Bank of Queensland Limited (BKQNY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Bank of Queensland Limited (BKQNY) trades at $8.65 with AI Score 43/100 (Grade C). Bank of Queensland Limited (BKQNY) is an Australian financial institution offering a range of banking products and services to retail and business customers. Market cap: $2.84B, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for BKQNY: BKQNY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BKQNY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
BKQNY: the 1 perspectives are evenly split.
How is this calculated? →Bank of Queensland Limited (BKQNY) Financial Services Profile
Bank of Queensland Limited (BKQNY) is an Australian regional bank providing retail and business banking services, including loans, deposits, and insurance. Founded in 1874, it differentiates itself through owner-managed branches and a focus on customer relationships, competing with larger national banks and smaller regional players in the Australian financial market.
What Is the Investment Thesis for BKQNY?
Bank of Queensland presents a mixed investment thesis. The company's dividend yield of 5.56% may attract income-focused investors. However, the relatively high P/E ratio of 41.6 compared to peers suggests a premium valuation. Growth catalysts include expanding its digital banking platform and increasing its market share in business banking. Key risks include potential impacts from changes in Australian interest rates and increased competition from larger banks and fintech companies. Monitoring the company's profit margin of 2.6% and gross margin of 31.7% will be crucial for assessing its operational efficiency and profitability.
Based on FMP financials and quantitative analysis
BKQNY Key Highlights
- Market capitalization of $2.84B reflects its position as a regional bank in Australia.
- P/E ratio of 41.6 indicates a relatively high valuation compared to some of its peers.
- Dividend yield of 5.56% offers an attractive income stream for investors.
- Gross margin of 31.7% demonstrates its ability to generate revenue from its core banking activities.
- Beta of 0.76 suggests lower volatility compared to the overall market.
Who Are BKQNY's Competitors?
BKQNY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AFSIP AmTrust Financial Services, Inc. | $15.00 | +0.00% | $3.15B | 50 |
| AMLTF AMP Limited | $1.05 | +0.00% | $2.55B | 62 |
| BBAJF Banco del Bajío, S.A., Institución de Banca Múltiple | $3.10 | +0.00% | $3.69B | 61 |
| BDGSF Bank of Georgia Group PLC | $134.25 | -11.60% | $5.79B | 62 |
| CFIGY Challenger Limited | $53.61 | +22.68% | $3.67B | 44 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BKQNY's Key Strengths?
- Established presence in the Australian banking market.
- Network of owner-managed branches providing personalized service.
- Diversified range of financial products and services.
- Strong relationships with SME customers.
What Are BKQNY's Weaknesses?
- Smaller market share compared to major Australian banks.
- Lower profit margin compared to some competitors.
- Reliance on the Australian economy.
- Limited international presence.
What Could Drive BKQNY Stock Higher?
- Expansion of digital banking services to attract new customers and improve customer retention.
- Growth in the business banking segment by offering tailored financial solutions to SMEs.
- Strategic partnerships with fintech companies to enhance product offerings and reach new markets.
What Are the Key Risks for BKQNY?
- Financial-distress signal — its Altman Z-Score of -0.75 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 41.6 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Increased competition from larger banks and fintech companies in the Australian market.
- Changes in Australian interest rates impacting profitability and loan demand.
- Economic downturn affecting loan quality and overall financial performance.
- Regulatory changes impacting the banking sector and compliance costs.
What Are the Growth Opportunities for BKQNY?
- Expansion of Digital Banking Platform: BOQ can capitalize on the increasing demand for digital banking services by enhancing its online and mobile platforms. Investing in user-friendly interfaces, advanced security features, and personalized services can attract new customers and retain existing ones. The Australian digital banking market is projected to grow significantly, offering substantial opportunities for BOQ to increase its market share. Timeline: Ongoing.
- Growth in Business Banking: BOQ can focus on expanding its business banking segment by offering tailored financial solutions to SMEs. This includes providing access to loans, finance products, and merchant services. The SME sector in Australia is a significant contributor to the economy, presenting a large potential market for BOQ. By building strong relationships with business owners and offering competitive products, BOQ can drive growth in this segment. Timeline: Ongoing.
- Strategic Partnerships: BOQ can form strategic partnerships with fintech companies and other financial institutions to expand its product offerings and reach new customers. Collaborating with fintechs can enable BOQ to offer innovative solutions in areas such as payments, lending, and wealth management. These partnerships can enhance BOQ's competitiveness and drive growth. Timeline: Ongoing.
- Geographic Expansion: While BOQ has a presence across Australia, it can explore opportunities to expand its branch network and customer base in underserved regions. Identifying areas with strong economic growth and a demand for banking services can support BOQ's geographic expansion strategy. This can involve opening new branches, acquiring smaller banks or credit unions, or establishing partnerships with local businesses. Timeline: Ongoing.
