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EBO (Erste Group Bank AG) Stock Analysis
Buy, Hold or Sell?

Let's analyze Erste Group Bank AG together

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

  • 📊 Fundamental Analysis (FA) – Erste Group Bank AG’s Financial Insights
  • 📈 Technical Analysis (TA) – Erste Group Bank AG’s Price Targets

I'm going to help you getting a better view of Erste Group Bank AG. 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 Erste Group Bank AG (30 sec.)










1.2. What can you expect buying and holding a share of Erste Group Bank AG? (30 sec.)

How much money do you get?

How much money do you get?
€0.22
When do you have the money?
1 year
How often do you get paid?
31.8%

What is your share worth?

Current worth
€82.00
Expected worth in 1 year
€90.42
How sure are you?
90.9%

+ What do you gain per year?

Total Gains per Share
€8.61
Return On Investment
12.3%

For what price can you sell your share?

Current Price per Share
€69.95
Expected price per share
€66.62 - €73.10
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Erste Group Bank AG (5 min.)




Live pricePrice per Share (EOD)
€69.95
Intrinsic Value Per Share
€-346.66 - €-410.78
Total Value Per Share
€-264.66 - €-328.78

2.2. Growth of Erste Group Bank AG (5 min.)




Is Erste Group Bank AG growing?

Current yearPrevious yearGrowGrow %
How rich?$36.7b$32.4b$2.7b7.8%

How much money is Erste Group Bank AG making?

Current yearPrevious yearGrowGrow %
Making money$890.8m$920.7m-$29.8m-3.3%
Net Profit Margin27.9%29.9%--

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

2.3. Financial Health of Erste Group Bank AG (5 min.)




2.4. Comparing to competitors in the Other industry (5 min.)




  Industry Rankings (Other)  


Richest
#15 / 200

Most Revenue
#27 / 200

Most Profit
#19 / 200
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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Erste Group Bank AG?

Welcome investor! Erste Group Bank AG's management wants to use your money to grow the business. In return you get a share of Erste Group Bank AG.

First you should know what it really means to hold a share of Erste Group Bank AG. And how you can make/lose money.

Speculation

The Price per Share of Erste Group Bank AG is €69.95. 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 Erste Group Bank AG.
  • 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 Erste Group Bank AG, 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 €82.00. Based on the TTM, the Book Value Change Per Share is €2.11 per quarter. Based on the YOY, the Book Value Change Per Share is €2.12 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 €0.05 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Erste Group Bank AG.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps2.213.2%2.273.3%2.283.3%2.063.0%1.652.4%1.382.0%
Usd Book Value Change Per Share3.154.5%2.433.5%2.453.5%2.183.1%1.752.5%4.316.2%
Usd Dividend Per Share0.000.0%0.050.1%0.030.0%0.040.1%0.110.2%0.110.2%
Usd Total Gains Per Share3.154.5%2.493.6%2.483.6%2.223.2%1.862.7%4.416.3%
Usd Price Per Share74.48-62.52-40.62-44.67-40.53-34.79-
Price to Earnings Ratio8.42-7.10-4.52-5.47-8.12-7.35-
Price-to-Total Gains Ratio23.65-2.15-26.15-8.38-33.26-30.79-
Price to Book Ratio0.79-0.69-0.50-0.54-0.54-0.47-
Price-to-Total Gains Ratio23.65-2.15-26.15-8.38-33.26-30.79-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share80.827225
Number of shares12
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.050.11
Usd Book Value Change Per Share2.431.75
Usd Total Gains Per Share2.491.86
Gains per Quarter (12 shares)29.8522.32
Gains per Year (12 shares)119.3989.28
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1311710958479
2523422810168168
3835034716252257
41046746621336346
51358458526420435
61670170431504524
71881782337588613
82193494242672702
9231051106147756791
10261168118052840880

