FINECOBANK SPA (FBK.MI) Fundamental Analysis & Valuation

BIT:FBK • IT0000072170

19.035 EUR
-0.05 (-0.26%)
Last: Mar 13, 2026, 11:02 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

3

FBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 116 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. While showing a medium growth rate, FBK is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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.
  • The reported operating cash flow has been mixed in the past 5 years: FBK reported negative operating cash flow in multiple 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 97.41% of the companies in the same industry.
  • 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

  • The Profit Margin of FBK (43.40%) is better than 94.83% of its industry peers.
  • In the last couple of years the Profit Margin of FBK has grown nicely.
  • 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.
  • 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
  • Compared to 1 year ago, FBK has an improved debt to assets ratio.
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

  • A Debt/Equity ratio of 0.32 indicates that FBK is not too dependend on debt financing.
  • The Debt to Equity ratio of FBK (0.32) is better than 85.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.44%
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%.
  • FBK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.83% yearly.
  • Looking at the last year, FBK shows a decrease in Revenue. The Revenue has decreased by -9.39% in the last year.
  • 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

  • Based on estimates for the next years, FBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.12% on average per year.
  • The Revenue is expected to grow by 8.10% on average over the next years. This is quite good.
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

  • FBK is valuated rather expensively with a Price/Earnings ratio of 17.96.
  • Based on the Price/Earnings ratio, FBK is valued more expensive than 92.24% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, FBK is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 17.28, the valuation of FBK can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, FBK is valued more expensive than 85.34% of the companies in the same industry.
  • FBK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.82.
Industry RankSector Rank
PE 17.96
Fwd PE 17.28
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)4.59
PEG (5Y)1.21
EPS Next 2Y6.78%
EPS Next 3Y7.83%

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

6

5. FBK.MI Dividend Analysis

5.1 Amount

  • FBK has a Yearly Dividend Yield of 4.13%, which is a nice return.
  • FBK's Dividend Yield is comparable with the industry average which is at 4.56.
  • Compared to an average S&P500 Dividend Yield of 1.82, FBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.13%

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

  • The dividend of FBK is growing, but the earnings are growing slower. 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 (3/13/2026, 11:02:05 AM)

19.035

-0.05 (-0.26%)

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 Cap11.64B
Revenue(TTM)2.24B
Net Income(TTM)973.92M
Analysts81
Price Target25.06 (31.65%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.13%
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)-2.3%
EPS NQ rev (3m)-0.49%
EPS NY rev (1m)0.64%
EPS NY rev (3m)1.89%
Revenue NQ rev (1m)1.47%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.86%
Revenue NY rev (3m)2.22%
Valuation
Industry RankSector Rank
PE 17.96
Fwd PE 17.28
P/S 5.19
P/FCF N/A
P/OCF N/A
P/B 4.56
P/tB 4.79
EV/EBITDA N/A
EPS(TTM)1.06
EY5.57%
EPS(NY)1.1
Fwd EY5.79%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.67
BVpS4.17
TBVpS3.97
PEG (NY)4.59
PEG (5Y)1.21
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
WACC7.44%
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 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 17.96 and the Price/Book (PB) ratio is 4.56.


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%.