FINECOBANK SPA (FBK.MI) Fundamental Analysis & Valuation

BIT:FBK • IT0000072170

Current stock price

19.125 EUR
+0.33 (+1.76%)
Last:

This FBK.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FBK.MI Profitability Analysis

1.1 Basic Checks

  • FBK had positive earnings in the past year.
  • In the past 5 years FBK has always been profitable.
  • In multiple years FBK reported negative operating cash flow during the last 5 years.
FBK.MI Yearly Net Income VS EBIT VS OCF VS FCFFBK.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 2025 0 1B -1B 2B

1.2 Ratios

  • The Return On Assets of FBK (2.61%) is better than 98.18% of its industry peers.
  • Looking at the Return On Equity, with a value of 38.14%, FBK belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
ROA 2.61%
ROE 38.14%
ROIC N/A
ROA(3y)1.81%
ROA(5y)1.55%
ROE(3y)26.8%
ROE(5y)24.97%
ROIC(3y)N/A
ROIC(5y)N/A
FBK.MI Yearly ROA, ROE, ROICFBK.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • With an excellent Profit Margin value of 43.40%, FBK belongs to the best of the industry, outperforming 94.55% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 43.4%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.57%
PM growth 5Y10.5%
GM growth 3YN/A
GM growth 5YN/A
FBK.MI Yearly Profit, Operating, Gross MarginsFBK.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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2

2. FBK.MI Health Analysis

2.1 Basic Checks

  • FBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FBK has about the same amout of shares outstanding than it did 1 year ago.
  • FBK has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for FBK has been reduced compared to a year ago.
FBK.MI Yearly Shares OutstandingFBK.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
FBK.MI Yearly Total Debt VS Total AssetsFBK.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • FBK has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.32, FBK belongs to the best of the industry, outperforming 85.45% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.36%
FBK.MI Yearly LT Debt VS Equity VS FCFFBK.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FBK.MI Yearly Current Assets VS Current LiabilitesFBK.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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

4

3. FBK.MI Growth Analysis

3.1 Past

  • FBK shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.66%.
  • The Earnings Per Share has been growing by 14.83% on average over the past years. This is quite good.
  • FBK shows a decrease in Revenue. In the last year, the revenue decreased by -9.39%.
  • FBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.95% yearly.
EPS 1Y (TTM)-0.66%
EPS 3Y14.62%
EPS 5Y14.83%
EPS Q2Q%0%
Revenue 1Y (TTM)-9.39%
Revenue growth 3Y-1.58%
Revenue growth 5Y3.95%
Sales Q2Q%4.37%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.12% on average over the next years. This is quite good.
  • FBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.10% yearly.
EPS Next Y3.91%
EPS Next 2Y6.78%
EPS Next 3Y7.83%
EPS Next 5Y8.12%
Revenue Next Year7.79%
Revenue Next 2Y7.79%
Revenue Next 3Y8.47%
Revenue Next 5Y8.1%

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 accelerating.
FBK.MI Yearly Revenue VS EstimatesFBK.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
FBK.MI Yearly EPS VS EstimatesFBK.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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1

4. FBK.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 18.04, the valuation of FBK can be described as rather expensive.
  • 91.82% of the companies in the same industry are cheaper than FBK, based on the Price/Earnings ratio.
  • FBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.61.
  • The Price/Forward Earnings ratio is 17.36, which indicates a rather expensive current valuation of FBK.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FBK indicates a rather expensive valuation: FBK more expensive than 83.64% of the companies listed in the same industry.
  • FBK is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.79, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.04
Fwd PE 17.36
FBK.MI Price Earnings VS Forward Price EarningsFBK.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
FBK.MI Per share dataFBK.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)4.61
PEG (5Y)1.22
EPS Next 2Y6.78%
EPS Next 3Y7.83%

More info and screens

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

6

5. FBK.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.29%, FBK is a good candidate for dividend investing.
  • FBK's Dividend Yield is comparable with the industry average which is at 4.75.
  • Compared to an average S&P500 Dividend Yield of 1.89, FBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.29%

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

  • FBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y6.78%
EPS Next 3Y7.83%
FBK.MI Yearly Income VS Free CF VS DividendFBK.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

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FBK.MI Fundamentals: All Metrics, Ratios and Statistics

FINECOBANK SPA

BIT:FBK (3/25/2026, 7:00:00 PM)

19.125

+0.33 (+1.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06
Earnings (Next)05-04
Inst Owners80.86%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap11.70B
Revenue(TTM)2.24B
Net Income(TTM)973.92M
Analysts81
Price Target25.06 (31.03%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.29%
Yearly Dividend0.74
Dividend Growth(5Y)17.06%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.85%
Min EPS beat(2)0.88%
Max EPS beat(2)2.82%
EPS beat(4)3
Avg EPS beat(4)1.46%
Min EPS beat(4)-0.99%
Max EPS beat(4)3.14%
EPS beat(8)7
Avg EPS beat(8)3.99%
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)0.51%
Min Revenue beat(2)-0.26%
Max Revenue beat(2)1.28%
Revenue beat(4)3
Avg Revenue beat(4)0.52%
Min Revenue beat(4)-0.26%
Max Revenue beat(4)1.28%
Revenue beat(8)7
Avg Revenue beat(8)1.06%
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)1.29%
PT rev (3m)8.71%
EPS NQ rev (1m)-4.73%
EPS NQ rev (3m)-2.96%
EPS NY rev (1m)0.64%
EPS NY rev (3m)1.89%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.86%
Revenue NY rev (3m)2.22%
Valuation
Industry RankSector Rank
PE 18.04
Fwd PE 17.36
P/S 5.21
P/FCF N/A
P/OCF N/A
P/B 4.58
P/tB 4.81
EV/EBITDA N/A
EPS(TTM)1.06
EY5.54%
EPS(NY)1.1
Fwd EY5.76%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.67
BVpS4.17
TBVpS3.97
PEG (NY)4.61
PEG (5Y)1.22
Graham Number9.98
Profitability
Industry RankSector Rank
ROA 2.61%
ROE 38.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 43.4%
GM N/A
FCFM N/A
ROA(3y)1.81%
ROA(5y)1.55%
ROE(3y)26.8%
ROE(5y)24.97%
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 3Y16.57%
PM growth 5Y10.5%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.32
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
WACC7.36%
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)-0.66%
EPS 3Y14.62%
EPS 5Y14.83%
EPS Q2Q%0%
EPS Next Y3.91%
EPS Next 2Y6.78%
EPS Next 3Y7.83%
EPS Next 5Y8.12%
Revenue 1Y (TTM)-9.39%
Revenue growth 3Y-1.58%
Revenue growth 5Y3.95%
Sales Q2Q%4.37%
Revenue Next Year7.79%
Revenue Next 2Y7.79%
Revenue Next 3Y8.47%
Revenue Next 5Y8.1%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year9.52%
EBIT Next 3Y10.61%
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

FINECOBANK SPA / FBK.MI Fundamental Analysis 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 18.04 and the Price/Book (PB) ratio is 4.58.


Can you provide the dividend sustainability for FBK stock?

The dividend rating of FINECOBANK SPA (FBK.MI) is 6 / 10 and the dividend payout ratio is 0%.