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 Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%22.00.00.0100.0%22.00.00.0100.0%
Book Value Change Per Share3.01.00.075.0%10.02.00.083.3%17.03.00.085.0%19.03.00.086.4%19.03.00.086.4%
Dividend per Share1.00.03.025.0%3.00.09.025.0%6.00.014.030.0%7.00.015.031.8%7.00.015.031.8%
Total Gains per Share3.01.00.075.0%10.02.00.083.3%18.02.00.090.0%20.02.00.090.9%20.02.00.090.9%
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3.2. Key Performance Indicators

The key performance indicators of Erste Group Bank AG compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--2.7262.105+29%2.124+28%1.887+44%1.515+80%3.727-27%
Book Value Per Share--81.99977.748+5%69.457+18%69.611+18%64.281+28%55.499+48%
Current Ratio----0%-0%-0%-0%-0%
Debt To Asset Ratio--0.9110.9130%0.918-1%0.918-1%0.920-1%0.920-1%
Debt To Equity Ratio--13.59414.006-3%14.675-7%14.908-9%15.141-10%15.089-10%
Dividend Per Share---0.047-100%0.026-100%0.035-100%0.095-100%0.092-100%
Enterprise Value---301158383600.960-299033418912.525-1%-297993245696.960-1%-297797260160.610-1%-282960048694.873-6%-277517635823.301-8%
Eps--1.9141.968-3%1.972-3%1.787+7%1.432+34%1.193+60%
Ev To Sales Ratio---26.986-27.014+0%-27.941+4%-29.534+9%-31.479+17%-31.460+17%
Free Cash Flow Per Share---3.200-2.465-23%-7.792+144%-3.934+23%2.014-259%1.270-352%
Free Cash Flow To Equity Per Share---3.200-2.465-23%-7.792+144%-3.934+23%2.014-259%1.270-352%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max---410.776----------
Intrinsic Value_10Y_min---346.659----------
Intrinsic Value_1Y_max---19.442----------
Intrinsic Value_1Y_min---19.084----------
Intrinsic Value_3Y_max---74.970----------
Intrinsic Value_3Y_min---71.238----------
Intrinsic Value_5Y_max---150.454----------
Intrinsic Value_5Y_min---138.223----------
Market Cap--25018616399.04021149331087.475+18%14197388553.040+76%15403751006.057+62%14061779655.127+78%12084389555.495+107%
Net Profit Margin--0.2660.279-4%0.299-11%0.280-5%0.244+9%0.233+14%
Operating Margin----0%-0%-0%-0%-0%
Operating Ratio----0%-0%-0%-0%0.140-100%
Pb Ratio0.853+8%0.7860.693+13%0.505+56%0.543+45%0.535+47%0.469+68%
Pe Ratio9.135+8%8.4187.099+19%4.523+86%5.467+54%8.117+4%7.352+14%
Price Per Share69.950+8%64.46054.105+19%35.155+83%38.658+67%35.073+84%30.106+114%
Price To Free Cash Flow Ratio-5.465-9%-5.036-1.437-71%-1.024-80%-0.777-85%-23.615+369%-12.960+157%
Price To Total Gains Ratio25.661+8%23.6472.146+1002%26.146-10%8.376+182%33.260-29%30.788-23%
Quick Ratio----0%-0%-0%-0%-0%
Return On Assets--0.0020.002-6%0.002-11%0.002-1%0.002+19%0.002+25%
Return On Equity--0.0310.034-8%0.038-18%0.034-9%0.028+9%0.027+14%
Total Gains Per Share--2.7262.153+27%2.150+27%1.922+42%1.610+69%3.819-29%
Usd Book Value--36774943000.00035149732250.000+5%32424826950.250+13%32178865294.417+14%29864342656.375+23%28562603350.560+29%
Usd Book Value Change Per Share--3.1502.433+29%2.455+28%2.180+44%1.751+80%4.307-27%
Usd Book Value Per Share--94.75089.838+5%80.258+18%80.436+18%74.276+28%64.130+48%
Usd Dividend Per Share---0.054-100%0.030-100%0.041-100%0.109-100%0.106-100%
Usd Enterprise Value---347988512250.909-345533115553.423-1%-344331195402.837-1%-344104734115.585-1%-326960336266.926-6%-320671628193.824-8%
Usd Eps--2.2122.274-3%2.278-3%2.064+7%1.655+34%1.378+60%
Usd Free Cash Flow---1435131000.000-1126901375.000-21%-3621048125.000+152%-1824053041.667+27%955289172.650-250%451181152.000-418%
Usd Free Cash Flow Per Share---3.698-2.849-23%-9.004+144%-4.545+23%2.327-259%1.467-352%
Usd Free Cash Flow To Equity Per Share---3.698-2.849-23%-9.004+144%-4.545+23%2.327-259%1.467-352%
Usd Market Cap--28909011249.09124438052071.577+18%16405082473.038+76%17799034287.499+62%16248386391.499+78%13963512131.375+107%
Usd Price Per Share80.827+8%74.48462.518+19%40.622+83%44.669+67%40.527+84%34.787+114%
Usd Profit--858536500.000890890500.000-4%920723776.750-7%826255777.958+4%664462475.375+29%610393013.660+41%
Usd Revenue--3223845000.0003197846250.000+1%3083354976.875+5%2946158513.917+9%2643126404.950+22%2530086821.140+27%
Usd Total Gains Per Share--3.1502.487+27%2.484+27%2.221+42%1.860+69%4.413-29%
 EOD+3 -3MRQTTM+16 -18YOY+20 -143Y+24 -105Y+20 -1410Y+17 -18

