B+S Banksysteme (DTD2.DE) Stock Price

B+S Banksysteme Price

XETRA·CLOSED
1.96EUR-0.04 (-2.28 %)
Market closed

Revenue has compounded at 7.7% per year over the past 19 years to 12.60 M EUR. Earnings per share have grown at 15.9% per year over the last 16 years. B+S Banksysteme's net margin stands at 11.5%, up from 1.8% several years earlier. Analysts set a median price target of 4.79 EUR, implying 145.2% above the current price. Of 7 analysts, 6 rate the stock a buy — an overall Buy consensus. The stock trades about 11% above its 52-week low.

B+S Banksysteme stock price

Volume
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of B+S Banksysteme over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how B+S Banksysteme stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing B+S Banksysteme's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

B+S Banksysteme Stock Price History
DateB+S Banksysteme Price
8/13/20261.96 EUR
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8/14/20251.80 EUR
Access this data via the Eulerpool API

B+S Banksysteme Revenue, EBIT, Net Income

  • 3 Years

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  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2023
11.23 M EUR
235,000.00 EUR
441,000.00 EUR
Jan 1, 2024
12.71 M EUR
1.75 M EUR
1.24 M EUR
Jan 1, 2025
12.60 M EUR
2.16 M EUR
1.45 M EUR
Jan 1, 2026 (e)
13.00 M EUR
4.59 M EUR
1.37 M EUR
Jan 1, 2027 (e)
13.50 M EUR
4.77 M EUR
1.49 M EUR
Jan 1, 2028 (e)
14.00 M EUR
4.94 M EUR
1.61 M EUR
Jan 1, 2029 (e)
14.50 M EUR
5.12 M EUR
1.74 M EUR
Jan 1, 2030 (e)
15.00 M EUR
5.30 M EUR
1.93 M EUR

B+S Banksysteme Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 14, 2026, 4:30 AM
 
REVENUEM EUR
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM EUR
EBITM EUR
EBIT MARGIN%
NET INCOMEM EUR
NET INCOME GROWTH%
SHARESM
201520162017201820192020202120222023202420252026e2027e2028e2029e2030e
7.008.0010.009.009.009.0010.0011.0011.0012.0012.0013.0013.0014.0014.0015.00
14.2925.00-10.0011.1110.009.098.337.697.14
42.8637.5040.0033.3322.2211.1110.009.0918.1841.6733.3333.3333.3333.3333.3333.33
3.003.004.003.002.001.001.001.002.005.004.004.334.334.674.675.00
1.002.001.001.002.004.004.004.005.005.00
14.2920.0011.118.3316.6730.7730.7728.5735.7133.33
1.001.001.001.001.001.001.001.001.00
5.686.126.076.346.216.216.216.216.786.216.216.216.216.216.216.21
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales B+S Banksysteme generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue B+S Banksysteme retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare B+S Banksysteme's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares B+S Banksysteme has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against B+S Banksysteme's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

B+S Banksysteme stock margins

The B+S Banksysteme margin analysis displays the gross margin, EBIT margin, as well as the profit margin of B+S Banksysteme. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for B+S Banksysteme.
  • 3 Years

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  • Max

Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2021
14.35 %
-0.50 %
1.84 %
Jan 1, 2022
15.83 %
0.71 %
0.14 %
Jan 1, 2023
19.85 %
2.09 %
3.93 %
Jan 1, 2024
46.46 %
13.75 %
9.71 %
Jan 1, 2025
32.26 %
17.17 %
11.52 %
Jan 1, 2026 (e)
32.26 %
35.31 %
10.51 %
Jan 1, 2027 (e)
32.26 %
35.31 %
11.04 %
Jan 1, 2028 (e)
32.26 %
35.31 %
11.53 %

B+S Banksysteme Stock Revenue, EBIT, Earnings per Share

The B+S Banksysteme earnings per share therefore indicates how much revenue B+S Banksysteme has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

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  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2021
1.68 EUR
-0.01 EUR
0.03 EUR
Jan 1, 2022
1.78 EUR
0.01 EUR
0.00 EUR
Jan 1, 2023
1.66 EUR
0.03 EUR
0.07 EUR
Jan 1, 2024
2.05 EUR
0.28 EUR
0.20 EUR
Jan 1, 2025
2.03 EUR
0.35 EUR
0.23 EUR
Jan 1, 2026 (e)
2.09 EUR
0.74 EUR
0.22 EUR
Jan 1, 2027 (e)
2.17 EUR
0.77 EUR
0.24 EUR
Jan 1, 2028 (e)
2.25 EUR
0.80 EUR
0.26 EUR

