Bank of Cyprus Holdings Public Limited Company (BKCYF) Stock Analysis
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 Cyprus Holdings Public Limited Company (BKCYF) trades at $12.21 with AI Score 49/100 (Grade C). Bank of Cyprus Holdings Public Limited Company provides a range of banking, financial, and insurance services. Market cap: $5.32B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for BKCYF: BKCYF 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 BKCYF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
BKCYF: 1/3 scored disciplines lean bullish. Dominant signal: Ken Griffin bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Bank of Cyprus Holdings Public Limited Company (BKCYF) Financial Services Profile
Bank of Cyprus Holdings Public Limited Company, established in 1899, is a leading financial institution in Cyprus, providing diverse banking, financial, and insurance services. With a market capitalization of $5.32B and a dividend yield of 7.19%, the company serves individuals, SMEs, and corporate clients through its extensive branch network and digital platforms.
What Is the Investment Thesis for BKCYF?
Bank of Cyprus Holdings Public Limited Company presents an interesting investment opportunity based on its strong market position in Cyprus and its attractive dividend yield of 7.19%. With a P/E ratio of 3.8 and a profit margin of 41.6%, the company demonstrates solid profitability. Key value drivers include its diversified service offerings, ranging from traditional banking to insurance and investment services, and its established branch network. Growth catalysts include the expansion of digital banking services and potential for increased lending activity in the Cypriot market. However, potential risks include regulatory changes, economic conditions in Cyprus, and competition from other financial institutions. Monitoring the company's ability to maintain its profitability and adapt to changing market conditions is crucial.
Based on FMP financials and quantitative analysis
BKCYF Key Highlights
Market capitalization of $5.32B, reflecting its significant presence in the Cypriot financial market.
- P/E ratio of 3.8, suggesting a potentially undervalued stock compared to its earnings.
- Profit margin of 41.6%, indicating efficient operations and strong profitability.
- Gross margin of 90.0%, demonstrating a high level of efficiency in its core banking operations.
- Dividend yield of 7.19%, offering an attractive income stream for investors.
Who Are BKCYF's Competitors?
BKCYF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BKEAF The Bank of East Asia, Limited | $2.15 | +5.91% | $5.68B | 44 |
| BKEAY The Bank of East Asia, Limited | $2.10 | -6.67% | $5.55B | 65 |
| BKZHF Santander Bank Polska S.A. | $166.92 | +0.00% | $17.1B | 56 |
| BXRBF Bendigo and Adelaide Bank Limited | $7.71 | +0.00% | $4.35B | 44 |
| FINN First National of Nebraska, Inc. | $19500.00 | +0.00% | $5.27B | 56 |
| ASB Associated Banc-Corp | $30.78 | -0.10% | $5.81B | 94 |
| FBP First BanCorp. | $28.41 | -0.19% | $4.34B | 97 |
| UBSI United Bankshares, Inc. | $47.70 | +0.02% | $6.57B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BKCYF's Key Strengths?
Strong market position in Cyprus.
- Diversified range of banking, financial, and insurance products.
- Established branch network and digital banking platform.
- High gross margin and profit margin.
What Are BKCYF's Weaknesses?
Concentration of operations in Cyprus, limiting geographic diversification.
- Exposure to the Cypriot economy and regulatory environment.
- Potential for increased competition from other financial institutions.
- Dependence on interest income, making it vulnerable to interest rate fluctuations.
What Could Drive BKCYF Stock Higher?
Expansion of digital banking services, attracting new customers and increasing transaction volumes.
- Increased lending activity driven by economic recovery in Cyprus.
- Potential strategic partnerships with fintech companies to enhance digital capabilities.
- Cross-selling of insurance products to existing banking customers.
- Growth in wealth management services for high-net-worth individuals.
What Are the Key Risks for BKCYF?
Financial-distress signal — its Altman Z-Score of -0.35 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Regulatory changes and increased compliance costs impacting profitability.
- Economic downturn in Cyprus affecting loan performance and asset quality.
- Cybersecurity risks and data breaches compromising customer data and financial stability.
- Competition from other financial institutions and fintech companies.
- Interest rate fluctuations affecting net interest margin and profitability.
What Are the Growth Opportunities for BKCYF?
- Expansion of Digital Banking Services: Bank of Cyprus can capitalize on the increasing adoption of digital banking by expanding its online and mobile platforms. The global digital banking market is projected to reach $1.61 trillion by 2027, presenting a significant opportunity for the company to attract new customers and enhance customer experience. Timeline: Ongoing.
- Increased Lending Activity: As the Cypriot economy recovers, there is potential for increased lending activity across various sectors, including housing, business, and consumer loans. By offering competitive loan products and streamlining the application process, Bank of Cyprus can capture a larger share of the lending market. The total loan market in Cyprus is estimated to grow by 3-5% annually. Timeline: Ongoing.
