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Home CompaniesBendigo and Adelaide Bank Ltd

Bendigo and Adelaide Bank Ltd

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
102.29 AUD 0.18 ( 0.18%)
Last update at 2026-11-06T05:10:00Z
VOLUME
3470
Market Cap
5495.39M
P/E
107.08

Momentum Score

…

Bendigo and Adelaide Bank Limited provides banking and financial products and services to retail customers and small to medium sized businesses in Australia. The company operates through Consumer, Business and Agribusiness, and Corporate segments. It offers a range of products and services, including personal and business banking, financial planning, commercial mortgages and unsecured loans, investment products, insurance, and superannuation. The company also provides retail banking products and services; home loans for the mortgage broker and mortgage manager market; rural bank products and services; wealth management services; investments and funds management services, commercial loans, access to funeral bonds, estates and trusts management services, and corporate trustee and custodial services; and banking products and services to agribusiness participants. It operates under the Bendigo Bank, AdelaideBank, Rural Bank, Community Bank, Up, Leveraged, Sandhurst Trustees, Community Enterprise Foundation, Homesafe Solutions, and Allance Bank brands. The company was founded in 1858 and is headquartered in Bendigo, Australia.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
102.02
Low
102.29
High
52 Week Price Range
97.82
Low
102.89
High

Momentum Score

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Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Bendigo and Adelaide Bank is an Australian retail and commercial bank offering mortgages, deposits, business banking, wealth management and insurance through branches, a community bank franchise and digital channels. Long-term growth may be supported by mortgage and SME lending in regional markets, expansion of wealth and insurance distribution and technology-driven cost efficiencies, and the bank appears positioned with a diversified deposit base and regional customer focus.
The bank faces material risks from credit and housing-market cyclicality, margin pressure from interest-rate and funding shifts, competitive displacement by larger banks and fintechs, and operational or regulatory setbacks including cyber incidents.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
102.11
Dividend Yield
0.61%
Revenue TTM
1832.20M
Revenue Per Share
3.24
Gross Profit TTM
1832.20M
Debt / Equity
0.78
ROE
7.68%
Net Debt
10211.60M
ROCE
-
Diluted EPS TTM
0.96

