BFF Fundamental Analysis - BFF BANK SPA

Fundamental Rating

Taking everything into account, BFF scores 3 out of 10 in our fundamental rating. BFF was compared to 46 industry peers in the Financial Services industry. BFF has a bad profitability rating. Also its financial health evaluation is rather negative. BFF is not valued too expensively and it also shows a decent growth rate. Finally BFF also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year BFF was profitable.

Each year in the past 5 years BFF has been profitable.

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

1.2 Ratios

BFF has a Return On Assets of 2.25%. This is comparable to the rest of the industry: BFF outperforms 54.35% of its industry peers.

BFF's Return On Equity of 30.55% is amongst the best of the industry. BFF outperforms 86.96% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.25%
ROE	30.55%
ROIC	N/A

ROA(3y)1.64%

ROA(5y)1.64%

ROE(3y)25.93%

ROE(5y)26.4%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BFF has a Profit Margin of 40.36%. This is amongst the best in the industry. BFF outperforms 82.61% of its industry peers.

BFF's Profit Margin has been stable in the last couple of years.

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

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	40.36%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-12.22%

PM growth 5Y-1.19%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

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

Compared to 1 year ago, BFF has more shares outstanding

The number of shares outstanding for BFF has been increased compared to 5 years ago.

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

2.2 Solvency

A Debt/Equity ratio of 0.65 indicates that BFF is somewhat dependend on debt financing.

BFF's Debt to Equity ratio of 0.65 is on the low side compared to the rest of the industry. BFF is outperformed by 60.87% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.65
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC6.42%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 11.00% over the past year.

The Earnings Per Share has been growing by 16.88% on average over the past years. This is quite good.

Looking at the last year, BFF shows a quite strong growth in Revenue. The Revenue has grown by 8.99% in the last year.

BFF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.70% yearly.

EPS 1Y (TTM)11%

EPS 3Y1.96%

EPS 5Y16.88%

EPS Q2Q%-10.55%

Revenue 1Y (TTM)8.99%

Revenue growth 3Y17.33%

Revenue growth 5Y19.7%

Sales Q2Q%3.13%

3.2 Future

BFF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.61% yearly.

BFF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.51% yearly.

EPS Next Y-4.96%

EPS Next 2Y2.59%

EPS Next 3Y5.55%

EPS Next 5Y4.61%

Revenue Next Year0.54%

Revenue Next 2Y4.78%

Revenue Next 3Y5.3%

Revenue Next 5Y3.51%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.84, the valuation of BFF can be described as very reasonable.

BFF's Price/Earnings ratio is a bit cheaper when compared to the industry. BFF is cheaper than 76.09% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.50, BFF is valued rather cheaply.

A Price/Forward Earnings ratio of 8.42 indicates a reasonable valuation of BFF.

Compared to the rest of the industry, the Price/Forward Earnings ratio of BFF indicates a somewhat cheap valuation: BFF is cheaper than 78.26% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, BFF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.84
Fwd PE	8.42

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)0.52

EPS Next 2Y2.59%

EPS Next 3Y5.55%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.60%, BFF is a good candidate for dividend investing.

BFF's Dividend Yield is rather good when compared to the industry average which is at 3.93. BFF pays more dividend than 95.65% of the companies in the same industry.

BFF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	8.6%

5.2 History

On average, the dividend of BFF grows each year by 8.85%, which is quite nice.

Dividend Growth(5Y)8.85%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

The dividend of BFF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DPN/A

EPS Next 2Y2.59%

EPS Next 3Y5.55%

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BFF BANK SPA

BIT:BFF (7/18/2025, 7:00:00 PM)

10.17

-0.01 (-0.1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)05-08 2025-05-08

Earnings (Next)08-05 2025-08-05

Inst Owners49.78%

Inst Owner ChangeN/A

Ins Owners5.8%

Ins Owner ChangeN/A

Market Cap1.92B

Analysts81.54

Price Target10.62 (4.42%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.6%

Yearly Dividend0.86

Dividend Growth(5Y)8.85%

DPN/A

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)0

Avg Revenue beat(2)-15.89%

Min Revenue beat(2)-20.64%

Max Revenue beat(2)-11.15%

Revenue beat(4)1

Avg Revenue beat(4)2.85%

Min Revenue beat(4)-20.64%

Max Revenue beat(4)49.49%

Revenue beat(8)2

Avg Revenue beat(8)0.26%

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)0.11%

PT rev (3m)-0.21%

EPS NQ rev (1m)-50%

EPS NQ rev (3m)-50%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.81%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.22%

Valuation

		Industry Rank	Sector Rank
PE	8.84
Fwd PE	8.42
P/S	2.77
P/FCF	N/A
P/OCF	N/A
P/B	2.1
P/tB	2.28
EV/EBITDA	N/A

EPS(TTM)1.15

EY11.31%

EPS(NY)1.21

Fwd EY11.87%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS3.67

BVpS4.85

TBVpS4.45

PEG (NY)N/A

PEG (5Y)0.52

Profitability

		Industry Rank	Sector Rank
ROA	2.25%
ROE	30.55%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	40.36%
GM	N/A
FCFM	N/A

ROA(3y)1.64%

ROA(5y)1.64%

ROE(3y)25.93%

ROE(5y)26.4%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-12.22%

PM growth 5Y-1.19%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.65
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
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-ScoreN/A

WACC6.42%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)11%

EPS 3Y1.96%

EPS 5Y16.88%

EPS Q2Q%-10.55%

EPS Next Y-4.96%

EPS Next 2Y2.59%

EPS Next 3Y5.55%

EPS Next 5Y4.61%

Revenue 1Y (TTM)8.99%

Revenue growth 3Y17.33%

Revenue growth 5Y19.7%

Sales Q2Q%3.13%

Revenue Next Year0.54%

Revenue Next 2Y4.78%

Revenue Next 3Y5.3%

Revenue Next 5Y3.51%

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 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

BFF BANK SPA (BFF.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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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