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Bank Of Queensland Ltd.
Buy, Hold or Sell?

Let's analyze Bank Of Queensland Ltd. together

I guess you are interested in Bank Of Queensland Ltd.. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Bank Of Queensland Ltd.. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Bank Of Queensland Ltd. (30 sec.)










1.2. What can you expect buying and holding a share of Bank Of Queensland Ltd.? (30 sec.)

How much money do you get?

How much money do you get?
A$0.69
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$7.27
Expected worth in 1 year
A$6.25
How sure are you?
80.0%

+ What do you gain per year?

Total Gains per Share
A$0.08
Return On Investment
1.1%

For what price can you sell your share?

Current Price per Share
A$6.89
Expected price per share
A$6.52 - A$7.05
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Bank Of Queensland Ltd. (5 min.)




Live pricePrice per Share (EOD)
A$6.89
Intrinsic Value Per Share
A$-26.45 - A$16.79
Total Value Per Share
A$-19.18 - A$24.06

2.2. Growth of Bank Of Queensland Ltd. (5 min.)




Is Bank Of Queensland Ltd. growing?

Current yearPrevious yearGrowGrow %
How rich?$3.8b$3.8b-$71.8m-1.9%

How much money is Bank Of Queensland Ltd. making?

Current yearPrevious yearGrowGrow %
Making money$181.1m$78.8m$102.3m56.5%
Net Profit Margin17.8%7.3%--

How much money comes from the company's main activities?

2.3. Financial Health of Bank Of Queensland Ltd. (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Bank Of Queensland Ltd.?

Welcome investor! Bank Of Queensland Ltd.'s management wants to use your money to grow the business. In return you get a share of Bank Of Queensland Ltd..

First you should know what it really means to hold a share of Bank Of Queensland Ltd.. And how you can make/lose money.

Speculation

The Price per Share of Bank Of Queensland Ltd. is A$6.89. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Bank Of Queensland Ltd..
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Bank Of Queensland Ltd., you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$7.27. Based on the TTM, the Book Value Change Per Share is A$-0.25 per quarter. Based on the YOY, the Book Value Change Per Share is A$-1.58 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.27 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Bank Of Queensland Ltd..

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps0.223.2%0.223.2%0.091.3%0.233.3%0.274.0%
Usd Book Value Change Per Share-0.16-2.3%-0.16-2.3%-1.00-14.6%0.182.6%-3.26-47.3%
Usd Dividend Per Share0.172.5%0.172.5%0.172.5%0.162.3%0.182.6%
Usd Total Gains Per Share0.010.2%0.010.2%-0.83-12.0%0.334.9%-3.08-44.7%
Usd Price Per Share4.02-4.02-3.66-4.39-5.68-
Price to Earnings Ratio18.37-18.37-39.46-24.21-23.09-
Price-to-Total Gains Ratio329.30-329.30--4.42-417.69-214.84-
Price to Book Ratio0.87-0.87-0.77-0.87-1.03-
Price-to-Total Gains Ratio329.30-329.30--4.42-417.69-214.84-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share4.379284
Number of shares228
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.170.16
Usd Book Value Change Per Share-0.160.18
Usd Total Gains Per Share0.010.33
Gains per Quarter (228 shares)2.7876.32
Gains per Year (228 shares)11.13305.29
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1158-1471142163295
2316-29412285326600
3475-44123427489905
4633-588345696521210
5791-735457118151515
6949-882568549781820
71107-10296799611412125
81265-117678113813042430
91424-132389128114672735
101582-1471100142316303040

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%35.01.00.097.2%
Book Value Change Per Share0.01.00.00.0%0.03.00.00.0%2.03.00.040.0%6.04.00.060.0%29.07.00.080.6%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%34.00.02.094.4%
Total Gains per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%8.02.00.080.0%34.02.00.094.4%
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3.2. Key Performance Indicators