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Income before tax 105.30M 797.20M 724.80M 701.40M 753.70M
Net income -97.10M 545.00M 497.00M 488.10M 524.00M
Selling general administrative 107.30M 108.50M 75.60M 55.20M 88.20M
Reconciled depreciation 120.50M 111.80M 102.80M 99.20M 100.20M
Other operating expenses - - 347.10M 267.80M 287.70M
Interest expense 3341.00M 3102.60M 1766.00M 332.30M 444.80M
Tax provision 202.40M 252.20M 227.80M 213.30M 229.70M
Interest income 4988.90M 4738.70M 1640.80M 1749.10M 1867.30M
Net interest income 1647.90M 1636.10M 1640.80M 1416.80M 1422.50M
Income tax expense - - 227.80M 213.30M 229.70M
Total revenue 1914.90M 2016.60M 1920.30M 1690.40M 1785.20M
Net income from continuing ops -97.10M 545.00M 497.00M 488.10M 524.00M
Net income applicable to common shares - - 497.00M 488.10M 524.00M
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Total assets 103218.90M 98187.90M 98479.70M 95243.70M 86577.20M
Intangible assets 442.10M 382.30M 314.40M 280.80M 1549.40M
Earning assets - - - - 5177.10M
Other current assets - - 261.60M 149.60M 151.10M
Total liab 96548.60M 91153.90M 91629.00M 88531.80M 80223.70M
Total stockholder equity 6670.30M 7034.00M 6850.70M 6711.90M 6353.50M
Deferred long term liab - - 8.30M 4.70M 4.90M
Other current liab - - 40.80M 50.60M 44.20M
Common stock - - 5242.90M 5222.50M 5053.10M
Capital stock 5203.40M 5231.30M 5240.50M 5219.50M 5049.50M
Retained earnings 1328.20M 1762.00M 1662.50M 1474.30M 1270.70M
Other liab - - 103.30M 90.50M 84.90M
Good will 988.00M 1527.50M 1527.50M 1527.50M 1437.50M
Other assets - - 80082.10M 79054.30M 73194.80M
Cash 1083.20M 1887.70M 8508.10M 3729.00M 5528.60M
Total current liabilities - - 78204.70M 75225.20M 67963.10M
Net debt 10211.60M 8772.30M 4701.10M 9340.10M 7090.90M
Short long term debt total - - - - 4980.90M
Other stockholder equity - - -54.70M 15.10M 29.70M
Property plant equipment - - 166.20M 179.60M 205.90M
Total current assets - - 9271.80M 4380.80M 9329.70M
Long term investments 9203.90M 10968.70M 7823.60M 10584.70M 3952.70M
Net tangible assets - - 5008.80M 4903.60M 4721.60M
Net receivables - - 252.00M 154.40M 132.80M
Long term debt - - - - 4980.90M
Accounts payable 458.20M 476.00M 77310.80M 74583.90M 66217.10M
Long term debt total - - - - 5161.20M
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Investments 111.50M -52.10M -2.10M -2.30M -2.30M
Change to liabilities - - -22.60M -6.40M 46.10M
Total cashflows from investing activities - - -597.50M 9.70M 3.60M
Net borrowings 0.00M 25.00M -50.50M -71.40M 348.40M
Total cash from financing activities - - 2386.30M 8072.90M 9937.50M
Change to operating activities - - 2295.90M -12200.20M -4673.10M
Net income -97.10M 545.00M 497.00M 488.10M 524.00M
Change in cash 1348.40M -6379.90M 4767.60M -3534.10M 5902.80M
Begin period cash flow 1937.90M 8317.80M 3550.20M 7084.30M 1181.50M
End period cash flow 3286.30M 1937.90M 8317.80M 3550.20M 7084.30M
Total cash from operating activities 1697.10M -5916.50M 2978.80M -11616.70M -4038.30M
Issuance of capital stock 0.30M 0.50M 0.60M 0.60M 103.50M
Depreciation - - 65.90M 62.50M 72.30M
Other cashflows from investing activities - - - - 23.30M
Dividends paid -356.20M -351.00M 290.70M 213.70M 105.30M
Sale purchase of stock -58.30M -332.40M 0.00M -8.70M -471.50M
Other cashflows from financing activities - - 2726.90M 8366.10M 10165.40M
Change to netincome - - 115.50M -3.80M -79.70M
Capital expenditures 18.30M 27.20M 30.60M 14.50M 21.00M
Change in working capital - - - - 7565.00M
Free cash flow 1678.80M -5943.70M 5675.10M -3265.10M 6113.60M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(AUD)
Price
(AUD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
BENPH
Bendigo and Adelaide Bank Ltd		 0.18
0.18%		 102.29 107.08 - - -
BEN
Bendigo and Adelaide Bank Ltd		 0.16
1.50%		 10.83 16.94 12.17 3.16 0.91
BOQ
Bank of Queensland Ltd		 0.03
0.43%		 7.01 18.86 12.09 2.92 0.80
BOQPF
Bank of Queensland Ltd		 -0.01
0.01%		 100.80 166.53 - - -
BFL
BSP Financial Group Ltd		 -0.10
1.27%		 7.80 8.88 - 3.15 2.21

Profile*

Bendigo and Adelaide Bank Ltd

Bendigo and Adelaide Bank Limited provides banking and financial products and services to retail customers and small to medium sized businesses in Australia. The company operates through Consumer, Business and Agribusiness, and Corporate segments. It offers a range of products and services, including personal and business banking, financial planning, commercial mortgages and unsecured loans, investment products, insurance, and superannuation. The company also provides retail banking products and services; home loans for the mortgage broker and mortgage manager market; rural bank products and services; wealth management services; investments and funds management services, commercial loans, access to funeral bonds, estates and trusts management services, and corporate trustee and custodial services; and banking products and services to agribusiness participants. It operates under the Bendigo Bank, AdelaideBank, Rural Bank, Community Bank, Up, Leveraged, Sandhurst Trustees, Community Enterprise Foundation, Homesafe Solutions, and Allance Bank brands. The company was founded in 1858 and is headquartered in Bendigo, Australia.

The Bendigo Centre, Bendigo, VIC, Australia, 3550

61 3 5445 0666

https://www.bendigoadelaide.com.au

4682

Name Title Year Born
Ms. Marnie A. Baker ASA, BBus (Acc), MAICD, SF FIN CEO, MD & Non Independent Director 1969
Mr. Andrew Robert Morgan Chief Financial Officer NA
Mr. Bruce Speirs BCom, CA, GAICD, MBA Chief Operating Officer NA
Ms. Alexandra Gartmann BSc (REM), MAICD Exec. of Rural Bank, Partnerships, Marketing & Corp. Affairs NA
Mr. Richard Fennell BEc, CA, MAICD Chief Customer Officer of Consumer Banking NA
Mr. Taso Corolis Chief Risk Officer NA
Mr. Ryan Brosnahan B.Com., M.Sc. Chief Transformation Officer NA
Karen McRae Head of Investor Relations NA
James Frost Head of PR NA
Ms. Louise Tebbutt Chief People Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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