- Focus on Sustainable Finance: BOQ can align its business practices with environmental, social, and governance (ESG) principles by offering sustainable finance products and services. This includes providing loans and investments to businesses that are committed to sustainability and reducing their environmental impact. The growing demand for sustainable finance presents an opportunity for BOQ to attract socially responsible investors and customers. Timeline: Ongoing.
What Opportunities Does BKQNY Have?
- Expansion of digital banking platform.
- Growth in business banking segment.
- Strategic partnerships with fintech companies.
- Geographic expansion into underserved regions.
What Threats Does BKQNY Face?
- Increased competition from larger banks and fintech companies.
- Changes in Australian interest rates.
- Economic downturn impacting loan demand.
- Regulatory changes affecting the banking sector.
What Are BKQNY's Competitive Advantages?
- Established brand and reputation in the Australian banking market.
- Network of owner-managed branches providing a personalized banking experience.
- Strong relationships with customers, particularly in the SME sector.
- Diversified range of financial products and services.
What Does BKQNY Do?
Bank of Queensland Limited (BOQ) was established in 1874 as the Brisbane Permanent Benefit Building and Investment Society. Over the years, it transitioned from a building society to a full-fledged bank, expanding its range of financial products and services. Today, BOQ operates across Australia, offering retail banking, business banking, and other financial services. Its retail banking segment provides savings and term deposits, transactional accounts, debit and credit cards, home and personal loans, and insurance products. The BOQ Business segment caters to small and medium-sized enterprises (SMEs) with transaction accounts, savings and investment accounts, loans, finance products, merchant services, and international services. As of August 31, 2022, BOQ's distribution network included 36 corporate branches, 111 owner-managed branches, and 7 transaction centers. The company emphasizes its customer-centric approach and its network of owner-managed branches, which it believes provides a more personalized banking experience.
What Products and Services Does BKQNY Offer?
- Provides personal banking services, including savings and term deposits.
- Offers transactional accounts and debit/credit cards.
- Provides home, personal, and car loans.
- Offers travel, home and content, landlord, and car insurance.
- Provides online share trading services.
- Offers self-managed superannuation funds.
- Provides business banking services, including transaction and savings accounts.
- Offers loans and finance products for businesses.
How Does BKQNY Make Money?
- Generates revenue through interest income from loans and advances.
- Earns fees from transaction accounts, credit cards, and other banking services.
- Provides financial market and international services for businesses.
- Offers merchant and payment products to businesses.
What Industry Does BKQNY Operate In?
Bank of Queensland operates in the Australian banking sector, which is dominated by a few major players. The industry is characterized by increasing competition, driven by the rise of fintech companies and changing customer preferences. The Australian Prudential Regulation Authority (APRA) regulates the banking sector, ensuring financial stability and consumer protection. BOQ competes with larger national banks like Australia and New Zealand Banking Group (ANZ), Commonwealth Bank of Australia (CBA), National Australia Bank (NAB), and Westpac (WBC), as well as other regional banks and credit unions. The market is seeing increased digital adoption, with banks investing heavily in online and mobile banking platforms.
Who Are BKQNY's Key Customers?
- Retail customers seeking personal banking services.
- Small and medium-sized enterprises (SMEs) requiring business banking solutions.
- Individuals looking for investment services and self-managed superannuation funds.
- Customers seeking insurance products for travel, home, and car.
FY2026 estForward Outlook
Wall Street analysts project Bank of Queensland Limited revenue of about $1.83B for fiscal 2026, with EPS near $1.14. The estimate reflects 8 contributing analysts.
Quarterly Financial Performance: Bank of Queensland Limited
Revenue for Bank of Queensland Limited came in at $2.26B during Q1 2026, a 10.9% contraction versus the preceding quarter. The company recorded net income of $127.9M, with diluted EPS of $0.40. Quarter-over-quarter revenue has been mixed, typical for a mid-cap company operating in Financial Services. Across the four most recent quarters, BKQNY averaged $0.18 in diluted EPS.
BKQNY Valuation & Market Position
With a $2.84B market cap, Bank of Queensland Limited sits in the mid-cap segment of the market. Relative to its peer group, BKQNY's quantitative score of 43/100 is below the peer average of 56/100.
ROE 2%Key Financial Metrics
Return on equity for Bank of Queensland Limited stands at 1.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.1%, showing how much profit it generates from its asset base. BKQNY trades at a trailing price-to-earnings ratio of 41.62, above the Financial Services sector average of ~18x. Its free cash flow yield is 15.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.05 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 2.4%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 8/9Financial Health
Bank of Queensland Limited's Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.75 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Bank of Queensland Limited operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Newstead, AU. The company is led by CEO Rodney Ian Finch. BKQNY has traded publicly since 2012.
BKQNY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established presence in the Australian banking market.
- Network of owner-managed branches providing personalized service.
- Diversified range of financial products and services.
- Strong relationships with SME customers.
Bear Case
- Smaller market share compared to major Australian banks.
- Lower profit margin compared to some competitors.
- Reliance on the Australian economy.
