FINECOBANK SPA (FBK.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:FBK - IT0000072170 - Common Stock
21.15 EUR
+0.06 (+0.28%)
FBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. FBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. FBK is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
FBK had positive earnings in the past year.
In the past year FBK has reported a negative cash flow from operations.
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
Looking at the Return On Assets, with a value of 2.78%, FBK belongs to the top of the industry, outperforming 99.07% of the companies in the same industry.
FBK has a better Return On Equity (43.83%) than 100.00% of its industry peers.
| 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
With an excellent Profit Margin value of 39.56%, FBK belongs to the best of the industry, outperforming 89.81% of the companies in the same industry.
In the last couple of years the Profit Margin of FBK has grown nicely.
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) | 39.56% | ||
| 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.
The Debt to Equity ratio of FBK (1.03) is better than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.03 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.46%
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 3.71% over the past year.
The Earnings Per Share has been growing by 17.65% on average over the past years. This is quite good.
Looking at the last year, FBK shows a small growth in Revenue. The Revenue has grown by 2.48% in the last year.
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)3.71%
EPS 3Y19.56%
EPS 5Y17.65%
EPS Q2Q%-4.25%
Revenue 1Y (TTM)2.48%
Revenue growth 3Y14.23%
Revenue growth 5Y13.61%
Sales Q2Q%-0.15%
3.2 Future
FBK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.38% yearly.
Based on estimates for the next years, FBK will show a small growth in Revenue. The Revenue will grow by 6.20% on average per year.
EPS Next Y-6.07%
EPS Next 2Y-0.05%
EPS Next 3Y2.52%
EPS Next 5Y5.38%
Revenue Next Year-1.81%
Revenue Next 2Y1.87%
Revenue Next 3Y3.72%
Revenue Next 5Y6.2%
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
Based on the Price/Earnings ratio of 19.77, the valuation of FBK can be described as rather expensive.
FBK's Price/Earnings ratio is rather expensive when compared to the industry. FBK is more expensive than 91.67% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.31, FBK is valued a bit cheaper.
FBK is valuated rather expensively with a Price/Forward Earnings ratio of 19.84.
84.26% of the companies in the same industry are cheaper than FBK, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 36.56. FBK is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.77 | ||
| Fwd PE | 19.84 |
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)1.12
EPS Next 2Y-0.05%
EPS Next 3Y2.52%
5. Dividend
5.1 Amount
FBK has a Yearly Dividend Yield of 3.51%.
FBK's Dividend Yield is comparable with the industry average which is at 4.70.
Compared to an average S&P500 Dividend Yield of 2.32, FBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
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
FBK pays out 49.15% of its income as dividend. 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.
DP49.15%
EPS Next 2Y-0.05%
EPS Next 3Y2.52%
BIT:FBK (11/28/2025, 7:00:00 PM)
21.15
+0.06 (+0.28%)
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 Cap12.93B
Revenue(TTM)2.49B
Net Income(TTM)983.67M
Analysts82.11
Price Target22.82 (7.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
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)8.35%
PT rev (3m)8.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.33%
EPS NY rev (1m)0.38%
EPS NY rev (3m)0.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.54%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.77 | ||
| Fwd PE | 19.84 | ||
| P/S | 5.2 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 5.76 | ||
| P/tB | 6.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.07
EY5.06%
EPS(NY)1.07
Fwd EY5.04%
FCF(TTM)-0.99
FCFYN/A
OCF(TTM)-0.95
OCFYN/A
SpS4.07
BVpS3.67
TBVpS3.47
PEG (NY)N/A
PEG (5Y)1.12
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
WACC7.46%
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)3.71%
EPS 3Y19.56%
EPS 5Y17.65%
EPS Q2Q%-4.25%
EPS Next Y-6.07%
EPS Next 2Y-0.05%
EPS Next 3Y2.52%
EPS Next 5Y5.38%
Revenue 1Y (TTM)2.48%
Revenue growth 3Y14.23%
Revenue growth 5Y13.61%
Sales Q2Q%-0.15%
Revenue Next Year-1.81%
Revenue Next 2Y1.87%
Revenue Next 3Y3.72%
Revenue Next 5Y6.2%
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 19.77 and the Price/Book (PB) ratio is 5.76.
How financially healthy is FINECOBANK SPA?
The financial health rating of FINECOBANK SPA (FBK.MI) is 1 / 10.