The key performance indicators of Bank Of Queensland Ltd. compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---0.254-0.2540%-1.578+522%0.281-190%-5.125+1920%
Book Value Per Share--7.2657.2650%7.519-3%7.943-9%17.979-60%
Current Ratio--0.1490.1490%54.936-100%50.785-100%41.342-100%
Debt To Asset Ratio--0.9420.9420%0.9420%0.935+1%0.783+20%
Debt To Equity Ratio--16.12516.1250%16.1860%14.494+11%11.638+39%
Dividend Per Share--0.2730.2730%0.2740%0.245+11%0.278-2%
Enterprise Value---88641723133.200-88641723133.2000%-91943910039.040+4%-78050692073.583-12%-51535244673.336-42%
Eps--0.3440.3440%0.146+136%0.360-4%0.429-20%
Ev To Ebitda Ratio---159.141-159.1410%259.729-161%502.326-132%378.748-142%
Ev To Sales Ratio---55.505-55.5050%-54.340-2%-54.727-1%-39.246-29%
Free Cash Flow Per Share---1.263-1.2630%4.198-130%0.414-405%-0.836-34%
Free Cash Flow To Equity Per Share---3.026-3.0260%3.421-188%0.658-560%0.395-865%
Gross Profit Margin--0.8350.8350%0.637+31%0.804+4%0.866-4%
Intrinsic Value_10Y_max--16.794--------
Intrinsic Value_10Y_min---26.445--------
Intrinsic Value_1Y_max--0.689--------
Intrinsic Value_1Y_min---1.306--------
Intrinsic Value_3Y_max--2.828--------
Intrinsic Value_3Y_min---5.112--------
Intrinsic Value_5Y_max--5.879--------
Intrinsic Value_5Y_min---10.190--------
Market Cap4538002260.480-15%5234276866.8005234276866.8000%4696089960.960+11%5046907926.417+4%6134755326.664-15%
Net Profit Margin--0.1780.1780%0.073+144%0.183-3%0.249-28%
Operating Margin--0.2750.2750%-0.296+208%-0.014+105%0.047+485%
Operating Ratio---1.183-1.1830%0.834-242%0.335-454%0.438-370%
Pb Ratio0.948+8%0.8700.8700%0.766+14%0.868+0%1.026-15%
Pe Ratio20.022+8%18.36618.3660%39.463-53%24.206-24%23.089-20%
Price Per Share6.890+8%6.3206.3200%5.760+10%6.904-8%8.935-29%
Price To Free Cash Flow Ratio-5.455-9%-5.004-5.0040%1.372-465%5.119-198%-1.090-78%
Price To Total Gains Ratio358.995+8%329.296329.2960%-4.417+101%417.693-21%214.841+53%
Quick Ratio---0.334-0.3340%61.170-101%139.323-100%125.632-100%
Return On Assets--0.0030.0030%0.001+135%0.003-2%0.005-40%
Return On Equity--0.0470.0470%0.020+134%0.043+10%0.066-28%
Total Gains Per Share--0.0190.0190%-1.304+6895%0.527-96%-4.847+25355%
Usd Book Value--3824405200.0003824405200.0000%3896228000.000-2%3717370160.000+3%7722921360.000-50%
Usd Book Value Change Per Share---0.161-0.1610%-1.003+522%0.179-190%-3.258+1920%
Usd Book Value Per Share--4.6184.6180%4.779-3%5.048-9%11.428-60%
Usd Dividend Per Share--0.1730.1730%0.1740%0.156+11%0.177-2%
Usd Enterprise Value---56340679223.462-56340679223.4620%-58439549220.814+4%-49609019881.970-12%-32755801514.372-42%
Usd Eps--0.2190.2190%0.093+136%0.229-4%0.273-20%
Usd Free Cash Flow---664837600.000-664837600.0000%2175658800.000-131%210892080.000-415%-331084040.000-50%
Usd Free Cash Flow Per Share---0.803-0.8030%2.669-130%0.263-405%-0.531-34%
Usd Free Cash Flow To Equity Per Share---1.923-1.9230%2.174-188%0.418-560%0.251-865%
Usd Market Cap2884354236.761-15%3326906376.5383326906376.5380%2984834779.186+11%3207814678.031+4%3899250485.628-15%
Usd Price Per Share4.379+8%4.0174.0170%3.661+10%4.388-8%5.679-29%
Usd Profit--181146000.000181146000.0000%78814400.000+130%165383120.000+10%187057080.000-3%
Usd Revenue--1015053200.0001015053200.0000%1075435200.000-6%905348640.000+12%784838880.000+29%
Usd Total Gains Per Share--0.0120.0120%-0.829+6895%0.335-96%-3.081+25355%
 EOD+3 -5MRQTTM+0 -0YOY+23 -175Y+14 -2610Y+12 -28

3.3 Fundamental Score

Let's check the fundamental score of Bank Of Queensland Ltd. based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1520.022
Price to Book Ratio (EOD)Between0-10.948
Net Profit Margin (MRQ)Greater than00.178
Operating Margin (MRQ)Greater than00.275
Quick Ratio (MRQ)Greater than1-0.334
Current Ratio (MRQ)Greater than10.149
Debt to Asset Ratio (MRQ)Less than10.942
Debt to Equity Ratio (MRQ)Less than116.125
Return on Equity (MRQ)Greater than0.150.047
Return on Assets (MRQ)Greater than0.050.003
Total4/10 (40.0%)

3.4 Technical Score

Let's check the technical score of Bank Of Queensland Ltd. based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5051.187
Ma 20Greater thanMa 506.894
Ma 50Greater thanMa 1006.784
Ma 100Greater thanMa 2006.654
OpenGreater thanClose6.950
Total5/5 (100.0%)

4. In-depth Analysis

4.1 About Bank Of Queensland Ltd.

Bank of Queensland Limited, together with its subsidiaries, provides various financial services in Australia. The company operates through Retail Bank and BOQ Business segments. It offers savings and term deposits, foreign currency accounts, and investment and transactional accounts; debit and credit cards; home, personal, and car loans; and travel, home and content, landlord, and car insurance, as well as investment services comprising online share trading services and self-managed superannuation funds. The company also provides loans and finance products, such as business loans and overdrafts, and equipment and vehicle finance; dealer finance; merchant and payment products; financial market and international services; trade finance services; and banking solutions for agribusiness, health care, and corporate and property professionals. In addition, it offers internet and mobile banking services. The company was founded in 1874 and is headquartered in Newstead, Australia.

Fundamental data was last updated by Penke on 2025-02-14 23:48:06.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is unable to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Bank Of Queensland Ltd. earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • A Net Profit Margin of 17.8% means that $0.18 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Bank Of Queensland Ltd.:

  • The MRQ is 17.8%. The company is making a huge profit. +2
  • The TTM is 17.8%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ17.8%TTM17.8%0.0%
TTM17.8%YOY7.3%+10.5%
TTM17.8%5Y18.3%-0.5%
5Y18.3%10Y24.9%-6.6%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ17.8%40.2%-22.4%
TTM17.8%31.4%-13.6%
YOY7.3%28.8%-21.5%
5Y18.3%24.7%-6.4%
10Y24.9%21.4%+3.5%
4.3.1.2. Return on Assets

Shows how efficient Bank Of Queensland Ltd. is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • 0.3% Return on Assets means that Bank Of Queensland Ltd. generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Bank Of Queensland Ltd.:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.3%0.0%
TTM0.3%YOY0.1%+0.2%
TTM0.3%5Y0.3%0.0%
5Y0.3%10Y0.5%-0.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.2%+0.1%
TTM0.3%0.2%+0.1%
YOY0.1%0.2%-0.1%
5Y0.3%0.2%+0.1%
10Y0.5%0.2%+0.3%
4.3.1.3. Return on Equity

Shows how efficient Bank Of Queensland Ltd. is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • 4.7% Return on Equity means Bank Of Queensland Ltd. generated $0.05 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Bank Of Queensland Ltd.:

  • The MRQ is 4.7%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 4.7%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ4.7%TTM4.7%0.0%
TTM4.7%YOY2.0%+2.7%
TTM4.7%5Y4.3%+0.4%
5Y4.3%10Y6.6%-2.3%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ4.7%2.8%+1.9%
TTM4.7%2.5%+2.2%
YOY2.0%2.7%-0.7%
5Y4.3%2.4%+1.9%
10Y6.6%2.7%+3.9%
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4.3.2. Operating Efficiency of Bank Of Queensland Ltd..

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Bank Of Queensland Ltd. is operating .

  • Measures how much profit Bank Of Queensland Ltd. makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • An Operating Margin of 27.5% means the company generated $0.27  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Bank Of Queensland Ltd.:

  • The MRQ is 27.5%. The company is operating very efficient. +2
  • The TTM is 27.5%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ27.5%TTM27.5%0.0%
TTM27.5%YOY-29.6%+57.0%
TTM27.5%5Y-1.4%+28.9%
5Y-1.4%10Y4.7%-6.1%
4.3.2.2. Operating Ratio

Measures how efficient Bank Of Queensland Ltd. is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of -1.18 means that the operating costs are $-1.18 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Bank Of Queensland Ltd.:

  • The MRQ is -1.183.
  • The TTM is -1.183.
Trends
Current periodCompared to+/- 
MRQ-1.183TTM-1.1830.000
TTM-1.183YOY0.834-2.017
TTM-1.1835Y0.335-1.518
5Y0.33510Y0.438-0.104
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4.4.3. Liquidity of Bank Of Queensland Ltd..

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Bank Of Queensland Ltd. is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.15 means the company has $0.15 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Bank Of Queensland Ltd.:

  • The MRQ is 0.149. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.149. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.149TTM0.1490.000
TTM0.149YOY54.936-54.787
TTM0.1495Y50.785-50.636
5Y50.78510Y41.342+9.444
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.1492.176-2.027
YOY54.9362.383+52.553
5Y50.7851.117+49.668
10Y41.34211.601+29.741
4.4.3.2. Quick Ratio

Measures if Bank Of Queensland Ltd. is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • A Quick Ratio of -0.33 means the company can pay off $-0.33 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Bank Of Queensland Ltd.:

  • The MRQ is -0.334. The company is unable to pay all its short-term debts with the most liquid assets. -2
  • The TTM is -0.334. The company is unable to pay all its short-term debts with the most liquid assets. -2
Trends
Current periodCompared to+/- 
MRQ-0.334TTM-0.3340.000
TTM-0.334YOY61.170-61.504
TTM-0.3345Y139.323-139.657
5Y139.32310Y125.632+13.691
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM-0.334-0.015-0.319
YOY61.1702.384+58.786
5Y139.3230.682+138.641
10Y125.63217.526+108.106
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4.5.4. Solvency of Bank Of Queensland Ltd..

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Bank Of Queensland Ltd. assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Bank Of Queensland Ltd. to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.94 means that Bank Of Queensland Ltd. assets are financed with 94.2% credit (debt) and the remaining percentage (100% - 94.2%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Bank Of Queensland Ltd.:

  • The MRQ is 0.942. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.942. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.942TTM0.9420.000
TTM0.942YOY0.9420.000
TTM0.9425Y0.935+0.007
5Y0.93510Y0.783+0.152
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9420.915+0.027
TTM0.9420.724+0.218
YOY0.9420.326+0.616
5Y0.9350.761+0.174
10Y0.7830.847-0.064
4.5.4.2. Debt to Equity Ratio

Measures if Bank Of Queensland Ltd. is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,612.5% means that company has $16.12 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Bank Of Queensland Ltd.:

  • The MRQ is 16.125. The company is unable to pay all its debts with equity. -1
  • The TTM is 16.125. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ16.125TTM16.1250.000
TTM16.125YOY16.186-0.061
TTM16.1255Y14.494+1.631
5Y14.49410Y11.638+2.855
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ16.12510.715+5.410
TTM16.1258.867+7.258
YOY16.1863.978+12.208
5Y14.4949.345+5.149
10Y11.63811.610+0.028
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Bank Of Queensland Ltd. generates.

  • Above 15 is considered overpriced but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • A PE ratio of 18.37 means the investor is paying $18.37 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Bank Of Queensland Ltd.:

  • The EOD is 20.022. Based on the earnings, the company is fair priced.
  • The MRQ is 18.366. Based on the earnings, the company is fair priced.
  • The TTM is 18.366. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD20.022MRQ18.366+1.656
MRQ18.366TTM18.3660.000
TTM18.366YOY39.463-21.097
TTM18.3665Y24.206-5.840
5Y24.20610Y23.089+1.117
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD20.0224.126+15.896
MRQ18.3664.277+14.089
TTM18.3664.718+13.648
YOY39.4635.611+33.852
5Y24.2069.054+15.152
10Y23.0899.531+13.558
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Bank Of Queensland Ltd.:

  • The EOD is -5.455. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -5.004. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -5.004. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-5.455MRQ-5.004-0.451
MRQ-5.004TTM-5.0040.000
TTM-5.004YOY1.372-6.376
TTM-5.0045Y5.119-10.123
5Y5.11910Y-1.090+6.209
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD-5.4552.491-7.946
MRQ-5.0042.582-7.586
TTM-5.004-0.320-4.684
YOY1.3720.514+0.858
5Y5.1190.452+4.667
10Y-1.0900.106-1.196
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Bank Of Queensland Ltd. is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.87 means the investor is paying $0.87 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Bank Of Queensland Ltd.:

  • The EOD is 0.948. Based on the equity, the company is cheap. +2
  • The MRQ is 0.870. Based on the equity, the company is cheap. +2
  • The TTM is 0.870. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.948MRQ0.870+0.078
MRQ0.870TTM0.8700.000
TTM0.870YOY0.766+0.104
TTM0.8705Y0.868+0.002
5Y0.86810Y1.026-0.158
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.9480.466+0.482
MRQ0.8700.483+0.387
TTM0.8700.350+0.520
YOY0.7660.182+0.584
5Y0.8680.620+0.248
10Y1.0260.894+0.132
4.6.2. Total Gains per Share

4.7 Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Bank Of Queensland Ltd..

4.8.2. Funds holding Bank Of Queensland Ltd.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2020-10-31Vanguard International Stock Index-Total Intl Stock Indx1.12-7172024--
2021-01-31DFA International Small Cap Value Portfolio1.04-6623164--
2020-12-31Vanguard Tax Managed Fund-Vanguard Developed Markets Index Fund0.45-2890509--
2021-01-31DFA Asia Pacific Small Company Series0.42-2717561--
2021-01-31DFA International Core Equity Portfolio0.34999999-2268768--
2021-02-28iShares Core MSCI EAFE ETF0.34-2173243--
2021-02-28iShares MSCI EAFE Small Cap ETF0.3-1918490--
2020-10-31Vanguard Intl Equity Index Fds-FTSE All World ex U.S. Index Fund0.13-816901--
2020-11-30Schwab Strategic Tr-Schwab International Equity ETF0.090000004-577106--
2020-11-30Schwab Strategic Tr-Schwab Fundamental Intl Small Company Idx ETF0.08-530514--
Total 4.31999999402768828000.0%
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5. Financial Statements




5.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2020-08-312021-08-312022-08-312023-08-312024-08-31
Other Current Liabilities  -576,000-616,000-1,192,000-1,345,000-2,537,000-338,000-2,875,00043,324,00040,449,000
Other Assets  54,463,00033,217,00087,680,0008,264,00095,944,0005,557,000101,501,000-104,648,000-3,147,000
Current Deferred Revenue -20,331,000-15,265,000-35,596,000-5,591,000-41,187,0008,000-41,179,00081,642,00040,463,000
Long-term Assets Other  -382,00038,000-344,000-1,177,000-1,521,000252,000-1,269,00099,219,00097,950,000
Net Working Capital  1,235,0001,088,0002,323,00081,0002,404,000131,0002,535,000-38,863,000-36,328,000



5.2. Latest Balance Sheet

Balance Sheet of 2024-08-31. Currency in AUD. All numbers in thousands.

