Should I buy Bank Of Queensland stock in 2025?

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At HelloSafe, our expert has been tracking the performance of Bank of Queensland for over three years. Every month, hundreds of thousands of users in Australia trust us to analyse market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by Bank of Queensland.

What is Bank Of Queensland?

How much is Bank Of Queensland stock?

The price of Bank Of Queensland stock is falling this week. Today, BOQ is trading at $7.78 AUD, down 0.89% over the last 24 hours and 1.02% over the past week. The company has a market capitalisation of $5.11 billion, with an average daily trading volume of 2.47 million shares over three months. BOQ posts a price/earnings ratio of 17.29 and offers a dividend yield of 4.63%. Its stock beta is 0.82, indicating moderate volatility. This profile makes BOQ an interesting option for those seeking yield with balanced risk in the Australian market.

Our full analysis of the Bank Of Queensland stock

After reviewing Bank Of Queensland’s most recent financial results and analysing the share’s performance over the past three years, we have drawn on a combination of financial indicators, technical signals, market data and peer benchmarking via our proprietary algorithms. The confluence of these unique sources provides a holistic, multi-dimensional perspective on the bank’s resilience and prospects. So, why might Bank Of Queensland stock once again become a strategic entry point into the Australian banking sector in 2025?

Recent performance and market context

Bank Of Queensland has experienced a notable recovery in its share price, rising more than 16% over the past six months and gaining 31.6% year-on-year, now trading at $7.78 AUD. This strong rebound marks a break from last year’s underperformance and reflects renewed investor confidence in regional banking stocks. Recent catalysts include the release of H1 2025 results with net profit up 13% year-on-year to $171 million AUD, outperforming analyst expectations by a sizeable margin—cash earnings were 10–11% above Citi estimates. The successful payment of a fully franked interim dividend and continued digital transformation announcements contributed to an optimistic tone in the market. In the context of a moderate economic recovery and an improving outlook for Australian consumer confidence, Bank Of Queensland seems well positioned to capitalise on better credit conditions and sector tailwinds. Notably, this outperformance comes amid a highly competitive national landscape, underlining the bank’s operational agility and strategic discipline.

Technical analysis

The technical picture for Bank Of Queensland is increasingly constructive. While the share has recently pulled back from its 52-week high of $8.16, strong technical support is evident at $7.73—tested repeatedly during recent market volatility. The 6-month trend remains bullish, with the price solidly above both the 50- and 100-day moving averages, and key momentum indicators such as the MACD and the 5-day moving average confirming medium-term upward momentum. Although the RSI sits at 44.86, suggesting a brief consolidation or pause, the ongoing positive signals from several moving averages (including a fresh buy signal on the 5-day MA) highlight excellent risk/reward potential for new entrants. These technical structures suggest that Bank Of Queensland could be in the early phase of a new bullish cycle, especially if it breaks and sustains above current resistance at $8.16.

Fundamental analysis

Bank Of Queensland’s fundamentals are robust and justify renewed interest from both institutional and private investors. Revenue for the first half of 2025 reached $799 million AUD, up 2.2% from the prior year, while net profit advanced 13%—a clear demonstration of successful cost controls and margin management, with the profit margin increasing to 21%. The price/earnings ratio stands attractively at 17.29, balancing growth potential with defensive qualities in the context of regional banking. The dividend yield, at a healthy 4.63%, is 100% franked, providing tax credits for resident investors and reliable passive income streams. Strategic priorities—including an accelerated digital transformation, operational simplification, and a focus on high-yield commercial lending—provide promising levers for further value creation. Coupled with a “flawless” balance sheet and a storied brand presence in Australia since 1874, these advantages highlight enduring competitive strengths. Projected annual revenue growth (4.73%) and profit growth (9.49%) surpass sector averages, supporting the view that Bank Of Queensland is fundamentally undervalued relative to future earnings power.

Volume and liquidity

Bank Of Queensland’s average three-month trading volume sits at a robust 2.47 million shares per day—sustained, consistent turnover that signals deep market confidence and provides efficient liquidity for institutions and private clients alike. With a healthy free float and market capitalisation exceeding $5.1 billion AUD, the stock enjoys dynamic price discovery and is well placed to capture valuation uplifts as positive news emerges. This marketplace depth facilitates strategic entry and exit, which is a significant advantage for both tactical traders and long-term portfolio managers.

Catalysts and positive outlook

The coming quarters are likely to be rich with upward catalysts for Bank Of Queensland. Chief among them is the group’s ambitious digital transformation program, targeting near-complete migration to a cutting-edge mortgage platform by FY26—an initiative expected to improve efficiency, customer satisfaction, and margins. Simultaneously, the bank’s operational simplification drive is delivering clear cost benefits and positioning it to respond nimbly to evolving market conditions. Expansion in digital lending and continued gains in high-yield segments provide further springboards for earnings growth, while analyst sentiment from Citi and Morgan Stanley remains openly optimistic following the latest results. Macro trends, including a solidifying domestic economic recovery, regulatory support for innovation, and favourable shifts in consumer spending, should provide additional impetus. The recent dividend payout not only confirms management’s confidence but also strengthens the appeal for Australian investors seeking both yield and capital growth opportunities.

