BST/FM7 (BST/FM7)

Stuttgart Stock Exchange: BST/FM7 · EUR

€68.5

-1.00 (-1.4%)· Recorded snapshot

Market cap	1.4B
Revenue (ttm)	647M
Net income (ttm)	154.5M
EPS (ttm)	€7.32
P/E (trailing)	9.6x
P/E (forward)	8.3x
Dividend	€0.17 (0.25%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 647M
Net income (ttm): 154.5M
EPS (ttm): €7.32
P/E (trailing): 9.6x
P/E (forward): 8.3x
Market cap: 1.4B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E8.3

P25 n/aP50 n/aP75 n/a

Trailing P/E9.6

P25 n/aP50 n/aP75 n/a

ROE21

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BST/FM7 indicators

Market & fundamental data

Available fields

189

Groups with data

Currency

USD

Showing 189 of 189 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	United States
Country code	DE
Earnings date	2026-10-21
Employees	1,224
Employees change	14
Employees growth	1.18%
Exchange	Stuttgart Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	September
Founded	1954
Industry	Banks - Regional
Is primary listing	No
ISIN number	US59100U1088
Last earnings date	2026-10-21
Last refreshed	2026-10-28
Last stock split date	2018-10-05
Last stock split type	Forward
Market cap	EUR 1.4B
Next earnings date	2026-10-28
Price	EUR 68.50
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-27
Symbol	bst/FM7
Website	https://www.pathwardfinancial.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	11.86x
Average P/E ratio (3Y)	9.05x
Average P/E ratio (5Y)	8.97x
Earnings yield	10.45%
FCF yield	30.28%
Forward P/E	8.27x
Graham number	77.99863
Graham upside	11.43%
Industry P/E	10.75x
Lynch fair value	EUR 38.03
Lynch upside	-45.68%
P/B ratio	1.97x
P/E ratio	9.57x
P/FCF ratio	3.3x
P/OCF ratio	2.27x
P/S ratio	2.2x
Price / tangible book value	3.15x
Sector forward P/E	11.95x
Sector P/E	12.95x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	14.03%
FCF margin	63.71%
Operating margin	28.48%
Pretax margin	27.93%
Profit margin	23.91%
Profit per employee	EUR 126,248
Profitable quarters	60
Profitable years	16
Revenue per employee	EUR 528,581
ROA	2.45%
ROA (5Y)	2.37%
ROE	21.03%
ROE (5Y)	22.36%
Tax / revenue	3.92%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	3.4%
EPS growth (Q)	9.29%
EPS growth (QoQ)	35.3%
EPS growth 10Y	20.13%
EPS growth 3Y	15.81%
EPS growth 5Y	13.21%
EPS growth years	12
FCF growth	301.2%
FCF growth 5Y	-3.7%
Net income growth	-5.49%
Net income growth (Q)	-0.45%
Net income growth (QoQ)	33.34%
Net income growth 3Y	7.53%
Net income growth 5Y	4.77%
Net income growth years	2
OCF growth	140.24%
OCF growth 10Y	28.55%
OCF growth 3Y	59.9%
OCF growth 5Y	1.84%
Revenue growth	-5.82%
Revenue growth (Q)	-9.11%
Revenue growth (QoQ)	7.11%
Revenue growth 10Y	15.53%
Revenue growth 3Y	6.1%
Revenue growth 5Y	8.11%
Revenue growth years	12

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -195.7M
EPS	EUR 7.32
Financing cash flow	EUR -156.1M
Free cash flow	EUR 430.6M
Gross profit	EUR 647M
Income taxes	EUR 25.4M
Investing cash flow	EUR -565.2M
Net borrowing	EUR 47.2M
Net cash flow	EUR -97.9M
Net income	EUR 154.5M
Operating income	EUR 184.3M
Revenue	EUR 647M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	EUR 34.81
Debt / equity	0.45
Debt / FCF	0.75
Net cash (debt)	EUR -181.1M
Net cash / market cap	-12.73%
Net debt / equity	0.25
Net debt / FCF	0.42
Piotroski F-Score	4
Property, plant and equipment	EUR 144.2M
Shareholders' equity	EUR 722.4M
Tangible book value	EUR 451.6M
Tangible book value per share	EUR 21.77
Total assets	EUR 6.4B
Total cash	EUR 143M
Total debt	EUR 324.1M
Total liabilities	EUR 5.7B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -5.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	8.38%
Dividend growth	-3.6%
Dividend growth (10Y)	4.56%
Dividend growth (3Y)	-2.87%
Dividend growth (5Y)	0.68%
Dividend growth years	0
Dividend payment date	2026-10-01
Dividend payment years	10
Dividend payout frequency	Quarterly
Dividend per share	EUR 0.17
Dividend yield	0.25%
Ex-dividend date	2026-09-10
Last dividend	EUR 0.04
Payout ratio	2.36%
Shareholder yield	8.63%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	EUR 72.42
1D price change	-1.44%
1M price change	8.53%
1M total return	8.53%
1W price change	9.38%
1W total return	9.38%
20-day SMA	EUR 65.33
200-day SMA	EUR 73.32
3M price change	-7.28%
3M total return	-7.23%
50-day SMA	EUR 67.10
50-day SMA vs 200-day SMA	50under200
52-week high	EUR 85.50
52-week high date	2026-04-17
52-week low	EUR 57.00
52-week low date	2025-11-18
5Y price change	69.9%
5Y return CAGR	11.64%
5Y total return	73.39%
6M price change	-6.67%
6M total return	-6.55%
All-time high	EUR 85.50
All-time high date	2026-04-17
All-time low	EUR 12.10
All-time low date	2020-05-14
Average true range (ATR)	EUR 1.52
Average volume	0
Change from 52-week high	-19.88%
Change from 52-week low	20.18%
Change from all-time high	-18.13%
Change from all-time low	478.51%
Change from open	-2.14%
Day's gap	0.72%
High price	EUR 70.00
Low price	EUR 68.00
Monthly RSI	61.16
Open price	EUR 70.00
Position in 52-week range	25%
Previous close	EUR 69.50
Price vs 150-day SMA	-3.34%
Price vs 20-day SMA	7.16%
Price vs 200-day SMA	-4.53%
Price vs 50-day SMA	4.32%
RSI	67.57
Sharpe ratio	1.16
Sharpe ratio (3Y)	0.94
Sortino ratio	2.09
Sortino ratio (3Y)	1.68
Weekly RSI	51.16
YTD price change	13.82%
YTD total return	14.03%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	20.5M
Shares change (QoQ)	-1.48%
Shares change (YoY)	-8.38%
Shares held by insiders	1.31%
Shares held by institutions	101.75%
Short ratio	14 days

Deeper analysis on BST/FM7

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this BST/FM7 report

Is a complete BST/FM7 research report available?

No complete published report is available for bst/FM7 (BST/FM7) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BST/FM7 (BST/FM7)

Price

Financial snapshot

Fair-value bridge

Latest news · BST/FM7

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BST/FM7 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BST/FM7

Frequently asked questions