Fact based stock research
Banque Cantonale Vaudoise (SWX:BCVN)

CH0531751755

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For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

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Banque Cantonale Vaudoise stock research in summary

bcv.ch

ANALYSIS: With an Obermatt Combined Rank of 28 (worse than 72% compared with investment alternatives), Banque Cantonale Vaudoise (Regional Banks, Switzerland) shares have somewhat below-average financial characteristics compared with similar stocks. Shares of Banque Cantonale Vaudoise are low in value (priced high) with a consolidated Value Rank of 10 (worse than 90% of alternatives), and are riskily financed (Safety Rank of 28, which means above-average debt burdens) but show above-average growth (Growth Rank of 91). ...read more

RECOMMENDATION: A Combined Rank of 28, is a hold recommendation based on Banque Cantonale Vaudoise's financial characteristics. As the company Banque Cantonale Vaudoise shows low value with an Obermatt Value Rank of 10 (90% of comparable investments are less expensive), investors should look at the other ranks. In this case, growth is expected to be above-average, better than 91% of comparable companies (Obermatt Growth Rank is 91). This is a typical case. Companies with above average growth tend to cost more than stocks with slower growth expectations. If this is a high-growth company, the low Obermatt Safety Rank of 28 is a good sign. The more debt a well-performing company has, the higher the returns to shareholders. However, if growth turns negative or interest rates increase, high debt may become a burden. If you believe the future is bright for Banque Cantonale Vaudoise, even a low-value company (in terms of its key financial indicators) can be a good investment. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	n/a
Growth Rank	n/a
Safety Rank	n/a
Combined Rank	n/a

Country	Switzerland
Industry	Regional Banks
Index	Dividends Europe, SPI
Size class	Medium

This stock has achievements: Gold Winner CEO.

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Further information

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Research History: Banque Cantonale Vaudoise

RESEARCH HISTORY	2021	2022	2023	2024
VALUE
VALUE	20	26	10	n/a
GROWTH
GROWTH	1	1	91	n/a
SAFETY
SAFETY	87	10	26	n/a
SENTIMENT
SENTIMENT	n/a	1	67	^new
360° VIEW
360° VIEW	n/a	1	67	^new

Most recent update of the stock research: . Financial reporting date used for calculating ranks: . Stock research history is based on the Obermatt Method. The higher the rank, the better Banque Cantonale Vaudoise is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2021	2022	2023	2024
VALUE
VALUE	20	26	10	n/a
GROWTH
GROWTH	1	1	91	n/a
SAFETY
SAFETY	87	10	26	n/a
COMBINED
COMBINED	13	1	37	n/a

Last update of combined financial performance: . Stock analysis on combined financial performance: The higher the rank of Banque Cantonale Vaudoise the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 10 (worse than 90% compared with alternatives), Banque Cantonale Vaudoise shares are significantly more expensive than comparable stocks. The Value Rank is based on consolidating four value indicators, with three out of four indicators below average for Banque Cantonale Vaudoise. Only the metric dividend yield has an above-average rank, reflecting that dividend practices are expected to be higher than 84% of comparable companies, making the stock an attractive buy for dividend investors. However, dividend investors may get disappointed because all other critical financial indicators are below the market median: Price-to-Sales is 1 which means that the stock price compared with what market professionals expect for future profits is higher than 99% of comparable companies, indicating a low value concerning Banque Cantonale Vaudoise's sales levels. The same is valid for Price-to-Profit (also referred to as price-earnings, P/E) with a rank of 1 which means that the stock price compared with what market professionals expect for future profit levels is higher than 99% of comparable companies. In addition, Price-to-Book (also referred to as market-to-book ratio) with a Price-to-Book Rank of 1 is also low. Compared with invested capital, the stock price is higher than for 99% of comparable investments. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 10, is a sell recommendation based on Banque Cantonale Vaudoise's stock price compared with the company's operational size and dividend yields. Should dividend investors pick Banque Cantonale Vaudoise? The company-reported financials speak against it. The company is expensive compared with revenue and invested capital levels, two reliable company size indicators. In addition, it currently has a low level of profits. How can future dividends be paid in the case that profits remain low? Dividend investors should choose Banque Cantonale Vaudoise only if they reasonably expect the low current profit levels to be transitory. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision, which is essential in this case, as the financial indicators are inconclusive. ...read more

