BPSO Fundamental Analysis - BANCA POPOLARE DI SONDRIO

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BPSO. BPSO was compared to 94 industry peers in the Banks industry. While BPSO is still in line with the averages on profitability rating, there are concerns on its financial health. BPSO has a correct valuation and a medium growth rate. Finally BPSO also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

BPSO had positive earnings in the past year.

In the past year BPSO has reported a negative cash flow from operations.

In the past 5 years BPSO has always been profitable.

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

1.2 Ratios

BPSO's Return On Assets of 1.57% is amongst the best of the industry. BPSO outperforms 91.49% of its industry peers.

With an excellent Return On Equity value of 21.38%, BPSO belongs to the best of the industry, outperforming 95.74% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.57%
ROE	21.38%
ROIC	N/A

ROA(3y)0.75%

ROA(5y)0.59%

ROE(3y)11.12%

ROE(5y)9.03%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BPSO has a Profit Margin of 34.09%. This is amongst the best in the industry. BPSO outperforms 86.17% of its industry peers.

In the last couple of years the Profit Margin of BPSO has grown nicely.

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

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	34.09%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y10.18%

PM growth 5Y18.12%

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

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

Compared to 1 year ago, BPSO has about the same amount of shares outstanding.

The number of shares outstanding for BPSO remains at a similar level compared to 5 years ago.

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

2.2 Solvency

BPSO has a Debt/Equity ratio of 1.24. This is a high value indicating a heavy dependency on external financing.

BPSO has a Debt to Equity ratio of 1.24. This is in the better half of the industry: BPSO outperforms 71.28% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.24
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.26%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.60% over the past year.

BPSO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 33.63% yearly.

Looking at the last year, BPSO shows a quite strong growth in Revenue. The Revenue has grown by 11.35% in the last year.

The Revenue has been growing by 12.72% on average over the past years. This is quite good.

EPS 1Y (TTM)23.6%

EPS 3Y28.86%

EPS 5Y33.63%

EPS Q2Q%20.78%

Revenue 1Y (TTM)11.35%

Revenue growth 3Y16.97%

Revenue growth 5Y12.72%

Sales Q2Q%2.24%

3.2 Future

The Earnings Per Share is expected to decrease by -2.35% on average over the next years.

The Revenue is expected to decrease by -0.53% on average over the next years.

EPS Next Y-3.99%

EPS Next 2Y-5.17%

EPS Next 3Y-2.35%

EPS Next 5YN/A

Revenue Next Year12.26%

Revenue Next 2Y7.86%

Revenue Next 3Y-0.53%

Revenue Next 5YN/A

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

BPSO is valuated cheaply with a Price/Earnings ratio of 5.77.

BPSO's Price/Earnings ratio is rather cheap when compared to the industry. BPSO is cheaper than 93.62% of the companies in the same industry.

When comparing the Price/Earnings ratio of BPSO to the average of the S&P500 Index (26.43), we can say BPSO is valued rather cheaply.

BPSO is valuated reasonably with a Price/Forward Earnings ratio of 10.30.

Compared to the rest of the industry, the Price/Forward Earnings ratio of BPSO is on the same level as its industry peers.

BPSO is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.17, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	5.77
Fwd PE	10.3

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

BPSO's earnings are expected to decrease with -2.35% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.17

EPS Next 2Y-5.17%

EPS Next 3Y-2.35%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.78%, BPSO is a good candidate for dividend investing.

BPSO's Dividend Yield is rather good when compared to the industry average which is at 5.02. BPSO pays more dividend than 80.85% of the companies in the same industry.

BPSO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	6.78%

5.2 History

The dividend of BPSO is nicely growing with an annual growth rate of 62.12%!

Dividend Growth(5Y)62.12%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

28.35% of the earnings are spent on dividend by BPSO. This is a low number and sustainable payout ratio.

DP28.35%

EPS Next 2Y-5.17%

EPS Next 3Y-2.35%

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BANCA POPOLARE DI SONDRIO

BIT:BPSO (6/4/2025, 7:00:00 PM)

11.78

-0.1 (-0.84%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-06 2025-05-06

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

Inst Owners17.71%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap5.34B

Analysts46.67

Price Target10.86 (-7.81%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.78%

Yearly Dividend0.56

Dividend Growth(5Y)62.12%

DP28.35%

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)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

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)0%

PT rev (3m)25.66%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)14.18%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)23.75%

Revenue NY rev (3m)20.11%

Valuation

		Industry Rank	Sector Rank
PE	5.77
Fwd PE	10.3
P/S	2.05
P/FCF	N/A
P/OCF	N/A
P/B	1.29
P/tB	1.3
EV/EBITDA	N/A

EPS(TTM)2.04

EY17.32%

EPS(NY)1.14

Fwd EY9.71%

FCF(TTM)-1.39

FCFYN/A

OCF(TTM)-1.12

OCFYN/A

SpS5.75

BVpS9.17

TBVpS9.09

PEG (NY)N/A

PEG (5Y)0.17

Profitability

		Industry Rank	Sector Rank
ROA	1.57%
ROE	21.38%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.09%
GM	N/A
FCFM	N/A

ROA(3y)0.75%

ROA(5y)0.59%

ROE(3y)11.12%

ROE(5y)9.03%

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 3Y10.18%

PM growth 5Y18.12%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	1.24
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	155.21%
Cap/Sales	4.73%
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-Score7

WACC5.26%

ROIC/WACCN/A

Cap/Depr(3y)171.81%

Cap/Depr(5y)139.37%

Cap/Sales(3y)8.58%

Cap/Sales(5y)7.24%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)23.6%

EPS 3Y28.86%

EPS 5Y33.63%

EPS Q2Q%20.78%

EPS Next Y-3.99%

EPS Next 2Y-5.17%

EPS Next 3Y-2.35%

EPS Next 5YN/A

Revenue 1Y (TTM)11.35%

Revenue growth 3Y16.97%

Revenue growth 5Y12.72%

Sales Q2Q%2.24%

Revenue Next Year12.26%

Revenue Next 2Y7.86%

Revenue Next 3Y-0.53%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year112.1%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y74.07%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y78.06%

OCF growth 3YN/A

OCF growth 5YN/A

BANCA POPOLARE DI SONDRIO (BPSO.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