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Oberbank AG

Oberbank AG

OBS · VI · Financial Services / Banks - Regional

83.80EUR+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close83.80
Open83.80
Day Range83.80 – 83.80
52-Week Range76.20 – 83.80
Volume3.59K
Market Cap5.92B
P/E (TTM)15.15
Forward P/E10.87
EPS5.53
Dividend Yield1.61%
Beta-0.02
50-Day Avg83.56
200-Day Avg81.77

About

Oberbank AG provides various banking products and services in Austria. It operates through Corporate Customers, Private Customers, and Financial Markets segments. The company offers savings, current, and business accounts; securities products, such as bonds, shares, investment funds, fund savings, and sustainable investment; consumer and home financing, car leasing, and funding services. It also provides business cards; cash management; internet banking; stock exchanges and markets; and asset and wealth management services. In addition, the company offers debit and credit cards; loans; pensions and insurance products; online services; and mobile banking. The company was founded in 1869 and is headquartered in Linz, Austria.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEODr. Franz Gasselsberger M.B.A.
  • Employees2.13K
  • HeadquartersUntere Donaulände 28, Linz, Austria, 4020, Austria
  • Websitehttps://www.oberbank.at

Leadership

  • Dr. Franz Gasselsberger M.B.A.Chairman of the Management Board & CEO · b. 1959
  • Magistrate Florian Hagenauer M.B.A.Member of Management Board · b. 1963
  • Mr. Martin Seiter M.B.A.Member of Management Board · b. 1985
  • Magistrate Isabella Lehner M.B.A.Member of the Management Board · b. 1986
  • Mr. Harald HummerHead of Accounts & Controlling
  • Magistrate Romana ThiemMember of the Management Board · b. 1983
  • Dr. Rainer PolsterMember of the Management Board · b. 1970
  • Magistrate Dietmar Holzinger-Bocskor M.B.A.Head of Corporate & International Finance
  • Mr. Gerhard BraunHead of Investor Relations
  • Magistrate Andreas PachingerHead of Communication & Corporate Secretary

Financials

Income Statement

Currency: EUR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue505.26M582.12M714.75M800.74M652.61M660.97M710.03M674.51M599.02M595.41M569.92M622.98M607.45M644.61M713.32M642.96M630.64M750.85M1.37B1.52B1.37B
Growth (%)-+15.21%+22.78%+12.03%-18.50%+1.28%+7.42%-5.00%-11.19%-0.60%-4.28%+9.31%-2.49%+6.12%+10.66%-9.86%-1.92%+19.06%+82.70%+10.94%-10.22%
Cost of Revenue230.22M297.76M418.79M491.99M274.83M265.47M319.71M286.95M194.49M169.16M137.82M112.62M100.43M101.53M121.74M80.53M43.23M134.85M528.41M599.65M443.22M
Gross Profit275.04M284.35M295.96M308.75M377.77M395.50M390.32M387.56M404.54M426.25M432.10M510.36M507.02M543.08M591.58M562.43M587.41M616.00M843.36M922.24M923.08M
Gross Margin54.44%48.85%41.41%38.56%57.89%59.84%54.97%57.46%67.53%71.59%75.82%81.92%83.47%84.25%82.93%87.48%93.15%82.04%61.48%60.60%67.56%
Operating Expense195.81M190.88M183.01M194.75M285.74M281.01M264.32M251.79M262.87M268.65M240.61M291.26M268.14M272.58M315.34M394.93M305.53M320.74M365.66M445.43M446.02M
Operating Income79.23M93.48M112.94M114.01M92.03M114.48M126.00M135.77M141.67M157.59M191.49M219.10M238.88M270.50M276.23M167.50M281.89M295.26M477.70M476.81M477.06M
Operating Margin15.68%16.06%15.80%14.24%14.10%17.32%17.75%20.13%23.65%26.47%33.60%35.17%39.32%41.96%38.73%26.05%44.70%39.32%34.82%31.33%34.92%
EBITDA85.70M108.00M129.70M157.07M155.28M186.48M186.39M192.92M219.96M233.50M203.40M223.36M202.61M303.13M312.54M246.52M258.77M338.29M537.21M553.05M545.96M
EBITDA Margin16.96%18.55%18.15%19.62%23.79%28.21%26.25%28.60%36.72%39.22%35.69%35.85%33.35%47.03%43.81%38.34%41.03%45.05%39.16%36.34%39.96%
Net Income69.20M83.22M102.51M105.03M77.29M98.35M111.21M111.15M122.38M136.60M166.31M181.06M200.06M224.90M214.98M122.39M233.45M242.15M381.27M378.05M371.01M
Net Income Margin13.70%14.30%14.34%13.12%11.84%14.88%15.66%16.48%20.43%22.94%29.18%29.06%32.93%34.89%30.14%19.04%37.02%32.25%27.79%24.84%27.15%
Interest Expense230.22M297.76M418.79M491.99M274.83M265.47M319.71M286.95M194.49M169.16M137.82M112.62M100.43M101.53M121.74M80.53M43.23M134.85M528.41M599.65M443.22M
Interest Expense % of Total Revenue45.56%51.15%58.59%61.44%42.11%40.16%45.03%42.54%32.47%28.41%24.18%18.08%16.53%15.75%17.07%12.52%6.85%17.96%38.52%39.40%32.44%