VALUE METRICS	2021	2022	2023	2024
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	27	1	1	n/a
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	33	17	1	n/a
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	1	17	1	n/a
DIVIDEND YIELD
DIVIDEND YIELD	90	76	81	n/a
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	20	26	10	n/a

Last update of Value Rank: . Stock analysis on value ratios: The higher the rank, the lower the value ratio of Banque Cantonale Vaudoise; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 91 (better than 91% compared with alternatives) for 2025, Banque Cantonale Vaudoise shows one of the highest growth dynamics in its industry. Investors also speak of high momentum. The Growth Rank is based on consolidating four value indicators, with all but one indicator above average for Banque Cantonale Vaudoise. Sales Growth has a rank of 100 which means that currently, professionals expect the company to grow more than 100% of its competitors. Both Profit Growth, with a rank of 100, and Stock Returns, with a rank of 91, are also above average. But Capital Growth only has a rank of 1, which means that, currently, professionals expect the company to grow its invested capital less than 99% of its competitors. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 91, is a buy recommendation for growth and momentum investors. That may be a good sign if the company is already well positioned and doesn't require more investments at this time. They may focus on growing the top (revenues) and bottom (profits) lines, recently rewarded with above-average stock returns for shareholders. But it may also be a sign of danger as the company is falling back with capital investment activities concerning competition. This requires further analysis of corporate communications. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case. ...read more

GROWTH METRICS	2021	2022	2023	2024
REVENUE GROWTH
REVENUE GROWTH	13	18	100	n/a
PROFIT GROWTH
PROFIT GROWTH	62	10	100	n/a
CAPITAL GROWTH
CAPITAL GROWTH	n/a	10	1	n/a
STOCK RETURNS
STOCK RETURNS	1	1	91	n/a
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	1	1	91	n/a

Last update of Growth Rank: . Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Banque Cantonale Vaudoise.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 28 (better than 28% compared with alternatives), the company Banque Cantonale Vaudoise has financing practices on the riskier side, which means that their overall debt burden is above the industry average. This doesn't mean that the business of Banque Cantonale Vaudoise is also risky, it only means that the company is on the riskier side in respect to bankruptcy in case things turn sour, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with just one indicator above average for Banque Cantonale Vaudoise and the other two below average. Leverage is at a rank of 82 meaning the company has a below-average debt-to-equity ratio. It has less debt than 82% of its competitors.Refinancing is at a rank of 21, which means that the portion of the debt about to be refinanced is above-average. It has more debt in the refinancing stage than 79% of its competitors. Liquidity is at a rank of 21, meaning that the company generates less profit to service its debt than 79% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 28 (worse than 72% compared with alternatives), Banque Cantonale Vaudoise has a financing structure that is riskier than that of its competitors. This is an indication that the company is on the riskier side when it comes to debt service. There is only below-market average liquidity, and a short-term refinancing issue might be around the corner. But in the long-term, the debt levels of Banque Cantonale Vaudoise are on the safer side. Investors may have a short-term debt challenge and liquidity issues with Banque Cantonale Vaudoise and should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2021	2022	2023	2024
LEVERAGE
LEVERAGE	80	42	83	n/a
REFINANCING
REFINANCING	80	26	21	n/a
LIQUIDITY
LIQUIDITY	39	1	18	n/a
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	87	10	26	n/a

Last update of Safety Rank: . Stock analysis on safety metrics: The higher the rank, the lower the leverage of Banque Cantonale Vaudoise and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2021	2022	2023	2024
ANALYST OPINIONS
ANALYST OPINIONS	n/a	1	1	^new
OPINIONS CHANGE
OPINIONS CHANGE	n/a	50	100	^new
PRO HOLDINGS
PRO HOLDINGS	n/a	14	100	^new
MARKET PULSE
MARKET PULSE	n/a	1	67	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	n/a	1	67	^new

Last update of Sentiment Rank: . Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Banque Cantonale Vaudoise.
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