Bendigo and Adelaide Bank Limited

Bendigo and Adelaide Bank Limited

BXRBF
Bendigo and Adelaide Bank LimitedUS flagOther OTC
7.15
USD
- -
- -
4.03BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Revenue per Share
3.24
3.37
3.31
3.31
3.34
3.33
3.19
3.19
3.34
3
3.36
3.56
3.39
Basic EPS, GAAP
0.85
0.88
0.93
0.9
0.91
0.9
0.77
0.38
0.98
0.88
0.88
0.96
-0.17
Free Cash Flow per Basic Share
0.59
0.82
4.35
0.54
-0.03
0.69
0.39
0.63
11.44
-5.86
10.04
-10.5
2.97
Dividend per Share
0.41
0.51
0.55
0.52
0.46
0.52
0.59
0.55
0.2
0.38
0.51
0.62
0.63
Book Value per Share
10.2
11.64
10.66
10.94
11.25
11.38
11.37
11.3
11.63
11.85
12.05
12.36
11.55
Tangible Book Value per Share
6.91
7.83
7.4
7.57
7.96
8.21
8.07
8.37
8.84
8.8
8.86
9.06
9.26
Basic Weighted Avg Shares
407
418
454
460
472
483
489
506
534
558
565
566
566
Sales/Revenue/Turnover
1,319
1,408
1,503
1,521
1,576
1,608
1,560
1,614
1,785
1,673
1,897
2,017
1,915
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
62
56
58
57
60
57
56
126
100
99
103
112
120
Net Income, GAAP
352
372
424
416
430
434
377
193
524
488
497
545
-97
Effective Tax Rate (%)
27.75
30.61
28.09
31.52
31.63
31.52
31.74
32.61
30.48
30.41
31.43
31.64
192.21
Profit Margin (%)
26.71
26.44
28.21
27.32
27.26
27.02
24.15
11.94
29.35
29.17
26.2
27.03
-5.07
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
7,014
6,173
6,338
5,230
5,497
5,135
5,032
5,286
12,800
13,214
13,325
10,748
11,371
Total Equity
4,434
4,966
4,942
5,115
5,426
5,620
5,632
5,798
6,354
6,712
6,851
7,034
6,670
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
8.5
8.13
8.66
8.42
8.31
8.04
6.82
3.42
8.79
7.61
7.41
7.9
-1.44

Capital Structure

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.11%
2.96%
-5.17%
Free Cash Flow
-141.1%
209.94%
-128.25%
Net Income, GAAP
-0.1%
11.72%
-117.82%
Sales/Revenue/Turnover
2.63%
3.79%
-5.04%
Total Cash Common Dividend
11.45%
19.83%
1.48%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
2,017
2025
- -
- -
- -
- -
1,915
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.96
2025
- -
- -
- -
- -
-0.17
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.62
2025
- -
- -
- -
- -
0.63
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Richard Allan Fennell
Full Time Employees
4,812
Sector
Financial Services
Industry
Banks - Regional
Address
The Bendigo Centre Bendigo VIC Australia 3550
IPO Date
Apr 5, 2010
Business
Bendigo and Adelaide Bank Limited engages in the provision of a broad spectrum of banking and financial services, primarily serving retail customers, small to medium-sized businesses, and agribusinesses across Australia. The bank offers core products including transaction and savings accounts; term deposits; personal and commercial lending such as home loans, business loans, and agribusiness finance; managed funds and financial planning services; share trading and margin lending; insurance products; superannuation; and private banking services. In addition, Sandhurst Trustees, a subsidiary within the Bendigo Wealth division, provides specialist services including estate and trust management, corporate trustee and custodial services, and commercial loans. The bank also supports community banking and invests profits back into regional communities. Founded in 1858 and headquartered in Bendigo, Victoria, Bendigo and Adelaide Bank operates through various brands and leverages an extensive branch network alongside digital banking platforms. The bank has recently undergone significant strategic transformation focused on simplifying operations, modernizing technology infrastructure, and enhancing customer service channels. Key recent developments include the planned transition of Adelaide Bank products and services entirely onto Bendigo Bank platforms by December 2025, aiming to streamline customer experience and unify brand offerings. The bank is investing in digital innovation, exemplified by the rollout of the Bendigo Lending Platform and continued development of its digital-only bank Up. In 2025, Bendigo and Adelaide Bank identified and publicly reported deficiencies in its anti-money laundering and counter-terrorism financing risk management controls following a Deloitte investigation. The findings covered systemic weaknesses beyond a single branch and triggered commitments by the bank’s board to strengthen compliance frameworks and risk management systems to meet regulatory requirements. Operationally, the bank has reshaped its executive team to support growth initiatives keyed toward sustainable lending expansion, enhancing deposit franchise strategy, and improving technology utilization to streamline branch and online experiences. Bendigo and Adelaide Bank maintains its positioning as a full-service financial institution within consumer, business, agribusiness, and corporate segments, operating predominately in the Australian market. It leverages partnerships, including with technology firms such as Google Cloud, to underpin its digital transformation and competitive offerings. The bank's strategic emphasis includes fostering trust, societal impact, and innovation across its products and services to meet evolving customer needs while reinforcing its community banking ethos. Overall, Bendigo and Adelaide Bank Limited offers comprehensive banking, lending, wealth management, insurance, and trustee services across Australia with a strong focus on digital transformation, risk management enhancement, and unification of brand services after the Adelaide Bank integration process initiated in 2024 and concluding in late 2025. It remains committed to providing accessible, secure, and community-oriented banking solutions supported by ongoing modernization and operational efficiency efforts.

Company News

APIChat
  • Bendigo and Adelaide Bank Limited (BXRBF) Q2 2026 Earnings Call Transcript

  • Bendigo and Adelaide Bank Limited (BXRBF) Analyst/Investor Day Transcript