(BHW) Bank Handlowy w Warszawie - Ratings and Ratios

Bank Handlowy w Warszawie S.A. (BHW) operates as a leading commercial bank in Poland, offering a comprehensive suite of financial services tailored to both institutional and consumer clients. Established in 1870, the bank has a rich history and currently functions as a subsidiary of Citibank Europe PLC, leveraging its global network to deliver advanced financial solutions. Its operations are divided into two primary segments: Institutional Bank and Consumer Bank. The Institutional Bank caters to corporate clients, government entities, and public sector organizations, providing specialized services such as cash management, trade finance, leasing, brokerage, custody, and investment banking. It also engages in proprietary trading across equity, debt, and derivative markets. The Consumer Bank focuses on retail banking, offering a wide range of products including bank accounts, credit facilities, mortgage loans, credit cards, and asset management services. Additionally, it acts as a distributor for investment and insurance products, targeting individuals, micro-enterprises, and sole entrepreneurs.

From a technical perspective, BHWs stock is currently trading at 116.20 PLN, above its 20-day (112.48) and 50-day (110.35) moving averages but below its 200-day moving average (96.72), indicating short-term strength but potential longer-term resistance. The Average True Range (ATR) of 3.77 suggests moderate volatility. Fundamentally, the bank exhibits a strong return on equity (RoE) of 17.84% and a price-to-book (P/B) ratio of 1.50, signaling healthy profitability and valuation alignment. The price-to-earnings (P/E) ratio of 8.43 reflects reasonable valuation relative to earnings. Over the next three months, BHW is expected to maintain its upward momentum, supported by its robust financial performance and stable market position, though upside may be capped by technical resistance near the 200-day SMA. The stocks average volume of 66,817 shares suggests consistent liquidity, enabling efficient trading opportunities.