BFF BANK SPA (BFF.MI) Stock Fundamental Analysis

BIT:BFF • IT0005244402

3.326 EUR
-0.13 (-3.65%)
Last: Feb 20, 2026, 05:35 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Taking everything into account, BFF scores 3 out of 10 in our fundamental rating. BFF was compared to 58 industry peers in the Financial Services industry. BFF may be in some trouble as it scores bad on both profitability and health. BFF has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • BFF had positive earnings in the past year.
  • BFF had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: BFF reported negative operating cash flow in multiple years.
BFF.MI Yearly Net Income VS EBIT VS OCF VS FCFBFF.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M

1.2 Ratios

  • BFF has a Return On Assets (1.42%) which is comparable to the rest of the industry.
  • BFF's Return On Equity of 19.91% is amongst the best of the industry. BFF outperforms 81.03% of its industry peers.
Industry RankSector 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
BFF.MI Yearly ROA, ROE, ROICBFF.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • BFF's Profit Margin of 32.22% is amongst the best of the industry. BFF outperforms 84.48% 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 RankSector 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
BFF.MI Yearly Profit, Operating, Gross MarginsBFF.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • The number of shares outstanding for BFF has been increased compared to 1 year ago.
  • The number of shares outstanding for BFF has been increased compared to 5 years ago.
  • Compared to 1 year ago, BFF has a worse debt to assets ratio.
BFF.MI Yearly Shares OutstandingBFF.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
BFF.MI Yearly Total Debt VS Total AssetsBFF.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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 has a Debt to Equity ratio of 0.64. This is comparable to the rest of the industry: BFF outperforms 41.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BFF.MI Yearly LT Debt VS Equity VS FCFBFF.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BFF.MI Yearly Current Assets VS Current LiabilitesBFF.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • BFF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -39.48%.
  • BFF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.88% yearly.
  • BFF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -17.69%.
  • 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)-39.48%
EPS 3Y1.96%
EPS 5Y16.88%
EPS Q2Q%26.67%
Revenue 1Y (TTM)-17.69%
Revenue growth 3Y17.33%
Revenue growth 5Y19.7%
Sales Q2Q%16.88%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.99% on average over the next years.
  • The Revenue is expected to grow by 2.78% on average over the next years.
EPS Next Y-24.57%
EPS Next 2Y-5.39%
EPS Next 3Y0.41%
EPS Next 5Y5.99%
Revenue Next Year-11.35%
Revenue Next 2Y-1.28%
Revenue Next 3Y1.87%
Revenue Next 5Y2.78%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
BFF.MI Yearly Revenue VS EstimatesBFF.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 100M 200M 300M 400M 500M
BFF.MI Yearly EPS VS EstimatesBFF.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1 1.5

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • BFF is valuated cheaply with a Price/Earnings ratio of 2.89.
  • BFF's Price/Earnings ratio is rather cheap when compared to the industry. BFF is cheaper than 89.66% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BFF to the average of the S&P500 Index (26.99), we can say BFF is valued rather cheaply.
  • The Price/Forward Earnings ratio is 3.24, which indicates a rather cheap valuation of BFF.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BFF indicates a rather cheap valuation: BFF is cheaper than 93.10% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. BFF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.89
Fwd PE 3.24
BFF.MI Price Earnings VS Forward Price EarningsBFF.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BFF.MI Per share dataBFF.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.17
EPS Next 2Y-5.39%
EPS Next 3Y0.41%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • BFF has a Yearly Dividend Yield of 8.60%, which is a nice return.
  • The stock price of BFF dropped by -68.50% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 2.23, BFF pays a better dividend. On top of this BFF pays more dividend than 98.28% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, BFF pays a better dividend.
Industry RankSector 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-5.39%
EPS Next 3Y0.41%
BFF.MI Yearly Income VS Free CF VS DividendBFF.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M

More info and screens

Find the best dividend stocksShow peers with best dividend

BFF BANK SPA

BIT:BFF (2/20/2026, 5:35:15 PM)

3.326

-0.13 (-3.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-10
Earnings (Next)05-11
Inst Owners49.29%
Inst Owner ChangeN/A
Ins Owners5.79%
Ins Owner ChangeN/A
Market Cap628.25M
Revenue(TTM)596.49M
Net Income(TTM)187.84M
Analysts76.92
Price Target11.03 (231.63%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-9.31%
PT rev (3m)-7.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-3.54%
EPS NY rev (3m)-6.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.1%
Valuation
Industry RankSector Rank
PE 2.89
Fwd PE 3.24
P/S 1.08
P/FCF N/A
P/OCF N/A
P/B 0.67
P/tB 0.72
EV/EBITDA N/A
EPS(TTM)1.15
EY34.58%
EPS(NY)1.03
Fwd EY30.87%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.09
BVpS5
TBVpS4.6
PEG (NY)N/A
PEG (5Y)0.17
Graham Number11.37
Profitability
Industry RankSector 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 RankSector 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
WACCN/A
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)-39.48%
EPS 3Y1.96%
EPS 5Y16.88%
EPS Q2Q%26.67%
EPS Next Y-24.57%
EPS Next 2Y-5.39%
EPS Next 3Y0.41%
EPS Next 5Y5.99%
Revenue 1Y (TTM)-17.69%
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 5Y2.78%
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 2.89 and the Price/Book (PB) ratio is 0.67.