow
·2.09% dividend yield
!Trails peers (4/13)
✓Wide moat 65/100
!Insider activity 40/100
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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

CHF 36.16 CHF 14.12 Fair Value CHF 33.37 Jun 2021 Sep 2026

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 CHF 14.12 – CHF 36.16 · fair‑value band CHF 30.36 – CHF 50.07 · the CHF 33.50 price screens above the CHF 33.37 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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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 (BCGE) currently trades at CHF 33.50, while our model-based Fair Value estimate is CHF 33.37, implying the stock looks roughly 0.4% fairly valued today.

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Valuation

Bull case: the Multiples group reads highest at a median of CHF 40.11 per share, and 2 of the 6 models we run sit above the CHF 33.50 price.

Bear case: the Dividend Discount group reads lowest at CHF 8.87, and 4 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: CHF 30.36 (bear) to CHF 50.07 (bull), the price of CHF 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 38/100 (below-average quality), in the Financial Services sector.

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

Banque Cantonale de Geneve reported revenue of CHF 746M in FY2025 versus CHF 468M in FY2021, a compound +12.4%/yr. Reported net income was CHF 221M in FY2025, compounding +15.2%/yr from FY2021.

Key figures

Market cap CHF 2.4B · P/E ratio 12.0 · P/S ratio 3.55 · EPS (TTM) CHF 2.79 · Dividend yield 2.1% · Net margin 29.6% · Return on equity 9.1% · Return on assets (EBIT) 0.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 44% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 0%, BCGE screens cheaper than that median.

Fair Value models

Bear CHF 30.36 Fair Value CHF 33.37 Bull CHF 50.07
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 (CHF 1.53 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.
Highest evidence
Residual Income CHF 29.23 CHF 31.62 CHF 39.13 76
Gordon GGM CHF 5.74 CHF 11.44 CHF 17.32 67
DDM Multi-Stage CHF 5.74 CHF 8.87 CHF 12.04 66
All 6 models by family
Dividend Discount
Gordon GGM CHF 5.74 CHF 11.44 CHF 17.32 67
DDM Multi-Stage CHF 5.74 CHF 8.87 CHF 12.04 66
Multiples
P/E Multiple CHF 30.08 CHF 40.11 CHF 50.14 63
P/B Multiple CHF 36.66 CHF 48.88 CHF 61.10 55
Asset-Based
NCAV (Graham) CHF 17.46 CHF 23.39 CHF 34.91 54
Economic Profit
Residual Income CHF 29.23 CHF 31.62 CHF 39.13 76

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Quality Score breakdown

Overall quality 38/100

Of which business quality 44 · Market factors (momentum, volatility) 75

Profitability 33
Margins and returns on capital today
Quality Growth 40
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 72
Balance sheet, leverage, solvency risk
Investment 52
Disciplined investing over empire-building
Low Volatility 96
Calm price path (market factor)
Momentum 57
Price trend over the last 3–12 months (market factor)
52W Momentum 81
Distance to the 52-week high (market factor)
Net Issuance 79
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. 58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+27.5%
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.
+13.2%
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.
+11.9%
Start year 2020 (pandemic). Over 10 years: +8.0% 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.
+4.7%
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.16% vs 11%, 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% → 34%
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 · 1074 stocks

Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 47 · Below median
Fair Value upside 0% · Above median
Profitability
Return on equity (TTM) 9% · Below median
Return on assets 1% · Below median
Net margin (TTM) 42% · Top 25%
Operating margin (TTM) 53% · Top 25%
Growth and dividend
Revenue growth −2% · Bottom 25%
Dividend yield (TTM) 2.1% · Below median
Balance sheet
Debt / equity 2.14× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 12.0× · Pricier than median
P/B 1.16× · Pricier than median
P/S (TTM) 5.48× · Priciest 25%
EV/EBITDA 2.7× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)33 · sector 11
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)36 · sector 41
HEALTH (low debt)0 · sector 85
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.

