BANCA POPOLARE DI SONDRIO (BPSO.MI) Stock Fundamental Analysis

BIT:BPSO • IT0000784196

17.288 EUR
+0.34 (+1.99%)
Last: Feb 18, 2026, 05:25 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Overall BPSO gets a fundamental rating of 4 out of 10. We evaluated BPSO against 110 industry peers in the Banks industry. BPSO has a medium profitability rating, but doesn't score so well on its financial health evaluation. BPSO has a decent growth rate and is not valued too expensively. Finally BPSO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year BPSO was profitable.
  • BPSO had a negative operating cash flow in the past year.
  • Each year in the past 5 years BPSO has been profitable.
  • In multiple years BPSO reported negative operating cash flow during the last 5 years.
BPSO.MI Yearly Net Income VS EBIT VS OCF VS FCFBPSO.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 0 2B -2B 4B

1.2 Ratios

  • The Return On Assets of BPSO (1.75%) is better than 91.82% of its industry peers.
  • Looking at the Return On Equity, with a value of 22.85%, BPSO belongs to the top of the industry, outperforming 93.64% of the companies in the same industry.
Industry RankSector Rank
ROA 1.75%
ROE 22.85%
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
BPSO.MI Yearly ROA, ROE, ROICBPSO.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • BPSO's Profit Margin of 37.34% is amongst the best of the industry. BPSO outperforms 87.27% of its industry peers.
  • BPSO's Profit Margin has improved in the last couple of years.
  • BPSO 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) 37.34%
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
BPSO.MI Yearly Profit, Operating, Gross MarginsBPSO.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
  • BPSO has about the same amout of shares outstanding than it did 5 years ago.
  • The debt/assets ratio for BPSO is higher compared to a year ago.
BPSO.MI Yearly Shares OutstandingBPSO.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
BPSO.MI Yearly Total Debt VS Total AssetsBPSO.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

  • BPSO has a Debt/Equity ratio of 1.31. This is a high value indicating a heavy dependency on external financing.
  • BPSO has a better Debt to Equity ratio (1.31) than 61.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.31
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.58%
BPSO.MI Yearly LT Debt VS Equity VS FCFBPSO.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BPSO.MI Yearly Current Assets VS Current LiabilitesBPSO.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

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

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 20.11% over the past year.
  • The Earnings Per Share has been growing by 33.63% on average over the past years. This is a very strong growth
  • BPSO shows a small growth in Revenue. In the last year, the Revenue has grown by 4.07%.
  • Measured over the past years, BPSO shows a quite strong growth in Revenue. The Revenue has been growing by 12.72% on average per year.
EPS 1Y (TTM)20.11%
EPS 3Y28.86%
EPS 5Y33.63%
EPS Q2Q%4.11%
Revenue 1Y (TTM)4.07%
Revenue growth 3Y16.97%
Revenue growth 5Y12.72%
Sales Q2Q%-0.64%

3.2 Future

  • Based on estimates for the next years, BPSO will show a small growth in Earnings Per Share. The EPS will grow by 3.11% on average per year.
  • The Revenue is expected to grow by 1.17% on average over the next years.
EPS Next Y15.05%
EPS Next 2Y5.95%
EPS Next 3Y4.42%
EPS Next 5Y3.11%
Revenue Next Year-0.35%
Revenue Next 2Y-0.23%
Revenue Next 3Y0.45%
Revenue Next 5Y1.17%

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 decreasing: in the next years the growth will be less than in the last years.
BPSO.MI Yearly Revenue VS EstimatesBPSO.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 500M 1B 1.5B
BPSO.MI Yearly EPS VS EstimatesBPSO.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.79 indicates a rather cheap valuation of BPSO.
  • BPSO's Price/Earnings ratio is rather cheap when compared to the industry. BPSO is cheaper than 90.91% of the companies in the same industry.
  • BPSO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.16.
  • With a Price/Forward Earnings ratio of 12.11, BPSO is valued correctly.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BPSO indicates a slightly more expensive valuation: BPSO is more expensive than 63.64% of the companies listed in the same industry.
  • BPSO is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.79
Fwd PE 12.11
BPSO.MI Price Earnings VS Forward Price EarningsBPSO.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
BPSO.MI Per share dataBPSO.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.52
PEG (5Y)0.23
EPS Next 2Y5.95%
EPS Next 3Y4.42%

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

7

5. Dividend

5.1 Amount

  • BPSO has a Yearly Dividend Yield of 4.53%, which is a nice return.
  • BPSO's Dividend Yield is comparable with the industry average which is at 4.33.
  • Compared to an average S&P500 Dividend Yield of 1.82, BPSO pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.53%

5.2 History

  • On average, the dividend of BPSO grows each year by 62.12%, which is quite nice.
Dividend Growth(5Y)62.12%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 36.22% of the earnings are spent on dividend by BPSO. This is a low number and sustainable payout ratio.
  • BPSO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.22%
EPS Next 2Y5.95%
EPS Next 3Y4.42%
BPSO.MI Yearly Income VS Free CF VS DividendBPSO.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B
BPSO.MI Dividend Payout.BPSO.MI Dividend Payout, showing the Payout Ratio.BPSO.MI Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

BANCA POPOLARE DI SONDRIO

BIT:BPSO (2/18/2026, 5:25:49 PM)

17.288

+0.34 (+1.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)05-04
Inst Owners90.67%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap7.84B
Revenue(TTM)2.65B
Net Income(TTM)989.23M
Analysts82.22
Price Target15.35 (-11.21%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.53%
Yearly Dividend0.56
Dividend Growth(5Y)62.12%
DP36.22%
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)20.88%
PT rev (3m)39.35%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)8.44%
EPS NY rev (3m)11.82%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.37%
Valuation
Industry RankSector Rank
PE 7.79
Fwd PE 12.11
P/S 2.96
P/FCF N/A
P/OCF N/A
P/B 1.81
P/tB 1.83
EV/EBITDA N/A
EPS(TTM)2.22
EY12.84%
EPS(NY)1.43
Fwd EY8.26%
FCF(TTM)-1.29
FCFYN/A
OCF(TTM)-1.14
OCFYN/A
SpS5.84
BVpS9.55
TBVpS9.46
PEG (NY)0.52
PEG (5Y)0.23
Graham Number21.84
Profitability
Industry RankSector Rank
ROA 1.75%
ROE 22.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 37.34%
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
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 3Y10.18%
PM growth 5Y18.12%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.31
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 70.04%
Cap/Sales 2.51%
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-Score6
WACC5.58%
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)20.11%
EPS 3Y28.86%
EPS 5Y33.63%
EPS Q2Q%4.11%
EPS Next Y15.05%
EPS Next 2Y5.95%
EPS Next 3Y4.42%
EPS Next 5Y3.11%
Revenue 1Y (TTM)4.07%
Revenue growth 3Y16.97%
Revenue growth 5Y12.72%
Sales Q2Q%-0.64%
Revenue Next Year-0.35%
Revenue Next 2Y-0.23%
Revenue Next 3Y0.45%
Revenue Next 5Y1.17%
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 1Y-1310.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-421.07%
OCF growth 3YN/A
OCF growth 5YN/A

BANCA POPOLARE DI SONDRIO / BPSO.MI FAQ

What is the ChartMill fundamental rating of BANCA POPOLARE DI SONDRIO (BPSO.MI) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BPSO.MI.


What is the valuation status of BANCA POPOLARE DI SONDRIO (BPSO.MI) stock?

ChartMill assigns a valuation rating of 5 / 10 to BANCA POPOLARE DI SONDRIO (BPSO.MI). This can be considered as Fairly Valued.


What is the profitability of BPSO stock?

BANCA POPOLARE DI SONDRIO (BPSO.MI) has a profitability rating of 4 / 10.


What is the valuation of BANCA POPOLARE DI SONDRIO based on its PE and PB ratios?

The Price/Earnings (PE) ratio for BANCA POPOLARE DI SONDRIO (BPSO.MI) is 7.79 and the Price/Book (PB) ratio is 1.81.


How financially healthy is BANCA POPOLARE DI SONDRIO?

The financial health rating of BANCA POPOLARE DI SONDRIO (BPSO.MI) is 1 / 10.