FBK Fundamental Analysis - FINECOBANK SPA

Fundamental Rating

FBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 91 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 quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

FBK had positive earnings in the past year.

FBK had a positive 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

FBK's Return On Assets of 2.79% is amongst the best of the industry. FBK outperforms 100.00% of its industry peers.

FBK has a better Return On Equity (40.55%) than 100.00% of its industry peers.

		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

FBK has a Profit Margin of 39.13%. This is amongst the best in the industry. FBK outperforms 91.01% 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)	39.13%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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 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.

With an excellent Debt to FCF ratio value of 14.78, FBK belongs to the best of the industry, outperforming 83.15% of the companies in the same industry.

A Debt/Equity ratio of 0.84 indicates that FBK is somewhat dependend on debt financing.

The Debt to Equity ratio of FBK (0.84) is better than 79.78% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.84
Debt/FCF	14.78
Altman-Z	N/A

ROIC/WACCN/A

WACC7.55%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.92% over the past year.

FBK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.65% yearly.

FBK shows a small growth in Revenue. In the last year, the Revenue has grown by 6.03%.

The Revenue has been growing by 13.61% on average over the past years. This is quite good.

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

FBK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.35% yearly.

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

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

The Price/Earnings ratio is 16.89, which indicates a correct valuation of FBK.

FBK's Price/Earnings ratio is rather expensive when compared to the industry. FBK is more expensive than 88.76% of the companies in the same industry.

FBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.41.

Based on the Price/Forward Earnings ratio of 18.16, the valuation of FBK can be described as rather expensive.

Based on the Price/Forward Earnings ratio, FBK is valued a bit more expensive than the industry average as 78.65% of the companies are valued more cheaply.

The average S&P500 Price/Forward Earnings ratio is at 35.19. FBK is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	16.89
Fwd PE	18.16

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FBK indicates a somewhat cheap valuation: FBK is cheaper than 73.03% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	83.38
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%

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5. Dividend

5.1 Amount

FBK has a Yearly Dividend Yield of 3.95%.

FBK's Dividend Yield is slightly below the industry average, which is at 5.19.

FBK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	3.95%

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

46.66% 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.

DP46.66%

EPS Next 2Y-2.08%

EPS Next 3Y0.67%

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FINECOBANK SPA

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

18.58

-0.14 (-0.75%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-07 2025-05-07/bmo

Earnings (Next)07-30 2025-07-30

Inst Owners76.62%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap11.36B

Analysts80

Price Target20.26 (9.04%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.95%

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)2.12%

PT rev (3m)4.12%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0.58%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.23%

Valuation

		Industry Rank	Sector Rank
PE	16.89
Fwd PE	18.16
P/S	4.59
P/FCF	83.38
P/OCF	73.35
P/B	4.76
P/tB	5.02
EV/EBITDA	N/A

EPS(TTM)1.1

EY5.92%

EPS(NY)1.02

Fwd EY5.51%

FCF(TTM)0.22

FCFY1.2%

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

WACC7.55%

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

FINECOBANK SPA (FBK.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

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