FINECOBANK SPA (FBK.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:FBK - IT0000072170 - Common Stock
22.55 EUR
+0.05 (+0.22%)
Overall FBK gets a fundamental rating of 3 out of 10. We evaluated FBK against 114 industry peers in the Banks industry. While FBK is still in line with the averages on profitability rating, there are concerns on its financial health. FBK is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
FBK had positive earnings in the past year.
FBK had a negative operating cash flow in the past year.
Each year in the past 5 years FBK has been profitable.
Of the past 5 years FBK 4 years had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 2.78%, FBK belongs to the best of the industry, outperforming 98.25% of the companies in the same industry.
FBK's Return On Equity of 43.83% is amongst the best of the industry. FBK outperforms 99.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.78% | ||
| ROE | 43.83% | ||
| ROIC | N/A |
ROA(3y)1.63%
ROA(5y)1.41%
ROE(3y)25.83%
ROE(5y)23.74%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of FBK (39.56%) is better than 90.35% of its industry peers.
FBK's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for FBK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 39.56% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.75%
PM growth 5Y3.63%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FBK remains at a similar level compared to 1 year ago.
The number of shares outstanding for FBK has been increased compared to 5 years ago.
The debt/assets ratio for FBK has been reduced compared to a year ago.
2.2 Solvency
FBK has a Debt/Equity ratio of 1.03. This is a high value indicating a heavy dependency on external financing.
FBK's Debt to Equity ratio of 1.03 is fine compared to the rest of the industry. FBK outperforms 74.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.03 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.51%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.71% over the past year.
The Earnings Per Share has been growing by 17.65% on average over the past years. This is quite good.
The Revenue has been growing slightly by 2.48% in the past year.
The Revenue has been growing by 13.61% on average over the past years. This is quite good.
EPS 1Y (TTM)3.71%
EPS 3Y19.56%
EPS 5Y17.65%
EPS Q2Q%-4.25%
Revenue 1Y (TTM)2.48%
Revenue growth 3Y14.23%
Revenue growth 5Y13.61%
Sales Q2Q%-0.15%
3.2 Future
FBK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.38% yearly.
The Revenue is expected to grow by 6.20% on average over the next years.
EPS Next Y-3.75%
EPS Next 2Y1.06%
EPS Next 3Y3.4%
EPS Next 5Y5.38%
Revenue Next Year-0.38%
Revenue Next 2Y2.83%
Revenue Next 3Y4.34%
Revenue Next 5Y6.2%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 21.07, which indicates a rather expensive current valuation of FBK.
Compared to the rest of the industry, the Price/Earnings ratio of FBK indicates a rather expensive valuation: FBK more expensive than 90.35% of the companies listed in the same industry.
FBK is valuated rather cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
FBK is valuated rather expensively with a Price/Forward Earnings ratio of 20.69.
Based on the Price/Forward Earnings ratio, FBK is valued expensively inside the industry as 83.33% of the companies are valued cheaper.
The average S&P500 Price/Forward Earnings ratio is at 23.88. FBK is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.07 | ||
| Fwd PE | 20.69 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.19
EPS Next 2Y1.06%
EPS Next 3Y3.4%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.33%, FBK has a reasonable but not impressive dividend return.
FBK's Dividend Yield is comparable with the industry average which is at 3.98.
Compared to an average S&P500 Dividend Yield of 1.94, FBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
5.2 History
The dividend of FBK is nicely growing with an annual growth rate of 17.06%!
Dividend Growth(5Y)17.06%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
49.15% of the earnings are spent on dividend by FBK. This is a bit on the high side, but may be sustainable.
FBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP49.15%
EPS Next 2Y1.06%
EPS Next 3Y3.4%
BIT:FBK (1/9/2026, 7:00:00 PM)
22.55
+0.05 (+0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.56%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap13.79B
Revenue(TTM)2.49B
Net Income(TTM)983.67M
Analysts80
Price Target23.1 (2.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
Yearly Dividend0.74
Dividend Growth(5Y)17.06%
DP49.15%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.07%
Min EPS beat(2)-0.99%
Max EPS beat(2)3.14%
EPS beat(4)3
Avg EPS beat(4)2.41%
Min EPS beat(4)-0.99%
Max EPS beat(4)5.08%
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)2
Avg Revenue beat(2)0.53%
Min Revenue beat(2)0.21%
Max Revenue beat(2)0.86%
Revenue beat(4)4
Avg Revenue beat(4)0.84%
Min Revenue beat(4)0.21%
Max Revenue beat(4)1.33%
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)1.25%
PT rev (3m)9.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.33%
EPS NY rev (1m)0.73%
EPS NY rev (3m)2.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.38%
Revenue NY rev (3m)2.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.07 | ||
| Fwd PE | 20.69 | ||
| P/S | 5.55 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.14 | ||
| P/tB | 6.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.07
EY4.75%
EPS(NY)1.09
Fwd EY4.83%
FCF(TTM)-0.99
FCFYN/A
OCF(TTM)-0.95
OCFYN/A
SpS4.07
BVpS3.67
TBVpS3.47
PEG (NY)N/A
PEG (5Y)1.19
Graham Number9.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.78% | ||
| ROE | 43.83% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 39.56% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)1.63%
ROA(5y)1.41%
ROE(3y)25.83%
ROE(5y)23.74%
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 3Y4.75%
PM growth 5Y3.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.03 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 86.18% | ||
| Cap/Sales | 0.92% | ||
| 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-Score4
WACC7.51%
ROIC/WACCN/A
Cap/Depr(3y)59.81%
Cap/Depr(5y)70.1%
Cap/Sales(3y)0.97%
Cap/Sales(5y)1.36%
Profit Quality(3y)88.26%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.71%
EPS 3Y19.56%
EPS 5Y17.65%
EPS Q2Q%-4.25%
EPS Next Y-3.75%
EPS Next 2Y1.06%
EPS Next 3Y3.4%
EPS Next 5Y5.38%
Revenue 1Y (TTM)2.48%
Revenue growth 3Y14.23%
Revenue growth 5Y13.61%
Sales Q2Q%-0.15%
Revenue Next Year-0.38%
Revenue Next 2Y2.83%
Revenue Next 3Y4.34%
Revenue Next 5Y6.2%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-2.66%
EBIT Next 3Y4.75%
EBIT Next 5YN/A
FCF growth 1Y-300.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-285.13%
OCF growth 3YN/A
OCF growth 5YN/A
FINECOBANK SPA / FBK.MI FAQ
What is the fundamental rating for FBK stock?
ChartMill assigns a fundamental rating of 3 / 10 to FBK.MI.
Can you provide the valuation status for FINECOBANK SPA?
ChartMill assigns a valuation rating of 1 / 10 to FINECOBANK SPA (FBK.MI). This can be considered as Overvalued.
How profitable is FINECOBANK SPA (FBK.MI) stock?
FINECOBANK SPA (FBK.MI) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for FBK stock?
The Price/Earnings (PE) ratio for FINECOBANK SPA (FBK.MI) is 21.07 and the Price/Book (PB) ratio is 6.14.
Can you provide the dividend sustainability for FBK stock?
The dividend rating of FINECOBANK SPA (FBK.MI) is 5 / 10 and the dividend payout ratio is 49.15%.