FINECOBANK SPA (FBK.MI) Stock Fundamental Analysis
Europe - BIT:FBK - IT0000072170 - Common Stock
20 EUR
+0.19 (+0.96%)
Taking everything into account, FBK scores 3 out of 10 in our fundamental rating. FBK was compared to 95 industry peers in the Banks industry. There are concerns on the financial health of FBK while its profitability can be described as average. FBK is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year FBK was profitable.
In the past year FBK has reported a negative cash flow from operations.
FBK had positive earnings in each of the past 5 years.
FBK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
FBK has a better Return On Assets (2.78%) than 98.95% of its industry peers.
Looking at the Return On Equity, with a value of 43.83%, FBK belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of FBK (39.56%) is better than 90.53% 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 Rank | Sector 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
2. Health
2.1 Basic Checks
FBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FBK has about the same amount of shares outstanding.
FBK has more shares outstanding than it did 5 years ago.
FBK has a better debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 1.03 is on the high side and indicates that FBK has dependencies on debt financing.
With a decent Debt to Equity ratio value of 1.03, FBK is doing good in the industry, outperforming 74.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.03 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 7.28% 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 2.93%.
Measured over the past years, FBK shows a quite strong growth in Revenue. The Revenue has been growing by 13.61% on average per year.
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 2.91% on average over the next years.
Based on estimates for the next years, FBK will show a small growth in Revenue. The Revenue will grow by 5.81% on average per year.
EPS Next Y-6.42%
EPS Next 2Y-0.31%
EPS Next 3Y2.34%
EPS Next 5Y2.91%
Revenue Next Year-2.34%
Revenue Next 2Y1.43%
Revenue Next 3Y3.43%
Revenue Next 5Y5.81%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
FBK is valuated rather expensively with a Price/Earnings ratio of 18.69.
Based on the Price/Earnings ratio, FBK is valued expensively inside the industry as 91.58% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of FBK to the average of the S&P500 Index (26.51), we can say FBK is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 18.86, the valuation of FBK can be described as rather expensive.
Based on the Price/Forward Earnings ratio, FBK is valued expensively inside the industry as 82.11% of the companies are valued cheaper.
When comparing the Price/Forward Earnings ratio of FBK to the average of the S&P500 Index (22.53), we can say FBK is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.69 | ||
| Fwd PE | 18.86 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.06
EPS Next 2Y-0.31%
EPS Next 3Y2.34%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.71%, FBK has a reasonable but not impressive dividend return.
FBK's Dividend Yield is slightly below the industry average, which is at 4.84.
Compared to an average S&P500 Dividend Yield of 2.38, FBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.71% |
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
49.15% of the earnings are spent on dividend by FBK. 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.
DP49.15%
EPS Next 2Y-0.31%
EPS Next 3Y2.34%
BIT:FBK (11/3/2025, 7:00:00 PM)
20
+0.19 (+0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.85%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap12.23B
Revenue(TTM)2.49B
Net Income(TTM)983.67M
Analysts81.05
Price Target21.27 (6.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.71% |
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)1.01%
PT rev (3m)3.03%
EPS NQ rev (1m)8.33%
EPS NQ rev (3m)8.33%
EPS NY rev (1m)0%
EPS NY rev (3m)1.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.69 | ||
| Fwd PE | 18.86 | ||
| P/S | 4.92 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 5.45 | ||
| P/tB | 5.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.07
EY5.35%
EPS(NY)1.06
Fwd EY5.3%
FCF(TTM)-0.99
FCFYN/A
OCF(TTM)-0.95
OCFYN/A
SpS4.07
BVpS3.67
TBVpS3.47
PEG (NY)N/A
PEG (5Y)1.06
Graham Number9.4
Profitability
| Industry Rank | Sector 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
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 3Y4.75%
PM growth 5Y3.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.07
Health
| Industry Rank | Sector 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
WACC7.53%
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-6.42%
EPS Next 2Y-0.31%
EPS Next 3Y2.34%
EPS Next 5Y2.91%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y14.23%
Revenue growth 5Y13.61%
Sales Q2Q%-4.89%
Revenue Next Year-2.34%
Revenue Next 2Y1.43%
Revenue Next 3Y3.43%
Revenue Next 5Y5.81%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-5.5%
EBIT Next 3Y4.09%
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
FINECOBANK SPA / FBK.MI FAQ
What is the fundamental rating for FBK stock?
ChartMill assigns a fundamental rating of 3 / 10 to FBK.MI.
What is the valuation status for FBK stock?
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.
What are the PE and PB ratios of FINECOBANK SPA (FBK.MI) stock?
The Price/Earnings (PE) ratio for FINECOBANK SPA (FBK.MI) is 18.69 and the Price/Book (PB) ratio is 5.45.
How financially healthy is FINECOBANK SPA?
The financial health rating of FINECOBANK SPA (FBK.MI) is 1 / 10.