- Limited international presence.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $2.26B | $128M | $0.40 |
| Q3 2025 | $2.53B | -$38M | -$0.12 |
| Q1 2025 | $400M | $86M | $0.24 |
| Q3 2024 | $2.62B | $134M | $0.20 |
Based on FMP financials and quantitative analysis
BKQNY Latest News
No recent news available for BKQNY.
BKQNY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BKQNY.
Price Targets
Wall Street price target analysis for BKQNY.
BKQNY MoonshotScore
What does this score mean?
The MoonshotScore rates BKQNY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Racheal Kellaway
Managing Director & CEO
Racheal Kellaway is the Managing Director and CEO of Bank of Queensland Limited. Her background includes extensive experience in the financial services industry, with a focus on retail and business banking. Prior to joining BOQ, she held senior leadership roles at other major financial institutions, where she was responsible for driving growth, improving customer experience, and implementing digital transformation initiatives. She is known for her strategic vision, customer-centric approach, and ability to lead and motivate teams.
Track Record: Since assuming the role of Managing Director and CEO, Racheal Kellaway has focused on enhancing BOQ's digital capabilities, expanding its business banking segment, and improving its overall financial performance. Key milestones under her leadership include the launch of new digital banking products, the acquisition of smaller financial institutions, and the implementation of cost-efficiency measures. She has also emphasized the importance of sustainability and responsible banking practices.
Bank of Queensland Limited ADR Information Unsponsored
An American Depositary Receipt (ADR) like BKQNY represents shares of a non-U.S. company (Bank of Queensland) that are held by a U.S. depositary bank. It allows U.S. investors to easily invest in foreign companies without the complexities of cross-border transactions. BKQNY is an ADR representing ordinary shares of Bank of Queensland traded on the Australian Securities Exchange (ASX).
- Home Market Ticker: Australian Securities Exchange (ASX), Australia
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: BKQN
BKQNY OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Bank of Queensland Limited (BKQNY) has limited regulatory oversight and reporting requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies on this tier may not meet minimum financial standards or have chosen not to comply with stricter reporting rules. Investing in OTC Other stocks carries higher risks due to the lack of transparency and potential for fraud or manipulation.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited regulatory oversight and reporting requirements.
- Potential for fraud or manipulation due to lack of transparency.
- Limited liquidity and wider bid-ask spreads.
- Higher price volatility compared to stocks listed on major exchanges.
- Risk of delisting or suspension from the OTC market.
- Verify the company's registration and legal status.
- Obtain and review the company's financial statements, if available.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Consult with a financial advisor before investing.
- Understand the risks associated with investing in OTC stocks.
- Established history as Bank of Queensland Limited, founded in 1874.
- Operations as a regulated financial institution in Australia.
- Availability of some financial information, even if limited.
- Presence of the company's website and contact information.
- Listing on the Australian Securities Exchange (ASX) under the ticker BKQN.
Bank of Queensland Limited Financial Services Stock: Key Questions Answered
What does Bank of Queensland Limited do?
Bank of Queensland Limited (BOQ) provides a comprehensive suite of financial products and services to retail and business customers in Australia. Its retail offerings include savings accounts, loans, credit cards, and insurance. For businesses, BOQ offers transaction accounts, business loans, equipment finance, and merchant services. BOQ differentiates itself through its network of owner-managed branches, aiming to provide a more personalized banking experience compared to larger national banks. The company also invests in digital banking platforms to meet evolving customer preferences.
What do analysts say about BKQNY stock?
Analyst coverage of BKQNY is limited due to its OTC listing and ADR Level 1 status. Generally, analysts following Bank of Queensland (BKQN) on the ASX focus on its financial performance, including net interest margin, loan growth, and asset quality. Valuation metrics such as price-to-earnings ratio and dividend yield are also considered. Growth considerations include the company's ability to expand its digital banking services, increase its market share in business banking, and manage its operating expenses. Analyst ratings and price targets should be interpreted with caution due to the limited coverage.
What are the main risks for BKQNY?
Bank of Queensland faces several key risks. Increased competition from larger Australian banks and fintech companies could erode its market share. Changes in interest rates set by the Reserve Bank of Australia (RBA) can impact its net interest margin and profitability. An economic downturn in Australia could lead to higher loan losses and reduced demand for banking services. Regulatory changes and compliance costs also pose ongoing challenges. Furthermore, its OTC listing introduces risks related to liquidity and transparency.
What are the key factors to evaluate for BKQNY?
Bank of Queensland Limited (BKQNY) holds an AI score of 43/100 (low). P/E: 41.6x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does BKQNY data refresh on this page?
BKQNY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BKQNY's recent stock price performance?
Bank of Queensland Limited (BKQNY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in the Australian banking market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BKQNY overvalued or undervalued right now?
Bank of Queensland Limited (BKQNY) trades at 41.6x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying BKQNY?
Before investing in Bank of Queensland Limited (BKQNY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be less reliable than exchange-listed data.