Banque Cantonale Vaudoise (BCVN) Fair Value & Analysis
Financial Services · CH · Market cap CHF 10.5B
Fair value as of: Aug 13, 2026
From 6 valuation models · updated yesterday
Fair value updated Aug 13, 2026, revised from CHF 65.04 to CHF 64.25 (−1.2%) since Jul 11, 2026. Share price −0.7% over the past month.
A solid business, but screening 48% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (CHF 80.31). The favourable scenario is already priced in.
- Solid but not exceptional quality (59/100) and above fair value, neither a clear bargain nor a standout compounder.
- 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 Aug 13, 2026.
How to read this chart
60‑month range CHF 54.39 – CHF 130.10 · fair‑value band CHF 48.19 – CHF 80.31 · the CHF 123.00 price screens above the CHF 64.25 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Banque Cantonale Vaudoise (BCVN) currently trades at CHF 123.00, while our model-based Fair Value estimate is CHF 64.25, implying the stock looks roughly 47.8% overvalued today. The Quality Score stands at 59/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Banque Cantonale Vaudoise generated revenue of CHF 1.1B at a net margin of 37.4%. Revenue declined 0.7% year over year. It earns a return on equity of 10.9%. Net debt stands at CHF 1.8B. Fundamentals as of Aug 13, 2026
Our scenario range runs from CHF 48.19 (bear case) to CHF 80.31 (bull case); at CHF 123.00, the current price sits above 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 5% below its 52-week high and 45% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 47% fair-value upside, at -48%, BCVN screens richer 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.
All 6 models by family
Widest divergence: Multiples (CHF 64.81) versus Asset-Based (CHF 31.02). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 61 · Market factors (momentum, volatility) 78
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Banque Cantonale Vaudoise engages in the provision of various financial services in Vaud Canton and rest of Switzerland, the European Union, North America, and internationally. It operates through four divisions: Retail Banking, Private Banking, Corporate Banking, and Asset Management & Trading.
Full company description
Banque Cantonale Vaudoise engages in the provision of various financial services in Vaud Canton and rest of Switzerland, the European Union, North America, and internationally. It operates through four divisions: Retail Banking, Private Banking, Corporate Banking, and Asset Management & Trading. The company offers current, savings, foreign-currency, and retirement investment accounts; overdraft facilities; credit and payment cards; mortgage, personal, home, business, and construction loans; and production equipment financing and working capital and international trade finance products. It also provides a range of banking services, such as investments, real estate, financial planning services, and trading through its TradeDirect online platform; and cash management services, as well as instruments for hedging exchange-rate and interest-rate risk. In addition, the company offers asset and wealth management services; and investment and hedging products, such as currencies, equities, bonds, derivatives, and structured products. Further, it engages in the market transactions in equities, fixed-income instruments, forex, and precious metals on behalf of clients. Additionally, the company provides life insurance products, ATMs, and online banking services; manages finances and investments of high-net-worth individuals; and advisory services, such as tax planning, estate planning, and financial planning; and retirement, life insurance, and disability coverages. It primarily serves retail and business customers, and public sector institutions. Banque Cantonale Vaudoise was founded in 1845 and is headquartered in Lausanne, Switzerland.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Banque Cantonale Vaudoise reported revenue of CHF 1.4B in FY2025 versus CHF 1.0B in FY2021, a compound +8.6%/yr. Reported net income was CHF 430M in FY2025, compounding +3.2%/yr from FY2021.
of which total revenue +2.6 pp · buybacks/dilution +0.0 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
BCVN screens 48% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1086 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.
VALUE 0: the price sits above our fair-value range.
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.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,350 IDR | 4,637 IDR | -27% |
| KB Financial Group 105560 | 168,100 KRW | 220,258 KRW | +31% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 3,110 IDR | 3,792 IDR | +22% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,130 IDR | 6,067 IDR | +47% |
| Banco Bradesco S.A BBD | 5,120 ARS | 8,400 ARS | +64% |
| Shinhan Financial Group 055550 | 103,800 KRW | 146,032 KRW | +41% |
| Hana Financial Group 086790 | 127,900 KRW | 210,506 KRW | +65% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,500 VND | 45,959 VND | -23% |
| Woori Financial Group 316140 | 33,000 KRW | 60,758 KRW | +84% |
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Frequently asked questions
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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.
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