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Cantonal bank of Bern offering retail, SME and mortgage banking, majority-owned by the canton.
Cantonal bank of Bern offering retail, SME and mortgage banking, majority-owned by the canton.
Earns most of its income from mortgage lending funded by customer deposits and savings, with fees from wealth management and payments. Canton Bern owns the majority of the voting capital, and the bank's results are tied to the canton's local economy and housing market.
In one line: A Swiss state-backed regional bank.
Moat: narrow (regulatory licence, brand, distribution). State guarantee and a dominant regional branch network anchor local deposit funding.
Headquarters: Bern, Switzerland · Founded: 1834 · Employees: 1,273
Size Berner Kantonalbank (BEKN.SW) is a Switzerland Financials company (Regional Banks) with a market value of $5.07B, the 57th largest of 158 Switzerland companies the cockpit tracks. Shares closed at CHF 448.00 on 6 Nov 2026.
Performance Over six months the shares gained 17.4%, against +4.9% for the median peer and +11.6% for the Switzerland market (cap-weighted) — 3rd highest of 21 in its peer set.
Growth Revenue fell 3.9% over the last twelve months (peer median +3.3%); the operating margin is 37.9% (peer median 43.4%).
Valuation It trades at 1.34× book value against a peer median of 1.23× (7th most expensive of 21).
Credit Berner Kantonalbank has 1 bond outstanding ($195M).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | CHF 698M | CHF 687M | CHF 777M | CHF 735M | CHF 531M |
| Revenue growth | — | -12% | +6% | +38% | — |
| Net income | CHF 182M | CHF 175M | CHF 181M | CHF 175M | CHF 160M |
| Free cash flow | n/a | CHF 401M | CHF 379M | CHF 1.70B | CHF 1.12B |
| Capital expenditure | n/a | CHF 37.2M | CHF 41.8M | CHF 53.4M | CHF 65.5M |
| Total debt | n/a | CHF 11.4B | CHF 9.99B | CHF 9.47B | CHF 9.17B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Berner Kantonalbank BEKN.SW | $5.07B | +17% | -4% | 7% | 1.34× | n/a |
| Zuger Kantonalbank ZUGER.SW | $4.04B | +8% | -10% | 8% | 2.03× | n/a |
| Valiant VATN.SW | $2.93B | -9% | -11% | 6% | 0.86× | n/a |
| UBS UBSG.SW | $148B | +13% | -5% | 11% | 1.62× | 8.4% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | BEKN.SW | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +7.4% | +3.2% | 5th highest of 21 |
| 6-month return | +17.4% | +4.9% | 3rd highest of 21 |
| Return on equity | 6.6% | 10.5% | 4th lowest of 21 |
| Price / book | 1.34× | 1.23× | 7th most expensive of 21 |
| ROE delivered | 6.6% | 10.5% | 4th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Berner Kantonalbank BEKN.SW | Switzerland | $5.07B | +17% | -4% | 7% | 1.34× | n/a | 6.6% |
| Eastern Bankshares EBC | United States | $5.22B | +14% | +61% | 10% | 1.23× | 9.6% | 9.5% |
| Hokuhoku Financial 8377.T | Japan | $5.25B | +53% | +27% | 10% | 1.10× | 7.7% | 9.7% |
| Bank of Qingdao 3866.HK | Hong Kong | $4.84B | +6% | +12% | 14% | 0.57× | 6.1% | 13.8% |
| Noba Bank NOBA.ST | Sweden | $4.81B | +20% | +6% | 17% | 1.82× | 6.9% | 17.0% |
| Grupo Financiero Galicia SA Sponsored ADR GGAL | United States | $5.36B | -30% | +3% | 2% | 0.76× | 9.6% | 2.0% |
| Intercorp Financial Services IFS | United States | $5.38B | +4% | +9% | 17% | 1.36× | 10.5% | 17.4% |
| Taiwan Business Bank 2834.TW | Taiwan | $5.46B | +7% | -16% | 9% | 1.23× | 4.5% | 9.2% |
| Ameris Bancorp ABCB | United States | $5.49B | -5% | +3% | 9% | 1.33× | 12.1% | 9.5% |
| Atlantic Union Bankshares AUB | United States | $5.51B | +4% | +21% | 11% | 1.09× | 9.5% | 10.7% |
| Bank OZK OZK | United States | $5.53B | +4% | 0% | 11% | 0.93× | 8.9% | 11.3% |
| Alior Bank ALR.WA | Poland | $4.59B | +15% | -7% | 16% | 1.42× | 20.0% | 15.6% |
| Iyogin Holdings,Inc 5830.T | Japan | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% | 7.8% |
| ServisFirst Bancshares SFBS | United States | $4.49B | +2% | +5% | 18% | 2.21× | 17.2% | 17.9% |
| Hancock Whitney HWC | United States | $5.73B | +4% | -1% | 9% | 1.34× | 12.2% | 9.4% |
| Gunma Bank 8334.T | Japan | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% | 10.3% |
| United Community Banks UCB | United States | $4.43B | +11% | -18% | 4% | 1.26× | 10.9% | 4.1% |
| Bendigo & Adelaide Bank BEN.AX | Australia | $4.36B | +5% | -6% | 6% | 0.93× | 11.0% | 5.6% |
| Home BancShares HOMB | United States | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% | 11.1% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
Berner Kantonalbank has 1 bond outstanding with $195M face value.