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 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Banque Cantonale de Geneve · Fair Value
CHF 33.37 −0%Fair Value
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Cite: Fair Value Calculator (2026). "Banque Cantonale de Geneve Fair Value". https://www.fairvalue-calculator.com/stock/BCGE

Frequently asked questions

Is Banque Cantonale de Geneve (BCGE) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of CHF 33.37 versus a price of CHF 33.50, about −0% upside (fairly valued).
What is the fair value of BCGE?
Our model-based fair value for Banque Cantonale de Geneve is CHF 33.37 (as of Sep 23, 2026), built from audited fundamentals. The current price: CHF 33.50.
What is the quality score of BCGE?
Banque Cantonale de Geneve has a Quality Score of 38/100. 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 (BCGE)?
Our model-based price target is the fair value of CHF 33.37 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario CHF 30.36, optimistic scenario CHF 50.07. 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 CHF 33.37, about −0% upside versus a price of CHF 33.50 (fairly valued). Cautious scenario CHF 30.36, optimistic scenario CHF 50.07. The calculation is refreshed regularly with new filings.
What is the revenue of Banque Cantonale de Geneve (BCGE)?
Banque Cantonale de Geneve reported trailing-twelve-month revenue of about CHF 531M (latest available figure, as of Sep 23, 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 23, 2026).
What is the intrinsic value of Banque Cantonale de Geneve (BCGE)?
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 CHF 33.37 per share (as of Sep 23, 2026), against a price of CHF 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 23, 2026, BCGE trades above its calculated fair value: price CHF 33.50, fair value CHF 33.37, a gap of about −0% (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 BCGE?
No. The price is what the market pays today (CHF 33.50); the fair value is what the company's own numbers justify (CHF 33.37). For Banque Cantonale de Geneve the two are CHF 0.1300 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 CHF 2.4B (market capitalisation, as of Sep 23, 2026). Per share that is CHF 33.50; our models calculate a fair value of CHF 33.37 per share.
What do the bullish and bearish scenarios say about BCGE?
Our models span a range for Banque Cantonale de Geneve: cautious scenario CHF 30.36, base CHF 33.37, optimistic CHF 50.07 per share (as of Sep 23, 2026, price CHF 33.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BCGE?
Banque Cantonale de Geneve trades at a price-to-earnings ratio of 12.0 (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 CHF 33.37 is built from several models across several years. Other multiples: P/B 1.2, P/S 5.5, EV/EBITDA 2.7.
How solid is the balance sheet of Banque Cantonale de Geneve (BCGE)?
Balance-sheet figures for Banque Cantonale de Geneve (as of Sep 23, 2026): return on equity 9.1%, debt of 2.14 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is BCGE from its 52-week high?
Banque Cantonale de Geneve trades at CHF 33.50, about 7% below its 52-week high of CHF 36.16 and 44% above the low of CHF 23.22 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of CHF 33.37 is for.
Which stocks are comparable to Banque Cantonale de Geneve?
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 Banque Cantonale de Geneve stock attractive at the current price?
The data as of Sep 23, 2026: price CHF 33.50, calculated fair value CHF 33.37 (−0%), Quality Score 38/100, 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 BCGE 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 CHF 33.37, 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 14.1 % 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 (BCGE)?
The closing price on Sep 23, 2026 was CHF 33.50. Our model-based fair value is CHF 33.37, about −0% 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. 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 de Geneve (BCGE) come from?
Earnings per share at Banque Cantonale de Geneve grew +8.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +2.8 %, EBIT margin +5.5 %, tax rate +0.9 %, residual (interest, one-offs) −1.1 %. 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 (BCGE)?
The market capitalisation of Banque Cantonale de Geneve is CHF 2.4B. 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 de Geneve (BCGE)?
The price-to-sales ratio of Banque Cantonale de Geneve is 3.55 (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 Banque Cantonale de Geneve (BCGE)?
Earnings per share at Banque Cantonale de Geneve are CHF 2.79 (price ÷ EPS = P/E 12.0). 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 (BCGE)?
The dividend yield of Banque Cantonale de Geneve is 2.1% (payout 25.1%). 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 (BCGE)?
The net margin of Banque Cantonale de Geneve is 29.6% (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 (BCGE)?
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 (BCGE)?
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 (BCGE)?
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 (BCGE)?
Revenue at Banque Cantonale de Geneve is growing −2.1% 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 Banque Cantonale de Geneve (BCGE)?
Earnings per share at Banque Cantonale de Geneve are growing −9.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banque Cantonale de Geneve (BCGE) generate?
The free cash flow of Banque Cantonale de Geneve is −CHF 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 (BCGE) carry?
The net debt of Banque Cantonale de Geneve is CHF 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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