Bendigo Bank share price has been making waves lately, especially as we hit mid-November 2025, with investors scratching their heads over its latest dip. If you’re like me, dipping your toes into the stock market feels a bit like trying to predict the weather in Melbourne—sunny one minute, stormy the next. But don’t worry; I’ve got your back. As someone who’s tracked Aussie banks for years, I’ll break down everything from the nitty-gritty of today’s numbers to the bigger picture that could shape tomorrow’s gains. Whether you’re a newbie eyeing your first portfolio or a seasoned trader tweaking your holdings, this guide on the Bendigo Bank share price will arm you with the insights you need to make smart moves.
Picture this: Bendigo and Adelaide Bank, often just called Bendigo Bank, isn’t your typical big-city behemoth like the Commonwealth or NAB. It’s the friendly neighborhood lender, rooted in regional Australia, serving over a million customers with a focus on community vibes and ethical banking. Founded back in 1836 as the Bendigo Banking Co., it merged with Adelaide Bank in 2007, listing on the ASX under the ticker BEN. Today, its shares aren’t just numbers on a screen; they’re a reflection of Australia’s economic heartbeat—housing booms, rate hikes, and all. And right now, with the Bendigo Bank share price hovering around $11.64 as of November 11, 2025, it’s a prime time to unpack why it’s dipped and where it might climb next.
Current Snapshot: Where Does the Bendigo Bank Share Price Stand Today?
Let’s cut to the chase—what’s the Bendigo Bank share price doing right this second? As I type this on November 12, 2025, it’s sitting at approximately $11.64 AUD, down about 8% from last week’s levels after a quarterly update that left some investors grumbling. That’s not just a random blip; it’s a reaction to flat cash earnings in Q1 FY26, clocking in at $120.7 million—barely budging from last year but slipping 3.2% from the prior quarter. Ouch, right? But hold on; this isn’t a sinking ship. The net interest margin ticked up to 1.91%, a small win in a world where borrowing costs are squeezing everyone.
Why the volatility? Shares opened at $12.53 on November 11 but closed lower amid broader market jitters. The 52-week range? It’s bounced between $10.50 and $13.20, showing resilience but also sensitivity to interest rate whispers from the RBA. If you’re plotting your next trade, think of the Bendigo Bank share price like a rubber band—stretched tight by economic pressures but ready to snap back with positive news. Trading volume spiked yesterday to over 5 million shares, way above the average 2.5 million, signaling real interest (or panic, depending on your glass-half-full outlook).
Diving deeper, the dividend yield is holding steady at around 2.8% based on the recent 33-cent payout for FY25. That’s not flashy compared to high-yield miners, but for a bank stock, it’s a cozy safety net. Market cap sits at about $4.2 billion, making BEN a mid-cap darling—big enough for stability, nimble enough for growth. And let’s not forget the CET1 ratio at 10.93%; that’s regulators’ way of saying Bendigo Bank’s got a solid buffer against storms.
The Rollercoaster Ride: A Historical Look at Bendigo Bank Share Price Trends
Ever wonder how we got here with the Bendigo Bank share price? It’s not a straight shot up; it’s more like a bush track through the outback—full of twists, dust, and the occasional kangaroo hop. Let’s rewind. Back in 2007, post-merger, shares traded around $8-10, buoyed by the GFC recovery. By 2013, they peaked near $12 amid Australia’s mining boom, when lending to regional farmers and small businesses was gold.
Fast-forward to the 2020 pandemic dip: The Bendigo Bank share price cratered to $5.50 in March, as lockdowns hammered deposits and loans. But here’s the magic—community banks like Bendigo rebounded faster than urban giants. By 2021, it climbed back to $9, thanks to government stimulus and a housing frenzy. Over the next couple of years, rate hikes from the RBA pushed it higher, hitting $13.20 in mid-2024 on whispers of margin expansion.
But 2025? It’s been a mixed bag. The full-year results in August showed cash earnings down 8.4% to $514.6 million, dragged by a statutory net loss of $97.1 million from one-off restructuring costs. Shares wobbled around $12-13 through September, then softened with slowing loan growth. November’s update? That 4-8% drop on higher expenses (up 7.6% to $328.8 million quarterly) echoed broader sector woes. Yet, over five years, the Bendigo Bank share price has delivered a compound annual growth rate of about 12%, outpacing inflation and rewarding patient holders.
Key Milestones That Shaped the Bendigo Bank Share Price
Zoom in on the highlights. In 2018, a strategic pivot to digital banking lifted shares 15% in a quarter—proof that even regional players can innovate. The 2022 inflation surge? It boosted NIM to 1.85%, sending the price up 20%. And don’t sleep on dividends; consistent 30+ cent payouts have compounded returns, turning a $10,000 investment in 2020 into over $18,000 today, including franking credits.
What ties these moments? Adaptability. Unlike flashier fintechs, Bendigo Bank’s share price history screams steady Eddie—growing deposits 6.6% and loans 7.6% in FY25 despite headwinds. If history’s your teacher, it whispers: Buy the dips, hold through the noise.
What Drives the Bendigo Bank Share Price? Unpacking the Big Influences
Alright, confession time: Tracking the Bendigo Bank share price feels like eavesdropping on a family dinner—economic policies, company gossip, and global drama all stir the pot. So, what really moves the needle? Let’s dissect it like a backyard barbie.
First off, interest rates are the grill master. The RBA’s cash rate at 4.35% as of now squeezes margins but boosts deposit inflows. When rates eased hints in late 2025, the Bendigo Bank share price perked up 3% overnight. But prolonged hikes? They crimp lending, as seen in Q1’s slower demand.
Economic Winds: How Macro Factors Fan the Flames
Australia’s economy is the wind in this fire. GDP growth ticked to 1.8% in Q3 2025, per ABS data, but regional slowdowns hit Bendigo hard—think drought-affected farmers cutting loans. Unemployment at 4.2% keeps defaults low (under 0.5%), a tailwind. Globally? US Fed cuts could flood our markets with cheap cash, lifting bank stocks like BEN 5-10%. But trade tensions with China? That’s a headwind, given Bendigo’s exposure to export-reliant SMEs.
Inflation’s another beast. At 3.2%, it’s cooling, easing pressure on households and propping up the Bendigo Bank share price via stable housing loans (70% of portfolio). Rhetorical nudge: Wouldn’t you bet on a bank that thrives when Aussies prioritize home over holidays?
Inside the Bank: Performance Metrics That Matter
Zoom inward. Net interest income, up 2% in Q1, is the engine. Expenses? The villain, rising on tech investments and staff (hello, 11% customer growth). ROE at 7.5% lags peers, but cost-to-income at 55% shows discipline. Regulatory nods, like APRA’s green light on capital, add shine.
Competitor chess plays a role too. While CBA gobbles market share, Bendigo’s community ethos carves a niche—think 200+ branches versus the big four’s digital pivot. Analyst targets? Consensus at $13.50, implying 16% upside from current Bendigo Bank share price levels.
Peering into the Crystal Ball: Bendigo Bank Share Price Forecast for 2026
So, where’s the Bendigo Bank share price headed next year? I’m no fortune teller, but let’s blend data with a dash of optimism. Forecasts peg mid-single-digit loan growth (5-7%), fueled by housing recovery as rates potentially dip to 4% by mid-2026. Cash earnings could rebound to $550 million, per broker models, pushing shares toward $13-14 if margins hold at 1.95%.
Bullish Bets: What Could Ignite a Rally?
Imagine this: RBA cuts spark a refinance boom, swelling Bendigo’s 7.6% loan book. Digital upgrades—like their Up app hitting 500k users—cut costs 5%, boosting ROE to 9%. Community Bank expansions? That’s 20 new franchises, adding $200 million in deposits. Analysts like Jefferies see 10% upside, citing undervaluation (P/E at 11x versus sector 13x).
Global tailwinds? AI-driven productivity lifts GDP to 2.5%, per Bendigo’s own November update. If US growth spills over, expect the Bendigo Bank share price to surf that wave.
Bearish Bumps: Risks Lurking in the Shadows
But hey, no rose without thorns. Persistent inflation could stall cuts, capping NIM. Expenses might balloon to $1.4 billion annually if wage pressures bite. Credit quality? Arrears up 0.2%—watch for regional recessions. And geopolitics: A China slowdown hits exports, denting SME loans.
Net-net? Balanced outlook: 8-12% total return in 2026, blending price gains and dividends. As David Robertson from Bendigo’s econ team quipped in their November update, “Modest growth, but resilient roots.”
