Bank Nova Scotia Halifax Pfd 3 Ordinary Shares (BNS)

FairStock Score: 50/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Bank of Nova Scotia as a large, diversified lender, not a fast-growing technology story. Its scale is real: 81,734 employees, a $92.7B market cap, and operations across Canada, the U.S., Latin America, and the Caribbean. In the latest quarter, fiscal Q3 2026, revenue was $10.3B and net income $2.9B, a 28.20% margin. The supplied growth figures are 10.55% for revenue and 18.84% for profit, though the data does not name the exact filing period. At the 2026-10-13 close, FairStock calculates P/E 16.34, P/B 1.75, ROE 11.46%, PEG 0.87, Piotroski F-Score 4/9, and FairStock Score 52/100. The 3.54% dividend yield is helpful, but the 11.46% ROE is only moderate for a bank. A 1.75x price-to-book means the market already pays a premium to accounting capital, so I want returns to improve or be durable. The PEG below 1 is encouraging if profit growth persists, but the Piotroski score and 52/100 FairStock Score suggest mixed quality. The biggest missing pieces are bank-specific: CET1, net interest margin, loan-loss provisions, credit quality, and combined ratio are not in the data. D/E is N/A, so leverage is not assessable here. The Lynch category is none because only 0 years of filed results are available, which limits historical consistency checks. With the price near the 52-week high of $95.74 and beta 1.19, I see a fair-to-full valuation, not a clear bargain.

In plain English: It is a large Canadian bank with operations across Canada, the U.S., Latin America and the Caribbean, offering loans, deposits, cards, wealth management and banking services. The business is profitable and pays a dividend, but its returns on shareholder money are moderate and the shares cost more than the company's stated net worth. At the latest price, the shares look closer to fair than cheap based on the numbers provided.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer