It’s a question that pops up on any investor’s screen: what is Bank of Ireland’s share price right now, and is it a buy? With the stock trading near its 52-week high of €18.20 after recovering from motor finance redress jitters, the answer isn’t as simple as a single number.

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Current share price (Dublin): €17.71 (as of 13 July 2026) ·
Ticker symbol (ISEQ): BIRG ·
Day change (Dublin): -0.1% ·
52-week range: €12.40 – €18.20 ·
Market cap (approx): €7.8 billion ·
Dividend yield: 3.2% (trailing 12 months)

Quick snapshot

1Confirmed facts
2What’s unclear
3Timeline signal
4What’s next
  • Watch for analyst revisions after Q2 2026 results (StockAnalysis)
  • ECB rate decisions will affect net interest margin outlook (StockAnalysis)
  • UK Supreme Court motor finance ruling appeal could add further clarity (StockAnalysis)

Six key data points, one pattern: Bank of Ireland is trading near the top of its year range with solid fundamental support.

Metric Value
Current price (Dublin) €17.71 (13 Jul 2026, 01:56 UTC)
Ticker symbol BIRG (ISEQ) / BIRG (LSE)
ISIN IE00BD1RP616
Sector Banks – Diversified
52-week high €18.20
52-week low €12.40

What is the share price of Bank of Ireland today?

Current live price from the Euronext Dublin exchange

Bank of Ireland Group PLC trades under the ticker BIRG on Euronext Dublin (ISEQ) and also on the London Stock Exchange with the same symbol. As of the most recent trading session, the share price stood at €17.71, unchanged from the prior close of €17.71 (Investing.com financial data platform). The intraday volume was average, with no large block trades reported.

On the London exchange, BIRG trades in pence, but the primary listing and liquidity are on Dublin. According to Financial Times Markets business news and data, the instrument is referenced as BIR:ISE, confirming the Irish exchange as the home market.

How to check the Bank of Ireland share price in real time

  • Euronext website – official exchange data with 15-minute delay for free.
  • Investing.com – live quote with chart, last updated on 2026-07-13T04:49:29 (Investing.com).
  • Financial Times Markets – delayed price with analyst consensus, updated 2026-07-12T16:27:21 (Financial Times Markets).
  • Stockopedia – 15-minute delayed feed at €17.43 (note slight lag) (Stockopedia UK stock analysis service).
  • Yahoo Finance – basic delayed quotes for BIRG.IR.
Why this matters

The €0.28 gap between Investing.com’s €17.71 and Stockopedia’s €17.43 is a reminder that delayed feeds can mislead an intraday decision. Always cross-check with the exchange’s own website if you are timing a trade.

The implication: the live price is consistent across tier‑1 sources, but small delays mean the exact figure can vary by a few cents at any moment.

Is Bank of Ireland a good stock to buy?

Recent performance and catalysts

Bank of Ireland shares have risen 28.19% over the past 12 months (Trading Economics macroeconomic data provider), outperforming the European banking index. The driver? A combination of higher ECB interest rates boosting net interest margin, and cost-cutting measures that lifted return on equity to 14.5% in 2024 (Bank of Ireland Investor Relations official company filings).

However, a cloud appeared in June 2026 when the company announced revised motor finance redress costs of £350 million, following a UK Supreme Court ruling. The stock dropped 3% on the day (StockAnalysis stock research site), but has since recovered to near its 52-week high of €18.20.

Risks to consider

  • Motor finance redress uncertainty: The final payout schedule is not yet public, which could weigh on sentiment.
  • ECB rate cuts: If the ECB begins easing earlier than expected, net interest income may compress.
  • Competitive pressure: AIB and Permanent TSB are also vying for market share in the Irish lending space.

Analyst consensus and price targets

According to Investing.com, 11 analysts rate Bank of Ireland a “Buy” and zero recommend “Sell”, with a 12-month average price target of €19.273 – implying roughly 8.76% upside from the current price of €17.71. Financial Times Markets reports a median target of €19.50 (about 10.05% upside), with a high of €22.10 and a low of €14.30. The wide spread indicates disagreement about the redress impact.

What this means: the bull case hinges on a manageable redress outcome and steady net interest income; the bear case assumes larger payouts and rate cuts that dent profitability.

What is the forecast for Bank of Ireland shares?

Short-term vs long-term outlook

Over the next 12 months, consensus implies a slow grind higher. The median target of €19.50 (Financial Times Markets) suggests no dramatic breakout – but also no crash. In contrast, Trading Economics projects a drop to €13.03 by end of Q3 2026 and €12.55 in one year, a view that factors in a more severe recession or capital hit. This divergence makes the stock a battleground between fundamental bulls and macro bears.

Key drivers: interest rates, Irish economy, regulation

  • ECB policy: A hold or one more hike supports net interest margins; rapid cuts hurt.
  • Irish GDP growth: Projected at 3% for 2026, supporting loan demand.
  • Motor finance regulation: Final UK redress rules and a potential Irish regulatory response could add costs.

Common price prediction sources

Retail investors often rely on Yahoo Finance or Simply Wall St for fair value estimates. However, the most authoritative sources are the broker reports aggregated by Investing.com and Financial Times Markets, both of which draw on published analyst research from houses like Davy, Goodbody, and Jefferies.

The trade-off: short-term volatility from regulatory noise versus long‑term upside if the Irish economy remains resilient. The median target gives a moderate buy signal, but the wide low‑end tail demands caution.

Which Irish bank shares are best to buy now?

Bank of Ireland vs AIB vs Permanent TSB

A quick comparison of the three domestic lenders:

  • Bank of Ireland (BIRG): Market cap ~€7.8bn, dividend yield 3.2%, P/E ~9.5x.
  • AIB Group (A5G): Trading around €5.60, yield 4.1%, P/E ~8.2x.
  • Permanent TSB (PTSB): Smaller cap (~€0.6bn), no dividend, higher risk profile.

Valuation-wise, AIB offers a higher yield and lower P/E, but Bank of Ireland has a stronger capital position (TNAV per share up 8% to 1,043 cents in 2024, per Bank of Ireland Investor Relations).

Comparison of valuation and dividend yields

RoE and dividend payout ratios are similar across the two large banks. Bank of Ireland’s advantage lies in its diversified revenue mix (insurance and UK mortgages), while AIB is more focused on domestic lending. For income-seekers, AIB’s 4.1% yield is attractive, but Bank of Ireland’s total return potential (capital gain plus 3.2% yield) is supported by the buy rating consensus.

How to choose between Irish bank stocks

If you want a pure Irish recovery play with high dividend, AIB is the pick. If you prefer a more diversified bank with lower regulatory tail risk (due to its UK mortgage book and insurance arm), Bank of Ireland offers stability. Permanent TSB remains a speculation for aggressive buyers willing to take on elevated credit risk.

The catch: all three are sensitive to ECB rates and Irish housing market health. No single stock insulates you from macro shocks.

How much is one Bank of Ireland share worth?

Price in euro

As of 13 July 2026, one Bank of Ireland share trades at €17.71 on Euronext Dublin (Investing.com). The price is almost exactly the same as the previous close, indicating a calm session.

Price in other currencies (GBP, USD) – approximate

At a EUR/GBP rate of 0.86, a rough GBP equivalent would be about £15.23. In USD (1.09 EUR/USD), the share is worth about $19.30. These are approximate – the actual GBP-traded quote on the London Stock Exchange can diverge slightly due to liquidity differences.

Share price history and adjusted for dividends

Bank of Ireland has paid a trailing dividend of €0.57 per share, giving a yield of 3.2%. The total return over the past year (price appreciation reinvested) is approximately 31.4%, beating the STOXX Europe 600 Banks index.

For a buy-and-hold investor, the adjusted price after accounting for dividends would be around €17.14. That’s the true cost of entering the stock today after factoring in the next dividend.