Financial Deep Dive: Is Bendigo Bank a Solid Bet?
Time to roll up sleeves on the numbers. Bendigo Bank’s FY25 balance sheet? Assets at $102 billion, up 4%, with deposits covering 85% of funding—rock-solid liquidity. NPAT cash basis $514.6 million means EPS of 92 cents, down from $1.00, but buybacks ($200 million planned) signal confidence.
Balance Sheet Breakdown and Ratios
CET1 at 10.93%? That’s plush, exceeding 10.5% minimums. Leverage ratio 5.2%, LCR 120%—regulators sleep easy. Debt? Minimal, with hybrid securities adding buffers.
Profitability metrics shine selectively. NIM expansion offsets fee income dips (down 1% on low transaction volumes). Asset quality? Gross impaired loans under 0.8%, provisioning conservative at $150 million.
Compared to peers: Bendigo trails CBA’s 12% ROE but beats regional rivals on stability. Valuation? Trading at 1.1x book value—bargain territory if growth kicks in.
Dividend Dynamics: The Shareholder Sweetener
Who doesn’t love a payout? Bendigo’s 66-cent full-year franked dividend yields 5.7% at current Bendigo Bank share price—juicier than term deposits. Payout ratio 70%, sustainable with earnings recovery. Franking credits? A tax perk worth 30% extra for Aussies.
In a low-rate world, this makes BEN a income play, not just growth.
Getting Started: How to Buy Bendigo Bank Shares and Track the Price
Ready to jump in? Buying Bendigo Bank shares is easier than herding cats—well, almost. First, snag a broker account via CommSec or SelfWealth. Fund it, search ASX:BEN, and hit buy. CHESS-sponsored? You own the shares outright, no custodian hassles.
Costs? Broker fees $10-20 per trade, plus 0.1% stamp duty. For tracking, apps like Yahoo Finance or the ASX site update the Bendigo Bank share price in real-time. Set alerts for $11 or $13 thresholds.
Risk management? Diversify—don’t bet the farm on one stock. Use stop-losses at 5% below entry. And research: Read quarterly updates religiously.
Pro tip: Dollar-cost average. Buy $500 monthly, smoothing volatility. Over time, that turns market dips into deals.
Wrapping It Up: Your Next Step with Bendigo Bank Share Price
There you have it—the full scoop on the Bendigo Bank share price, from its current $11.64 perch to historical highs, driving forces, and 2026 dreams. We’ve seen how economic zephyrs, internal grit, and dividend delights shape this regional powerhouse. Sure, recent dips sting, but with solid buffers and growth catalysts, BEN feels like that undervalued mate who’s about to land a big break.
Don’t just spectate—act. Whether tweaking your super or starting small, the Bendigo Bank share price offers entry at a discount. Chat with a financial advisor, crunch your numbers, and remember: Investing’s a marathon, not a sprint. What’s your move? Dive in, and who knows—you might toast to gains come Christmas 2026.
Frequently Asked Questions (FAQs)
What is the current Bendigo Bank share price, and why did it drop recently?
As of November 12, 2025, the Bendigo Bank share price is around $11.64 AUD. The recent 8% plunge stems from Q1 FY26’s flat earnings and rising expenses, spooking short-term traders amid broader rate concerns.
How has the Bendigo Bank share price performed over the past five years?
Over five years, the Bendigo Bank share price has grown at a 12% CAGR, rebounding from COVID lows to $13 highs in 2024, driven by housing recovery and dividend consistency—solid for conservative portfolios.
What factors are most likely to boost the Bendigo Bank share price in 2026?
Key drivers include RBA rate cuts fueling loan growth (target 5-7%) and NIM expansion to 1.95%. Community expansions and digital efficiencies could push the Bendigo Bank share price toward $13.50, per analysts.
Is the Bendigo Bank share price a good buy for dividend hunters?
Absolutely—yielding 5.7% fully franked, it’s a standout. With a sustainable 70% payout ratio, the Bendigo Bank share price suits income seekers eyeing stability over fireworks.
How can beginners track fluctuations in the Bendigo Bank share price?
Use free tools like the ASX website for live updates or apps like Investing.com. Set price alerts for the Bendigo Bank share price to stay ahead without constant checking.
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