Banque Cantonale Du Jura SA (BCJ) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Banque Cantonale Du Jura SA CHF 61.29, price CHF 78.50, upside -21.9%, quality 55 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 CHF 37.40 – CHF 105.76 · fair‑value band CHF 45.97 – CHF 76.62 · the CHF 78.50 price screens above the CHF 61.29 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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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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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. 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 78.50, while our model-based Fair Value estimate is CHF 61.29, implying the stock looks roughly 28.1% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of CHF 76.27 per share, and 0 of the 6 models we run sit above the CHF 78.50 price.
Bear case: the Dividend Discount group reads lowest at CHF 20.47, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: CHF 45.97 (bear) to CHF 76.62 (bull), the price of CHF 78.50 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 55/100 (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 235M · P/E ratio 19.1 · P/S ratio 2.76 · EPS (TTM) CHF 4.11 · Dividend yield 2.6% · Net margin 14.5% · Return on equity 3.6% · Return on assets (EBIT) 0.4%.
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 26% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −22%, BCJ screens cheaper than that median.
Fair Value models
Bear CHF 45.97Fair Value CHF 61.29Bull CHF 76.62
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 1.51 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.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% vs 3%, 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%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
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).
+18.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Switzerland: IMF forecast 0.6% a year to 2030, 0.8% from 2016 to 2025) that is about +17.5% a year for the price.
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 · 1076 stocks
Beats the industry median on 4/15 measures
Overall it trails its industry peers.
Valuation
Quality Score62 · Top 25%
Fair Value upside−22% · Below median
Profitability
Return on equity (TTM)4% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)16% · Bottom 25%
Operating margin (TTM)29% · Below median
Growth and dividend
Revenue growth14% · Above median
Dividend yield (TTM)2.6% · Below median
Balance sheet
Debt / equity3.61× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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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 Sep 23, 2026, our model estimates a fair value of CHF 61.29 versus a price of CHF 78.50, about −22% upside (overvalued).
What is the fair value of BCJ?
Our model-based fair value for Banque Cantonale Du Jura SA is CHF 61.29 (as of Sep 23, 2026), built from audited fundamentals. The current price: CHF 78.50.
What is the quality score of BCJ?
Banque Cantonale Du Jura SA has a Quality Score of 55/100. 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 61.29 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario CHF 45.97, optimistic scenario CHF 76.62. 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 61.29, about −22% upside versus a price of CHF 78.50 (overvalued). Cautious scenario CHF 45.97, optimistic scenario CHF 76.62. 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 Sep 23, 2026).
Does Banque Cantonale Du Jura SA pay a dividend?
Banque Cantonale Du Jura SA currently shows a dividend yield of about 2.61% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Banque Cantonale Du Jura SA (BCJ)?
For today's price to be fair in a discounted-cash-flow model, Banque Cantonale Du Jura SA would have to grow free cash flow by +18.2 % per year for five years (discount rate 11.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +13.6 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of BCJ use?
Our models discount Banque Cantonale Du Jura SA at 11.0 %: a base by market capitalisation (micro), damped by beta 0.04, country premium for Switzerland. 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 Banque Cantonale Du Jura SA that is +18.2 % per year a year over ten years, using the same discount rate (11.0 %) and the same formula as our fair value.
How much growth has Banque Cantonale Du Jura SA (BCJ) delivered so far?
Over the past 5 years revenue at Banque Cantonale Du Jura SA grew +13.6 % a year. The price currently implies +18.2 % 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 Banque Cantonale Du Jura SA (BCJ) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Banque Cantonale Du Jura SA (+18.2 % 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 Banque Cantonale Du Jura SA (BCJ)?
The free-cash-flow yield on the price is 13.80 %: that much free cash flow Banque Cantonale Du Jura SA produces per unit of market value. When it exceeds the discount rate of our models (11.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 61.29 per share (as of Sep 23, 2026), against a price of CHF 78.50. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Banque Cantonale Du Jura SA stock overvalued or undervalued in 2026?
As of Sep 23, 2026, BCJ trades above its calculated fair value: price CHF 78.50, fair value CHF 61.29, 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 78.50); the fair value is what the company's own numbers justify (CHF 61.29). For Banque Cantonale Du Jura SA the two are CHF 17.21 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 235M (market capitalisation, as of Sep 23, 2026). Per share that is CHF 78.50; our models calculate a fair value of CHF 61.29 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 45.97, base CHF 61.29, optimistic CHF 76.62 per share (as of Sep 23, 2026, price CHF 78.50). 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 19.1 (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 61.29 is built from several models across several years. Other multiples: PEG 11.1, P/B 0.8, P/S 3.8, EV/EBITDA 48.5.
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 Sep 23, 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 Sep 23, 2026): return on equity 3.6%, debt of 3.61 per unit of equity. They feed the Quality Score of 55/100, 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 78.50, about 26% below its 52-week high of CHF 105.76 and 27% above the low of CHF 61.70 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of CHF 61.29 is for.
Which stocks are comparable to Banque Cantonale Du Jura SA?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Sep 23, 2026: price CHF 78.50, calculated fair value CHF 61.29 (−22%), Quality Score 55/100, 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 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 61.29, 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 14.0 % 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 Sep 24, 2026 was CHF 78.50. Our model-based fair value is CHF 61.29, about −22% upside (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 76.62). The favourable scenario is already priced in. Solid but not exceptional quality (55/100) 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 235M. 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 2.76 (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 Du Jura SA (BCJ)?
Earnings per share at Banque Cantonale Du Jura SA are CHF 4.11 (price ÷ EPS = P/E 19.1). 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 14.5% (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 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 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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