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Caisse Régionale de Crédit Agricole du Morbihan (CMO.PA)

EUR117.22 -2.78 (-2.32%)
FR PAR Financial Services Banks - Regional
Address Avenue de Kéranguen 56956
Vannes, FR
CEO Christophe Grelier
IPO 2000-01-03
ISIN FR0000045551

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Description

Caisse Régionale de Crédit Agricole du Morbihan, based in Vannes, France, delivers a comprehensive array of banking and financial solutions across France. The institution serves a diverse client base, including private individuals, businesses, agricultural enterprises, and non-profit organizations. Its core financial offerings encompass current and savings accounts, alongside various time deposit options. CRCAM extends numerous lending facilities, such as mortgage loans, fixed-rate financing, medium-term credit, and options for loan takeovers. It also furnishes consumer, documentary, supplier, and short-term credit, in addition to discount products. For corporate clients, the bank delivers specialized services like export factoring, comprehensive cash flow and cash management, and trade finance. Digital banking is supported through a wide range of card products, remote access, and electronic banking services. The company also facilitates commercial domiciliation and affiliate management, while offering tailored private banking solutions. Furthermore, it provides bespoke financing solutions specifically designed for professionals and the agricultural sector. Beyond traditional banking, CRCAM's portfolio includes leasing options for real estate, IT operations, and furniture. It also arranges acquisition and foreign currency financing, assists with initial public offerings, and provides long-term rental services. The bank issues guarantees, including letters of credit, and manages receivables and documentary collection services. A significant part of its offering is an extensive suite of insurance products. This broad coverage spans property, various vehicle types (cars, motorcycles, scooters, mopeds, trucks, and trailers), home, leisure activities, mobile devices, health, cyber protection, life, and accident insurance. Agricultural clients benefit from specialized policies covering prairie, hail, animal mortality, farm operations, crop protection, and agri-income. Other unique coverages include privacy liability, funeral and death guarantees, rental guarantees, dwelling protection, and juridical protection. Additionally, employee savings plans, group insurance, and retirement insurance products are available. Caisse Régionale de Crédit Agricole du Morbihan operates through a network of 44 local branches.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR117.22 -2.78 (-2.32%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.1K
Beta
0.15
Float Shares
1.06M
Free Float %
68.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.48% -2.32% +3.47% +8.73% +20.50% +19.64% +48.48% +79.38% +55.26% +85.82% +194.50%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
117.22
DCF (Unlevered) 64.49 -45.0%
DCF (Levered) 13.59 -88.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.72
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +154.8% Q4'25: +41.3% (vs Q4'23)
  • EPS growth
    -0.4% Q4'25: +229.4% (vs Q4'23)
  • FCF margin
    Q4'25: +1.4% (vs Q4'23)
  • EBIT margin
    Q4'25: +5.7% (vs Q4'23)
  • ROIC
    Q4'25: +3.2% (vs Q4'23)
  • Share dilution
    +0.3% Q4'25: +0.3% (vs Q4'23)
  • Debt / EBITDA
    Q4'25: 0.22× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.17) × ERP
WACC = 96% × Ke + 4% × Kd (1,262.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 64.49 Current price: 117.22
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-28 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-27 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-26 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-25 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-22 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-21 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-20 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-19 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-18 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-15 B+ 3/5 3/5 2/5 3/5 4/5 3/5 4/5
2026-05-14 B+ 3/5 3/5 2/5 3/5 4/5 3/5 4/5
2026-05-13 B+ 3/5 3/5 2/5 3/5 4/5 3/5 4/5
2026-05-12 B+ 3/5 3/5 2/5 3/5 4/5 3/5 4/5
2026-05-11 B+ 3/5 3/5 2/5 3/5 4/5 3/5 4/5
2026-05-08 A- 4/5 2/5 2/5 3/5 4/5 4/5 5/5
2026-05-07 A- 4/5 2/5 2/5 3/5 4/5 4/5 5/5
2026-05-06 A- 4/5 2/5 2/5 3/5 4/5 4/5 5/5
2026-05-05 B+ 3/5 2/5 2/5 3/5 3/5 4/5 5/5
2026-05-04 B+ 3/5 2/5 2/5 3/5 3/5 4/5 5/5
2026-04-30 A- 4/5 3/5 2/5 3/5 3/5 4/5 5/5
2026-04-29 A- 4/5 3/5 2/5 3/5 3/5 4/5 5/5
2026-04-28 A- 4/5 3/5 2/5 3/5 3/5 4/5 5/5
2026-04-27 B+ 3/5 3/5 2/5 3/5 3/5 4/5 4/5
2026-04-24 B+ 3/5 3/5 2/5 3/5 3/5 4/5 4/5
2026-04-23 A- 4/5 3/5 2/5 4/5 3/5 4/5 5/5
2026-04-22 A- 4/5 3/5 2/5 4/5 3/5 4/5 5/5
2026-04-21 A- 4/5 3/5 2/5 4/5 3/5 4/5 5/5
2026-04-20 A- 4/5 3/5 2/5 4/5 3/5 4/5 5/5
2026-04-17 A- 4/5 3/5 2/5 4/5 2/5 4/5 5/5
2026-04-16 A- 4/5 3/5 2/5 4/5 2/5 4/5 5/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
36.20M
OE per share TTM
6.85
Owner's Yield
5.70%
Maintenance CapEx ratio
116.72%
Maint CapEx / Avg PPE
17.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
76.9K
Shares Outstanding
1.56M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Christophe Grelier Chief Executive Officer 450.5K male
Hervé Le Floc'h Chairman of the Board 90.1K male
Eric Dumont Head of Risk Management Function (RFGR)
Laurence Corman Director of Human Resources, Transformation & Communication
Philippe Baldous Director of Finance, Risk & Data male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits