FINECOBANK SPA (FBK.MI) Fundamental Analysis & Valuation

BIT:FBK • IT0000072170

Current stock price

21.08 EUR
-0.04 (-0.19%)
Last:

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

5

1. FBK.MI Profitability Analysis

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

1.2 Ratios

  • With an excellent Return On Assets value of 2.61%, FBK belongs to the best of the industry, outperforming 97.03% of the companies in the same industry.
  • FBK has a better Return On Equity (38.14%) than 99.01% of its industry peers.
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

  • FBK has a better Profit Margin (38.62%) than 89.11% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 38.62%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.81%
PM growth 5Y3.08%
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

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3

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.
  • 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
  • FBK has a better debt/assets ratio than last year.
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

  • The Debt to FCF ratio of FBK is 5.89, which is a neutral value as it means it would take FBK, 5.89 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 5.89, FBK belongs to the best of the industry, outperforming 87.13% of the companies in the same industry.
  • FBK has a Debt/Equity ratio of 0.97. This is a neutral value indicating FBK is somewhat dependend on debt financing.
  • The Debt to Equity ratio of FBK (0.97) is better than 71.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 5.89
Altman-Z N/A
ROIC/WACCN/A
WACC7.58%
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

5

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%.
  • FBK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.78% yearly.
  • The Revenue has been growing slightly by 1.82% in the past year.
  • Measured over the past years, FBK shows a quite strong growth in Revenue. The Revenue has been growing by 11.44% on average per year.
EPS 1Y (TTM)-0.66%
EPS 3Y14.54%
EPS 5Y14.78%
EPS Q2Q%0%
Revenue 1Y (TTM)1.82%
Revenue growth 3Y10.51%
Revenue growth 5Y11.44%
Sales Q2Q%4.37%

3.2 Future

  • Based on estimates for the next years, FBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.56% on average per year.
  • FBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.71% yearly.
EPS Next Y3.36%
EPS Next 2Y6.65%
EPS Next 3Y7.97%
EPS Next 5Y8.56%
Revenue Next Year8.7%
Revenue Next 2Y8.84%
Revenue Next 3Y8.94%
Revenue Next 5Y8.71%

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.
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

  • The Price/Earnings ratio is 19.89, which indicates a rather expensive current valuation of FBK.
  • Based on the Price/Earnings ratio, FBK is valued more expensive than 93.07% of the companies in the same industry.
  • FBK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 19.24, FBK is valued on the expensive side.
  • 84.16% of the companies in the same industry are cheaper than FBK, based on the Price/Forward Earnings ratio.
  • FBK's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 21.36.
Industry RankSector Rank
PE 19.89
Fwd PE 19.24
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

  • FBK's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 30.79
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 FBK does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)5.92
PEG (5Y)1.35
EPS Next 2Y6.65%
EPS Next 3Y7.97%

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

5

5. FBK.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.67%, FBK has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.48, FBK has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, FBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.67%

5.2 History

  • The dividend of FBK is nicely growing with an annual growth rate of 78.87%!
Dividend Growth(5Y)78.87%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • FBK pays out 50.21% 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.
DP50.21%
EPS Next 2Y6.65%
EPS Next 3Y7.97%
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
FBK.MI Dividend Payout.FBK.MI Dividend Payout, showing the Payout Ratio.FBK.MI Dividend Payout.PayoutRetained Earnings

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FBK.MI Fundamentals: All Metrics, Ratios and Statistics

FINECOBANK SPA

BIT:FBK (4/30/2026, 7:00:00 PM)

21.08

-0.04 (-0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength83.78
Industry Growth90.67
Earnings (Last)02-06
Earnings (Next)05-12
Inst Owners79.55%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap12.90B
Revenue(TTM)2.52B
Net Income(TTM)973.92M
Analysts82
Price Target25.04 (18.79%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.67%
Yearly Dividend0.8
Dividend Growth(5Y)78.87%
DP50.21%
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)-0.09%
PT rev (3m)7.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.73%
EPS NY rev (1m)-0.53%
EPS NY rev (3m)0.1%
Revenue NQ rev (1m)-0.64%
Revenue NQ rev (3m)1%
Revenue NY rev (1m)0.84%
Revenue NY rev (3m)2.72%
Valuation
Industry RankSector Rank
PE 19.89
Fwd PE 19.24
P/S 5.12
P/FCF 30.79
P/OCF 29.56
P/B 5.05
P/tB 5.31
EV/EBITDA N/A
EPS(TTM)1.06
EY5.03%
EPS(NY)1.1
Fwd EY5.2%
FCF(TTM)0.68
FCFY3.25%
OCF(TTM)0.71
OCFY3.38%
SpS4.12
BVpS4.17
TBVpS3.97
PEG (NY)5.92
PEG (5Y)1.35
Graham Number9.97609 (-52.68%)
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) 38.62%
GM N/A
FCFM 16.62%
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 3Y3.81%
PM growth 5Y3.08%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 5.89
Debt/EBITDA N/A
Cap/Depr 62.74%
Cap/Sales 0.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 43.02%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC7.58%
ROIC/WACCN/A
Cap/Depr(3y)64.12%
Cap/Depr(5y)59.5%
Cap/Sales(3y)0.96%
Cap/Sales(5y)1.01%
Profit Quality(3y)89.96%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.66%
EPS 3Y14.54%
EPS 5Y14.78%
EPS Q2Q%0%
EPS Next Y3.36%
EPS Next 2Y6.65%
EPS Next 3Y7.97%
EPS Next 5Y8.56%
Revenue 1Y (TTM)1.82%
Revenue growth 3Y10.51%
Revenue growth 5Y11.44%
Sales Q2Q%4.37%
Revenue Next Year8.7%
Revenue Next 2Y8.84%
Revenue Next 3Y8.94%
Revenue Next 5Y8.71%
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 1Y207.43%
FCF growth 3Y17.89%
FCF growth 5Y-16.66%
OCF growth 1Y181.68%
OCF growth 3Y17.49%
OCF growth 5Y-16.44%

FINECOBANK SPA / FBK.MI Fundamental Analysis FAQ

What is the fundamental rating for FBK stock?

ChartMill assigns a fundamental rating of 4 / 10 to FBK.MI.


What is the valuation status of FINECOBANK SPA (FBK.MI) stock?

ChartMill assigns a valuation rating of 1 / 10 to FINECOBANK SPA (FBK.MI). This can be considered as Overvalued.


Can you provide the profitability details for FINECOBANK SPA?

FINECOBANK SPA (FBK.MI) has a profitability rating of 5 / 10.


What is the financial health of FINECOBANK SPA (FBK.MI) stock?

The financial health rating of FINECOBANK SPA (FBK.MI) is 3 / 10.


How sustainable is the dividend of FINECOBANK SPA (FBK.MI) stock?

The dividend rating of FINECOBANK SPA (FBK.MI) is 5 / 10 and the dividend payout ratio is 50.21%.