Upsides

  • Strong capital position: TNAV up 8% in 2024
  • Analyst consensus: Buy with zero sell ratings
  • Healthy dividend yield of 3.2%
  • Diversified business reduces single-market risk

Downsides

  • Motor finance redress costs are uncertain in timing and size
  • ECB rate cuts would squeeze net interest margin
  • Share price near 52-week high limits near-term upside
  • Competition from AIB and new fintech lenders

Timeline signal

  • : Bank of Ireland reports net profit of €450m, in line with consensus.
  • : Company announces revised motor finance redress costs of £350m, stock dips 3% (StockAnalysis).
  • : Share price recovers to €17.71, trading near 52-week high (Investing.com).

What we know for sure — and what remains uncertain

Confirmed facts

  • Current share price as of last trading session is €17.71 (13 July 2026) (Investing.com).
  • Bank of Ireland is listed on Euronext Dublin and London Stock Exchange, ticker BIRG.
  • 52-week range is €12.40 – €18.20.
  • 11 analysts rate the stock a Buy, 0 rate Sell (Investing.com).
  • 2024 annual results showed TNAV per share up 8% to 1,043 cents (Bank of Ireland Investor Relations).

What’s still unclear

  • Exact timing of motor finance redress payout is not yet public.
  • Analyst price targets vary widely: from €14.30 (low) to €22.10 (high) (Financial Times Markets).
  • Trading Economics projects a much lower price of €13.03 by end of Q3 2026 (Trading Economics), raising questions about the macro outlook.

What analysts and the company are saying

“We reiterate our Buy rating on Bank of Ireland. The stock is well capitalised and the motor finance redress is a manageable one-off. Our price target is €19.50.”

— Davy Research analyst, via Investing.com

“The group expects full-year profit before tax to be in the range of €1.2 billion to €1.3 billion, reflecting a strong net interest income outlook and cost discipline.”

— Bank of Ireland Group press release, 2024 annual results (Bank of Ireland Investor Relations)

The contrasting tones — Davy’s confidence versus the company’s cautious range — highlight the tension between short‑term sentiment and long‑term fundamentals.

The consensus is cautiously optimistic, but the motor finance overhang means a binary risk: if the final bill is closer to £350m, the dip is buying opportunity; if it swells beyond £500m, the stock could test €15.

The catch

Every bank stock in Ireland is leveraged to the ECB rate path. If inflation proves sticky and rates stay high, net margins benefit – but mortgage arrears may rise. That creates a delicate balancing act for Bank of Ireland’s management.

Related reading: Bank of America Share Price: Buy or Sell? · Sterling to Euro Rate Today: Live GBP/EUR Forecast & Converter

Additional sources

investing.com

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Frequently asked questions

Does Bank of Ireland pay a dividend?

Yes. Bank of Ireland resumed dividends in 2023. For the trailing 12 months, the dividend per share was €0.57, yielding 3.2% at the current price of €17.71.

What is the Bank of Ireland dividend yield?

The trailing 12-month dividend yield is 3.2%. The payout ratio is approximately 35% of earnings, leaving room for future increases.

How can I buy Bank of Ireland shares?

You can buy BIRG shares through any online broker that offers access to Euronext Dublin or the London Stock Exchange. Examples include Degiro, Interactive Brokers, Davy Select, and Trading 212. A standard share dealing account or a stocks and shares ISA (in the UK) works.

What is the difference between BIRG on ISEQ and BIRG on London exchange?

The ticker is the same but the currency differs. On Euronext Dublin (ISEQ) the shares are priced in euro. On the London Stock Exchange the same share trades in pence (GBp). Liquidity is higher on the Dublin exchange, so prices are usually tighter.

What is Bank of Ireland’s market capitalisation?

Approximately €7.8 billion as of 13 July 2026, based on the share price and number of shares outstanding.

Is Bank of Ireland a state-owned bank?

No. The Irish government fully exited its stake in Bank of Ireland in September 2022. The bank is now entirely private and publicly traded.

For Irish retail investors weighing a position in Bank of Ireland, the choice is between accepting near-term volatility from regulatory headwinds or waiting for clarity on the motor finance redress final cost before buying. The analyst consensus says buy now; the macro bears say wait. The data supports the bull case—provided the redress costs stay within the guided range.