3.3 Fundamental Score

Let's check the fundamental score of Erste Group Bank AG based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-159.135
Price to Book Ratio (EOD)Between0-10.853
Net Profit Margin (MRQ)Greater than00.266
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.911
Debt to Equity Ratio (MRQ)Less than113.594
Return on Equity (MRQ)Greater than0.150.031
Return on Assets (MRQ)Greater than0.050.002
Total4/10 (40.0%)

3.4 Technical Score

Let's check the technical score of Erste Group Bank AG based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5054.314
Ma 20Greater thanMa 5070.340
Ma 50Greater thanMa 10064.562
Ma 100Greater thanMa 20063.361
OpenGreater thanClose69.950
Total4/5 (80.0%)

4. In-depth Analysis

4.1 About Erste Group Bank AG

  • Other
  • 0

There is no Profile data available for EBO.BE.

Fundamental data was last updated by Penke on 2025-06-10 06:18:03.

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
Liquidity Details
 Compared to previous yearCompared to industry
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 cheap.
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 Erste Group Bank AG earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare Erste Group Bank AG to the Other industry mean.
  • A Net Profit Margin of 26.6% means that €0.27 for each €1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Erste Group Bank AG:

  • The MRQ is 26.6%. The company is making a huge profit. +2
  • The TTM is 27.9%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ26.6%TTM27.9%-1.2%
TTM27.9%YOY29.9%-2.0%
TTM27.9%5Y24.4%+3.4%
5Y24.4%10Y23.3%+1.1%
Compared to industry (Other)
PeriodCompanyIndustry (mean)+/- 
MRQ26.6%5.5%+21.1%
TTM27.9%5.8%+22.1%
YOY29.9%5.2%+24.7%
3Y28.0%5.8%+22.2%
5Y24.4%5.8%+18.6%
10Y23.3%6.3%+17.0%
4.3.1.2. Return on Assets

Shows how efficient Erste Group Bank AG is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Erste Group Bank AG to the Other industry mean.
  • 0.2% Return on Assets means that Erste Group Bank AG generated €0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Erste Group Bank AG:

  • The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.2%TTM0.2%0.0%
TTM0.2%YOY0.2%0.0%
TTM0.2%5Y0.2%+0.0%
5Y0.2%10Y0.2%+0.0%
Compared to industry (Other)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2%0.8%-0.6%
TTM0.2%0.9%-0.7%
YOY0.2%0.8%-0.6%
3Y0.2%1.0%-0.8%
5Y0.2%0.9%-0.7%
10Y0.2%1.0%-0.8%
4.3.1.3. Return on Equity

Shows how efficient Erste Group Bank AG is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Erste Group Bank AG to the Other industry mean.
  • 3.1% Return on Equity means Erste Group Bank AG generated €0.03 for each €1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Erste Group Bank AG:

  • The MRQ is 3.1%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 3.4%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ3.1%TTM3.4%-0.3%
TTM3.4%YOY3.8%-0.4%
TTM3.4%5Y2.8%+0.5%
5Y2.8%10Y2.7%+0.1%
Compared to industry (Other)
PeriodCompanyIndustry (mean)+/- 
MRQ3.1%2.9%+0.2%
TTM3.4%2.4%+1.0%
YOY3.8%2.3%+1.5%
3Y3.4%2.8%+0.6%
5Y2.8%2.9%-0.1%
10Y2.7%2.8%-0.1%
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4.3.2. Operating Efficiency of Erste Group Bank AG.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Erste Group Bank AG is operating .

  • Measures how much profit Erste Group Bank AG 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 Erste Group Bank AG to the Other industry mean.
  • An Operating Margin of 0.0% means the company generated €0.00  for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Erste Group Bank AG:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
Compared to industry (Other)
PeriodCompanyIndustry (mean)+/- 
MRQ-11.2%-11.2%
TTM-10.0%-10.0%
YOY-7.3%-7.3%
3Y-2.7%-2.7%
5Y-2.8%-2.8%
10Y-5.4%-5.4%
4.3.2.2. Operating Ratio

Measures how efficient Erste Group Bank AG is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Other industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are €0.00 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of Erste Group Bank AG:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y0.140-0.140
Compared to industry (Other)
PeriodCompanyIndustry (mean)+/- 
MRQ-1.479-1.479
TTM-1.498-1.498
YOY-1.515-1.515
3Y-1.530-1.530
5Y-1.515-1.515
10Y0.1401.490-1.350
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4.4.3. Liquidity of Erste Group Bank AG.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Erste Group Bank AG is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Other industry mean).
  • A Current Ratio of 0.00 means the company has €0.00 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of Erste Group Bank AG:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
Compared to industry (Other)
PeriodCompanyIndustry (mean)+/- 
MRQ-1.408-1.408
TTM-1.380-1.380
YOY-1.534-1.534
3Y-1.511-1.511
5Y-1.577-1.577
10Y-1.518-1.518
4.4.3.2. Quick Ratio

Measures if Erste Group Bank AG is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Erste Group Bank AG to the Other industry mean.
  • A Quick Ratio of 0.00 means the company can pay off €0.00 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Erste Group Bank AG:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
Compared to industry (Other)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.493-0.493
TTM-0.461-0.461
YOY-0.521-0.521
3Y-0.498-0.498
5Y-0.527-0.527
10Y-0.555-0.555
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4.5.4. Solvency of Erste Group Bank AG.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Erste Group Bank AG assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Erste Group Bank AG to Other industry mean.
  • A Debt to Asset Ratio of 0.91 means that Erste Group Bank AG assets are financed with 91.1% credit (debt) and the remaining percentage (100% - 91.1%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Erste Group Bank AG:

  • The MRQ is 0.911. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.913. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.911TTM0.913-0.002
TTM0.913YOY0.918-0.004
TTM0.9135Y0.920-0.007
5Y0.92010Y0.920+0.000
Compared to industry (Other)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9110.528+0.383
TTM0.9130.537+0.376
YOY0.9180.536+0.382
3Y0.9180.540+0.378
5Y0.9200.550+0.370
10Y0.9200.559+0.361
4.5.4.2. Debt to Equity Ratio

Measures if Erste Group Bank AG is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Erste Group Bank AG to the Other industry mean.
  • A Debt to Equity ratio of 1,359.4% means that company has €13.59 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Erste Group Bank AG:

