BNK.TO (BNK) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of BNK.TO C$29.38, price C$14.38, upside +104.3%, quality 73 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 C$4.17 – C$16.00 · fair‑value band C$18.58 – C$117.52 · the C$14.38 price screens below the C$29.38 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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Big Banc Split Corp. is an equity fund launched and managed by Purpose Investments Inc. The fund invests in the public equity markets of Canada. Big Banc Split Corp. was formed on May 15, 2020 and is based in Canada.
Stock analysis
BNK.TO (BNK) currently trades at C$14.38, while our model-based Fair Value estimate is C$29.38, implying the stock looks roughly 51.1% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of C$170.70 per share, and 7 of the 8 models we run sit above the C$14.38 price.
Bear case: the Asset-Based group reads lowest at C$7.95, and 1 of the 8 models stay below the price. Evidence for this calculation is medium.
Scenario range: C$18.58 (bear) to C$117.52 (bull), the price of C$14.38 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 73/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
BNK.TO reported revenue of C$8.1M in FY2025 versus C$13.4M in FY2021, a compound −11.7%/yr. Reported net income was C$9.4M in FY2025, compounding −8.2%/yr from FY2021.
Key figures
Market cap C$28.4M (≈ $20.1M) · P/E ratio 7.2 · P/S ratio 8.36 · EPS (TTM) C$1.99 · Dividend yield 6.8% · Net margin 116% · Return on assets (EBIT) 12.8% · Free cash flow −C$263K.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 38% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −4% fair-value upside, at 104%, BNK screens cheaper than that median.
Fair Value models
Bear C$18.58Fair Value C$29.38Bull C$117.52
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 (C$1.46 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.19/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+59.8%
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.
+1.8%
Start year 2020 (pandemic)
’20
’21
’23
’24
’25
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+21.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.4%
Dividend (yield on the price)6.8%
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.71% → 116%
2025 sits 229% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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.Asset Management · 657 stocks
Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score73 · Top 25%
Fair Value upside+104% · Top 25%
Profitability
Return on assets0% · Below median
Net margin (TTM)116% · Top 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Below median
Dividend yield (TTM)6.8% · Above median
Valuation Multiplesvs Asset Management median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "BNK.TO Fair Value". https://www.fairvalue-calculator.com/stock/BNK
Frequently asked questions
Is BNK.TO (BNK) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of C$29.38 versus a price of C$14.38, about +104% upside (undervalued).
What is the fair value of BNK?
Our model-based fair value for BNK.TO is C$29.38 (as of Sep 23, 2026), built from audited fundamentals. The current price: C$14.38.
What is the quality score of BNK?
BNK.TO has a Quality Score of 73/100. 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.TO (BNK)?
Our model-based price target is the fair value of C$29.38 (as of Sep 23, 2026) from 8 valuation models. Cautious scenario C$18.58, optimistic scenario C$117.52. It is a calculation from audited fundamentals, not an analyst target.
What is the BNK.TO stock forecast for 2026?
Our models put fair value at C$29.38, about +104% upside versus a price of C$14.38 (undervalued). Cautious scenario C$18.58, optimistic scenario C$117.52. The calculation is refreshed regularly with new filings.
Does BNK.TO pay a dividend?
BNK.TO currently shows a dividend yield of about 6.78% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of BNK.TO (BNK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BNK.TO it is C$29.38 per share (as of Sep 23, 2026), against a price of C$14.38. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is BNK.TO stock overvalued or undervalued in 2026?
As of Sep 23, 2026, BNK trades below its calculated fair value: price C$14.38, fair value C$29.38, a gap of about +104% (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 BNK?
No. The price is what the market pays today (C$14.38); the fair value is what the company's own numbers justify (C$29.38). For BNK.TO the two are C$15.00 per share apart. That gap is exactly why we show both numbers side by side.
How much is BNK.TO worth?
The market values BNK.TO at about C$28.4M (market capitalisation, as of Sep 23, 2026). Per share that is C$14.38; our models calculate a fair value of C$29.38 per share.
What do the bullish and bearish scenarios say about BNK?
Our models span a range for BNK.TO: cautious scenario C$18.58, base C$29.38, optimistic C$117.52 per share (as of Sep 23, 2026, price C$14.38). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BNK?
BNK.TO trades at a price-to-earnings ratio of 7.2 (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 C$29.38 is built from several models across several years. Other multiples: P/B 0.9, EV/EBITDA 1.9.
How far is BNK from its 52-week high?
BNK.TO trades at C$14.38, about 10% below its 52-week high of C$16.00 and 38% above the low of C$10.42 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of C$29.38 is for.
Which stocks are comparable to BNK.TO?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Corporation, KKR & Co, Apollo Global Management, Inc, 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.TO stock attractive at the current price?
The data as of Sep 23, 2026: price C$14.38, calculated fair value C$29.38 (+104%), Quality Score 73/100, from 8 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 BNK calculated?
We run BNK.TO through 8 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 C$29.38, 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.TO currently trades 104 % 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.TO (BNK)?
The closing price on Sep 23, 2026 was C$14.38. Our model-based fair value is C$29.38, about +104% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BNK.TO right now?
The rarer combination: high quality (73/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (C$18.58). The market is more pessimistic than our downside scenario. The model range is unusually wide (C$18.58 to C$117.52). The outcome hinges heavily on assumptions, so read the point estimate with caution. 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.TO
How large is the market capitalisation of BNK.TO (BNK)?
The market capitalisation of BNK.TO is C$28.4M (≈ $20.1M). 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.TO (BNK)?
The price-to-sales ratio of BNK.TO is 8.36 (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.TO (BNK)?
Earnings per share at BNK.TO are C$1.99 (price ÷ EPS = P/E 7.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of BNK.TO (BNK)?
The dividend yield of BNK.TO is 6.8% (payout 49.0%). 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 BNK.TO (BNK)?
The net margin of BNK.TO is 116% (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 EBIT return on assets of BNK.TO (BNK)?
On an EBIT basis the return on assets of BNK.TO is 12.8% (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.
How much free cash flow does BNK.TO (BNK) generate?
The free cash flow of BNK.TO is −C$263K (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.TO (BNK) carry?
The net debt of BNK.TO is C$11.4M (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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