Banque Cantonale Vaudoise (BQCNF) fair value: what the stock is really worth
As of Jul 24, 2026: fair value of Banque Cantonale Vaudoise $76.35, price $140, upside -45.5%, quality 59 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Banque Cantonale Vaudoise
BQCNF · USStretched ValuationStrong overvaluation with only moderate quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Sep 23, 2026.
How to read this chart
60‑month range $0.0002 – $169.25 · fair‑value band $53.87 – $97.76 · the $139.97 price screens above the $76.35 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 23, 2026.
Company profile
Banque Cantonale Vaudoise engages in the provision of various financial services in Vaud Canton and rest of Switzerland, the European Union, North America, and internationally. It operates through four divisions: Retail Banking, Private Banking, Corporate Banking, and Asset Management & Trading.
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Banque Cantonale Vaudoise engages in the provision of various financial services in Vaud Canton and rest of Switzerland, the European Union, North America, and internationally. It operates through four divisions: Retail Banking, Private Banking, Corporate Banking, and Asset Management & Trading. The company offers current, savings, foreign-currency, and retirement investment accounts; overdraft facilities; credit and payment cards; mortgage, personal, home, business, and construction loans; and production equipment financing and working capital and international trade finance products. It also provides a range of banking services, such as investments, real estate, financial planning services, and trading through its TradeDirect online platform; and cash management services, as well as instruments for hedging exchange-rate and interest-rate risk. In addition, the company offers asset and wealth management services; and investment and hedging products, such as currencies, equities, bonds, derivatives, and structured products. Further, it engages in the market transactions in equities, fixed-income instruments, forex, and precious metals on behalf of clients. Additionally, the company provides life insurance products, ATMs, and online banking services; manages finances and investments of high-net-worth individuals; and advisory services, such as tax planning, estate planning, and financial planning; and retirement, life insurance, and disability coverages. It primarily serves retail and business customers, and public sector institutions. Banque Cantonale Vaudoise was founded in 1845 and is headquartered in Lausanne, Switzerland.
Stock analysis
Banque Cantonale Vaudoise (BQCNF) currently trades at $139.97, while our model-based Fair Value estimate is $76.35, 45.5% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $78.23 per share, and 0 of the 6 models we run sit above the $139.97 price.
Bear case: the Asset-Based group reads lowest at $37.44, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $53.87 (bear) to $97.76 (bull), the price of $139.97 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 59/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Banque Cantonale Vaudoise reported revenue of CHF 1.4B in FY2025 versus CHF 1.0B in FY2021, a compound +8.6%/yr. Reported net income was CHF 430M in FY2025, compounding +3.2%/yr from FY2021.
Key figures
Market cap $12.0B · P/E ratio 22.3 · P/S ratio 6.85 · EPS (TTM) $6.29 · Dividend yield 3.1% · Net margin 30.8% · Return on equity 10.9% · Return on assets (EBIT) 0.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (medium confidence).
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −45%, BQCNF screens richer than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 61 · Market factors (momentum, volatility) 69
Revenue & earnings trend
Growth Forecast
BQCNF screens overvalued: fair value 45% below the price. Compare with DBS Group →
Compare Banque Cantonale Vaudoise with another stock
Price, fair value, quality and upside side by side.
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 · 1053 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
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 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
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Key figures of Banque Cantonale Vaudoise
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