B+S Banksysteme business model & stock analysis

B+S Banksysteme AG is a company specializing in the development and implementation of software solutions for banks. The company was founded in 1991 as an independent GmbH and is headquartered in Ravensburg, Germany. The business model of B+S Banksysteme AG focuses on providing customized IT solutions tailored to the needs of its customers. The company works closely with its customers to understand their requirements and expectations and design appropriate solutions. B+S Banksysteme AG offers a wide range of products and services, including online banking solutions, mobile banking apps, e-banking software, and specialized financial software solutions. The company also provides services such as training, maintenance, and support. Throughout its history, B+S Banksysteme AG has specialized in various sectors, particularly private banks, savings banks, and corporate customer banks. The company works with a variety of partners to offer customized solutions. The first major project of B+S Banksysteme AG was the development of an online banking solution for Sparkasse customers. This solution was introduced in 1997 and has contributed to the increasing focus of the banking industry on the use of online and e-banking solutions. In the following years, B+S Banksysteme AG continuously expanded its product range and improved its services. The company also entered international markets and now works with customers in Europe, Asia, and Africa. B+S Banksysteme AG currently employs around 250 employees specialized in various departments such as development, sales, or support. The company takes pride in being an attractive employer that offers its employees diverse career opportunities. At the core of B+S Banksysteme AG's corporate philosophy is the belief that every customer is unique and requires individual solutions to achieve their business goals. The company reaffirms this in its slogan: "Your solution is our goal." B+S Banksysteme AG continuously works to improve the customer experience, build long-term relationships with its customers, and establish itself as a trusted partner in the banking industry. Overall, B+S Banksysteme AG has established itself as one of the leading providers of banking systems in Germany and beyond. With its extensive expertise and innovative solutions, the company is well-equipped to successfully meet the challenges of the banking industry in the future.

B+S Banksysteme SWOT Analysis

Strengths

B+S Banksysteme AG has several strengths that contribute to its success. These include:

  • Strong brand reputation in the banking industry
  • Extensive experience and expertise in developing banking systems
  • Advanced technology infrastructure and software solutions
  • Solid financial position and stability
  • Strong relationships with existing clients

Weaknesses

B+S Banksysteme AG also faces certain weaknesses, which it needs to address in order to maintain its competitiveness:

  • Relatively small market share compared to larger competitors
  • Dependency on a limited number of key clients
  • Limited geographic presence
  • Higher costs of customization and implementation
  • Limited product diversification

Opportunities

Despite challenges, B+S Banksysteme AG can leverage various opportunities in the market:

  • Increasing demand for digital banking solutions
  • Growing market for financial technology (fintech)
  • Potential partnerships with other banking institutions
  • Expansion into new geographic regions
  • Potential for product innovation and development

Threats

B+S Banksysteme AG should be wary of the following threats that could impede its progress:

  • Intense competition from large banking system providers
  • Rapid technological advancements, potentially making existing systems obsolete
  • Regulatory changes and compliance requirements
  • Economic downturns and fluctuations
  • Potential security breaches and fraud risk

B+S Banksysteme Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

B+S Banksysteme historical P/E ratio, EBIT multiple, and P/S ratio

B+S Banksysteme annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

B+S Banksysteme shares outstanding

The number of shares of B+S Banksysteme was 6.21 M in 2025. This indicates how many shares B+S Banksysteme is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
  • 3 Years

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  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
6.21 M Stocks
Jan 1, 2022
6.21 M Stocks
Jan 1, 2023
6.78 M Stocks
Jan 1, 2024
6.21 M Stocks
Jan 1, 2025
6.21 M Stocks
Jan 1, 2026 (e)
6.21 M Stocks
Jan 1, 2027 (e)
6.21 M Stocks
Jan 1, 2028 (e)
6.21 M Stocks

B+S Banksysteme stock splits

In B+S Banksysteme's history, there have been no stock splits.

Current B+S Banksysteme forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
4.08 %
Buy
85.71 % (6)
Hold
14.29 % (1)
Sell
0.00 % (0)
12M Price Target
4.79
Last Price
2.00
Currency
EUR
12M Return Potential
139.70 %
LTM Return
0 %

B+S Banksysteme shareholder structure

% Name
26.42014%
Berger (Wilhelm)
Berger (Wilhelm)
21.97011%
Bauch (Peter)
Bauch (Peter)
5.10003%
Hiss (Tom)
Hiss (Tom)
2.94402%
PEN GmbH
PEN GmbH
1.61033%
Berger (Simon)
Berger (Simon)
1.28827%
Bertl (Johann)
Bertl (Johann)

B+S Banksysteme Beneficial Ownership Filings (SEC 13D/G)

Free Float
95.5%
Float Shares
-
Shares Outstanding
-

B+S Banksysteme Executives and Management Board

4 members · avg. age 64 · 25 % women

PB

Mr. Peter Bauch (53)

Member of the Management Board

71,000.00 EUR
WB

Mr. Wilhelm Berger (74)

Chairman of the Supervisory Board · since 2008

15,000.00 EUR
MS

Mag. Hanna Spielbuechler

Deputy Chairman of the Supervisory Board

10,000.00 EUR
SB

Mr. Simon Berger

Member of the Management Board

B+S Banksysteme Supply Chain

B+S Banksysteme Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
13 companies
#NameTrend
1
Volkswagen Vz
Customer·Automobiles·DE
0.52
0.49
-0.22
0.67
0.74
0.85
2
Mercedes-Benz Group
Customer·Automobiles·DE
-0.39
-0.14
-0.19
0.52
0.59
0.82
3
ING Groep
Customer·Banks·NL
-0.65
-0.49
-0.13
0.72
0.56
0.77
4
DXC Technology
Customer·IT Services·US
-0.56
0
-0.61
0.12
0.48
0.75
5
BNP Paribas A
Customer·Banks·FR
0.23
-0.42
-0.30
0.32
-0.01
0.64
#NameTrend
1
Oldenburgische Landesbank AG
Customer·IT Services·DE
-0.34
0.77
-0.61
0.57
0.84
2
Berner Kantonalbank
Customer·Banks·CH
0.11
0.50
0.19
-0.58
-0.67
-0.77
3
KB Basel PS
Customer·Banks·CH
0.10
0.66
-0.18
-0.36
-0.53
0.13
4
Commerzbank
Customer·Banks·DE
-0.24
-0.57
-0.37
0.07
-0.46
0.29
5
Apple
Supplier·Customer·Technology Hardware, Storage & Peripherals·US
-0.27
0.65
0.22
0.24
-0.65
0.29

Frequently asked questions about B+S Banksysteme

The business model of B+S Banksysteme AG is focused on developing and providing innovative banking software solutions. B+S Banksysteme AG offers a comprehensive range of digital banking products and services to financial institutions, including core banking systems, online banking platforms, and mobile banking applications. By leveraging its expertise in information technology and banking, B+S Banksysteme AG aims to support financial institutions in enhancing their operational efficiency, improving customer experience, and staying competitive in the rapidly evolving landscape of financial services. With a strong commitment to quality, reliability, and customer satisfaction, B+S Banksysteme AG continues to establish itself as a leading provider of banking software solutions.

B+S Banksysteme AG is primarily active in the financial technology (fintech) industry.

Some of the main competitors of B+S Banksysteme AG in the market include SAP SE, Oracle Corporation, and FIS Global. These companies provide similar banking system solutions and services to financial institutions around the world. B+S Banksysteme AG, however, has established its presence by offering innovative and customized software solutions specifically tailored to meet the needs of banks and financial institutions. With its strong focus on delivering advanced banking technology, B+S Banksysteme AG continues to differentiate itself from competitors by providing superior software solutions to its global clientele.

B+S Banksysteme AG is a renowned company specializing in the development and implementation of banking software solutions. With its roots dating back to 1982, B+S Banksysteme AG has accumulated extensive knowledge and experience in the banking industry. Over the years, the company has consistently adapted to changing market needs, evolving into a leading provider of innovative banking software. B+S Banksysteme AG's expertise encompasses the entire banking process, including core banking, payments, digital banking, and regulatory compliance. With a strong commitment to customer satisfaction and continuous technological advancements, B+S Banksysteme AG has positioned itself as a reliable and trusted partner for financial institutions globally.

B+S Banksysteme AG has achieved significant milestones throughout its history. Some noteworthy achievements include expanding its presence in the financial sector, establishing itself as a leading provider of innovative banking solutions. The company has successfully developed and implemented cutting-edge technology, empowering financial institutions to streamline their operations and improve customer satisfaction. B+S Banksysteme AG has also formed strategic partnerships with key players in the industry, enhancing its competitiveness and market reach. Constantly evolving and adapting to the ever-changing demands of the banking industry, B+S Banksysteme AG remains committed to delivering top-notch solutions and driving digital transformation in the financial sector.

