# Canadian Banc Corp. (BK.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Financial Services / Capital Markets. Price C$15.93, market value C$859 million.

## Valuation
- **P/E (trailing): 2.1×** (5-yr avg 1.5×, 3-yr avg 1.8×). Canadian Banc Corp. trades at 2.1× trailing earnings, well above its own five-year average of 1.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 3.6×**. Each dollar of revenue is priced at 3.6×.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 0.5×**. Enterprise value is 0.5× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: -13.4%** (5-yr avg -32.2%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 47.7%**. The inverse of the P/E: 47.7% of the price is earned each year.

## Profitability
- **Gross margin: 98.2%**. Canadian Banc Corp. keeps 98.2% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 177.7%**. 177.7% of revenue is left after running the business, an exceptional level.
- **Return on equity: 33.1%**. 33.1% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 36.1%**. Each dollar of assets produces 36.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -79.1%** (3-yr 47.5%/yr). Revenue fell 79.1% over the last year.
- **EPS growth (1 yr): -11.6%**. Earnings per share fell 11.6%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: C$1.1 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 12.56%** (C$1.91 per share, trailing). Canadian Banc Corp. yields 12.56%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 44%**. 44% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): 23.0%/yr** (1-yr 17.0%). The dividend has compounded at 23.0% a year over five years, doubling roughly every 3 years at that pace.
- **Shareholder yield: -6.1%**. Dividends plus net buybacks return -6.1% of the market value a year.

## Price and momentum
- **Total return (1 yr): 83.3%** (YTD 28.0%, 3-mo 10.4%). The shares are up 83.3% over twelve months including dividends.
- **From 52-week high: -10.1%** (60.9% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 40**. An RSI of 40 is neutral.
- **Beta (1 yr): 0.62** (volatility 21%). Beta of 0.62 against the S&P/TSX Composite: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BK.TO · Page: https://foliofundamentals.com/stocks/bk.to

Not investment advice.