Balance Sheet

Currency: EUR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets12.25B13.22B14.33B15.31B16.03B16.77B17.48B17.68B17.53B17.77B18.24B19.16B20.83B22.21B22.83B24.43B27.54B26.80B27.83B28.38B29.36B
Total Liabilities11.56B12.39B13.44B14.42B15.00B15.61B16.26B16.33B16.11B16.24B16.32B16.88B18.36B19.41B19.87B21.39B24.22B23.25B23.97B24.27B24.99B
Total Equity693.32M830.92M888.65M892.81M1.03B1.16B1.22B1.34B1.42B1.53B1.92B2.28B2.46B2.79B2.95B3.03B3.31B3.54B3.85B4.11B4.36B
Cash179.26M148.45M303.95M130.38M164.73M226.92M300.17M182.79M174.60M147.01M354.02M657.56M845.11M828.68M371.56M2.11B4.40B2.29B2.84B2.80B2.43B
Total Debt1.30B1.49B1.69B1.90B2.04B2.23B2.25B2.21B2.22B2.30B2.10B3.49B3.79B4.56B4.89B5.22B5.89B6.32B6.91B7.28B7.73B
Net Debt1.12B1.35B1.39B1.77B1.88B2.01B1.95B2.03B2.05B2.15B1.74B2.83B2.95B3.73B4.52B3.11B1.49B4.03B4.08B4.47B5.30B

Cash Flow

Currency: EUR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow208.28M12.54M308.86M37.28M671.19M421.99M267.81M-287.82M18.33M-253.32M114.91M101.33M209.43M-51.22M-258.50M1.60B2.09B-1.85B486.79M412.54M168.43M
Investing Cash Flow-268.99M-109.56M-166.84M-212.71M-740.82M-391.78M-109.47M256.70M28.28M185.69M-39.19M44.67M24.53M113.69M-88.99M198.96M222.76M-231.37M-486.73M-313.43M-464.12M
Financing Cash Flow-8.07M58.29M48.90M92.92M85.45M-9.11M-49.49M-111.48M-54.80M40.04M131.30M157.54M-46.41M-78.89M-109.64M-65.31M-13.45M-30.17M548.92M-132.03M-78.50M
Capital Expenditure29.59M15.90M64.20M54.82M36.80M26.60M23.38M34.81M36.34M48.49M29.59M24.62M75.69M20.99M40.69M35.73M32.77M28.81M32.63M40.55M64.69M
Free Cash Flow178.69M-3.36M244.66M-17.54M634.40M395.38M244.43M-322.63M-18.02M-301.81M85.31M76.71M133.74M-72.21M-299.19M1.57B2.05B-1.88B454.16M371.99M103.74M
Dividends Paid10.68M11.63M13.38M13.40M13.26M14.34M14.30M14.36M14.35M14.37M15.82M17.69M22.95M31.76M38.81M6.33M26.41M35.31M51.19M70.61M81.18M
FCF to OCF85.79%-26.78%79.21%-47.04%94.52%93.70%91.27%112.10%-98.31%119.14%74.24%75.71%63.86%140.98%115.74%97.77%98.43%101.56%93.30%90.17%61.59%
Dividend Paid to FCF5.98%-346.46%5.47%-76.44%2.09%3.63%5.85%-4.45%-79.66%-4.76%18.55%23.06%17.16%-43.99%-12.97%0.40%1.29%-1.88%11.27%18.98%78.26%

