Banque Cantonale du Jura SA Logo

Banque Cantonale du Jura SA

BCJ.SW

(3.2)
Stock Price

55,00 CHF

0.33% ROA

5.75% ROE

11.72x PER

Market Cap.

164.642.995,00 CHF

443.99% DER

4.09% Yield

15.91% NPM

Banque Cantonale du Jura SA Stock Analysis

Banque Cantonale du Jura SA Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banque Cantonale du Jura SA Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.53x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROE

ROE in an average range (3.68%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.24%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

8 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

9 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past three years, consistently delivering higher payouts to shareholders.

10 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (263), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

11 DER

The company has a high debt to equity ratio (377%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

Banque Cantonale du Jura SA Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banque Cantonale du Jura SA Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Banque Cantonale du Jura SA Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banque Cantonale du Jura SA Revenue
Year Revenue Growth
2003 3.753.882.131
2004 3.914.813.008 4.11%
2005 4.077.935.897 4%
2006 4.178.248.718 2.4%
2007 4.378.134.318 4.57%
2009 43.307.745 -10009.36%
2010 41.885.729 -3.39%
2011 41.596.039 -0.7%
2012 43.183.956 3.68%
2013 44.311.538 2.54%
2014 43.954.703 -0.81%
2015 41.741.338 -5.3%
2016 43.572.744 4.2%
2017 45.069.124 3.32%
2018 46.853.294 3.81%
2019 45.057.684 -3.99%
2019 54.783.645 17.75%
2020 53.189.000 -3%
2021 52.016.000 -2.26%
2022 58.188.000 10.61%
2023 92.869.000 37.34%
2024 153.832.000 39.63%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banque Cantonale du Jura SA Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banque Cantonale du Jura SA General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 1.210.584.646
2004 1.196.035.599 -1.22%
2005 1.321.075.165 9.46%
2006 1.313.235.405 -0.6%
2007 1.341.155.002 2.08%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 4.883.000 100%
2016 4.696.000 -3.98%
2017 5.157.000 8.94%
2018 5.086.000 -1.4%
2019 5.235.000 2.85%
2019 5.235.000 0%
2020 5.323.000 1.65%
2021 5.254.000 -1.31%
2022 5.447.000 3.54%
2023 5.886.000 7.46%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banque Cantonale du Jura SA EBITDA
Year EBITDA Growth
2003 534.677.916
2004 708.176.703 24.5%
2005 1.019.525.916 30.54%
2006 1.099.159.130 7.24%
2007 1.279.707.028 14.11%
2009 12.165.224 -10419.39%
2010 13.309.565 8.6%
2011 13.529.237 1.62%
2012 13.587.424 0.43%
2013 -6.214.994 318.62%
2014 26.797 23292.87%
2015 2.859.707 99.06%
2016 653.821 -337.38%
2017 632.123 -3.43%
2018 728.220 13.2%
2019 19.687.888 96.3%
2019 46.000 -42699.75%
2020 -5.000 1020%
2021 188.000 102.66%
2022 240.000 21.67%
2023 2.173.000 88.96%
2024 -32.000 6890.63%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banque Cantonale du Jura SA Gross Profit
Year Gross Profit Growth
2003 3.753.882.131
2004 3.914.813.008 4.11%
2005 4.077.935.897 4%
2006 4.178.248.718 2.4%
2007 4.378.134.318 4.57%
2009 43.307.745 -10009.36%
2010 41.885.729 -3.39%
2011 41.596.039 -0.7%
2012 43.183.956 3.68%
2013 44.311.538 2.54%
2014 43.954.703 -0.81%
2015 41.741.338 -5.3%
2016 43.572.744 4.2%
2017 45.069.124 3.32%
2018 46.853.294 3.81%
2019 45.057.684 -3.99%
2019 54.783.645 17.75%
2020 53.189.000 -3%
2021 52.016.000 -2.26%
2022 58.188.000 10.61%
2023 92.870.000 37.34%
2024 203.488.000 54.36%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banque Cantonale du Jura SA Net Profit
Year Net Profit Growth
2003 344.214.850
2004 505.100.233 31.85%
2005 564.225.651 10.48%
2006 659.532.721 14.45%
2007 749.119.033 11.96%
2009 7.831.475 -9465.49%
2010 8.323.761 5.91%
2011 8.420.910 1.15%
2012 8.577.216 1.82%
2013 8.983.797 4.53%
2014 9.003.009 0.21%
2015 8.649.059 -4.09%
2016 8.843.911 2.2%
2017 9.628.641 8.15%
2018 9.899.615 2.74%
2019 9.164.261 -8.02%
2019 9.164.878 0.01%
2020 7.085.000 -29.36%
2021 9.703.000 26.98%
2022 10.220.000 5.06%
2023 13.237.000 22.79%
2024 41.264.000 67.92%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banque Cantonale du Jura SA Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 115
2004 168 32.14%
2005 188 10.64%
2006 220 14.16%
2007 250 12.05%
2009 0 0%
2010 0 0%
2011 3 100%
2012 3 0%
2013 3 0%
2014 3 33.33%
2015 3 -50%
2016 3 0%
2017 3 33.33%
2018 3 0%
2019 3 0%
2019 3 0%
2020 2 -50%
2021 3 33.33%
2022 3 0%
2023 4 25%
2024 14 69.23%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banque Cantonale du Jura SA Free Cashflow
Year Free Cashflow Growth
2011 31.901.000
2012 -198.510.000 116.07%
2013 -124.234.002 -59.79%
2014 -476.000 -25999.58%
2015 116.368.000 100.41%
2016 29.164.999 -299%
2017 -87.099.001 133.48%
2018 -95.259.001 8.57%
2019 5.992.000 1689.77%
2019 -3.250 184469.23%
2020 20.938.000 100.02%
2021 50.248.000 58.33%
2022 -133.563.000 137.62%
2023 9.434.000 1515.76%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banque Cantonale du Jura SA Operating Cashflow
Year Operating Cashflow Growth
2011 33.975.000
2012 -197.507.000 117.2%
2013 -123.339.002 -60.13%
2014 6.903.000 1886.74%
2015 121.353.000 94.31%
2016 31.029.999 -291.08%
2017 -85.673.001 136.22%
2018 -92.915.001 7.79%
2019 10.065.000 1023.15%
2019 1.015.000 -891.63%
2020 22.864.000 95.56%
2021 54.498.000 58.05%
2022 -130.204.000 141.86%
2023 12.437.000 1146.91%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banque Cantonale du Jura SA Capital Expenditure
Year Capital Expenditure Growth
2011 2.074.000
2012 1.003.000 -106.78%
2013 895.000 -12.07%
2014 7.379.000 87.87%
2015 4.985.000 -48.02%
2016 1.865.000 -167.29%
2017 1.426.000 -30.79%
2018 2.344.000 39.16%
2019 4.073.000 42.45%
2019 1.018.250 -300%
2020 1.926.000 47.13%
2021 4.250.000 54.68%
2022 3.359.000 -26.53%
2023 3.003.000 -11.85%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banque Cantonale du Jura SA Equity
Year Equity Growth
2003 9.781.469.183
2004 10.129.763.651 3.44%
2005 10.473.317.917 3.28%
2006 10.890.991.968 3.84%
2007 11.307.412.051 3.68%
2009 116.836.953 -9577.94%
2010 120.483.687 3.03%
2011 123.904.340 2.76%
2012 204.368.044 39.37%
2013 245.165.251 16.64%
2014 218.755.193 -12.07%
2015 223.750.193 2.23%
2016 231.044.344 3.16%
2017 239.425.065 3.5%
2018 248.067.019 3.48%
2019 255.394.106 2.87%
2020 260.593.000 2%
2021 271.856.000 4.14%
2022 166.776.000 -63.01%
2023 174.748.000 4.56%
2023 292.237.000 40.2%
2024 314.028.000 6.94%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banque Cantonale du Jura SA Assets
Year Assets Growth
2003 173.226.761.685
2004 169.212.267.440 -2.37%
2005 174.540.379.227 3.05%
2006 179.188.140.609 2.59%
2007 183.632.994.267 2.42%
2009 1.952.113.718 -9306.88%
2010 2.104.400.703 7.24%
2011 2.231.105.457 5.68%
2012 2.276.452.387 1.99%
2013 2.360.784.749 3.57%
2014 2.551.916.945 7.49%
2015 2.851.326.150 10.5%
2016 2.904.365.808 1.83%
2017 3.007.175.978 3.42%
2018 3.151.747.215 4.59%
2019 3.423.052.455 7.93%
2020 3.999.460.000 14.41%
2021 4.143.353.000 3.47%
2022 4.264.747.999 2.85%
2023 4.287.426.999 0.53%
2023 4.366.239.000 1.81%
2024 4.298.581.000 -1.57%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banque Cantonale du Jura SA Liabilities
Year Liabilities Growth
2003 163.445.292.502
2004 159.082.503.789 -2.74%
2005 164.067.061.310 3.04%
2006 168.297.148.641 2.51%
2007 172.325.582.216 2.34%
2009 1.835.276.764 -9289.62%
2010 1.983.917.016 7.49%
2011 2.107.201.117 5.85%
2012 2.072.084.342 -1.69%
2013 2.115.619.495 2.06%
2014 2.333.161.753 9.32%
2015 2.627.575.957 11.2%
2016 2.673.321.465 1.71%
2017 2.767.750.915 3.41%
2018 2.903.680.196 4.68%
2019 3.167.658.348 8.33%
2020 3.738.867.000 15.28%
2021 3.871.497.000 3.43%
2022 4.097.971.999 5.53%
2023 4.112.679.000 0.36%
2023 1.096.133.000 -275.2%
2024 3.984.553.000 72.49%