  • The MRQ is 13.594. The company is unable to pay all its debts with equity. -1
  • The TTM is 14.006. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ13.594TTM14.006-0.412
TTM14.006YOY14.675-0.669
TTM14.0065Y15.141-1.135
5Y15.14110Y15.089+0.052
Compared to industry (Other)
PeriodCompanyIndustry (mean)+/- 
MRQ13.5941.174+12.420
TTM14.0061.174+12.832
YOY14.6751.199+13.476
3Y14.9081.226+13.682
5Y15.1411.378+13.763
10Y15.0891.431+13.658
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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 Erste Group Bank AG generates.

  • Above 15 is considered overpriced but always compare Erste Group Bank AG to the Other industry mean.
  • A PE ratio of 8.42 means the investor is paying €8.42 for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Erste Group Bank AG:

  • The EOD is 9.135. Based on the earnings, the company is underpriced. +1
  • The MRQ is 8.418. Based on the earnings, the company is underpriced. +1
  • The TTM is 7.099. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD9.135MRQ8.418+0.717
MRQ8.418TTM7.099+1.319
TTM7.099YOY4.523+2.576
TTM7.0995Y8.117-1.018
5Y8.11710Y7.352+0.764
Compared to industry (Other)
PeriodCompanyIndustry (mean)+/- 
EOD9.13514.064-4.929
MRQ8.41813.998-5.580
TTM7.09913.192-6.093
YOY4.52310.542-6.019
3Y5.4679.741-4.274
5Y8.11712.133-4.016
10Y7.35211.200-3.848
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 Erste Group Bank AG:

  • The EOD is -5.465. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -5.036. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -1.437. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-5.465MRQ-5.036-0.429
MRQ-5.036TTM-1.437-3.599
TTM-1.437YOY-1.024-0.413
TTM-1.4375Y-23.615+22.178
5Y-23.61510Y-12.960-10.656
Compared to industry (Other)
PeriodCompanyIndustry (mean)+/- 
EOD-5.4658.502-13.967
MRQ-5.0367.596-12.632
TTM-1.4377.171-8.608
YOY-1.0244.811-5.835
3Y-0.7770.251-1.028
5Y-23.6153.615-27.230
10Y-12.9603.395-16.355
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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 Erste Group Bank AG is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Other industry mean).
  • A PB ratio of 0.79 means the investor is paying €0.79 for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of Erste Group Bank AG:

  • The EOD is 0.853. Based on the equity, the company is cheap. +2
  • The MRQ is 0.786. Based on the equity, the company is cheap. +2
  • The TTM is 0.693. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.853MRQ0.786+0.067
MRQ0.786TTM0.693+0.093
TTM0.693YOY0.505+0.188
TTM0.6935Y0.535+0.158
5Y0.53510Y0.469+0.067
Compared to industry (Other)
PeriodCompanyIndustry (mean)+/- 
EOD0.8531.276-0.423
MRQ0.7861.244-0.458
TTM0.6931.325-0.632
YOY0.5051.344-0.839
3Y0.5431.328-0.785
5Y0.5351.641-1.106
10Y0.4691.638-1.169
4.6.2. Total Gains per Share

2.4. Latest News of Erste Group Bank AG

Does Erste Group Bank AG still have the same value as the quarterly reports suggest? Recent changes may be an indication that the value of the company is changing. Read the news from Erste Group Bank AG to keep up to date. Note: the news is often already included in the price.