Summary
Total Assets103,040,000
Total Liabilities97,023,000
Total Stockholder Equity6,017,000
 As reported
Total Liabilities 97,023,000
Total Stockholder Equity+ 6,017,000
Total Assets = 103,040,000

Assets

Total Assets103,040,000
Total Current Assets6,364,000
Long-term Assets99,823,000
Total Current Assets
Cash And Cash Equivalents 3,147,000
Short-term Investments -17,386,000
Other Current Assets 3,217,000
Total Current Assets  (as reported)6,364,000
Total Current Assets  (calculated)-11,022,000
+/- 17,386,000
Long-term Assets
Property Plant Equipment 142,000
Goodwill 567,000
Long Term Investments 17,955,000
Intangible Assets 595,000
Long-term Assets Other 97,950,000
Long-term Assets  (as reported)99,823,000
Long-term Assets  (calculated)117,209,000
+/- 17,386,000

Liabilities & Shareholders' Equity

Total Current Liabilities42,692,000
Long-term Liabilities54,331,000
Total Stockholder Equity6,017,000
Total Current Liabilities
Short-term Debt 1,064,000
Accounts payable 1,165,000
Other Current Liabilities 40,449,000
Total Current Liabilities  (as reported)42,692,000
Total Current Liabilities  (calculated)42,678,000
+/- 14,000
Long-term Liabilities
Long-term Liabilities  (as reported)54,331,000
Long-term Liabilities  (calculated)0
+/- 54,331,000
Total Stockholder Equity
Common Stock5,342,000
Retained Earnings 364,000
Other Stockholders Equity 311,000
Total Stockholder Equity (as reported)6,017,000
Total Stockholder Equity (calculated)6,017,000
+/-0
Other
Capital Stock5,342,000
Cash and Short Term Investments 3,147,000
Common Stock Shares Outstanding 828,208
Current Deferred Revenue40,463,000
Liabilities and Stockholders Equity 103,040,000
Net Debt 16,104,000
Net Invested Capital 24,204,000
Net Working Capital -36,328,000
Short Long Term Debt Total 19,251,000



5.3. Balance Sheets Structured

Currency in AUD. All numbers in thousands.

