FINECOBANK SPA (FBK.MI) Stock Fundamental Analysis
BIT:FBK - Euronext Milan - IT0000072170 - Common Stock - Currency: EUR
Overall FBK gets a fundamental rating of 4 out of 10. We evaluated FBK against 96 industry peers in the Banks industry. FBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, FBK is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year FBK was profitable.
FBK had a positive 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.
1.2 Ratios
FBK has a better Return On Assets (2.79%) than 100.00% of its industry peers.
Looking at the Return On Equity, with a value of 40.55%, FBK belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.79% | ||
| ROE | 40.55% | ||
| 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
Looking at the Profit Margin, with a value of 39.13%, FBK belongs to the top of the industry, outperforming 91.67% of the companies in the same industry.
FBK's Profit Margin has improved in the last couple of years.
FBK 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) | 39.13% | ||
| 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.
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.
2.2 Solvency
FBK has a debt to FCF ratio of 14.78. This is a negative value and a sign of low solvency as FBK would need 14.78 years to pay back of all of its debts.
FBK's Debt to FCF ratio of 14.78 is amongst the best of the industry. FBK outperforms 81.25% of its industry peers.
FBK has a Debt/Equity ratio of 0.84. This is a neutral value indicating FBK is somewhat dependend on debt financing.
FBK has a better Debt to Equity ratio (0.84) than 80.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.84 | ||
| Debt/FCF | 14.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.92%, which is quite good.
Measured over the past years, FBK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.65% on average per year.
The Revenue has been growing slightly by 6.03% in the past year.
FBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.61% yearly.
EPS 1Y (TTM)8.92%
EPS 3Y19.56%
EPS 5Y17.65%
EPS Q2Q%12.5%
Revenue 1Y (TTM)6.03%
Revenue growth 3Y14.23%
Revenue growth 5Y13.61%
Sales Q2Q%0.7%
3.2 Future
The Earnings Per Share is expected to grow by 2.35% on average over the next years.
FBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.54% yearly.
EPS Next Y-7.7%
EPS Next 2Y-2.08%
EPS Next 3Y0.67%
EPS Next 5Y2.35%
Revenue Next Year-3.33%
Revenue Next 2Y0.57%
Revenue Next 3Y2.77%
Revenue Next 5Y5.54%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 16.99, which indicates a correct 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 88.54% of the companies listed in the same industry.
FBK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 18.26, which indicates a rather expensive current valuation of FBK.
79.17% of the companies in the same industry are cheaper than FBK, based on the Price/Forward Earnings ratio.
FBK is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.99 | ||
| Fwd PE | 18.26 |
4.2 Price Multiples
FBK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FBK is cheaper than 69.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 83.85 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.96
EPS Next 2Y-2.08%
EPS Next 3Y0.67%
5. Dividend
5.1 Amount
FBK has a Yearly Dividend Yield of 3.79%. Purely for dividend investing, there may be better candidates out there.
FBK's Dividend Yield is slightly below the industry average, which is at 5.14.
Compared to an average S&P500 Dividend Yield of 2.40, FBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.79% |
5.2 History
On average, the dividend of FBK grows each year by 17.06%, which is quite nice.
Dividend Growth(5Y)17.06%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
FBK pays out 46.66% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of FBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP46.66%
EPS Next 2Y-2.08%
EPS Next 3Y0.67%
BIT:FBK (6/19/2025, 5:36:15 PM)
18.685
-0.19 (-1.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners76.62%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap11.43B
Analysts80
Price Target19.84 (6.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.79% |
Yearly Dividend0.74
Dividend Growth(5Y)17.06%
DP46.66%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.75%
Min EPS beat(2)2.42%
Max EPS beat(2)5.08%
EPS beat(4)4
Avg EPS beat(4)6.52%
Min EPS beat(4)2.42%
Max EPS beat(4)9.58%
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)1.15%
Min Revenue beat(2)0.96%
Max Revenue beat(2)1.33%
Revenue beat(4)4
Avg Revenue beat(4)1.59%
Min Revenue beat(4)0.96%
Max Revenue beat(4)2.47%
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)0.06%
PT rev (3m)4.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.02%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.99 | ||
| Fwd PE | 18.26 | ||
| P/S | 4.61 | ||
| P/FCF | 83.85 | ||
| P/OCF | 73.76 | ||
| P/B | 4.78 | ||
| P/tB | 5.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.1
EY5.89%
EPS(NY)1.02
Fwd EY5.48%
FCF(TTM)0.22
FCFY1.19%
OCF(TTM)0.25
OCFY1.36%
SpS4.05
BVpS3.91
TBVpS3.7
PEG (NY)N/A
PEG (5Y)0.96
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.79% | ||
| ROE | 40.55% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 39.13% | ||
| GM | N/A | ||
| FCFM | 5.5% |
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-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.84 | ||
| Debt/FCF | 14.78 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 72.26% | ||
| Cap/Sales | 0.75% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 14.07% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC7.77%
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)8.92%
EPS 3Y19.56%
EPS 5Y17.65%
EPS Q2Q%12.5%
EPS Next Y-7.7%
EPS Next 2Y-2.08%
EPS Next 3Y0.67%
EPS Next 5Y2.35%
Revenue 1Y (TTM)6.03%
Revenue growth 3Y14.23%
Revenue growth 5Y13.61%
Sales Q2Q%0.7%
Revenue Next Year-3.33%
Revenue Next 2Y0.57%
Revenue Next 3Y2.77%
Revenue Next 5Y5.54%
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-87.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-86.38%
OCF growth 3YN/A
OCF growth 5YN/A