1. Austria Stocks

  2. •

    Finance

  3. •

    Regional banks
Oberbank AG

Oberbank AG

VVIE:OBS
83.60
EUR
0.00
(0.00%)
5.55EPS
14.88P/E
5.82BMarket 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
TTM
Revenue per Share
6.94
7.31
7.06
7.87
7.18
7.7
8.38
8
8.34
8.73
11.95
13.07
13.08
12.99
Basic EPS, GAAP
2.1
2.34
2.72
2.79
2.83
3.19
3.05
1.74
3.31
3.43
5.4
5.36
5.26
5.54
Free Cash Flow per Basic Share
-0.31
-5.18
1.39
1.18
1.89
-1.02
-4.24
22.27
29.13
-26.65
7.54
5.27
1.47
0.11
Dividend per Share
0.25
0.25
0.26
0.27
0.33
0.45
0.55
0.09
0.37
0.5
0.73
1
1.15
- -
Book Value per Share
25.65
27.69
31.07
33.72
33.44
37.97
43.68
45.07
46.9
50.18
54.59
58.22
61.82
63.53
Tangible Book Value per Share
25.61
27.66
31.05
33.7
33.42
37.95
43.65
45.04
46.86
50.13
54.52
58.16
61.75
63.47
Basic Weighted Avg Shares
58
58
61
65
71
71
71
70
70
71
71
71
71
71
Sales/Revenue/Turnover
405
426
432
510
507
543
592
562
587
616
843
922
923
917
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
78
76
12
4
-36
33
36
79
-23
43
60
76
69
58
Net Income, GAAP
122
137
166
181
200
225
215
122
233
242
381
378
371
391
Effective Tax Rate (%)
13.59
13.4
13.09
17.26
16.06
16.61
21.77
26.26
16.76
17.6
19.91
20.55
22.02
20.68
Profit Margin (%)
30.25
32.05
38.49
35.48
39.46
41.41
36.34
21.76
39.74
39.31
45.21
40.99
40.19
42.64
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,224
2,295
2,098
3,490
3,791
4,562
4,888
5,219
5,890
6,321
6,915
7,275
7,733
7,415
Total Equity
1,421
1,534
1,926
2,283
2,467
2,798
2,961
3,039
3,318
3,547
3,863
4,116
4,373
4,494
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.4
3.66
4.23
3.69
3.32
3.29
2.81
1.51
2.66
2.53
3.68
3.4
3.15
3.3
Return on Common Equity (%)
8.88
9.26
9.64
8.62
8.44
8.56
7.49
4.09
7.36
7.07
10.31
9.5
8.76
9.04

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
71
71
71
Market Capitalization
5,380
5,620
5,818

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,429
1,758
1,413
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.63%
7.56%
6.26%
Free Cash Flow
-78.95%
-78.19%
-72.11%
Net Income, GAAP
13.35%
29.84%
-1.86%
Sales/Revenue/Turnover
8.42%
11.13%
0.09%
Total Cash Common Dividend
46.75%
89.81%
14.98%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
234
219
217
231
922
2025
231
218
221
238
923
2026
226
232
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.35
1.49
1.54
0.98
5.36
2025
1.33
1.2
1.48
1.24
5.26
2026
1.31
1.51
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1
2025
- -
- -
- -
- -
1.15
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Franz Gasselsberger
Full Time Employees
2,133
Sector
Finance
Industry
Regional banks
Address
Untere Donaulände 28 Linz OB Austria 4020
IPO Date
Jul 1, 1986
Website
oberbank.at
Similar Companies
ICICI Bank Limited (NSE:ICICIBANK)
State Bank of India (NSE:SBIN)
Nu Holdings Ltd. (NYSE:NU)
Sberbank (MOEX:SBER)
Akbank T.A.S. (BIST:AKBNK)
PT Bank Rakyat Indonesia (Persero) Tbk Class B (IDX:BBRI)
Business
Oberbank AG (OBS.VI) operates as a regional commercial bank focused on corporate and business banking, retail banking, private banking, and financial markets services; it provides current, savings, student, and business accounts; consumer and housing finance; working capital loans; car, equipment, and real estate leasing; factoring and guarantees; life, occupational disability, and accident insurance; credit and debit cards; export financing; private banking; securities investment; electronic banking; cash management; foreign payment transactions; forfaiting; documentary business; currency hedging; and asset management services. Founded in 1869 and headquartered in Linz, Austria, the bank maintains operations through numerous branches in Austria, Germany, the Czech Republic, Hungary, and Slovakia, serving corporates, businesses, self-employed individuals, wage and salary earners, and private customers; it participates in the 3-Banken-Gruppe alongside BKS Bank AG and Bank für Tirol und Vorarlberg AG (BTV). Recent developments include the launch of Strategy 2030 in May 2025 emphasizing efficiency, capital market readiness, and annual lending growth of 5.5% through 2030 with a progressive dividend policy targeting EUR 2.00 per share; record leasing new business volumes of EUR 612.5 million and portfolio growth to EUR 3.01 billion in the first half of 2025; lending expansion by 4.2% to EUR 21.5 billion with commercial loans up 5%; primary funds reaching a new high of EUR 20.2 billion; Private Banking assets under management hitting EUR 13.5 billion with over 10,000 customers; issuance of a EUR 250 million 10-year green mortgage covered bond in early 2025; and integration of its Global Financial Institutions unit into Treasury alongside awards for clearing quality.