Earnings

Report DateMar 31, 2006Jun 30, 2006Jun 30, 2008Mar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Aug 21, 2015Sep 30, 2015Jan 4, 2016May 25, 2016Aug 23, 2016Nov 7, 2016Dec 31, 2016Jun 5, 2017Aug 25, 2017Nov 29, 2017Mar 28, 2018Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Jun 30, 2020Sep 30, 2020Mar 22, 2021May 21, 2021Aug 26, 2021Nov 29, 2021Dec 31, 2021Mar 31, 2022Aug 25, 2022Nov 25, 2022Dec 31, 2022May 19, 2023
EPS Estimate--------------------------------------------------------
EPS Actual0.420.370.480.370.450.480.390.480.550.540.340.570.450.510.340.570.570.530.430.610.650.580.500.701.430.681.251.311.401.290.781.391.481.491.300.760.850.950.630.680.991.080.29-1.051.290.821.361.401.822.160.630.711.02-0.362.393.64
Surprise--------------------------------------------------------
Timing------------------------After-hours-After-hoursAfter-hoursPre-marketPre-market-Pre-marketAfter-hoursPre-marketPre-market-----------------After-hoursAfter-hours-After-hours

Key Statistics & Ratios

Market Cap5.92B
Enterprise Value13.65B
Trailing P/E15.15
Forward P/E10.87
PEG Ratio0.00
Price / Sales6.49
Price / Book1.32
EPS5.53
Book Value63.53
Revenue (TTM)910.96M
Gross Profit (TTM)910.96M
Profit Margin42.92%
Operating Margin56.38%
Return on Equity9.04%
Return on Assets1.34%
Shares Outstanding70.60M
Shares Float25.97M
Beta-0.02
Dividend Yield1.61%
Dividend Rate1.35
Payout Ratio24.36%

Dividends

20231×
0.72May 22, 2023
20221×
0.50May 20, 2022
20213×
0.09Oct 27, 20210.29May 17, 20210.09Jan 14, 2021
20191×
0.55May 20, 2019
20181×
0.45May 22, 2018
20171×
0.33May 22, 2017
20161×
0.27May 23, 2016
20151×
0.27May 22, 2015
20141×
0.25May 16, 2014
20131×
0.25May 17, 2013
20121×
0.25May 11, 2012
20111×
0.25May 27, 2011
20101×
0.25May 17, 2010
20091×
0.24Jun 2, 2009
20081×
0.24May 30, 2008
20071×
0.24May 18, 2007
20061×
0.23May 12, 2006
20051×
0.21May 2, 2005
20041×
0.21May 3, 2004
20031×
0.19Apr 28, 2003
20021×
0.19Apr 29, 2002
20011×
0.19Apr 30, 2001

Stock Splits

  • Aug 1, 20232:1
  • Nov 14, 2016803:798
  • Sep 14, 2015899:896
  • Apr 9, 20151143:1138
  • Oct 5, 2009427:422
  • Jul 23, 20083:1
  • May 15, 20061061:1055
  • May 15, 2000943:934