Investment strategies

There are compelling arguments for considering both short- and long-term positions in Bank Of Queensland at current levels. For tactical traders, the current consolidation zone near technical support offers a clear entry point, with upside targets at the $8.16 resistance area and medium-term projections pointing to the $10.11 level (+30%). Medium-term investors can benefit from the likely continuation of the stock’s bullish trend, fuelled by profitability, innovation, and strategic market share gains. For long-term investors, structural value creation through digital expansion, progressive dividend policy, and prudent risk management create attractive prospects for capital appreciation and sustainable income. Entry around current prices could therefore represent an excellent opportunity to capture both immediate momentum and the medium- to long-term upside associated with the digital transformation and earnings growth.

Is it the right time to buy Bank Of Queensland?

Bank Of Queensland currently seems to represent an excellent opportunity for investors seeking a blend of yield, growth, and defensive resilience in the Australian market. Its fundamental strengths—solid earnings momentum, strategic clarity, healthy dividend yield, and adaptive digital investments—combine to support a positive and sustainable valuation trajectory. Technical indicators and volume confirm a new phase of market interest, while powerful forward catalysts, including digital expansion and a strongly capitalised balance sheet, further enhance the outlook. While the regional banking sector remains competitive and not without its risks, Bank Of Queensland’s renewed momentum and proven flexibility point to a new bullish phase in 2025. The fundamentals justify renewed interest, and the current market context makes the stock worthy of close consideration by investors seeking multiyear value in Australia’s evolving financial sector. In summary, Bank Of Queensland stands out as an attractive entry point for investors aligned with the sector’s future and seeking compelling risk-adjusted returns as the financial year advances.

How to buy Bank Of Queensland stock in Australia

Buying Bank Of Queensland stock online is straightforward and secure with any regulated Australian broker. Investors can either purchase shares directly (spot buying) or use Contracts for Difference (CFDs) to speculate on price movements. Spot buying means you actually own the shares and benefit from dividends, while CFDs allow leveraged trading without share ownership. Both methods are accessible via user-friendly trading platforms, each with different fees and risks. For further details on the top brokers available in Australia, see our broker comparison further down the page.

Spot buying

Cash purchase means directly buying Bank Of Queensland shares on the ASX through your broker. Typically, Australian brokers charge a fixed commission per order—often around $5 to $10 per transaction, depending on the platform.

Bank Of Queensland Share Gain Scenario

If the Bank Of Queensland share price is $7.78 AUD, you can buy around 128 shares with a $1,000 stake, including a brokerage fee of around $5.

Gain scenario:

If the share price rises by 10%, your shares are now worth $1,100.

Result: +$100 gross gain, i.e. +10% on your investment.

Trading via CFD

CFD trading allows you to speculate on the price movement of Bank Of Queensland shares without actually owning them. You can use leverage to increase your market exposure, though this also magnifies both gains and losses. Main fees for CFDs include the bid/ask spread and overnight financing if a position is held longer than a day.

Gain scenario for a leveraged CFD position

You open a CFD position on Bank Of Queensland shares, with 5x leverage. This gives you a market exposure of $5,000. ✔️ Gain scenario: If the stock rises by 8%, your position gains 8% × 5 = 40%. Result: +$400 gain, on a bet of $1,000 (excluding fees).

Final advice

Before investing, compare the fees, conditions, and available services from different brokers to ensure you’re getting the most value. Whether you choose direct share ownership or trade via CFDs, selecting the right method depends mainly on your goals and risk profile. For more detailed options and up-to-date offers, consult our full broker comparison below.

Our 7 tips for buying Bank Of Queensland stock

The latest news about Bank Of Queensland

Bank Of Queensland delivered a strong first-half 2025 result with net profit rising 13% year-on-year. The bank’s net profit reached 171 million AUD for the six months ending February 2025, outpacing analyst expectations and representing a significant improvement in profitability and margins compared to the previous year, which has provided a reassuring signal to investors in the local financial sector.

The company announced a fully franked interim dividend of 18 cents per share, reinforcing its appeal to Australian income investors. This dividend, distributed in late May, underscores Bank Of Queensland’s commitment to returning value to shareholders through well-supported, tax-effective income—a key feature for residents who benefit from Australia’s franking credit system.

Shares remain near two-year highs after resilient financial performance and positive analyst sentiment. Following strong results, the stock traded around 7.78 AUD, up over 31% year-on-year and maintaining momentum despite short-term pullbacks. Citi and Morgan Stanley analysts have maintained an optimistic stance, citing the bank's robust results and ongoing strategic initiatives.

Digital transformation efforts are set to further boost future growth and competitive positioning in Australia. Bank Of Queensland's ongoing shift to digital mortgage platforms and enhancement of operational processes aims to improve customer experience and operational efficiency by FY26, positioning the bank to capture new market opportunities and support future margin expansion.

The bank upholds a solid balance sheet and demonstrates focus on sustainable long-term growth for Australian investors. With consistently strong capital ratios, a well-managed cost base, and a regional banking heritage dating back to 1874, Bank Of Queensland stands out for its ability to adapt, maintain stability, and offer potential for steady dividend income in Australia’s dynamic banking landscape.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.