Caisse Régionale de Crédit Agricole du Morbihan (CMO) Fair Value & Analysis

Financial Services · FR · Market cap €624M

Below-average quality, screening 54% undervalued on our models.

What matters now

• The price is below even our cautious bear case (€127.79). The market is more pessimistic than our downside scenario.
• Solid quality (49/100) at a price below fair value, the discount is the argument here, not the business quality.
• 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 18, 2026.

How to read this chart

60‑month range €43.08 – €137.00 · fair‑value band €127.79 – €212.99 · the €111.00 price screens below the €170.39 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.

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Analysis

Caisse Régionale de Crédit Agricole du Morbihan (CMO) currently trades at €111.00, while our model-based Fair Value estimate is €170.39, implying the stock looks roughly 53.5% undervalued today. The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Caisse Régionale de Crédit Agricole du Morbihan generated revenue of €235M at a net margin of 29.3%. Revenue grew 5.4% year over year. It earns a return on equity of 3.1%. The balance sheet holds a net cash position of €29.1M. Fundamentals as of Jul 18, 2026

Our scenario range runs from €127.79 (bear case) to €212.99 (bull case); at €111.00, the current price sits below 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 10% below its 52-week high and 52% 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 54%, CMO screens cheaper 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.

Widest divergence: Asset-Based (€301.75) versus Dividend Discount (€13.93). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Caisse Régionale de Crédit Agricole du Morbihan provides various banking products and services to individuals, private banking, professionals, farmers, associations, businesses, and public authorities and social housing in France.

Full company description

Caisse Régionale de Crédit Agricole du Morbihan provides various banking products and services to individuals, private banking, professionals, farmers, associations, businesses, and public authorities and social housing in France. The company offers bank accounts and services, bank cards, mobile payments, and magazine subscriptions; savings account and fixed-term deposits, life insurance, market and financial investments, responsible investments, and retirement savings; home, non-occupant owner, tenant, remote monitoring, car, young driver car, motorcycle, scooter, and electric scooter, personal accident, civil liability, legal protection, mobile consumer, credit borrower, and mortgage loan insurance products. It also provides personal, student, debt consolidation, revolving credit, and boating loans; home improvement, housing transition, eco PTZ, and housing adaptation loans; work credits; and mortgage loans. Caisse Régionale de Crédit Agricole du Morbihan was incorporated in 1993 and is headquartered in Vannes, France. Caisse Régionale de Crédit Agricole du Morbihan operates as a subsidiary of Crédit Agricole S.A.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Caisse Régionale de Crédit Agricole du Morbihan reported revenue of €594M in FY2025 versus €352M in FY2021, a compound +14.0%/yr. Reported net income was €68.7M in FY2025, compounding −0.1%/yr from FY2021.

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Peer Group

Banks - Regional · 1083 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.

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.

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Frequently asked questions

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.