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Australian regional bank offering retail and business banking, mortgages and a franchise branch network plus digital bank Virgin Money.
Australian regional bank offering retail and business banking, mortgages and a franchise branch network plus digital bank Virgin Money.
Earns mostly the gap between interest charged on loans and paid on deposits, with mortgages and business lending as the core. Sells through its own branches, owner-managed franchise branches and mortgage brokers. It bought the Virgin Money Australia retail bank in 2018 and uses the Virgin name under licence.
In one line: A regional US bank like Regions Financial.
Moat: narrow (regulatory licence, brand). Banking licence and branch/broker network provide moderate barriers, but scale trails the big four.
Headquarters: Brisbane, Australia · Founded: 1874 · Employees: 3,249
Size Bank of Queensland (BOQ.AX) is an Australia Financials company (Major Banks) with a market value of $3.19B, the 96th largest of 316 Australia companies the cockpit tracks. Shares closed at A$7.01 on 6 Nov 2026.
Performance Over six months the shares gained 14.2%, against +5.5% for the median peer and +4.1% for the Australia market (cap-weighted) — 3rd highest of 21 in its peer set.
Growth Revenue fell 6.0% over the last twelve months (peer median +15.3%); the operating margin is 23.0% (peer median 32.3%).
Valuation It trades at 0.80× book value against a peer median of 1.00× (6th cheapest of 21).
Price implies The share price implies a return on equity of about 8.9%; Bank of Queensland delivers 4.3%, so the price asks more than the business earns today.
Credit Bank of Queensland has 3 bonds outstanding ($2.00B), rated AAA by the agencies.
Next results Next results expected around 21 Apr 2027 (exchange calendar; dates can move).
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|---|
| Revenue | A$4.88B | A$4.88B | A$5.19B | A$5.08B | A$4.20B |
| Revenue growth | — | -6% | +2% | +21% | — |
| Net income | A$250M | A$250M | A$133M | A$285M | A$124M |
| Free cash flow | A$1.27B | A$1.27B | A$172M | A$467M | A$967M |
| Capital expenditure | A$127M | A$127M | A$205M | A$181M | A$146M |
| Total debt | n/a | A$15.3B | A$17.7B | A$19.3B | A$21.0B |
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 |
|---|---|---|---|---|---|---|
| Bank of Queensland BOQ.AX | $3.19B | +14% | -6% | 4% | 0.80× | 8.9% |
| Bendigo & Adelaide Bank BEN.AX | $4.36B | +5% | -6% | 6% | 0.93× | 11.0% |
| Commonwealth Bank of Australia CBA.AX | $194B | +9% | +1% | 14% | 3.56× | 33.3% |
| Westpac Banking WBC.AX | $87.6B | +4% | +2% | 9% | 1.78× | 16.4% |
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 | BOQ.AX | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +9.9% | +0.9% | highest of 21 |
| 6-month return | +14.2% | +5.5% | 3rd highest of 21 |
| Return on equity | 4.3% | 9.5% | 2nd lowest of 21 |
| Price / book | 0.80× | 1.00× | 6th cheapest of 21 |
| Trailing P/E | 18.9× | 12.7× | 3rd most expensive of 20 |
| ROE the price implies | 8.9% | 9.7% | 8th least demanding of 20 |
| ROE delivered | 4.3% | 9.6% | 2nd lowest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Bank of Queensland BOQ.AX | Australia | $3.19B | +14% | -6% | 4% | 0.80× | 8.9% | 4.3% |
| Park National PRK | United States | $3.20B | +2% | +21% | 13% | 1.87× | 13.1% | 13.1% |
| Banque Cantonale de Geneve BCGE.SW | Switzerland | $3.17B | +12% | -3% | 10% | 1.01× | n/a | 9.9% |
| BankUnited BKU | United States | $3.14B | -7% | -5% | 9% | 1.09× | 11.9% | 9.2% |
| Shiga Bank 8366.T | Japan | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% | 4.4% |
| Simmons First National SFNC | United States | $3.37B | +10% | +122% | 8% | 1.01× | 9.7% | 7.8% |
| Community Financial System CBU | United States | $3.39B | +1% | +7% | 12% | 1.67× | 12.5% | 11.8% |
| Hyakugo Bank 8368.T | Japan | $2.98B | +4% | +29% | 6% | 0.85× | 8.0% | 6.4% |
| Central Bank of India CENTRALBK.NS | India | $2.93B | -18% | +8% | 12% | 0.67× | 10.9% | 12.0% |
| Dave DAVE | United States | $3.55B | +9% | +49% | 105% | 17.09× | 291.2% | 104.8% |
| Guangzhou Rural Commercial Bank 1551.HK | Hong Kong | $2.83B | -10% | -9% | 2% | 0.22× | 3.5% | 2.3% |
| Nicolet Bankshares NIC | United States | $3.60B | +18% | +46% | 10% | 1.62× | 11.5% | 10.2% |
| Bandhan Bank BANDHANBNK.NS | India | $2.83B | -21% | +1% | 7% | 1.00× | 14.9% | 7.3% |
| TBC Bank TBCG.L | United Kingdom | $3.64B | +11% | +16% | 24% | 1.40× | 15.7% | 23.8% |
| JB Financial 175330.KS | South Korea | $3.67B | 0% | +9% | 13% | 0.94× | 5.3% | n/a |
| NBT Bancorp NBTB | United States | $2.74B | +16% | +10% | 11% | 1.45× | 9.3% | 11.5% |
| Daishi Hokuetsu Financial 7327.T | Japan | $3.73B | +9% | +18% | 9% | 0.94× | 6.3% | 8.6% |
| Sparebanken Norge SBNOR.OL | Norway | $3.78B | +8% | +62% | 7% | 0.71× | 6.1% | n/a |
| Kyushu Financial 7180.T | Japan | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% | 4.9% |
| FB Financial FBK | United States | $2.66B | 0% | +27% | 12% | 1.39× | 12.3% | 11.9% |
| First Merchants FRME | United States | $2.56B | +1% | +8% | 8% | 0.97× | 9.2% | 7.8% |
Bank of Queensland has 3 bonds outstanding with $2.00B face value. The agencies rate it AAA.