BANCA MONTE DEI PASCHI SIENA (BMPS.MI) Stock Fundamental Analysis
BIT:BMPS • IT0005508921
8.666 EUR
-0.11 (-1.28%)
Last: Feb 23, 2026, 05:36 PM
We assign a fundamental rating of 4 out of 10 to BMPS. BMPS was compared to 108 industry peers in the Banks industry. BMPS scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. BMPS has a decent growth rate and is not valued too expensively. Finally BMPS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- BMPS had positive earnings in the past year.
- Of the past 5 years BMPS 4 years were profitable.
- In multiple years BMPS reported negative operating cash flow during the last 5 years.
1.2 Ratios
- BMPS has a better Return On Assets (1.49%) than 89.81% of its industry peers.
- BMPS has a better Return On Equity (12.88%) than 63.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 12.88% | ||
| ROIC | N/A |
ROA(3y)1.46%
ROA(5y)0.89%
ROE(3y)15.67%
ROE(5y)9.95%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 50.97%, BMPS belongs to the top of the industry, outperforming 97.22% of the companies in the same industry.
- BMPS 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) | 50.97% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- BMPS does not have a ROIC to compare to the WACC, probably because it is not profitable.
- BMPS has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, BMPS has more shares outstanding
- There is no outstanding debt for BMPS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- BMPS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.17%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- BMPS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.91%.
- BMPS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 71.59% yearly.
- BMPS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.47%.
- BMPS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.43% yearly.
EPS 1Y (TTM)-4.91%
EPS 3Y71.59%
EPS 5YN/A
EPS Q2Q%68.63%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y11.13%
Revenue growth 5Y4.43%
Sales Q2Q%2.38%
3.2 Future
- BMPS is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -12.49% yearly.
- The Revenue is expected to grow by 16.37% on average over the next years. This is quite good.
EPS Next Y-41.22%
EPS Next 2Y-27.1%
EPS Next 3Y-15.48%
EPS Next 5Y-12.49%
Revenue Next Year19.34%
Revenue Next 2Y34.38%
Revenue Next 3Y23.4%
Revenue Next 5Y16.37%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 5.59, the valuation of BMPS can be described as very cheap.
- Compared to the rest of the industry, the Price/Earnings ratio of BMPS indicates a rather cheap valuation: BMPS is cheaper than 96.30% of the companies listed in the same industry.
- BMPS is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 10.53 indicates a reasonable valuation of BMPS.
- 63.89% of the companies in the same industry are more expensive than BMPS, based on the Price/Forward Earnings ratio.
- BMPS is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.02, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.59 | ||
| Fwd PE | 10.53 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- BMPS's earnings are expected to decrease with -15.48% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-27.1%
EPS Next 3Y-15.48%
5. Dividend
5.1 Amount
- BMPS has a Yearly Dividend Yield of 10.09%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.37, BMPS pays a better dividend. On top of this BMPS pays more dividend than 99.07% of the companies listed in the same industry.
- BMPS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.09% |
5.2 History
- The dividend of BMPS is nicely growing with an annual growth rate of 378.21%!
Dividend Growth(5Y)378.21%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DP0%
EPS Next 2Y-27.1%
EPS Next 3Y-15.48%
BIT:BMPS (2/23/2026, 5:36:15 PM)
8.666
-0.11 (-1.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-10 2026-02-10/bmo
Earnings (Next)05-07 2026-05-07
Inst Owners24.12%
Inst Owner ChangeN/A
Ins Owners9.77%
Ins Owner ChangeN/A
Market Cap26.33B
Revenue(TTM)7.07B
Net Income(TTM)3.60B
Analysts80
Price Target10.4 (20.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.09% |
Yearly Dividend0.25
Dividend Growth(5Y)378.21%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)226%
Min EPS beat(2)46.13%
Max EPS beat(2)405.88%
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)1
Avg Revenue beat(2)-22.91%
Min Revenue beat(2)-47.2%
Max Revenue beat(2)1.39%
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)4.28%
PT rev (3m)7.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-4.56%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)9.8%
Revenue NY rev (3m)13.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.59 | ||
| Fwd PE | 10.53 | ||
| P/S | 3.73 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.94 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.55
EY17.89%
EPS(NY)0.82
Fwd EY9.5%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.33
BVpS9.2
TBVpS8.23
PEG (NY)N/A
PEG (5Y)N/A
Graham Number17.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 12.88% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 50.97% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)1.46%
ROA(5y)0.89%
ROE(3y)15.67%
ROE(5y)9.95%
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| 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
WACC6.17%
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)-4.91%
EPS 3Y71.59%
EPS 5YN/A
EPS Q2Q%68.63%
EPS Next Y-41.22%
EPS Next 2Y-27.1%
EPS Next 3Y-15.48%
EPS Next 5Y-12.49%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y11.13%
Revenue growth 5Y4.43%
Sales Q2Q%2.38%
Revenue Next Year19.34%
Revenue Next 2Y34.38%
Revenue Next 3Y23.4%
Revenue Next 5Y16.37%
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
BANCA MONTE DEI PASCHI SIENA / BMPS.MI FAQ
What is the fundamental rating for BMPS stock?
ChartMill assigns a fundamental rating of 4 / 10 to BMPS.MI.
What is the valuation status for BMPS stock?
ChartMill assigns a valuation rating of 4 / 10 to BANCA MONTE DEI PASCHI SIENA (BMPS.MI). This can be considered as Fairly Valued.
What is the profitability of BMPS stock?
BANCA MONTE DEI PASCHI SIENA (BMPS.MI) has a profitability rating of 3 / 10.
What are the PE and PB ratios of BANCA MONTE DEI PASCHI SIENA (BMPS.MI) stock?
The Price/Earnings (PE) ratio for BANCA MONTE DEI PASCHI SIENA (BMPS.MI) is 5.59 and the Price/Book (PB) ratio is 0.94.
What is the financial health of BANCA MONTE DEI PASCHI SIENA (BMPS.MI) stock?
The financial health rating of BANCA MONTE DEI PASCHI SIENA (BMPS.MI) is 4 / 10.