Banque Cantonale du Jura SA Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
29.48
Net Income per Share
4.69
Price to Earning Ratio
11.72x
Price To Sales Ratio
1.87x
POCF Ratio
75.39
PFCF Ratio
75.39
Price to Book Ratio
0.52
EV to Sales
8.84
EV Over EBITDA
12585.6
EV to Operating CashFlow
357.28
EV to FreeCashFlow
357.28
Earnings Yield
0.09
FreeCashFlow Yield
0.01
Market Cap
0,16 Bil.
Enterprise Value
0,78 Bil.
Graham Number
105.23
Graham NetNet
-1131.1

Income Statement Metrics

Net Income per Share
4.69
Income Quality
0.16
ROE
0.06
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.69
EBT Per Ebit
1
Ebit per Revenue
0.23
Effective Tax Rate
0.31

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.14
Operating Profit Margin
0.23
Pretax Profit Margin
0.23
Net Profit Margin
0.16

Dividends

Dividend Yield
0.04
Dividend Yield %
4.09
Payout Ratio
0
Dividend Per Share
2.25

Operating Metrics

Operating Cashflow per Share
0.73
Free CashFlow per Share
0.73
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.01
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
199,96
Book Value per Share
104,90
Tangible Book Value per Share
104.9
Shareholders Equity per Share
104.9
Interest Debt per Share
465.76
Debt to Equity
4.44
Debt to Assets
0.32
Net Debt to EBITDA
9930.06
Current Ratio
39.96
Tangible Asset Value
0,31 Bil.
Net Current Asset Value
-3,39 Bil.
Invested Capital
600708000
Working Capital
0,58 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,02 Bil.
Average Inventory
345660000
Debt to Market Cap
8.47

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banque Cantonale du Jura SA Dividends
Year Dividends Growth
1995 15
1996 15 0%
2002 6 -150%
2003 6 0%
2004 6 0%
2005 8 14.29%
2006 8 0%
2007 11 30%
2008 2 -900%
2009 2 0%
2010 2 0%
2011 2 0%
2012 2 0%
2013 2 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 2 0%
2018 2 0%
2019 2 0%
2020 2 0%
2021 1 0%
2022 2 0%
2023 2 0%
2024 2 50%

Banque Cantonale du Jura SA Profile

About Banque Cantonale du Jura SA

Banque Cantonale du Jura SA provides various banking products and services to individuals and businesses in Switzerland. It offers various accounts, personal loans, mortgage loans, funding services, and debit and credit cards. The company also provides wealth management and advisory, credit, asset management, payment, and e-banking services. Banque Cantonale du Jura SA is based in Porrentruy, Switzerland.

CEO
Mr. Bertrand Valley
Employee
139
Address
Rue de la Chaumont 10
Porrentruy, 2900

Banque Cantonale du Jura SA Executives & BODs

Banque Cantonale du Jura SA Executives & BODs
# Name Age
1 Mr. Philippe Jobé
Accounting Manager
70
2 Mr. Bertrand Valley
Chief Executive Officer
70
3 Mr. Gael Froidevaux
Member of Management of Finance & Risks Sector
70
4 Mr. Stéphane Ramseyer
Secretary of Board & Member of Management of Services Sector
70
5 Margaux Hani
Manager of Communication, Public Relations & Marketing
70
6 Mr. Gregory Chapuis
Member of the Management of Credit Sector
70
7 Ms. Qendresa Dabiqaj
Member of Management of Network Sector
70
8 Mr. Aurelien Michaud
Member of Management Markets Sector
70

Banque Cantonale du Jura SA Competitors