Banque Cantonale du Jura SA (BCJ) Fair Value & Analysis
Financial Services · CH · Market cap CHF 239M
Fair value as of: Jul 20, 2026
From 6 valuation models · updated 21 days ago
Share price −3.7% over the past month.
A solid business, but screening 32% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (CHF 66.69). 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 20, 2026.
How to read this chart
60‑month range CHF 37.40 – CHF 105.76 · fair‑value band CHF 40.01 – CHF 66.69 · the CHF 78.00 price screens above the CHF 53.35 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 20, 2026.
Analysis
Banque Cantonale du Jura SA (BCJ) currently trades at CHF 78.00, while our model-based Fair Value estimate is CHF 53.35, implying the stock looks roughly 31.6% overvalued today. The Quality Score stands at 55/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Banque Cantonale du Jura SA generated revenue of CHF 69.9M at a net margin of 17.6%. Revenue grew 4.4% year over year. It earns a return on equity of 6.7%. Net debt stands at CHF 1.4B. Fundamentals as of Jul 20, 2026
Our scenario range runs from CHF 40.01 (bear case) to CHF 66.69 (bull case); at CHF 78.00, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 27% below its 52-week high and 46% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -32%, BCJ screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Asset-Based (CHF 76.27) versus Dividend Discount (CHF 17.92). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 20, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 61 · Market factors (momentum, volatility) 54
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
of which total revenue +6.2 pp · buybacks/dilution +0.0 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
BCJ screens 32% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1082 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 20, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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