(EBS) Erste Bank - VI
Sector: Financial Services | Industry: Banks - Regional | Exchange: VI (Austria) | Market Cap: 45.016m EUR | Total Return: 64.2% in 12m
Avg Turnover: 43.0M
EPS Trend: 88.8%
Qual. Beats: 0
Rev. Trend: 94.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Confidence
Erste Group Bank AG is a Vienna-based financial institution providing retail, corporate, and public sector banking services across Central and Eastern Europe. Its core operations include traditional deposit-taking, mortgage lending, and consumer credit, alongside specialized corporate services such as structured trade finance, asset management, and debt capital market advisory.
The bank maintains a significant regional footprint with primary market operations in Austria, the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia. This geographic concentration allows the firm to benefit from the higher net interest margins often found in developing European economies compared to more saturated Western European markets.
The company’s business model integrates traditional physical branching with advanced digital infrastructure, most notably through its proprietary George platform. In the regional banking sector, digital transformation is a critical driver for reducing cost-to-income ratios and improving customer retention among younger demographics.
Investors can further analyze these regional performance trends and valuation metrics on ValueRay.
- Net interest margin sensitivity to ECB and CEE central bank rates
- Asset quality and provisioning trends across core CEE banking markets
- Digital platform George drives retail market share and fee income growth
- Capital distribution through dividends and buybacks supported by CET1 surplus
| Net Income: 3.49b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.82 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.01 > 3% & CFO 4.04b > Net Income 3.49b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (388.4m) vs 12m ago 0.07% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 3.08% > 50% (prev 3.09%; Δ -0.01% > 0%) |
| Interest Coverage Ratio: 0.63 > 6 (EBIT TTM 5.54b / Interest Expense TTM 8.82b) |
As of June 20, 2026, the stock is trading at EUR 116.10 with a total of 407,908 shares traded.
Over the past week, the price has changed by +11.63%,
over one month by +20.62%,
over three months by +24.49% and
over the past year by +64.15%.
Erste Bank has no consensus analysts rating.
P/E Trailing = 13.5239
P/E Forward = 5.0839
P/S = 3.752
P/B = 1.6418
P/EG = 7.5674
Revenue TTM = 12.5b EUR
EBIT TTM = 5.54b EUR
EBITDA TTM = 6.19b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 492.3m EUR (45.0b + (null Debt) - CCE 44.5b)
Interest Coverage Ratio = 0.63 (Ebit TTM 5.54b / Interest Expense TTM 8.82b)
EV/FCF = 0.15x (Enterprise Value 492.3m / FCF TTM 3.29b)
FCF Yield = 667.5% (FCF TTM 3.29b / Enterprise Value 492.3m)
FCF Margin = 26.39% (FCF TTM 3.29b / Revenue TTM 12.5b)
Net Margin = 28.00% (Net Income TTM 3.49b / Revenue TTM 12.5b)
Gross Margin = unknown ((Revenue TTM 12.5b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.00 (Enterprise Value 492.3m / Total Assets 450b)
Interest Expense / Debt = unknown (Interest Expense 8.82b / Debt none)
Taxrate = 21.53% (1.19b / 5.54b)
NOPAT = 4.34b (EBIT 5.54b * (1 - 21.53%))
Current Ratio = unknown (Total Current Assets 44.5b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 6.19b)
Debt / FCF = unknown (Net Debt none / FCF TTM 3.29b)
Total Stockholder Equity = 25.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.86% (Net Income 3.49b / Total Assets 450b)
RoE = 13.70% (Net Income TTM 3.49b / Total Stockholder Equity 25.4b)
RoCE = unknown (EBIT 5.54b / Capital Employed )
RoIC = unknown (NOPAT 4.34b, Invested Capital 0.0, EBIT 5.54b)
WACC = 7.69% (E(45.0b)/V(45.0b) * Re(7.69%) + (debt-free company))
Discount Rate = 7.69% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -4.60 | Cagr: -1.76%
[DCF] Terminal Value 75.44% ; FCFF base≈3.29b ; Y1≈3.30b ; Y5≈3.50b
[DCF] Fair Price = 140.0 (EV 54.4b - Net Debt 0.0 = Equity 54.4b / Shares 388.4m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 88.78 | EPS CAGR: 10.55% | SUE: -0.48 | # QB: 0
Revenue Correlation: 94.01 | Revenue CAGR: 9.79% | SUE: -0.20 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.50 | Chg30d=+4.81% | Revisions=N/A | Analysts=2
EPS next Quarter (2026-09-30): EPS=2.65 | Chg30d=+3.11% | Revisions=N/A | Analysts=1
EPS current Year (2026-12-31): EPS=9.78 | Chg30d=+0.20% | Revisions=+50% | GrowthEPS=+0.0% | GrowthRev=+35.8%
EPS next Year (2027-12-31): EPS=10.89 | Chg30d=+0.03% | Revisions=+54% | GrowthEPS=+11.3% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: +54%