Bank of Queensland Ltd (BOQ) Fair Value & Analysis
Financial Services · AU · Market cap A$4.1B (≈ $3.0B) · ISIN AU000000BOQ8
What is Bank of Queensland Ltd really worth?
Below-average quality, and trading another 145% above our fair value of A$2.73.
Risks
For context
Fair value as of: Aug 19, 2026
From 6 valuation models · updated 16 days ago
Share price +0.6% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (A$3.42). The favourable scenario is already priced in.
- Solid but not exceptional quality (46/100) 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 19, 2026.
How to read this chart
60‑month range A$4.45 – A$7.62 · fair‑value band A$2.05 – A$3.42 · the A$6.68 price screens above the A$2.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 19, 2026.
Analysis
Bank of Queensland Ltd (BOQ) currently trades at A$6.68, while our model-based Fair Value estimate is A$2.73, implying the stock looks roughly 144.7% overvalued today. The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of A$6.11 per share, and 0 of the 6 models we run sit above the A$6.68 price. Bear case: the Multiples group reads lowest at A$2.63, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Bank of Queensland Ltd generated revenue of A$1.7B at a net margin of 5.9%. Revenue grew 2.0% year over year. It earns a return on equity of 1.6%. Net debt stands at A$17.7B. Fundamentals as of Aug 19, 2026
Our scenario range runs from A$2.05 (bear case) to A$3.42 (bull case); at A$6.68, 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 13% below its 52-week high and 11% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −59%, BOQ screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Economic Profit (A$6.11) versus Multiples (A$2.63). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 43 · Market factors (momentum, volatility) 57
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Bank of Queensland Limited, together with its subsidiaries, engages in the provision of financial services in Australia. The company operates through Retail Bank and BOQ Business segments.
Full company description
Bank of Queensland Limited, together with its subsidiaries, engages in the provision of financial services in Australia. The company operates through Retail Bank and BOQ Business segments. It offers banking and savings accounts; term deposits; transaction accounts; business bank accounts; debit and credit cards; home and contents insurance; car insurance; business banking support products; foreign exchange and trade services; and merchant and payment products. The company also provides personal loans; home loans, such as refinancing; business loans, as well as business overdraft, self-managed super fund loan, and equipment and vehicle finance; and banking solutions for agribusiness, corporate and property, and healthcare. Bank of Queensland Limited was founded in 1874 and is based in Newstead, Australia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Bank of Queensland Ltd reported revenue of A$4.7B in FY2025 versus A$1.3B in FY2021, a compound +38.8%/yr. Reported net income was A$133M in FY2025, compounding −22.5%/yr from FY2021.
of which total revenue +19.0 % · buybacks/dilution −3.3 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
BOQ screens 145% overvalued. Compare with DBS Group →
Peer Group
Banks - Regional · 1071 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
Strength profile in five axes (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.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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