BPSO Fundamental Analysis - BANCA POPOLARE DI SONDRIO

Fundamental Rating

Overall BPSO gets a fundamental rating of 3 out of 10. We evaluated BPSO against 92 industry peers in the Banks industry. BPSO has a medium profitability rating, but doesn't score so well on its financial health evaluation. BPSO is not valued too expensively and it also shows a decent 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

The Return On Assets of BPSO (1.57%) is better than 91.21% of its industry peers.

Looking at the Return On Equity, with a value of 21.38%, BPSO belongs to the top of the industry, outperforming 95.60% 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's Profit Margin of 34.09% is amongst the best of the industry. BPSO outperforms 85.71% of its industry peers.

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

BPSO 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)	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.

BPSO has about the same amout of shares outstanding than it did 5 years ago.

BPSO has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 1.24 is on the high side and indicates that BPSO has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 1.24, BPSO is in the better half of the industry, outperforming 69.23% of the companies in the same industry.

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

ROIC/WACCN/A

WACC5.06%

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

BPSO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.60%, which is quite impressive.

Measured over the past years, BPSO shows a very strong growth in Earnings Per Share. The EPS has been growing by 33.63% on average per year.

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

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)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

BPSO is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.26% yearly.

The Revenue is expected to decrease by -0.72% on average over the next years.

EPS Next Y-3.99%

EPS Next 2Y-5.17%

EPS Next 3Y-2.35%

EPS Next 5Y-0.26%

Revenue Next Year-1.87%

Revenue Next 2Y-1.14%

Revenue Next 3Y0.17%

Revenue Next 5Y-0.72%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 5.94, the valuation of BPSO can be described as very cheap.

93.41% of the companies in the same industry are more expensive than BPSO, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 26.51, BPSO is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 10.60, the valuation of BPSO can be described as reasonable.

BPSO's Price/Forward Earnings is on the same level as the industry average.

The average S&P500 Price/Forward Earnings ratio is at 34.09. BPSO is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	5.94
Fwd PE	10.6

4.2 Price Multiples

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

4.3 Compensation for Growth

A cheap valuation may be justified as BPSO's earnings are expected to decrease with -2.35% in the coming years.

PEG (NY)N/A

PEG (5Y)0.18

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 6.71%, BPSO is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 4.93, BPSO pays a better dividend. On top of this BPSO pays more dividend than 85.71% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.40, BPSO pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.71%

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

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 (8/11/2025, 9:18:00 AM)

12.125

+0.11 (+0.87%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-05 2025-08-05

Earnings (Next)11-04 2025-11-04

Inst Owners17.96%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap5.50B

Analysts43.33

Price Target10.97 (-9.53%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.71%

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)0.94%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-12.58%

Revenue NY rev (3m)-12.58%

Valuation

		Industry Rank	Sector Rank
PE	5.94
Fwd PE	10.6
P/S	2.11
P/FCF	N/A
P/OCF	N/A
P/B	1.32
P/tB	1.33
EV/EBITDA	N/A

EPS(TTM)2.04

EY16.82%

EPS(NY)1.14

Fwd EY9.43%

FCF(TTM)-1.39

FCFYN/A

OCF(TTM)-1.12

OCFYN/A

SpS5.75

BVpS9.17

TBVpS9.09

PEG (NY)N/A

PEG (5Y)0.18

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

WACC5.06%

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 5Y-0.26%

Revenue 1Y (TTM)11.35%

Revenue growth 3Y16.97%

Revenue growth 5Y12.72%

Sales Q2Q%2.24%

Revenue Next Year-1.87%

Revenue Next 2Y-1.14%

Revenue Next 3Y0.17%

Revenue Next 5Y-0.72%

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