- Cross-Selling of Insurance Products: Bank of Cyprus can leverage its existing customer base to cross-sell insurance products, such as motor, home, and life insurance. By offering bundled products and personalized insurance solutions, the company can increase its revenue per customer and strengthen customer loyalty. The insurance market in Cyprus is expected to grow by 4% annually. Timeline: Ongoing.
- Wealth Management Services: With a growing affluent population in Cyprus, there is an increasing demand for wealth management services. Bank of Cyprus can expand its wealth management offerings to cater to high-net-worth individuals and families, providing investment advice, portfolio management, and estate planning services. The global wealth management market is projected to reach $145 trillion by 2030. Timeline: Ongoing.
- Strategic Partnerships: Bank of Cyprus can form strategic partnerships with fintech companies and other financial institutions to expand its product offerings and reach new customer segments. By collaborating with innovative companies, the bank can enhance its digital capabilities and offer cutting-edge financial solutions. The fintech market is expected to grow by 20% annually. Timeline: Ongoing.
What Are BKCYF's Competitive Advantages?
- Established brand reputation and long history in Cyprus.
- Extensive branch network providing a strong physical presence.
- Diversified range of banking, financial, and insurance products.
- Strong relationships with local businesses and communities.
- Significant market share in the Cypriot banking sector.
What Does BKCYF Do?
Bank of Cyprus Holdings Public Limited Company, founded in 1899 and headquartered in Nicosia, Cyprus, has evolved into a comprehensive financial services provider. Initially established to serve the local Cypriot community, the bank has expanded its offerings to include a wide array of banking, financial, and insurance products. These encompass traditional banking services such as current, savings, and deposit accounts, alongside a variety of loan products including housing, student, consumer, and business loans. The bank also provides specialized financing options like asset finance, factoring, and trade facilities. Beyond lending and deposit services, Bank of Cyprus offers an extensive suite of card products, including debit, credit, and prepaid cards, complemented by digital banking solutions and payment services. The company's insurance arm provides motor, home, business, life, and health insurance products. Furthermore, Bank of Cyprus engages in investment banking, brokerage, asset and wealth management, and custody services. The bank also participates in property trading and development activities, including the operation of a golf resort. As of June 30, 2022, Bank of Cyprus operated 86 branches across Cyprus, serving a diverse clientele ranging from individual customers to large corporations.
What Products and Services Does BKCYF Offer?
- Offers current, savings, and deposit accounts.
- Provides housing, student, consumer, and business loans.
- Offers asset finance, factoring, and trade facilities.
- Issues debit, credit, and prepaid cards.
- Provides digital banking and payment services.
- Offers motor, home, business, life, and health insurance products.
- Provides investment banking, brokerage, and asset management services.
- Engages in property trading and development activities.
How Does BKCYF Make Money?
- Generates revenue from interest income on loans.
- Earns fees from banking services, such as account maintenance and transaction processing.
- Receives commissions from insurance product sales.
- Derives income from investment banking and asset management activities.
- Profits from property trading and development projects.
What Industry Does BKCYF Operate In?
Bank of Cyprus Holdings Public Limited Company operates within the regional banking sector, which is influenced by macroeconomic conditions, regulatory frameworks, and technological advancements. The Cypriot banking sector is characterized by a mix of local and international players, each vying for market share. Trends such as increasing digitalization of banking services and evolving customer preferences are shaping the competitive landscape. The company's ability to adapt to these trends and maintain its market position will be crucial for its long-term success. The European Central Bank's monetary policies also significantly impact the profitability and growth prospects of banks in Cyprus.
Who Are BKCYF's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized enterprises (SMEs) requiring business loans and financial solutions.
- Corporate clients needing investment banking and corporate lending services.
- High-net-worth individuals seeking wealth management services.
- Customers looking for insurance products.
Bank of Cyprus Holdings Public Limited Company (BKCYF) Valuation Context
Valued at $5.32B, BKCYF is classified as a mid-cap stock. Relative to its peer group, BKCYF's quantitative score of 49/100 is roughly in line with the peer average of 53/100.
BKCYF Revenue & Earnings Trend
In Q2 2026, BKCYF generated $289.1M in top-line revenue, marking a sequential increase of 4.6%. The company recorded net income of $130.8M, with diluted EPS of $0.30. Quarter-over-quarter revenue has been mixed, typical for a mid-cap company operating in Financial Services. Across the four most recent quarters, BKCYF averaged $0.29 in diluted EPS.
Company Profile
Bank of Cyprus Holdings Public Limited Company operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Nicosia, CY. The company is led by CEO Panicos Nicolaou. BKCYF has traded publicly since 2017.
Key Financial Metrics
Return on equity for Bank of Cyprus Holdings Public Limited Company stands at 19.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.9%, showing how much profit it generates from its asset base. BKCYF trades at a trailing price-to-earnings ratio of 3.81, below the Financial Services sector average of ~18x. Its free cash flow yield is -4.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 26.2%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Bank of Cyprus Holdings Public Limited Company's Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -0.35 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project Bank of Cyprus Holdings Public Limited Company revenue of about $1.19B for fiscal 2026, with EPS near $1.16. The estimate reflects 6 contributing analysts.
