EBO:NZXEBOS Group Limited Analysis
Data as of 2026-07-28 - not real-time
€57.00
Latest Price
6/10Risk
Risk Level: Medium
Executive Summary
Erste Group Bank (EBO) is trading at €57, comfortably above its 20‑day (57.58) and 50‑day (54.74) SMAs and the 200‑day SMA (50.01), indicating a bullish price backdrop. The RSI sits at a neutral 51.6, while the MACD histogram is negative and the signal line is higher than the MACD line, flagging short‑term bearish momentum despite the overall uptrend. Volume has been decreasing, and the stock is approaching its immediate resistance at €60, with support near €55.5. Market sentiment is extremely optimistic, reflected by a Fear & Greed Index of 87.5 ("Extreme Greed").
Fundamentally, the bank delivers strong operating (43.9%) and profit margins (30.4%) and posted a robust 28.9% revenue growth year‑over‑year. Valuation appears attractive: the trailing P/E of 13.3 is well below the industry average of 18, though the forward P/E jumps to 27, suggesting earnings may soften. The dividend yield of 0.67% is modest but sustainable with a payout ratio of 34.8%, and ROE stands at a healthy 12.5% despite a high‑volatility profile (30% 30‑day) and a max drawdown of about 23%.*
Fundamentally, the bank delivers strong operating (43.9%) and profit margins (30.4%) and posted a robust 28.9% revenue growth year‑over‑year. Valuation appears attractive: the trailing P/E of 13.3 is well below the industry average of 18, though the forward P/E jumps to 27, suggesting earnings may soften. The dividend yield of 0.67% is modest but sustainable with a payout ratio of 34.8%, and ROE stands at a healthy 12.5% despite a high‑volatility profile (30% 30‑day) and a max drawdown of about 23%.*
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 6/10
Key Factors
- Price above key moving averages supports upside
- Bearish MACD histogram and decreasing volume raise caution
- Proximity to resistance at €60 limits immediate upside
Medium Term
1–3 yearsPositive
Model confidence: 7/10
Key Factors
- Trailing P/E well below industry average indicates valuation upside
- Strong operating margins and 28.9% revenue growth
- Sustainable dividend with low payout ratio
Long Term
> 3 yearsPositive
Model confidence: 8/10
Key Factors
- Solid ROE and consistent profitability
- Long‑term dividend stability despite short‑term cash‑flow pressure
- Resilient market position across Central and Eastern Europe
Key Metrics & Analysis
Financial Health
Revenue Growth28.90%
Profit Margin30.39%
P/E Ratio13.3
ROE12.52%
ROA1.12%
P/B Ratio1.9
Op. Cash Flow€-3567000064
Industry P/E18.0
Technical Analysis
TrendBullish
RSI51.6
Support€55.50
Resistance€60.00
MA 20€57.58
MA 50€54.74
MA 200€50.01
MACDBearish
VolumeDecreasing
Fear & Greed Index87.48
Valuation
GradeFair
TypeBlend
Dividend Yield0.67%
Risk Assessment
Beta0.94
Volatility29.73%
Sector RiskMedium
Reg. RiskMedium
Geo RiskMedium
Currency RiskMedium
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.