BFF Fundamental Analysis - BFF BANK SPA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BFF. BFF was compared to 50 industry peers in the Financial Services industry. Both the profitability and financial health of BFF have multiple concerns. BFF is valued correctly, but it does not seem to be growing. 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.

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

In multiple years BFF reported negative operating cash flow during the last 5 years.

1.2 Ratios

BFF has a Return On Assets of 1.42%. This is comparable to the rest of the industry: BFF outperforms 50.00% of its industry peers.

Looking at the Return On Equity, with a value of 19.91%, BFF is in the better half of the industry, outperforming 80.00% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.42%
ROE	19.91%
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

With an excellent Profit Margin value of 32.22%, BFF belongs to the best of the industry, outperforming 86.00% of the companies in the same industry.

In the last couple of years the Profit Margin of BFF has remained more or less at the same level.

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)	32.22%
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.

BFF has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, BFF has more shares outstanding

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

2.2 Solvency

BFF has a Debt/Equity ratio of 0.64. This is a neutral value indicating BFF is somewhat dependend on debt financing.

BFF's Debt to Equity ratio of 0.64 is on the low side compared to the rest of the industry. BFF is outperformed by 62.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.64
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC6.79%

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

BFF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -44.32%.

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

BFF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -20.65%.

Measured over the past years, BFF shows a quite strong growth in Revenue. The Revenue has been growing by 19.70% on average per year.

EPS 1Y (TTM)-44.32%

EPS 3Y1.96%

EPS 5Y16.88%

EPS Q2Q%-72.31%

Revenue 1Y (TTM)-20.65%

Revenue growth 3Y17.33%

Revenue growth 5Y19.7%

Sales Q2Q%-50.68%

3.2 Future

Based on estimates for the next years, BFF will show a small growth in Earnings Per Share. The EPS will grow by 5.16% on average per year.

The Revenue is expected to grow by 4.10% on average over the next years.

EPS Next Y-18.72%

EPS Next 2Y-1.7%

EPS Next 3Y3.4%

EPS Next 5Y5.16%

Revenue Next Year-8.05%

Revenue Next 2Y1.19%

Revenue Next 3Y3.75%

Revenue Next 5Y4.1%

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 8.90, the valuation of BFF can be described as very reasonable.

82.00% of the companies in the same industry are more expensive than BFF, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 27.57. BFF is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 9.23 indicates a reasonable valuation of BFF.

78.00% of the companies in the same industry are more expensive than BFF, based on the Price/Forward Earnings ratio.

BFF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.09.

		Industry Rank	Sector Rank
PE	8.9
Fwd PE	9.23

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)0.53

EPS Next 2Y-1.7%

EPS Next 3Y3.4%

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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.

Compared to an average industry Dividend Yield of 3.62, BFF pays a better dividend. On top of this BFF pays more dividend than 96.00% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.32, BFF pays a better dividend.

		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 2Y-1.7%

EPS Next 3Y3.4%

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BFF BANK SPA

BIT:BFF (10/23/2025, 2:23:44 PM)

10.23

-0.03 (-0.29%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

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

Earnings (Next)11-10 2025-11-10

Inst Owners49.15%

Inst Owner ChangeN/A

Ins Owners5.79%

Ins Owner ChangeN/A

Market Cap1.93B

Revenue(TTM)582.93M

Net Income(TTM)187.84M

Analysts81.54

Price Target11.95 (16.81%)

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)-13.01%

Min Revenue beat(2)-20.64%

Max Revenue beat(2)-5.38%

Revenue beat(4)0

Avg Revenue beat(4)-10.87%

Min Revenue beat(4)-20.64%

Max Revenue beat(4)-5.38%

Revenue beat(8)2

Avg Revenue beat(8)0.9%

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%

PT rev (3m)12.49%

EPS NQ rev (1m)0%

EPS NQ rev (3m)40%

EPS NY rev (1m)-2.81%

EPS NY rev (3m)-14.48%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)-5.12%

Revenue NY rev (3m)-8.54%

Valuation

		Industry Rank	Sector Rank
PE	8.9
Fwd PE	9.23
P/S	3.31
P/FCF	N/A
P/OCF	N/A
P/B	2.04
P/tB	2.22
EV/EBITDA	N/A

EPS(TTM)1.15

EY11.24%

EPS(NY)1.11

Fwd EY10.83%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS3.09

BVpS5

TBVpS4.61

PEG (NY)N/A

PEG (5Y)0.53

Graham Number11.38

Profitability

		Industry Rank	Sector Rank
ROA	1.42%
ROE	19.91%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	32.22%
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

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 3Y-12.22%

PM growth 5Y-1.19%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.64
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

WACC6.79%

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)-44.32%

EPS 3Y1.96%

EPS 5Y16.88%

EPS Q2Q%-72.31%

EPS Next Y-18.72%

EPS Next 2Y-1.7%

EPS Next 3Y3.4%

EPS Next 5Y5.16%

Revenue 1Y (TTM)-20.65%

Revenue growth 3Y17.33%

Revenue growth 5Y19.7%

Sales Q2Q%-50.68%

Revenue Next Year-8.05%

Revenue Next 2Y1.19%

Revenue Next 3Y3.75%

Revenue Next 5Y4.1%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens