Acciones 2020. Análisis de Bendigo and Adelaide Bank

Buenos días, en nuestra cartera de acciones 2020 vamos a incluir una empresa australiana, presentamos hoy un análisis de Bendigo and Adelaide Bank. Ya sabéis que no soy un gran amigo de los bancos, pero tampoco queremos excluirlos totalmente de nuestra cartera, así que lo buscamos lo más lejos posible de Europa.

Análisis de Bendigo and Adelaide Bank.

Es una entidad financiera australiana fundada en 2007 por la fusión de Bendigo Bank y Adelaide Bank, tras rechazar Bendigo Bank la propuesta de adquisición del banco de Queensland.

Es el quinto banco de Australia, de todas formas es bastante pequeño, probablemente no podrá sobrevivir a los próximos 20 o 30 años, y en algún momento vendrá absorbido por una entidad mayor. Mientras tanto me gusta por lo menos para el 2020, creo que pueda sorprendernos y además paga un buen dividendo. Está en una fase de renovación directiva ya que su anciano presidente Robert Johanson’s se jubilará el próximo mes.

No está atravesando un gran momento con los recortes de tipos de interés y con sus altos costes por tener muchas sucursales. Este año ha cerrado 6 sucursales y reducido su personal de 50 unidades, nada en comparación con las grandes reducciones de sus competidores. Pero Bendigo and Adelaide es un banco particular, opera principalmente en zonas rurales, donde la edad media de la población es bastante alta y la gente prefiere aún los bancos tradicionales con oficinas y atenciones personalizadas.

La innovación y la tecnología no son exactamente el punto de fuerza de esta empresa, pero en este caso puede ser su ventaja. Puede valer más ser el mejor de los tradicionales que el cuarto o el quinto de los modernos y tecnológicos, y el hecho de ir contra tendencia podría ser su punto de fuerza. Las sucursales de Bendigo and Adelaide Bank son lugares bonitos y acogedores, parecen casi más cafeterías que bancos, y la atención al cliente es muy alta.

Volviendo a los problemas, ha perdido una disputa de décadas y no puede utilizar de manera monopolística su marca registrada «banco comunitario».

A pesar de los problemas me gusta este banco siempre gestionado de manera prudente que, si a veces puede perder algunas oportunidades, al mismo tiempo se queda lejos de los grandes peligros. Me gustan las facilidades que dan a las personas con discapacidad, sus subvenciones a programas sin fines de lucro, el hecho de no financiar empresas contaminadoras y proyectos contaminantes, su contribución activa a la reforestación…


Ingresos 2,92B
Ebitda 815M
Dividendo 0,70 (6,36%)
Acciones en circulación
BPA 0,7
PER 15,79
ROE 8,33


A largo plazo ha formado un triángulo gigante de una década que se está estrechando, ahora está entre los 9,20 y los 12,30 AUD. Difícilmente lo romperá.

A medio plazo está en tendencia alcista desde marzo, sería importante rebotar en el soporte de la línea de tendencia alcista, alrededor de los 10,80 AUD, para ir hacia los 12 AUD. Si pierde este soporte puede bajar hacia la base del triángulo. De momento esperamos, si no rompe la resistencia compraremos cerca de la base del triángulo.


Espero que os haya gustado el análisis de Bendigo and Adelaide Bank, por cualquier duda, opinión, consejo o sugerencia os invito a comentar el artículo. Hasta mañana.

Por favor, si has encontrado el artículo interesante pon me gusta y compártelo, muchas gracias.
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