Oberbank OBS.VI
AustriaFinancial Services · Banks - RegionalWiener Börse · EUR
0.00 EUR (−100.0%)
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Oberbank AG is a regional Austrian bank offering traditional financial services (retail, corporate, and investment banking) primarily in Austria and southern Germany, with a conservative business model focused on local client relationships.
Listed on Wiener Börse · Symbol OBS.VI · VIE: OBS · Currency EUR
Key points
from its scores- ✓High-quality business9.7
- ✓Favourable backdrop8.9
- ✓Strong growth7.6
- ✕Poor share-price trend4.0
- ✕Fragile balance sheet4.3
AI analysis
bottom line, main risk, context and newsSolid quality and growth, but fair valuation and moderate financial health; the rate environment is favorable, but it does not justify an aggressive buy.
Oberbank shows exceptional quality (operating margin 56.38%) and solid growth (earnings +25.50%), but its financial health is moderate (ROE 9.04%) and its valuation is not particularly attractive (P/E 15.09). The ECB's rate hike cycle slightly favors it, although regulation and competition limit the impact.
The main risk is European regulatory pressure on banking profitability and capital requirements, which could limit Oberbank's interest margin and future growth.
Context and risks
Oberbank operates in Austria, a country with solid governance, but its regional banking business model is exposed to European regulatory pressure on interest margins and capital requirements. The ECB's rate hikes widen the interest margin, a positive factor for the bank, although competition and regulation limit the impact.
Is Oberbank stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades in line with the Financial Services median (within 15%).
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 15.1 | 13.7 | +10% |
| Price / book | 1.3 | 1.9 | −29% |
| Price / sales | 6.5 | 3.5 | +88% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 4.6 out of 10 (median for Financial Services: 5.2).
Average analyst target: 0.00 EUR, −100.0% versus the price.
Classic formulas with standard assumptions (5.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 15.1
- Price / book
- 1.3
- Price / sales
- 6.5
- PEG
- 0.59
- Market cap
- 5.9B EUR
- Enterprise value
- 13.6B EUR
Profitability
- ROE
- 9.0%
- ROA
- 1.3%
- ROIC (approx.)
- 4.1%
- Gross margin
- 0.0%
- Operating margin
- 56.4%
- Net margin
- 42.9%
Solvency
- Total debt
- 7.9B EUR
- Net debt
- 7.7B EUR
- Cash
- 199.7M EUR
Growth
- Revenue growth
- +10.2%
- Earnings growth
- +25.5%
- EPS (TTM)
- 5.54 EUR
Dividend
- Dividend yield
- 1.6%
- Payout
- 24.4%
Risk and market
- Beta
- −0.02
- Analyst consensus
- none (0)
- Target price
- 0.00 EUR
- 52-week range
- 76.00 – 83.60
Recent news
All OBS.VI news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Oberbank
Is Oberbank stock cheap or expensive?
On P/E and Price / book, it trades in line with the Financial Services median (within 15%). Valuation score: 4.6 out of 10 (median for Financial Services: 5.2). Average analyst target: 0.00 EUR, −100.0% versus the price. This is not investment advice.
What score does Oberbank get on MeridIAn Screener?
It scores 6.5 out of 10, rank 557 of 2,130 (better than 72% of the companies analysed). Its strongest category is Quality / Moat (9.7) and its weakest, Momentum (4.0). Analysis of 08/10/2026.
What is Oberbank's P/E ratio?
Its P/E is 15.1: the share price equals 15.1 times earnings per share over the last 12 months. The Financial Services median is 13.7.
How much is Oberbank worth on the stock market?
Its market capitalisation is 5.9B EUR.
Does Oberbank pay a dividend?
Yes: its dividend yield is 1.61% and it pays out 24% of its earnings.
How has Oberbank stock performed over the last year?
It has risen 11.8% over the last year, excluding dividends. Over the last 52 weeks it has traded between 76.00 and 83.60 EUR. Past performance does not guarantee future results.