EBP.WA
Strong BuyPremium GrowerAI neutralErste Bank Polska S.A. · Financial Services · Poland · $21.0B
PLN 760.60 +0.0% · close 5 Oct · scored 7 Oct
StockRank down 1.4 since 6 Oct.
Premium Grower: Strong business with the market behind it, priced at a premium.
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Erste Bank Polska (formerly Santander Bank Polska) is one of Poland's largest banks, with strong profitability and momentum helped by high Polish interest rates. Its majority owner, Erste Group, has announced a voluntary tender offer for up to about 26% of the shares at roughly 713 zloty each. Polish press has described that price as disappointing. The offer gives the parent a larger share of future earnings at a price the market views as low, leaving minority holders with less upside. Polish bank taxes and possible rate cuts add further uncertainty.
ABOUT ERSTE BANK POLSKA S.A.
Read
Erste Bank Polska S.A. provides corporate banking, leasing, and financial advisory services to corporate clients in Poland. The bank leverages the extensive regional network and financial backing of its parent, Austria's Erste Group, to secure its market position. It operates as a niche corporate and institutional banking player focusing on cross-border Central European trade.
FINANCIAL SUMMARY (PLN)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 12.3B | 16.0B | 15.3B | 16.0B | 9.1% | 15.4B | 16.7B | 17.6B | 4.9% |
| EPS (PLN) | 27.39 | 47.28 | 51.01 | 63.40 | 32.3% | 54.60 | 60.77 | 68.57 | 4.0% |
| Shares | 102.2M | 102.2M | 102.2M | 102.2M | 0.0% | 102.2M | — | — | — |
| Debt | 15.8B | 12.3B | 17.9B | 17.9B | 4.3% | 33.7B | — | — | — |
| Equity | 26.7B | 31.8B | 32.5B | 35.4B | 9.9% | — | — | — | — |
| Op CF | 8.7B | 9.3B | 3.2B | 10.7B | 6.9% | -21.8B | — | — | — |
| Inv CF | 13.4B | -5.2B | -6.0B | -7.1B | — | — | — | — | — |
| Fin CF | -6.0B | -4.0B | -2.8B | -2.0B | — | — | — | — | — |
Calmer than 78% of stocks we rank over the past year (27% a year).
How this is worked out
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of EBP.WA are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| EBP.WA | Erste Bank Polska S.A.(you) | $21.0B | 86 | Strong Buy |
| PEO.WA | Bank Polska Kasa Opieki S.A. | $19.0B | 74 | Buy |
| PKO.WA | Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna | $39.9B | 65 | Hold |
| BNP.WA | BNP Paribas Bank Polska S.A. | $6.3B | 73 | Buy |
| BHW.WA | Bank Handlowy w Warszawie S.A. | $4.2B | 79 | Buy |
| MBK.WA | mBank S.A. | $16.5B | 50 | Hold |
| ING.WA | ING Bank Slaski S.A. | $15.8B | 47 | Hold |
| MIL.WA | Bank Millennium S.A. | $7.2B | 43 | Hold |
| PZU.WA | Powszechny Zaklad Ubezpieczen SA | $16.3B | 74 | Buy |
| ALR.WA | Alior Bank S.A. | $4.6B | 74 | Buy |
Peer medians: ROE 16.7% · P/E 10.5x · Gross margin 66.0%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.