 Trend2024-08-312023-08-312022-08-312021-08-312020-08-312019-08-312018-08-312017-08-312016-08-312015-08-312014-08-312013-08-312012-08-312011-08-312010-08-312009-08-312008-08-312007-08-312006-08-312005-08-312004-08-312003-08-312002-08-312001-08-312000-08-311999-08-311998-08-311997-08-311996-08-311995-08-311994-08-311993-08-311992-08-311991-08-311990-08-311989-08-31
> Total Assets 
129,284
186,480
1,028,411
1,288,710
1,526,889
1,896,988
2,137,707
2,221,200
2,502,623
2,846,950
3,082,895
3,689,616
4,221,919
5,280,217
7,203,800
9,927,600
11,065,700
15,797,100
20,037,300
29,775,200
34,012,000
38,570,900
39,900,800
41,758,000
42,528,300
46,905,000
48,018,000
50,853,000
51,658,000
52,980,000
55,597,000
56,772,000
91,439,000
99,913,000
105,352,000
103,040,000
103,040,000105,352,00099,913,00091,439,00056,772,00055,597,00052,980,00051,658,00050,853,00048,018,00046,905,00042,528,30041,758,00039,900,80038,570,90034,012,00029,775,20020,037,30015,797,10011,065,7009,927,6007,203,8005,280,2174,221,9193,689,6163,082,8952,846,9502,502,6232,221,2002,137,7071,896,9881,526,8891,288,7101,028,411186,480129,284
   > Total Current Assets 
8,572
10,078
12,818
35,570
56,141
89,637
148,436
166,924
337,849
419,327
439,679
264,152
384,745
627,371
1,120,800
1,191,800
1,425,800
696,900
952,800
1,352,600
1,207,100
5,689,200
5,050,500
6,262,400
6,009,000
1,034,000
1,103,000
1,228,000
914,000
1,112,000
1,274,000
1,253,000
2,355,000
2,448,000
2,582,000
6,364,000
6,364,0002,582,0002,448,0002,355,0001,253,0001,274,0001,112,000914,0001,228,0001,103,0001,034,0006,009,0006,262,4005,050,5005,689,2001,207,1001,352,600952,800696,9001,425,8001,191,8001,120,800627,371384,745264,152439,679419,327337,849166,924148,43689,63756,14135,57012,81810,0788,572
       Cash And Cash Equivalents 
4,649
4,801
5,461
33,938
37,044
86,518
148,436
166,924
40,514
62,736
44,540
263,648
384,246
626,872
1,120,800
1,191,800
1,425,800
258,500
525,900
465,800
428,400
586,900
565,100
790,200
991,700
1,034,000
1,103,000
1,228,000
914,000
1,112,000
1,274,000
1,253,000
2,355,000
2,448,000
2,582,000
3,147,000
3,147,0002,582,0002,448,0002,355,0001,253,0001,274,0001,112,000914,0001,228,0001,103,0001,034,000991,700790,200565,100586,900428,400465,800525,900258,5001,425,8001,191,8001,120,800626,872384,246263,64844,54062,73640,514166,924148,43686,51837,04433,9385,4614,8014,649
       Short-term Investments 
10,251
14,292
19,813
0
0
0
0
0
192,632
220,414
255,268
504
499
499
-12,800
169,200
392,300
-275,500
-306,400
-745,500
-674,400
4,520,300
4,187,500
4,624,500
4,334,600
2,473,100
1,940,000
1,591,000
1,837,000
1,385,000
4,529,000
6,390,000
0
0
0
-17,386,000
-17,386,0000006,390,0004,529,0001,385,0001,837,0001,591,0001,940,0002,473,1004,334,6004,624,5004,187,5004,520,300-674,400-745,500-306,400-275,500392,300169,200-12,800499499504255,268220,414192,6320000019,81314,29210,251
       Net Receivables 
3,923
5,277
7,357
1,632
19,097
3,119
0
0
82,769
7,459
4,505
0
14,760
3,176
12,800
0
403,300
163,500
316,100
734,400
503,600
446,900
187,600
558,600
506,700
74,900
0
0
0
6,000
715,000
862,000
827,000
361,000
293,000
0
0293,000361,000827,000862,000715,0006,00000074,900506,700558,600187,600446,900503,600734,400316,100163,500403,300012,8003,17614,76004,5057,45982,769003,11919,0971,6327,3575,2773,923
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,887,000
2,809,000
2,660,000
1,989,000
2,215,000
3,426,000
2,816,000
5,778,000
3,217,000
3,217,0005,778,0002,816,0003,426,0002,215,0001,989,0002,660,0002,809,0002,887,000000000000000000000000000000
   > Long-term Assets 
44,039
26,646
76,363
73,168
145,862
184,669
161,636
142,239
184,565
174,159
143,531
315,523
238,435
177,417
267,300
336,400
413,000
994,300
1,483,700
3,175,500
4,480,800
5,672,700
5,720,000
5,846,500
5,760,100
879,000
909,000
929,000
932,000
932,000
976,000
1,056,000
1,404,000
1,521,000
1,269,000
99,823,000
99,823,0001,269,0001,521,0001,404,0001,056,000976,000932,000932,000929,000909,000879,0005,760,1005,846,5005,720,0005,672,7004,480,8003,175,5001,483,700994,300413,000336,400267,300177,417238,435315,523143,531174,159184,565142,239161,636184,669145,86273,16876,36326,64644,039
       Property Plant Equipment 
8,261
9,610
10,320
10,784
12,596
13,168
16,008
16,308
16,813
19,348
29,148
43,141
49,891
52,733
90,200
115,600
101,400
19,600
19,700
25,400
24,500
25,500
31,000
31,000
37,800
51,000
61,000
60,000
60,000
57,000
52,000
148,000
198,000
264,000
197,000
142,000
142,000197,000264,000198,000148,00052,00057,00060,00060,00061,00051,00037,80031,00031,00025,50024,50025,40019,70019,600101,400115,60090,20052,73349,89143,14129,14819,34816,81316,30816,00813,16812,59610,78410,3209,6108,261
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
30,900
12,200
21,000
45,000
486,400
444,400
459,500
444,400
444,400
488,000
675,000
675,000
675,000
682,000
682,000
682,000
685,000
767,000
767,000
567,000
567,000
567,000567,000767,000767,000685,000682,000682,000682,000675,000675,000675,000488,000444,400444,400459,500444,400486,40045,00021,00012,20030,900000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,088,000
3,885,000
2,845,000
5,345,000
5,786,000
5,403,000
4,545,000
6,403,000
10,901,000
14,395,000
17,368,000
17,955,000
17,955,00017,368,00014,395,00010,901,0006,403,0004,545,0005,403,0005,786,0005,345,0002,845,0003,885,0001,088,000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,300
83,000
88,700
83,200
85,200
143,400
114,900
135,600
110,200
104,700
153,000
173,000
194,000
190,000
193,000
242,000
223,000
439,000
490,000
505,000
595,000
595,000505,000490,000439,000223,000242,000193,000190,000194,000173,000153,000104,700110,200135,600114,900143,40085,20083,20088,70083,0001,300000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,083,000
5,578,000
5,938,000
5,572,000
7,098,000
7,504,000
11,962,000
0
0
0
00011,962,0007,504,0007,098,0005,572,0005,938,0005,578,0005,083,00000000000000000000000000000
       Other Assets 
76,673
149,756
939,230
1,179,972
1,324,886
1,622,682
1,827,635
1,912,037
1,980,209
2,253,464
2,499,685
3,109,941
3,598,739
4,475,429
5,815,700
8,399,400
9,226,900
14,105,900
17,600,800
25,247,100
28,324,100
27,209,000
29,130,300
29,649,100
30,759,200
44,992,000
46,006,000
48,696,000
49,812,000
50,936,000
53,347,000
54,463,000
87,680,000
95,944,000
101,501,000
-3,147,000
-3,147,000101,501,00095,944,00087,680,00054,463,00053,347,00050,936,00049,812,00048,696,00046,006,00044,992,00030,759,20029,649,10029,130,30027,209,00028,324,10025,247,10017,600,80014,105,9009,226,9008,399,4005,815,7004,475,4293,598,7393,109,9412,499,6852,253,4641,980,2091,912,0371,827,6351,622,6821,324,8861,179,972939,230149,75676,673
> Total Liabilities 
63,078
97,702
932,938
1,161,985
1,391,555
1,748,832
1,973,483
2,044,887
2,359,562
2,700,665
2,911,673
3,509,956
4,012,080
5,021,702
6,825,500
9,324,400
10,350,200
15,107,300
19,183,000
28,096,200
31,900,600
36,168,400
37,327,200
38,858,800
39,710,500
8,364,000
8,713,000
9,398,000
47,870,000
49,124,000
51,738,000
52,541,000
85,242,000
93,245,000
99,222,000
97,023,000
97,023,00099,222,00093,245,00085,242,00052,541,00051,738,00049,124,00047,870,0009,398,0008,713,0008,364,00039,710,50038,858,80037,327,20036,168,40031,900,60028,096,20019,183,00015,107,30010,350,2009,324,4006,825,5005,021,7024,012,0803,509,9562,911,6732,700,6652,359,5622,044,8871,973,4831,748,8321,391,5551,161,985932,93897,70263,078
   > Total Current Liabilities 
49,890
73,171
77,804
103,025
37,062
41,851
4,550
860
192,632
267,068
322,830
55,534
64,914
88,661
676,900
818,300
1,399,400
1,611,700
1,484,900
1,319,700
1,253,700
7,042,400
6,538,900
6,638,400
7,228,700
6,586,900
5,820,000
13,375,000
20,000
20,000
22,000
18,000
32,000
44,000
47,000
42,692,000
42,692,00047,00044,00032,00018,00022,00020,00020,00013,375,0005,820,0006,586,9007,228,7006,638,4006,538,9007,042,4001,253,7001,319,7001,484,9001,611,7001,399,400818,300676,90088,66164,91455,534322,830267,068192,6328604,55041,85137,062103,02577,80473,17149,890
       Short-term Debt 
49,890
73,171
77,804
103,025
37,062
41,851
4,550
860
1,165
210,016
187,155
183,732
151,405
307,795
541,700
818,300
1,399,400
1,450,000
1,251,500
1,023,200
976,100
854,600
6,109,800
6,188,000
6,866,700
6,187,800
5,430,000
209,000
262,000
315,000
285,000
296,000
586,000
1,821,000
1,707,000
1,064,000
1,064,0001,707,0001,821,000586,000296,000285,000315,000262,000209,0005,430,0006,187,8006,866,7006,188,0006,109,800854,600976,1001,023,2001,251,5001,450,0001,399,400818,300541,700307,795151,405183,732187,155210,0161,1658604,55041,85137,062103,02577,80473,17149,890
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,475,000
8,820,000
9,269,000
5,063,000
9,154,000
9,728,000
11,637,000
10,989,000
0
0
0
0
000010,989,00011,637,0009,728,0009,154,0005,063,0009,269,0008,820,0007,475,000000000000000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
46,654
67,562
55,030
64,415
88,162
135,200
159,200
123,400
161,700
233,400
296,500
277,600
411,700
429,100
450,400
362,000
399,100
390,000
355,000
390,000
360,000
394,000
280,000
575,000
716,000
1,145,000
1,165,000
