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FINECOBANK SPA (FBK.MI) Stock Fundamental Analysis

BIT:FBK - IT0000072170 - Common Stock

18.89 EUR
+0.31 (+1.67%)
Last: 9/11/2025, 7:00:00 PM
Fundamental Rating

3

Taking everything into account, FBK scores 3 out of 10 in our fundamental rating. FBK was compared to 89 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.


Dividend Valuation Growth Profitability Health

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4

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.
FBK had a positive operating cash flow in 4 of the past 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B

1.2 Ratios

The Return On Assets of FBK (2.78%) is better than 98.88% of its industry peers.
FBK has a Return On Equity of 43.83%. This is amongst the best in the industry. FBK outperforms 100.00% of its industry peers.
Industry RankSector 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
FBK.MI Yearly ROA, ROE, ROICFBK.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

FBK's Profit Margin of 39.56% is amongst the best of the industry. FBK outperforms 89.89% 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 RankSector 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
FBK.MI Yearly Profit, Operating, Gross MarginsFBK.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

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.
Compared to 5 years ago, FBK has more shares outstanding
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
FBK.MI Yearly Total Debt VS Total AssetsFBK.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

FBK has a Debt/Equity ratio of 1.03. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of FBK (1.03) is better than 73.03% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.45%
FBK.MI Yearly LT Debt VS Equity VS FCFFBK.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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4

3. Growth

3.1 Past

FBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.28%.
The Earnings Per Share has been growing by 17.65% on average over the past years. This is quite good.
FBK shows a small growth in Revenue. In the last year, the Revenue has grown by 2.93%.
The Revenue has been growing by 13.61% on average over the past years. This is quite good.
EPS 1Y (TTM)7.28%
EPS 3Y19.56%
EPS 5Y17.65%
EPS Q2Q%-10.71%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y14.23%
Revenue growth 5Y13.61%
Sales Q2Q%-4.89%

3.2 Future

The Earnings Per Share is expected to grow by 3.02% on average over the next years.
The Revenue is expected to grow by 5.90% on average over the next years.
EPS Next Y-6.55%
EPS Next 2Y-0.48%
EPS Next 3Y2.2%
EPS Next 5Y3.02%
Revenue Next Year-2.42%
Revenue Next 2Y1.39%
Revenue Next 3Y3.36%
Revenue Next 5Y5.9%

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.
FBK.MI Yearly Revenue VS EstimatesFBK.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.2 0.4 0.6 0.8 1

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 17.65, which indicates a rather expensive current valuation of FBK.
87.64% of the companies in the same industry are cheaper than FBK, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.44. FBK is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 17.88, FBK is valued on the expensive side.
Based on the Price/Forward Earnings ratio, FBK is valued a bit more expensive than the industry average as 79.78% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.87. FBK is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17.65
Fwd PE 17.88
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 0 1 2 3 4

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1
EPS Next 2Y-0.48%
EPS Next 3Y2.2%

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4

5. Dividend

5.1 Amount

FBK has a Yearly Dividend Yield of 3.98%.
Compared to an average industry Dividend Yield of 5.09, FBK is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.45, FBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.98%

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 2Y-0.48%
EPS Next 3Y2.2%
FBK.MI Yearly Income VS Free CF VS DividendFBK.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B
FBK.MI Dividend Payout.FBK.MI Dividend Payout, showing the Payout Ratio.FBK.MI Dividend Payout.PayoutRetained Earnings

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FINECOBANK SPA

BIT:FBK (9/11/2025, 7:00:00 PM)

18.89

+0.31 (+1.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31 2025-07-31/bmo
Earnings (Next)11-04 2025-11-04
Inst Owners76.62%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap11.55B
Analysts81.05
Price Target21.06 (11.49%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.98%
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)2%
PT rev (3m)6.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.24%
EPS NY rev (3m)1.24%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.39%
Revenue NY rev (3m)0.94%
Valuation
Industry RankSector Rank
PE 17.65
Fwd PE 17.88
P/S 4.65
P/FCF N/A
P/OCF N/A
P/B 5.15
P/tB 5.45
EV/EBITDA N/A
EPS(TTM)1.07
EY5.66%
EPS(NY)1.06
Fwd EY5.59%
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
Profitability
Industry RankSector 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
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 3Y4.75%
PM growth 5Y3.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.07
Health
Industry RankSector 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
WACC7.45%
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)7.28%
EPS 3Y19.56%
EPS 5Y17.65%
EPS Q2Q%-10.71%
EPS Next Y-6.55%
EPS Next 2Y-0.48%
EPS Next 3Y2.2%
EPS Next 5Y3.02%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y14.23%
Revenue growth 5Y13.61%
Sales Q2Q%-4.89%
Revenue Next Year-2.42%
Revenue Next 2Y1.39%
Revenue Next 3Y3.36%
Revenue Next 5Y5.9%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-5.5%
EBIT Next 3Y1.39%
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