DateTitleRead
2025-06-05
17:40
SCGLY or EBKDY: Which Is the Better Value Stock Right Now?Read
2025-05-16
18:00
Erste Group Bank (EBKDY) Upgraded to Strong Buy: Here's What You Should KnowRead
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets358,003,000
Total Liabilities326,177,000
Total Stockholder Equity23,994,000
 As reported
Total Liabilities 326,177,000
Total Stockholder Equity+ 23,994,000
Total Assets = 358,003,000

Assets

Total Assets358,003,000
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 40,969,000
Total Current Assets  (as reported)0
Total Current Assets  (calculated)40,969,000
+/- 40,969,000
Long-term Assets
Property Plant Equipment 2,742,000
Long Term Investments 79,400,000
Long-term Assets  (as reported)0
Long-term Assets  (calculated)82,142,000
+/- 82,142,000

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity23,994,000
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 18,969,000
Total Stockholder Equity (as reported)23,994,000
Total Stockholder Equity (calculated)18,969,000
+/- 5,025,000
Other
Capital Stock821,000
Common Stock Shares Outstanding 388,126
Net Debt 13,326,000
Net Invested Capital 78,289,000



6.2. Balance Sheets Structured

Currency in EUR. All numbers in thousands.

 Trend2025-03-312024-12-312024-09-302024-06-302024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-31
> Total Assets 
243,705,797
248,260,847
252,101,002
245,692,847
262,898,227
264,691,955
271,983,163
277,393,700
304,968,574
303,434,962
309,240,329
307,428,200
325,610,049
327,093,365
335,296,870
323,865,000
342,921,386
343,992,685
337,161,094
337,155,000
342,698,940
344,141,000
346,529,000
353,736,000
358,003,000
358,003,000353,736,000346,529,000344,141,000342,698,940337,155,000337,161,094343,992,685342,921,386323,865,000335,296,870327,093,365325,610,049307,428,200309,240,329303,434,962304,968,574277,393,700271,983,163264,691,955262,898,227245,692,847252,101,002248,260,847243,705,797
   > Total Current Assets 0000000000000000000000000
       Cash And Cash Equivalents 
16,383,000
16,843,000
15,638,000
10,693,000
23,030,000
18,434,000
27,847,000
35,839,000
75,823,000
67,873,000
70,389,000
61,924,000
72,164,000
65,571,000
64,711,000
49,199,000
66,094,000
62,736,000
55,894,000
51,426,000
53,607,000
54,001,000
50,943,000
42,749,000
40,969,000
40,969,00042,749,00050,943,00054,001,00053,607,00051,426,00055,894,00062,736,00066,094,00049,199,00064,711,00065,571,00072,164,00061,924,00070,389,00067,873,00075,823,00035,839,00027,847,00018,434,00023,030,00010,693,00015,638,00016,843,00016,383,000
   > Long-term Assets 0000000000000000000000000
       Property Plant Equipment 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,542,272
2,616,000
2,671,319
2,665,368
2,592,991
2,600,000
2,660,103
2,658,000
2,612,000
2,755,000
2,742,000
2,742,0002,755,0002,612,0002,658,0002,660,1032,600,0002,592,9912,665,3682,671,3192,616,0002,542,27200000000000000
       Goodwill 
0
0
0
547,000
0
0
0
544,000
0
0
0
550,000
0
0
0
556,000
0
0
0
545,000
0
0
0
608,000
0
0608,000000545,000000556,000000550,000000544,000000547,000000
       Long Term Investments 
45,529,330
45,992,281
46,278,862
43,551,028
47,016,009
47,555,353
46,552,953
47,132,200
47,478,909
50,044,056
50,894,015
52,994,300
54,469,162
55,783,183
58,140,474
59,369,300
59,965,786
61,602,553
61,277,851
63,488,000
66,670,971
63,626,000
65,440,000
75,633,000
79,400,000
79,400,00075,633,00065,440,00063,626,00066,670,97163,488,00061,277,85161,602,55359,965,78659,369,30058,140,47455,783,18354,469,16252,994,30050,894,01550,044,05647,478,90947,132,20046,552,95347,555,35347,016,00943,551,02846,278,86245,992,28145,529,330
       Intangible Assets 
0
0
0
821,000
0
0
0
814,000
0
0
0
812,000
0
0
0
791,000
0
0
0
769,000
0
0
0
774,000
0
0774,000000769,000000791,000000812,000000814,000000821,000000
> Total Liabilities 
223,951,412
228,611,956
231,971,249
225,215,524
241,845,636
243,491,589
250,544,864
254,983,400
282,197,137
280,064,122
285,286,619
283,914,800
301,541,902
303,207,052
310,712,869
298,560,300
316,438,376
317,257,901
309,474,014
308,654,000
313,376,622
315,169,000
316,417,000
322,968,000
326,177,000
326,177,000322,968,000316,417,000315,169,000313,376,622308,654,000309,474,014317,257,901316,438,376298,560,300310,712,869303,207,052301,541,902283,914,800285,286,619280,064,122282,197,137254,983,400250,544,864243,491,589241,845,636225,215,524231,971,249228,611,956223,951,412
   > Total Current Liabilities 0000000000000000000000000
   > Long-term Liabilities 0000000000000000000000000
> Total Stockholder Equity
15,184,456
15,009,942
15,394,712
15,619,827
16,177,404
16,278,026
16,414,598
17,337,200
17,608,557
18,088,373
18,500,713
17,997,400
18,521,889
18,276,657
18,756,536
19,347,600
20,294,946
20,310,330
21,015,173
21,648,000
22,234,323
21,734,000
22,653,000
23,135,000
23,994,000
23,994,00023,135,00022,653,00021,734,00022,234,32321,648,00021,015,17320,310,33020,294,94619,347,60018,756,53618,276,65718,521,88917,997,40018,500,71318,088,37317,608,55717,337,20016,414,59816,278,02616,177,40415,619,82715,394,71215,009,94215,184,456
   Common Stock0000000000000000000000000
   Retained Earnings 
11,357,856
11,183,342
11,568,112
11,792,141
11,852,602
11,953,221
12,089,791
12,266,900
12,538,272
13,018,084
13,431,538
13,423,900
13,948,402
13,703,344
14,183,259
14,774,100
15,721,472
15,736,856
16,283,998
16,906,000
17,491,867
16,709,000
17,627,000
18,110,000
18,969,000
18,969,00018,110,00017,627,00016,709,00017,491,86716,906,00016,283,99815,736,85615,721,47214,774,10014,183,25913,703,34413,948,40213,423,90013,431,53813,018,08412,538,27212,266,90012,089,79111,953,22111,852,60211,792,14111,568,11211,183,34211,357,856
   Capital Surplus 0000000000000000000000000
   Treasury Stock0000000000000000000000000
   Other Stockholders Equity 0000000000000000000000000



