BFF Fundamental Analysis - BFF BANK SPA

Fundamental Rating

BFF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 60 industry peers in the Financial Services industry. BFF has a bad profitability rating. Also its financial health evaluation is rather negative. BFF has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

BFF had positive earnings in the past year.
Each year in the past 5 years BFF has been profitable.
In multiple years BFF reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of BFF (1.42%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 19.91%, BFF is in the better half of the industry, outperforming 78.33% 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

BFF has a better Profit Margin (32.22%) than 83.33% of its industry peers.
BFF's Profit Margin has been stable in the last couple of years.
BFF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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.
Compared to 1 year ago, BFF has more shares outstanding
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

A Debt/Equity ratio of 0.64 indicates that BFF is somewhat dependend on debt financing.
The Debt to Equity ratio of BFF (0.64) is comparable to the rest of the industry.

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

ROIC/WACCN/A

WACC6.81%

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 impressive 24.31% over the past year.
Measured over the past years, BFF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.88% on average per year.
The Revenue has grown by 15.76% in the past year. This is quite good.
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)24.31%

EPS 3Y1.96%

EPS 5Y16.88%

EPS Q2Q%26.67%

Revenue 1Y (TTM)15.76%

Revenue growth 3Y17.33%

Revenue growth 5Y19.7%

Sales Q2Q%16.88%

3.2 Future

BFF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.12% yearly.
BFF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.79% yearly.

EPS Next Y-21.8%

EPS Next 2Y-3.95%

EPS Next 3Y1.17%

EPS Next 5Y5.12%

Revenue Next Year-11.35%

Revenue Next 2Y-1.28%

Revenue Next 3Y1.87%

Revenue Next 5Y3.79%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.35, which indicates a rather cheap valuation of BFF.
85.00% 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 27.32. BFF is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.99, the valuation of BFF can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BFF indicates a somewhat cheap valuation: BFF is cheaper than 76.67% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.30, BFF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.35
Fwd PE	7.99

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)0.44

EPS Next 2Y-3.95%

EPS Next 3Y1.17%

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5. Dividend

5.1 Amount

BFF has a Yearly Dividend Yield of 8.60%, which is a nice return.
BFF's Dividend Yield is rather good when compared to the industry average which is at 1.95. BFF pays more dividend than 98.33% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.86, BFF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	8.6%

5.2 History

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DPN/A

EPS Next 2Y-3.95%

EPS Next 3Y1.17%

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BFF BANK SPA

BIT:BFF (1/21/2026, 7:00:00 PM)

8.455

+0.07 (+0.83%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)11-10 2025-11-10/amc

Earnings (Next)02-09 2026-02-09/amc

Inst Owners49.29%

Inst Owner ChangeN/A

Ins Owners5.79%

Ins Owner ChangeN/A

Market Cap1.59B

Revenue(TTM)509.11M

Net Income(TTM)187.84M

Analysts80

Price Target12.06 (42.64%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.6%

Yearly DividendN/A

Dividend Growth(5Y)N/A

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)-0.84%

PT rev (3m)0.95%

EPS NQ rev (1m)0%

EPS NQ rev (3m)21.43%

EPS NY rev (1m)-0.39%

EPS NY rev (3m)-3.78%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-28.28%

Revenue NY rev (1m)-0.96%

Revenue NY rev (3m)-3.6%

Valuation

		Industry Rank	Sector Rank
PE	7.35
Fwd PE	7.99
P/S	2.74
P/FCF	N/A
P/OCF	N/A
P/B	1.69
P/tB	1.83
EV/EBITDA	N/A

EPS(TTM)1.15

EY13.6%

EPS(NY)1.06

Fwd EY12.52%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS3.09

BVpS5

TBVpS4.61

PEG (NY)N/A

PEG (5Y)0.44

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

WACC6.81%

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)24.31%

EPS 3Y1.96%

EPS 5Y16.88%

EPS Q2Q%26.67%

EPS Next Y-21.8%

EPS Next 2Y-3.95%

EPS Next 3Y1.17%

EPS Next 5Y5.12%

Revenue 1Y (TTM)15.76%

Revenue growth 3Y17.33%

Revenue growth 5Y19.7%

Sales Q2Q%16.88%

Revenue Next Year-11.35%

Revenue Next 2Y-1.28%

Revenue Next 3Y1.87%

Revenue Next 5Y3.79%

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 FAQ

What is the ChartMill fundamental rating of BFF BANK SPA (BFF.MI) stock?

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

What is the valuation status for BFF stock?

ChartMill assigns a valuation rating of 5 / 10 to BFF BANK SPA (BFF.MI). This can be considered as Fairly Valued.

What is the profitability of BFF stock?

BFF BANK SPA (BFF.MI) has a profitability rating of 3 / 10.

What are the PE and PB ratios of BFF BANK SPA (BFF.MI) stock?

The Price/Earnings (PE) ratio for BFF BANK SPA (BFF.MI) is 7.35 and the Price/Book (PB) ratio is 1.69.

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

BFF BANK SPA / BFF.MI FAQ

What is the ChartMill fundamental rating of BFF BANK SPA (BFF.MI) stock?

What is the valuation status for BFF stock?

What is the profitability of BFF stock?

What are the PE and PB ratios of BFF BANK SPA (BFF.MI) stock?