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B+S Banksysteme AG (DTD2.DE)

EUR2.00 +0.06 (+3.09%)
DE XETRA Technology Software - Application
Address Elsenheimerstrasse 57 80687
Munich, DE
CEO Peter Bauch
Website bs-ag.com
IPO 2003-10-22
ISIN DE0001262152

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Description

B+S Banksysteme AG develops and distributes specialized software solutions for banks and various financial service providers. Their extensive product portfolio covers crucial areas like payment processing, comprehensive management of documentary transactions (such as import/export letters of credit, debt collection, and diverse guarantees), efficient account and currency administration, treasury operations, and robust risk management frameworks. A notable offering is DDBAC, a banking interface designed to streamline operations by enabling the retrieval of bank data, analysis of transaction histories, initiation of transfers, verification of account details, and the aggregation of multiple bank accounts. The company also furnishes solutions for precious metal trading, a range of e-banking services, and advanced banking APIs. Beyond core software development, B+S Banksysteme AG provides application sales, ongoing maintenance, Software-as-a-Service (SaaS) offerings, and data center services. Their diverse client base includes private, savings, and online banks, in addition to industrial sector companies. Founded in 1982, the firm is headquartered in Munich, Germany.

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
EUR2.00 +0.06 (+3.09%)
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Volume Profile
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Liquidity & share structure
Average Volume
2.5K
Beta
0.29
Float Shares
5.93M
Free Float %
95.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.39% +3.79% +10.61% +9.50% +2.34% +10.05% +23.73% +38.61% -50.45% +10.05% -55.67%
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
vs.
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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
2.00
DCF (Unlevered) 45.50 +2,175.1%
DCF (Levered) 80.39 +3,919.3%

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) 100% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
2.40
Grey zone
Piotroski F-Score
7 / 9
Strong
MOAT Score
4 / 10
Developing
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
5 / 5
High
Operational MOAT
✗ Below peers
  • ✗
    Revenue growth Software - Application: +13.0%
    -0.9% Q4'25: +13.5% (vs Q4'23)
  • ✓
    EPS growth Software - Application: +28.6%
    +15.0% Q4'25: +160.0% (vs Q4'23)
  • ✓
    FCF margin FCF growth · Software - Application: +45.3%
    +24.5% Q4'25: -17.8% (vs Q4'23)
  • ✗
    EBIT margin Software - Application: +9.4%
    +17.2% ★ Q4'25: +15.4% (vs Q4'23)
  • ✗
    ROIC Software - Application: +7.5%
    +8.9% ★ Q4'25: +15.8% (vs Q4'23)
  • ✓
    Share dilution Software - Application: +0.0%
    +0.0% Q4'25: -8.4% (vs Q4'23)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Software - Application: -1.16×
    3.12× Q4'25: 1.33× (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 (0.29) × ERP
WACC = 60% × Ke + 40% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 45.50 Current price: 2.00
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

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

Consensus Estimates
Metric Jun 2015
actual 		Jun 2016
actual 		Jun 2017
actual 		Jun 2018
actual 		Jun 2019
actual 		Jun 2020
actual 		Jun 2021
actual 		Jun 2022
actual 		Jun 2023
actual 		Jun 2024
actual 		Jun 2025
actual 		Jun 2026
1 Rev. Ana.
1 EPS Ana. 		Jun 2027
1 Rev. Ana.
1 EPS Ana. 		Jun 2028
1 Rev. Ana.
1 EPS Ana. 		Jun 2029
1 Rev. Ana.
1 EPS Ana. 		Jun 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
7.81M
est: 7.80M (+0.2%)
8.21M
est: 8.20M (+0.1%)
10.24M
est: 10.20M (+0.4%)
9.83M
est: 9.90M (-0.7%)
9.05M
est: 9.00M (+0.5%)
9.85M
est: 9.80M (+0.5%)
10.44M
est: 11.40M (-8.4%)
11.08M
est: 11.20M (-1.0%)
11.23M
est: 10.30M (+9.0%)
12.71M
est: 12.10M (+5.1%)
12.60M
est: 12.50M (+0.8%)
13.00M
13.00M – 13.00M
+4.0% YoY
13.50M
13.50M – 13.50M
+3.8% YoY
14.00M
14.00M – 14.00M
+3.7% YoY
14.50M
14.50M – 14.50M
+3.6% YoY
15.00M
15.00M – 15.00M
+3.4% YoY
EBITDA
1.45M
est: 1.21M (+20.2%)
1.15M
est: 1.27M (-9.2%)
3.32M
est: 1.58M (+110.3%)
2.12M
est: 1.53M (+38.3%)
578.0K
est: 1.39M (-58.5%)
1.13M
est: 1.51M (-25.6%)
1.22M
est: 1.76M (-30.7%)
2.05M
est: 1.73M (+18.6%)
1.29M
est: 1.59M (-19.0%)
3.07M
est: 4.29M (-28.4%)
2.91M
est: 4.43M (-34.2%)
4.60M
4.60M – 4.60M
+4.0% YoY
4.78M
4.78M – 4.78M
+3.8% YoY
4.96M
4.96M – 4.96M
+3.7% YoY
5.14M
5.14M – 5.14M
+3.6% YoY
5.31M
5.31M – 5.31M
+3.4% YoY
EBIT
1.10M
est: 319.0K (+245.8%)
752.0K
est: 335.3K (+124.3%)
2.65M
est: 417.1K (+535.8%)
1.54M
est: 404.8K (+281.1%)
-193.0K
est: 368.0K (-152.4%)
-191.0K
est: 400.8K (-147.7%)
-44.0K
est: 466.2K (-109.4%)
564.0K
est: 458.0K (+23.1%)
316.0K
est: 421.2K (-25.0%)
1.90M
est: 4.27M (-55.6%)
2.16M
est: 4.41M (-51.0%)
4.59M
4.59M – 4.59M
+4.0% YoY
4.77M
4.77M – 4.77M
+3.8% YoY
4.94M
4.94M – 4.94M
+3.7% YoY
5.12M
5.12M – 5.12M
+3.6% YoY
5.30M
5.30M – 5.30M
+3.4% YoY
Net Income
846.0K
est: 807.3K (+4.8%)
588.0K
est: 745.2K (-21.1%)
1.67M
est: 1.49M (+12.0%)
1.07M
est: 1.49M (-28.3%)
-333.0K
est: 621.0K (-153.6%)
-297.0K
192.0K
est: 745.2K (-74.2%)
16.0K
est: 186.3K (-91.4%)
441.0K
est: 62.1K (+610.2%)
1.24M
est: 745.2K (+65.7%)
1.45M
est: 1.06M (+37.4%)
1.37M
1.37M – 1.37M
+29.4% YoY
1.49M
1.49M – 1.49M
+9.1% YoY
1.61M
1.61M – 1.61M
+8.3% YoY
1.74M
1.74M – 1.74M
+7.7% YoY
1.93M
1.93M – 1.93M
+10.7% YoY
SGA
486.0K
est: 544.2K (-10.7%)
630.0K
est: 572.1K (+10.1%)
561.0K
est: 711.6K (-21.2%)
673.0K
est: 690.7K (-2.6%)
693.0K
est: 627.9K (+10.4%)
886.0K
est: 683.7K (+29.6%)
706.0K
est: 795.4K (-11.2%)
668.0K
est: 781.4K (-14.5%)
705.0K
est: 718.6K (-1.9%)
867.0K
est: 1.02M (-15.2%)
2.06M
est: 1.06M (+95.0%)
1.10M
1.10M – 1.10M
+4.0% YoY
1.14M
1.14M – 1.14M
+3.8% YoY
1.18M
1.18M – 1.18M
+3.7% YoY
1.22M
1.22M – 1.22M
+3.6% YoY
1.27M
1.27M – 1.27M
+3.4% YoY
EPS
0.14
est: 0.13 (+7.7%)
0.09
est: 0.12 (-21.1%)
0.27
est: 0.24 (+12.5%)
0.17
est: 0.24 (-29.2%)
-0.05
est: 0.10 (-153.6%)
-0.05
0.03
est: 0.12 (-74.3%)
0.00
est: 0.03 (-91.3%)
0.07
est: 0.01 (+610.0%)
0.20
est: 0.12 (+66.7%)
0.23
est: 0.17 (+35.3%)
0.22
0.22 – 0.22
+29.4% YoY
0.24
0.24 – 0.24
+9.1% YoY
0.26
0.26 – 0.26
+8.3% YoY
0.28
0.28 – 0.28
+7.7% YoY
0.31
0.31 – 0.31
+10.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 A 4/5 5/5 3/5 4/5 2/5 4/5 5/5
2026-05-27 A 4/5 5/5 3/5 4/5 2/5 4/5 5/5
2026-05-26 A 4/5 5/5 3/5 4/5 2/5 4/5 5/5
2026-05-25 A 4/5 5/5 3/5 4/5 2/5 4/5 5/5
2026-05-22 A+ 4/5 5/5 4/5 4/5 2/5 4/5 5/5
2026-05-21 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-05-20 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-05-19 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-05-18 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-05-15 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-05-14 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-05-13 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-05-12 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-05-11 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-05-08 A 4/5 5/5 3/5 4/5 2/5 4/5 5/5
2026-05-07 A 4/5 5/5 3/5 4/5 2/5 4/5 5/5
2026-05-06 A 4/5 5/5 3/5 4/5 2/5 4/5 5/5
2026-05-05 A 4/5 5/5 3/5 4/5 2/5 4/5 5/5
2026-05-04 A 4/5 5/5 3/5 4/5 2/5 4/5 5/5
2026-04-30 A 4/5 5/5 3/5 4/5 2/5 4/5 5/5
2026-04-29 A 4/5 5/5 3/5 4/5 1/5 4/5 5/5
2026-04-28 A 4/5 5/5 3/5 4/5 1/5 4/5 5/5
2026-04-27 A 4/5 5/5 3/5 4/5 1/5 4/5 5/5
2026-04-24 A 4/5 5/5 3/5 4/5 1/5 4/5 5/5
2026-04-23 A 4/5 5/5 3/5 4/5 1/5 4/5 5/5
2026-04-22 A 4/5 5/5 3/5 4/5 1/5 4/5 5/5
2026-04-21 A 4/5 5/5 3/5 4/5 1/5 4/5 5/5
2026-04-20 A 4/5 5/5 3/5 4/5 1/5 4/5 5/5
2026-04-17 A 4/5 5/5 3/5 4/5 1/5 4/5 5/5
2026-04-16 A 4/5 5/5 3/5 4/5 1/5 4/5 5/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
5.96M
OE per share TTM
0.95
Owner's Yield
43.84%
Maintenance CapEx ratio
16.69%
Maint CapEx / Avg PPE
23.7%

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
27.7K
Shares Outstanding
6.21M

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
Peter Bauch Head of Professional Services, Research & Development and Member of Management Board 308.0K male
Heinz Widmer Managing Director of B+S Bank Systems Switzerland Ltd — male
Magistrate Simon Berger Member of Management Board — —
Patrick Eder Managing Director of B+S Banking Systems Salzburg GmbH — —
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 history

Earnings history

Earnings reports

Stock splits

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