6.3. Balance Sheets

Currency in EUR. All numbers in thousands.




6.4. Cash Flows

Currency in EUR. All numbers in thousands.




6.5. Income Statements

Currency in EUR. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2024-12-31. Currency in EUR. All numbers in thousands.

Gross Profit (+$)
totalRevenue10,894,000
Cost of Revenue-0
Gross Profit010,894,000
 
Operating Income (+$)
Gross Profit0
Operating Expense-0
Operating Income00
 
Operating Expense (+$)
Research Development0
Selling General Administrative1,529,000
Selling And Marketing Expenses0
Operating Expense01,529,000
 
Net Interest Income (+$)
Interest Income19,109,000
Interest Expense-11,581,000
Other Finance Cost-0
Net Interest Income7,528,000
 
Pretax Income (+$)
Operating Income0
Net Interest Income7,528,000
Other Non-Operating Income Expenses0
Income Before Tax (EBT)4,997,0000
EBIT - interestExpense = -11,581,000
3,125,000
14,706,000
Interest Expense11,581,000
Earnings Before Interest and Taxes (EBIT)016,578,000
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax4,997,000
Tax Provision-1,053,000
Net Income From Continuing Ops3,944,0003,944,000
Net Income3,125,000
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net0-7,528,000
 

Technical Analysis of Erste Group Bank AG
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Erste Group Bank AG. The general trend of Erste Group Bank AG is BULLISH with 85.7% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Erste Group Bank AG's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (85.7%) Bearish trend (-85.7%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Erste Group Bank AG Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Erste Group Bank AG.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 70.35 < 73.10.