1,165,0001,145,000716,000575,000280,000394,000360,000390,000355,000390,000399,100362,000450,400429,100411,700277,600296,500233,400161,700123,400159,200135,20088,16264,41555,03067,56246,654000000000
       Other Current Liabilities 
-49,890
-73,171
-77,804
-103,025
-37,062
-41,851
-4,550
-860
-1,165
-210,016
-187,155
-123,257
-84,906
-191,296
-676,900
-818,300
-1,533,700
-1,666,200
-1,506,100
7,145,500
-1,278,100
-1,342,300
-6,618,300
-6,638,400
-385,000
-71,500
-5,820,000
-578,000
-659,000
-680,000
-679,000
-576,000
-1,192,000
-2,537,000
-2,875,000
40,449,000
40,449,000-2,875,000-2,537,000-1,192,000-576,000-679,000-680,000-659,000-578,000-5,820,000-71,500-385,000-6,638,400-6,618,300-1,342,300-1,278,1007,145,500-1,506,100-1,666,200-1,533,700-818,300-676,900-191,296-84,906-123,257-187,155-210,016-1,165-860-4,550-41,851-37,062-103,025-77,804-73,171-49,890
   > Long-term Liabilities 
49,890
73,171
77,804
103,025
37,062
41,851
11,067
12,914
36,797
31,815
35,547
59,971
66,000
116,000
676,900
818,300
1,399,400
1,611,700
1,484,900
1,319,700
1,253,700
7,042,400
6,538,900
6,638,400
7,228,700
8,364,000
8,713,000
9,398,000
9,651,000
10,077,000
11,986,000
11,339,000
17,723,000
19,187,000
19,322,000
54,331,000
54,331,00019,322,00019,187,00017,723,00011,339,00011,986,00010,077,0009,651,0009,398,0008,713,0008,364,0007,228,7006,638,4006,538,9007,042,4001,253,7001,319,7001,484,9001,611,7001,399,400818,300676,900116,00066,00059,97135,54731,81536,79712,91411,06741,85137,062103,02577,80473,17149,890
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,901,000
5,281,000
6,227,000
6,501,000
11,986,000
11,339,000
17,723,000
11,647,000
12,293,000
0
012,293,00011,647,00017,723,00011,339,00011,986,0006,501,0006,227,0005,281,0003,901,00000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
8,619
9,717
15,536
6,600
7,700
10,900
66,000
81,800
23,100
239,400
343,600
435,300
370,400
311,800
487,300
92,000
55,000
26,000
14,000
17,000
10,000
15,000
147,000
64,000
0
064,000147,00015,00010,00017,00014,00026,00055,00092,000487,300311,800370,400435,300343,600239,40023,10081,80066,00010,9007,7006,60015,5369,7178,61900000000000
> Total Stockholder Equity
66,206
88,778
95,473
126,725
135,334
148,156
164,224
176,313
143,061
146,285
171,222
179,660
209,839
258,515
378,300
603,200
715,500
689,800
854,300
1,679,000
2,111,400
2,402,500
2,573,600
2,899,200
2,817,800
3,341,000
3,469,000
3,587,000
3,788,000
3,856,000
3,859,000
4,231,000
6,197,000
6,668,000
6,130,000
6,017,000
6,017,0006,130,0006,668,0006,197,0004,231,0003,859,0003,856,0003,788,0003,587,0003,469,0003,341,0002,817,8002,899,2002,573,6002,402,5002,111,4001,679,000854,300689,800715,500603,200378,300258,515209,839179,660171,222146,285143,061176,313164,224148,156135,334126,72595,47388,77866,206
   Common Stock
25,371
32,413
37,266
45,393
51,891
53,279
55,375
56,821
57,234
120,935
139,887
142,787
151,375
174,509
263,900
402,900
475,300
531,200
615,700
1,243,700
1,707,400
1,861,900
1,957,600
2,464,400
2,562,600
3,021,000
3,122,000
3,243,000
3,360,000
3,418,000
3,497,000
3,869,000
5,213,000
5,258,000
5,318,000
5,342,000
5,342,0005,318,0005,258,0005,213,0003,869,0003,497,0003,418,0003,360,0003,243,0003,122,0003,021,0002,562,6002,464,4001,957,6001,861,9001,707,4001,243,700615,700531,200475,300402,900263,900174,509151,375142,787139,887120,93557,23456,82155,37553,27951,89145,39337,26632,41325,371
   Retained Earnings 
7,027
10,100
14,210
20,245
25,098
31,642
39,824
58,242
21,856
24,170
28,962
34,644
18,884
24,950
56,200
79,000
119,100
97,600
151,000
179,300
190,900
258,300
304,900
132,900
144,100
276,000
338,000
392,000
452,000
459,000
456,000
441,000
646,000
745,000
579,000
364,000
364,000579,000745,000646,000441,000456,000459,000452,000392,000338,000276,000144,100132,900304,900258,300190,900179,300151,00097,600119,10079,00056,20024,95018,88434,64428,96224,17021,85658,24239,82431,64225,09820,24514,21010,1007,027
   Capital Surplus 000000000000000000000000000000000000
   Treasury Stock000000000000000000000000000000000000
   Other Stockholders Equity 
33,808
46,265
43,997
74,871
73,577
80,596
88,446
84,502
91,065
31,275
41,392
43,239
80,163
108,867
0
0
96,400
0
0
-207,600
-195,700
-198,000
-195,700
-195,700
0
-400
-81,000
-81,000
-81,000
-59,000
-307,000
-263,000
-352,000
-439,000
297,000
311,000
311,000297,000-439,000-352,000-263,000-307,000-59,000-81,000-81,000-81,000-4000-195,700-195,700-198,000-195,700-207,6000096,40000108,86780,16343,23941,39231,27591,06584,50288,44680,59673,57774,87143,99746,26533,808



5.4. Balance Sheets

Currency in AUD. All numbers in thousands.