B+S Banksysteme AG, a leading company in the banking systems industry, primarily operates in Germany. With its headquarters based in Zurich, Switzerland, the company focuses on providing innovative solutions and services to the financial sector. B+S Banksysteme AG has a strong presence in Europe, catering to various countries including Austria, Switzerland, and Luxembourg. Through its extensive network and expertise, the company aims to streamline banking processes and enhance efficiency for financial institutions across the region.

B+S Banksysteme AG represents strong values and a clear corporate philosophy. The company is committed to providing innovative and reliable software solutions and services for the banking industry. With a focus on efficiency, security, and customer satisfaction, B+S Banksysteme AG aims to empower financial institutions with cutting-edge technology. The company values collaboration, transparency, and integrity, fostering long-term partnerships with its clients. B+S Banksysteme AG strives to continually enhance its products and adapt to the evolving needs of the banking sector. With a reputation for excellence and a customer-centric approach, B+S Banksysteme AG is at the forefront of the financial software industry.

Analysts currently set an average price target of 4.79 EUR for the B+S Banksysteme stock (median: 4.79 EUR), implying +139.7 % versus the latest price. The consensus is based on 7 analyst ratings.

7 analysts currently rate the B+S Banksysteme stock: 6 recommend buying, 1 holding and 0 selling. For 2026, analysts expect B+S Banksysteme to generate revenue of 13.00 M EUR and earnings per share of 0.22 EUR.

The B+S Banksysteme share (DTD2.DE) is listed on 7 stock exchanges, including: XETRA (DTD2.DE), Frankfurt (DTD2.F), München (DTD2.MU), Düsseldorf (DTD2.DU), Hamburg (DTD2.HM), London (0NVU.L), SIX (Zürich) (DTD2.SW).

The B+S Banksysteme AG is an innovative company based in Vienna, specializing in the development and implementation of software solutions for banks and financial service providers. This article describes the company's business model by examining its various divisions and products. The core division of B+S Banksysteme AG is software development. The company has developed a wide range of solutions tailored to the diverse requirements of the banking sector. This includes products for electronic payment systems, online banking, mobile payments, risk management and compliance, liquidity control, and more. B+S products stand out for their high functionality and user-friendliness, enabling users to perform their daily tasks more effectively and efficiently. B+S Banksysteme AG also offers consulting services. The company has an experienced team of consultants specialized in the banking sector. These consultants are able to develop customized solutions for specific customer requirements and assist them in integrating these solutions into their existing systems. This service is often utilized by customers with specific needs or requiring assistance with regulatory compliance. Another important product of B+S Banksysteme AG is the payment gateway. This solution allows banks and financial service providers to accept payments from customers originating from a variety of online and offline sources. B+S payment gateway supports all major payment methods, including credit card, bank transfer, direct debit, and e-wallets. It is also integrated with most major payment processors, facilitating seamless integration for customers. B+S Banksysteme AG also offers software tools for banking services. These tools include systems for payment monitoring, risk monitoring, customer account monitoring, and online banking management. B+S tools are suitable for banks and financial institutions of all sizes and complexity. They can be used by both small domestic banks and international major banks. B+S Banksysteme AG also provides training services for its products and services to its customers. Training allows employees of customer banks to quickly familiarize themselves with the new software, increasing workflow efficiency. Training activities range from on-site training to online training. In summary, the business model of B+S Banksysteme AG is focused on developing the most innovative and customized solutions for the banking sector. The company has a wide portfolio of products and services that cater to the needs of banks of all sizes and complexity. Customers benefit from the high level of functionality and user-friendliness of the offered products and services, contributing to the improvement of their business processes.

The expected revenue of B+S Banksysteme is 13.00 M EUR. This figure is based on current financial data and reflects the company's business performance.

The expected profit of B+S Banksysteme is 1.37 M EUR. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of B+S Banksysteme is currently 8.89. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the B+S Banksysteme stock.

The price-to-sales ratio (P/S) of B+S Banksysteme is currently 0.93. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the B+S Banksysteme stock.

The Eulerpool Quality Score for B+S Banksysteme is 4/10.

The ISIN of B+S Banksysteme is DE0001262152. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of B+S Banksysteme is 126215. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of B+S Banksysteme is DTD2.DE. The ticker symbol is used to trade B+S Banksysteme shares on the stock exchange.

B+S Banksysteme paid dividends every year for the past 0 years.

B+S Banksysteme is assigned to the 'Information technology' sector.

The dividends of B+S Banksysteme are distributed in EUR.

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Our stock analysis for B+S Banksysteme stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of B+S Banksysteme. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.