BDB Fundamental Analysis - BANCO DESIO E DELLA BRIANZA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BDB. BDB was compared to 102 industry peers in the Banks industry. BDB has a bad profitability rating. Also its financial health evaluation is rather negative. BDB is valued expensive and it does not seem to be growing. Finally BDB also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year BDB was profitable.

BDB had a negative operating cash flow in the past year.

BDB had positive earnings in each of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: BDB reported negative operating cash flow in multiple years.

1.2 Ratios

BDB's Return On Assets of 1.04% is fine compared to the rest of the industry. BDB outperforms 65.69% of its industry peers.

The Return On Equity of BDB (13.35%) is better than 66.67% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.04%
ROE	13.35%
ROIC	N/A

ROA(3y)0.81%

ROA(5y)0.58%

ROE(3y)11.23%

ROE(5y)8.22%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 21.49%, BDB is in line with its industry, outperforming 46.08% of the companies in the same industry.

In the last couple of years the Profit Margin of BDB has grown nicely.

The Operating Margin and Gross Margin are not available for BDB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	21.49%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y23.49%

PM growth 5Y15.54%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

BDB does not have a ROIC to compare to the WACC, probably because it is not profitable.

BDB has less shares outstanding than it did 1 year ago.

BDB has less shares outstanding than it did 5 years ago.

The debt/assets ratio for BDB is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 3.55 is on the high side and indicates that BDB has dependencies on debt financing.

BDB's Debt to Equity ratio of 3.55 is on the low side compared to the rest of the industry. BDB is outperformed by 76.47% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.55
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.33%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for BDB have decreased by -0.91% in the last year.

The Earnings Per Share has been growing by 25.39% on average over the past years. This is a very strong growth

The Revenue has decreased by -5.83% in the past year.

The Revenue has been growing by 8.69% on average over the past years. This is quite good.

EPS 1Y (TTM)-0.91%

EPS 3Y31.39%

EPS 5Y25.39%

EPS Q2Q%-8.29%

Revenue 1Y (TTM)-5.83%

Revenue growth 3Y6.69%

Revenue growth 5Y8.69%

Sales Q2Q%-4.97%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 6.47, which indicates a rather cheap valuation of BDB.

Compared to the rest of the industry, the Price/Earnings ratio of BDB indicates a rather cheap valuation: BDB is cheaper than 95.10% of the companies listed in the same industry.

BDB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.60.

		Industry Rank	Sector Rank
PE	6.47
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.25

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.86%, BDB is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 4.31, BDB pays a bit more dividend than its industry peers.

BDB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.

		Industry Rank	Sector Rank
Dividend Yield	4.86%

5.2 History

On average, the dividend of BDB grows each year by 20.01%, which is quite nice.

Dividend Growth(5Y)20.01%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

BDB pays out 31.18% of its income as dividend. This is a sustainable payout ratio.

The dividend of BDB is growing, but earnings are growing more, so the dividend growth is sustainable.

DP31.18%

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

BANCO DESIO E DELLA BRIANZA

BIT:BDB (1/2/2026, 7:00:00 PM)

9.38

-0.07 (-0.74%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-06 2025-11-06

Earnings (Next)02-03 2026-02-03

Inst Owners4.36%

Inst Owner ChangeN/A

Ins Owners7.38%

Ins Owner ChangeN/A

Market Cap1.26B

Revenue(TTM)898.91M

Net Income(TTM)193.14M

AnalystsN/A

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.86%

Yearly Dividend0.26

Dividend Growth(5Y)20.01%

DP31.18%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	6.47
Fwd PE	N/A
P/S	1.4
P/FCF	N/A
P/OCF	N/A
P/B	0.87
P/tB	0.9
EV/EBITDA	N/A

EPS(TTM)1.45

EY15.46%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-3.05

FCFYN/A

OCF(TTM)-3.01

OCFYN/A

SpS6.69

BVpS10.77

TBVpS10.45

PEG (NY)N/A

PEG (5Y)0.25

Graham Number18.74

Profitability

		Industry Rank	Sector Rank
ROA	1.04%
ROE	13.35%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	21.49%
GM	N/A
FCFM	N/A

ROA(3y)0.81%

ROA(5y)0.58%

ROE(3y)11.23%

ROE(5y)8.22%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y23.49%

PM growth 5Y15.54%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	3.55
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.64%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACC5.33%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)1.66%

Cap/Sales(5y)1.27%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-0.91%

EPS 3Y31.39%

EPS 5Y25.39%

EPS Q2Q%-8.29%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-5.83%

Revenue growth 3Y6.69%

Revenue growth 5Y8.69%

Sales Q2Q%-4.97%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-121.65%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-121.28%

OCF growth 3YN/A

OCF growth 5YN/A

BANCO DESIO E DELLA BRIANZA / BDB.MI FAQ

Can you provide the ChartMill fundamental rating for BANCO DESIO E DELLA BRIANZA?

ChartMill assigns a fundamental rating of 3 / 10 to BDB.MI.

Can you provide the valuation status for BANCO DESIO E DELLA BRIANZA?

ChartMill assigns a valuation rating of 2 / 10 to BANCO DESIO E DELLA BRIANZA (BDB.MI). This can be considered as Overvalued.

What is the profitability of BDB stock?

BANCO DESIO E DELLA BRIANZA (BDB.MI) has a profitability rating of 3 / 10.

How sustainable is the dividend of BANCO DESIO E DELLA BRIANZA (BDB.MI) stock?

The dividend rating of BANCO DESIO E DELLA BRIANZA (BDB.MI) is 8 / 10 and the dividend payout ratio is 31.18%.

BANCO DESIO E DELLA BRIANZA (BDB.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

BANCO DESIO E DELLA BRIANZA / BDB.MI FAQ

Can you provide the ChartMill fundamental rating for BANCO DESIO E DELLA BRIANZA?

Can you provide the valuation status for BANCO DESIO E DELLA BRIANZA?

What is the profitability of BDB stock?

How sustainable is the dividend of BANCO DESIO E DELLA BRIANZA (BDB.MI) stock?