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BKS Bank AG (BKS) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of BKS Bank AG €34.30, price €21.80, upside +57.3%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · AT · ISIN AT0000624705

BB Some data Sep 23, 2026

BKS Bank AG

BKS · VI

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

✓Fair value €34.30 · Strongly undervalued (+57%)
!Quality 43/100
!Expensive Growth (revenue 5y +7.9 %/yr)
✓Highly profitable · 43.3% net margin (TTM)
!Low debt · negative free cash flow
·2.29% dividend yield
!Mixed vs. peers (6/13)
!Moderate moat 62/100
!Evidence only medium, so the estimate is less certain
!Weak on past: 28 out of 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

€21.80 €11.67 Fair Value €34.30 Jul 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 €11.67 – €21.80 · fair‑value band €33.79 – €44.90 · the €21.80 price screens below the €34.30 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

BKS Bank AG, together with its subsidiaries, provides various banking products and services in Austria and internationally. It operates through Corporate Clients, Private Clients, Financial Markets, and Other segments. The company offers savings and business accounts; and debit and credit cards.

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BKS Bank AG, together with its subsidiaries, provides various banking products and services in Austria and internationally. It operates through Corporate Clients, Private Clients, Financial Markets, and Other segments. The company offers savings and business accounts; and debit and credit cards. It also provides home and renovation, education and future, and energy and future loans, as well as car leasing, consumer credit, and silver credit; depots; investment products, such as fund savings, bank bonds, bank investment mix, precious metals, and investment fund services; and insurance products. In addition, the company offers equipment and real estate leasing; brokerage services; export financing, payment and performance protection, and currency hedging services; payment systems; and advice services, individual asset management, and transfer of assets. The company was founded in 1922 and is headquartered in Klagenfurt, Austria.

Stock analysis

BKS Bank AG (BKS) currently trades at €21.80, while our model-based Fair Value estimate is €34.30, implying the stock looks roughly 36.4% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of €40.95 per share, and 4 of the 6 models we run sit above the €21.80 price.

Bear case: the Dividend Discount group reads lowest at €4.76, and 2 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: €33.79 (bear) to €44.90 (bull), the price of €21.80 sits below 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 43/100 (below-average quality), in the Financial Services sector.

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

BKS Bank AG reported revenue of €314M in FY2025 versus €187M in FY2021, a compound +13.8%/yr. Reported net income was €144M in FY2025, compounding +16.6%/yr from FY2021.

Key figures

Market cap €997M · P/E ratio 7.1 · P/S ratio 3.23 · EPS (TTM) €3.09 · Dividend yield 2.3% · Net margin 45.8% · Return on equity 6.9% · Return on assets (EBIT) 0.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 31% 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 57%, BKS screens cheaper than that median.

Fair Value models

Bear €33.79 Fair Value €34.30 Bull €44.90
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 (€1.89 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 €34.17 €34.86 €34.42 76
Gordon GGM €3.11 €5.60 €7.71 68
DDM Multi-Stage €3.11 €4.76 €5.98 67
All 6 models by family
Dividend Discount
Gordon GGM €3.11 €5.60 €7.71 68
DDM Multi-Stage €3.11 €4.76 €5.98 67
Multiples
P/E Multiple €30.71 €40.95 €51.19 63
P/B Multiple €40.16 €53.55 €66.94 55
Asset-Based
NCAV (Graham) €22.56 €30.23 €45.12 54
Economic Profit
Residual Income €34.17 €34.86 €34.42 76

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Quality Score breakdown

Overall quality 43/100

Of which business quality 35 · Market factors (momentum, volatility) 75

Profitability 33
Margins and returns on capital today
Quality Growth 52
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 19
Balance sheet, leverage, solvency risk
Investment 75
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 54
Price trend over the last 3–12 months (market factor)
52W Momentum 82
Distance to the 52-week high (market factor)
Net Issuance 68
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. 43/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−2.3%
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.
+15.3%
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.
+7.9%
Start year 2020 (pandemic). Over 10 years: +6.2% a year
Revenue growth 10 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.
+6.2%
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.
+13.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.3%
Dividend (yield on the price)2.3%
Profit margin 2015 to 2018 ⓘ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.35% → 47%

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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 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 43 · Bottom 25%
Fair Value upside +57% · Top 25%
Profitability
Return on equity (TTM) 7% · Below median
Return on assets 1% · Above median
Net margin (TTM) 43% · Top 25%
Operating margin (TTM) 46% · Above median
Growth and dividend
Revenue growth −6% · Bottom 25%
Dividend yield (TTM) 2.3% · Below median
Balance sheet
Debt / equity 0.50× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 7.1× · Cheapest 25%
P/B 0.55× · Cheapest 25%
P/S (TTM) 3.50× · Pricier than median
PEG 1.97× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 12
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)28 · sector 41
HEALTH (low debt)75 · sector 85
DIVIDEND (yield)46 · 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 77.80 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.65 HK$64.29 +24%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹738.60 ₹418.52 −43%
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 ₹636.31 −53%
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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BKS Bank AG · Fair Value
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Cite: Fair Value Calculator (2026). "BKS Bank AG Fair Value". https://www.fairvalue-calculator.com/stock/BKS

Frequently asked questions

Is BKS Bank AG (BKS) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €34.30 versus a price of €21.80, about +57% upside (undervalued).
What is the fair value of BKS?
Our model-based fair value for BKS Bank AG is €34.30 (as of Sep 23, 2026), built from audited fundamentals. The current price: €21.80.
What is the quality score of BKS?
BKS Bank AG has a Quality Score of 43/100. 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 BKS Bank AG (BKS)?
Our model-based price target is the fair value of €34.30 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario €33.79, optimistic scenario €44.90. It is a calculation from audited fundamentals, not an analyst target.
What is the BKS Bank AG stock forecast for 2026?
Our models put fair value at €34.30, about +57% upside versus a price of €21.80 (undervalued). Cautious scenario €33.79, optimistic scenario €44.90. The calculation is refreshed regularly with new filings.
What is the revenue of BKS Bank AG (BKS)?
BKS Bank AG reported trailing-twelve-month revenue of about €324M (latest available figure, as of Sep 23, 2026).
Does BKS Bank AG pay a dividend?
BKS Bank AG currently shows a dividend yield of about 2.29% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of BKS Bank AG (BKS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BKS Bank AG it is €34.30 per share (as of Sep 23, 2026), against a price of €21.80. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is BKS Bank AG stock overvalued or undervalued in 2026?
As of Sep 23, 2026, BKS trades below its calculated fair value: price €21.80, fair value €34.30, a gap of about +57% (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 BKS?
No. The price is what the market pays today (€21.80); the fair value is what the company's own numbers justify (€34.30). For BKS Bank AG the two are €12.50 per share apart. That gap is exactly why we show both numbers side by side.
How much is BKS Bank AG worth?
The market values BKS Bank AG at about €997M (market capitalisation, as of Sep 23, 2026). Per share that is €21.80; our models calculate a fair value of €34.30 per share.
What do the bullish and bearish scenarios say about BKS?
Our models span a range for BKS Bank AG: cautious scenario €33.79, base €34.30, optimistic €44.90 per share (as of Sep 23, 2026, price €21.80). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BKS?
BKS Bank AG trades at a price-to-earnings ratio of 7.1 (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 €34.30 is built from several models across several years. Other multiples: PEG 2.0, P/B 0.6, P/S 3.5.
What is the PEG ratio of BKS?
The PEG ratio of BKS Bank AG is 1.97 (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 BKS Bank AG (BKS)?
Balance-sheet figures for BKS Bank AG (as of Sep 23, 2026): return on equity 6.9%, debt of 0.50 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is BKS from its 52-week high?
BKS Bank AG trades at €21.80, at its 52-week high of €21.80 and 31% above the low of €16.70 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of €34.30 is for.
Which stocks are comparable to BKS Bank AG?
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 BKS Bank AG stock attractive at the current price?
The data as of Sep 23, 2026: price €21.80, calculated fair value €34.30 (+57%), Quality Score 43/100, 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 BKS calculated?
We run BKS Bank AG 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 €34.30, 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. BKS Bank AG currently trades 57 % 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 BKS Bank AG (BKS)?
The closing price on Sep 23, 2026 was €21.80. Our model-based fair value is €34.30, about +57% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BKS Bank AG right now?
The large discount to fair value meets weak quality (43/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (€33.79). The market is more pessimistic than our downside scenario. 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 BKS Bank AG

How large is the market capitalisation of BKS Bank AG (BKS)?
The market capitalisation of BKS Bank AG is €997M. 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 BKS Bank AG (BKS)?
The price-to-sales ratio of BKS Bank AG is 3.23 (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 BKS Bank AG (BKS)?
Earnings per share at BKS Bank AG are €3.09 (price ÷ EPS = P/E 7.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of BKS Bank AG (BKS)?
The dividend yield of BKS Bank AG is 2.3% (payout 16.2%). 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 BKS Bank AG (BKS)?
The net margin of BKS Bank AG is 45.8% (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 BKS Bank AG (BKS)?
The return on equity (ROE) of BKS Bank AG is 6.9% (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 BKS Bank AG (BKS)?
On an EBIT basis the return on assets of BKS Bank AG is 0.9% (avg 4y). 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 BKS Bank AG (BKS)?
The operating margin of BKS Bank AG is 45.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BKS Bank AG (BKS)?
Revenue at BKS Bank AG is growing −5.9% versus a year earlier (3y avg +15.3%). 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 BKS Bank AG (BKS)?
Earnings per share at BKS Bank AG are growing −17.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does BKS Bank AG (BKS) generate?
The free cash flow of BKS Bank AG is −€542M (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 BKS Bank AG (BKS) carry?
The net debt of BKS Bank AG is €789M (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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