BKCYF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong market position in Cyprus.
- Diversified range of banking, financial, and insurance products.
- Established branch network and digital banking platform.
- High gross margin and profit margin.
Bear Case
- Concentration of operations in Cyprus, limiting geographic diversification.
- Exposure to the Cypriot economy and regulatory environment.
- Potential for increased competition from other financial institutions.
- Dependence on interest income, making it vulnerable to interest rate fluctuations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $289M | $131M | $0.30 |
| Q1 2026 | $276M | $121M | $0.28 |
| Q4 2025 | $299M | $128M | $0.29 |
| Q3 2025 | $284M | $118M | $0.27 |
Based on FMP financials and quantitative analysis
BKCYF Latest News
No recent news available for BKCYF.
BKCYF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BKCYF.
Price Targets
Wall Street price target analysis for BKCYF.
BKCYF MoonshotScore
What does this score mean?
The MoonshotScore rates BKCYF 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Panicos Nicolaou
CEO
Panicos Nicolaou serves as the CEO of Bank of Cyprus Holdings Public Limited Company, managing a workforce of 2843 employees. His career spans various leadership roles within the financial sector, bringing extensive experience in banking operations, strategic planning, and risk management. He is known for his expertise in navigating complex regulatory environments and driving digital transformation initiatives. His leadership is focused on enhancing customer experience and improving operational efficiency.
Track Record: Under Panicos Nicolaou's leadership, Bank of Cyprus has focused on strengthening its capital base, improving asset quality, and expanding its digital banking capabilities. He has overseen the implementation of key strategic initiatives aimed at enhancing profitability and shareholder value. His tenure has been marked by a commitment to sustainable growth and responsible banking practices.
BKCYF OTC Market Information
The OTC Other tier, where BKCYF trades, represents securities that are not listed or quoted on a national exchange like the NYSE or NASDAQ. These securities often belong to companies with limited operating history, smaller market capitalization, or those that do not meet the listing requirements of major exchanges. Investing in OTC Other securities involves higher risks compared to exchange-listed stocks due to less stringent regulatory oversight and reporting requirements.
- OTC Tier: OTC Other
- Limited regulatory oversight compared to exchange-listed companies.
- Potential for information asymmetry due to less stringent reporting requirements.
- Higher price volatility due to lower trading volumes.
- Increased risk of fraud or manipulation.
- Liquidity risk, making it difficult to buy or sell shares quickly.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's regulatory compliance and legal standing.
- Understand the risks associated with investing in OTC securities.
- Consult with a financial advisor before making any investment decisions.
- Long operating history since 1899.
- Significant market capitalization of $5.32B.
- Established presence in the Cypriot financial market.
- Availability of some financial information, even if disclosure level is unknown.
- Operations regulated by the Central Bank of Cyprus.
What Investors Ask About Bank of Cyprus Holdings Public Limited Company (BKCYF) — Financial Services
What does the AI Score mean for BKCYF?
BKCYF holds an AI Score of 49/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Bank of Cyprus Holdings Public Limited Company provides a range of banking, financial, and insurance services. With a history dating back to 1899, the company operates primarily in Cyprus, offering …
What does Bank of Cyprus Holdings Public Limited Company do?
Bank of Cyprus Holdings Public Limited Company operates as a comprehensive financial services provider, offering a wide range of banking, financial, and insurance products. Its core business involves accepting deposits and providing loans to individuals, SMEs, and corporate clients. Additionally, the company offers investment banking, brokerage, asset management, and insurance services. It generates revenue through interest income, fees, commissions, and investment gains, primarily serving the Cypriot market.
What are the main risks for BKCYF?
The main risks for Bank of Cyprus Holdings Public Limited Company include regulatory changes, economic conditions in Cyprus, and competition from other financial institutions. Increased compliance costs and potential economic downturns could negatively impact profitability and asset quality. Cybersecurity risks and data breaches also pose a threat to customer data and financial stability. Furthermore, competition from fintech companies and alternative financial providers could erode market share.
What are the key factors to evaluate for BKCYF?
Bank of Cyprus Holdings Public Limited Company (BKCYF) holds an AI score of 49/100 (low). P/E: 3.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does BKCYF data refresh on this page?
BKCYF's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven BKCYF's recent stock price performance?
Bank of Cyprus Holdings Public Limited Company (BKCYF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in Cyprus. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BKCYF overvalued or undervalued right now?
Bank of Cyprus Holdings Public Limited Company (BKCYF) trades at 3.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research BKCYF before investing?
Before investing in Bank of Cyprus Holdings Public Limited Company (BKCYF), 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) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding BKCYF to a portfolio?
Key strength of Bank of Cyprus Holdings Public Limited Company (BKCYF): Strong market position in Cyprus. Weigh rewards against risks and diversify. Not financial advice.
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.
- OTC data may have limited availability and reliability.
- AI analysis pending for further insights.