Oberbank AG (OBS) - Net Assets
Based on the latest financial reports, Oberbank AG (OBS) has net assets worth €4.18 Billion EUR (≈ $4.88 Billion USD) as of June 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€28.85 Billion ≈ $33.73 Billion USD) and total liabilities (€24.67 Billion ≈ $28.85 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Read OBS total liabilities for a breakdown of total debt and financial obligations.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €4.18 Billion |
| % of Total Assets | 14.48% |
| Annual Growth Rate | 8.8% |
| 5-Year Change | 35.43% |
| 10-Year Change | N/A |
| Growth Volatility | 4.38 |
Oberbank AG - Net Assets Trend (2015–2024)
This chart illustrates how Oberbank AG's net assets have evolved over time, based on quarterly financial data. Also explore OBS total assets for the complete picture of this company's asset base.
Annual Net Assets for Oberbank AG (2015–2024)
The table below shows the annual net assets of Oberbank AG from 2015 to 2024. For live valuation and market cap data, see Oberbank AG (OBS) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €4.12 Billion ≈ $4.81 Billion |
+6.54% |
| 2023-12-31 | €3.86 Billion ≈ $4.52 Billion |
+8.91% |
| 2022-12-31 | €3.55 Billion ≈ $4.15 Billion |
+6.90% |
| 2021-12-31 | €3.32 Billion ≈ $3.88 Billion |
+9.18% |
| 2020-12-31 | €3.04 Billion ≈ $3.55 Billion |
+2.65% |
| 2019-12-31 | €2.96 Billion ≈ $3.46 Billion |
+5.81% |
| 2018-12-31 | €2.80 Billion ≈ $3.27 Billion |
+13.42% |
| 2017-12-31 | €2.47 Billion ≈ $2.88 Billion |
+8.06% |
| 2016-12-31 | €2.28 Billion ≈ $2.67 Billion |
+18.54% |
| 2015-12-31 | €1.93 Billion ≈ $2.25 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to Oberbank AG's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 74.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €2.44 Billion | 59.35% |
| Other Components | €1.67 Billion | 40.65% |
| Total Equity | €4.11 Billion | 100.00% |
Oberbank AG Competitors by Market Cap
The table below lists competitors of Oberbank AG ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
CNX Resources Corp
NYSE:CNX
|
$5.38 Billion |
|
Genpact Limited
F:35G
|
$5.38 Billion |
|
BRF SA ADR
NYSE:BRFS
|
$5.38 Billion |
|
Jfrog Ltd
NASDAQ:FROG
|
$5.39 Billion |
|
Atlantic Union Bankshares Corp
NYSE:AUB
|
$5.37 Billion |
|
Maha Properti Indonesia Tbk PT
JK:MPRO
|
$5.37 Billion |
|
Blue Owl Capital Corporation
NYSE:OBDC
|
$5.37 Billion |
|
Zhejiang Weiming Environment Protection Co Ltd
SHG:603568
|
$5.37 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Oberbank AG's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 3,854,392,000 to 4,107,375,000, a change of 252,983,000 (6.6%).
- Net income of 378,053,000 contributed positively to equity growth.
- Dividend payments of 70,609,000 reduced retained earnings.
- Other factors decreased equity by 54,461,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €378.05 Million | +9.2% |
| Dividends Paid | €70.61 Million | -1.72% |
| Other Changes | €-54.46 Million | -1.33% |
| Total Change | €- | 6.56% |
Book Value vs Market Value Analysis
This analysis compares Oberbank AG's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.40x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 1.27x to 1.40x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | €64.27 | €81.60 | x |
| 2018-12-31 | €72.97 | €81.60 | x |
| 2019-12-31 | €83.67 | €81.60 | x |
| 2020-12-31 | €86.29 | €81.60 | x |
| 2021-12-31 | €93.80 | €81.60 | x |
| 2022-12-31 | €50.18 | €81.60 | x |
| 2023-12-31 | €54.59 | €81.60 | x |
| 2024-12-31 | €58.22 | €81.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Oberbank AG utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.20%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 40.99%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 6.91x
- Recent ROE (9.20%) is above the historical average (7.71%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 8.66% | 35.91% | 0.03x | 9.50x | €-25.80 Million |
| 2016 | 7.95% | 37.88% | 0.02x | 8.41x | €-46.71 Million |
| 2017 | 8.13% | 39.41% | 0.02x | 8.47x | €-46.00 Million |
| 2018 | 8.06% | 43.02% | 0.02x | 7.96x | €-54.24 Million |
| 2019 | 7.28% | 37.35% | 0.03x | 7.73x | €-80.20 Million |
| 2020 | 4.04% | 21.76% | 0.02x | 8.06x | €-180.73 Million |
| 2021 | 7.05% | 39.75% | 0.02x | 8.32x | €-97.56 Million |
| 2022 | 6.84% | 39.31% | 0.02x | 7.57x | €-111.68 Million |
| 2023 | 9.89% | 45.21% | 0.03x | 7.22x | €-4.17 Million |
| 2024 | 9.20% | 40.99% | 0.03x | 6.91x | €-32.68 Million |
Industry Comparison
This section compares Oberbank AG's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $24,616,635,172
- Average return on equity (ROE) among peers: 6.63%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Oberbank AG (OBS) | €4.18 Billion | 8.66% | 5.91x | $5.38 Billion |
| Addiko Bank AG (ADKO) | $805.10 Million | 1.69% | 6.26x | $505.32 Million |
| BAWAG Group AG (BG) | $4.73 Billion | 16.06% | 14.07x | $10.42 Billion |
| BKS Bank AG (BKS) | $1.30 Billion | 7.14% | 5.81x | $923.33 Million |
| Erste Group Bank AG (EBS) | $34.66 Billion | 10.13% | 9.63x | $38.47 Billion |
| Raiffeisen Bank International AG (RBI) | $106.15 Billion | -0.46% | 0.15x | $13.59 Billion |
| Wiener Privatbank SE (WPB) | $43.35 Million | 5.22% | 6.55x | $53.55 Million |
About Oberbank AG
Oberbank AG provides various banking products and services. The company operates through Corporate and Business Banking, Retail Banking, and Financial Markets segments. It provides current, savings, student, and business accounts; consumer and housing finance; working capital loans; car, equipment, and real estate leasing; factoring and guarantees; life insurance, occupational disability insuranc… Read more