The bearish price targets are: 68.35 > 66.72 > 66.62.

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Erste Group Bank AG Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Erste Group Bank AG. The current mas is .

The long score for the Moving Averages is 13/14.
The longshort score for the Moving Averages is 12/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Erste Group Bank AG Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Erste Group Bank AG. The current macd is 1.67663194.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Erste Group Bank AG price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Erste Group Bank AG. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Erste Group Bank AG price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Erste Group Bank AG Daily Moving Average Convergence/Divergence (MACD) ChartErste Group Bank AG Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Erste Group Bank AG. The current adx is 29.74.

The long score for the Directional Movement Index (DMI) is 3/7.
The longshort score for the Directional Movement Index (DMI) is 3/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Erste Group Bank AG shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bullish trend. The ADX is declining, the bullish trend is weakening. Could be a potential reversal to the downside. +2
Erste Group Bank AG Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Erste Group Bank AG. The current sar is 73.10.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Erste Group Bank AG Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Erste Group Bank AG. The current rsi is 54.31. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 2/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending down: The RSI is trending down. -1
Erste Group Bank AG Daily Relative Strength Index (RSI) ChartErste Group Bank AG Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Erste Group Bank AG. The current phase is Oversold in bull market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Erste Group Bank AG price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Erste Group Bank AG Daily Stochastic Oscillator ChartErste Group Bank AG Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Erste Group Bank AG. The current cci is -24.16787932.

Erste Group Bank AG Daily Commodity Channel Index (CCI) ChartErste Group Bank AG Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Erste Group Bank AG. The current cmo is -6.42236979.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Erste Group Bank AG Daily Chande Momentum Oscillator (CMO) ChartErste Group Bank AG Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Erste Group Bank AG. The current willr is -86.30136986.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

  • WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1
Erste Group Bank AG Daily Williams %R ChartErste Group Bank AG Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Erste Group Bank AG.

Erste Group Bank AG Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Erste Group Bank AG. The current atr is 0.81850819.

Erste Group Bank AG Daily Average True Range (ATR) ChartErste Group Bank AG Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Erste Group Bank AG. The current obv is 7,280.

Erste Group Bank AG Daily On-Balance Volume (OBV) ChartErste Group Bank AG Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Erste Group Bank AG. The current mfi is 0.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -2/(-2 +2).

  • MFI < 50: -1
  • MFI < 20: -1
Erste Group Bank AG Daily Money Flow Index (MFI) ChartErste Group Bank AG Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Erste Group Bank AG.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-01-23MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-01-24MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-01-27MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-01-28STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-01-29STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-03DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-05SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-06DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-07CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-02-10STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-11MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-02-13STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-14ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-18STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-19STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-20RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2025-02-21ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-24STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-26CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-28SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-03MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-04WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-05STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-06SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-03-10STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-11CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-12SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-13SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-14CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-18STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-19STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-20WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-21STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-24STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-25STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-27CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-28STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-03-31SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-01DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-04-02DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-03DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-04BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-07ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-08RSI LONG ENTRY SHORT CLOSE30 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-09WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-04-10ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-14SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-04-16CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-17MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-22DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-23STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-24DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-29DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-30CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-02CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-05DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-06CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-07STOCH LONG EXITThe %K line crosses below the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-09ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-13STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-14RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-19STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-22STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-26SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-27STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-28SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-05-30STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-02MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-06-03STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-06-04MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-06-05STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-06STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-09MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-06-10RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-11MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-13SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).

6.3. Candlestick Patterns

Erste Group Bank AG Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Erste Group Bank AG based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5054.314
Ma 20Greater thanMa 5070.340
Ma 50Greater thanMa 10064.562
Ma 100Greater thanMa 20063.361
OpenGreater thanClose69.950
Total4/5 (80.0%)
Penke
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