EBS Stock Analysis: Erste Bank | VI
Banks - Regional | VI, Austria | Market Cap: 47.624m EUR | 12M Return: 40.2% | AT0000652011 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 30.5M
EPS Trend: 90.2%
Qual. Beats: 0
Rev. Trend: 92.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Erste Group Bank AG is an Austrian universal bank offering retail, corporate, and public sector financial services. Its product range spans deposit accounts, consumer and mortgage lending, commercial real estate finance, acquisition and leveraged finance, project finance, factoring, trade and supply chain finance (ErsteConfirming), FX hedging, cash management, and capital markets services (loan syndication, DCM, ECM). It also provides custody, brokerage, securities lending, and George, a digital retail banking platform.
Founded in 1819 and headquartered in Vienna, Erste Group is one of the largest banking groups in Central and Eastern Europe, with operations in Austria, the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia, plus selected international activities. As a GICS-classified Regional Bank and large-cap stock on the Vienna Stock Exchange, it combines traditional universal banking with a strong retail and digital presence across the CEE region.
- ECB rate cuts pressure net interest margins across CEE lending books
- Czech and Romanian loan growth offsets Austrian mortgage weakness
- George digital platform adoption drives down branch operating costs
| Net Income: 3.84b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.01 > 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 3.84b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (388.5m) vs 12m ago 0.08% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 3.32% > 50% (prev 3.07%; Δ 0.26% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBIT TTM 6.33b / Interest Expense TTM 8.82b) |
As of August 22, 2026, the stock is trading at EUR 121.80 with a total of 223,086 shares traded. Over the past week, the price has changed by -0.65%, over one month by +4.73%, over three months by +24.10% and over the past year by +40.15%.
Current recommended Stop Loss: 115.80 (which is 4.9% or 2.4 ATR below the current price).
Erste Bank has no consensus analysts rating.
P/E Trailing = 13.7136
P/E Forward = 5.0839
P/S = 3.6335
P/B = 1.6507
P/EG = 7.5674
Revenue TTM = 13.7b EUR
EBIT TTM = 6.33b EUR
EBITDA TTM = 7.09b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 6.23b EUR (47.6b + (null Debt) - CCE 41.4b)
Interest Coverage Ratio = 0.72 (Ebit TTM 6.33b / Interest Expense TTM 8.82b)
EV/FCF = 1.90x (Enterprise Value 6.23b / FCF TTM 3.29b)
FCF Yield = 52.72% (FCF TTM 3.29b / Enterprise Value 6.23b)
FCF Margin = 24.05% (FCF TTM 3.29b / Revenue TTM 13.7b)
Net Margin = 28.11% (Net Income TTM 3.84b / Revenue TTM 13.7b)
Gross Margin = unknown ((Revenue TTM 13.7b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.01 (Enterprise Value 6.23b / Total Assets 461b)
Interest Expense / Debt = unknown (Interest Expense 8.82b / Debt none)
Taxrate = 22.38% (1.42b / 6.33b)
NOPAT = 4.91b (EBIT 6.33b * (1 - 22.38%))
Current Ratio = unknown (Total Current Assets 41.4b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 7.09b)
Debt / FCF = unknown (Net Debt none / FCF TTM 3.29b)
Total Stockholder Equity = 26.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.93% (Net Income 3.84b / Total Assets 461b)
RoE = 14.45% (Net Income TTM 3.84b / Total Stockholder Equity 26.6b)
RoCE = unknown (EBIT 6.33b / Capital Employed )
RoIC = unknown (NOPAT 4.91b, Invested Capital 0.0, EBIT 6.33b)
WACC = 7.85% (E(47.6b)/V(47.6b) * Re(7.85%) + (debt-free company))
Discount Rate = 7.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -18.48 | Cagr: -1.76%
[DCF] Terminal Value 77.97% ; FCFF base≈3.02b ; Y1≈3.46b ; Y5≈5.10b
[DCF] Fair Price = 197.4 (EV 76.7b - Net Debt 0.0 = Equity 76.7b / Shares 388.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 90.18 | EPS CAGR: 9.74% | SUE: -0.42 | # QB: 0
Revenue Correlation: 92.53 | Revenue CAGR: 10.34% | SUE: 0.11 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.81 | Chg30d=+6.04% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=9.97 | Chg30d=+1.95% | Revisions=+38% | GrowthEPS=+21.0% | GrowthRev=+36.3%
EPS next Year (2027-12-31): EPS=11.15 | Chg30d=+2.35% | Revisions=+38% | GrowthEPS=+11.8% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: +46% (up=8, down=2)