FINECOBANK SPA(BIT:FBK) stock Fundamental Analysis

Fundamental Rating

FBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 95 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.

Quickly go to:

1. Profitability

1.1 Basic Checks

FBK had positive earnings in the past year.

In the past year FBK had a positive cash flow from operations.

In the past 5 years FBK has always been profitable.

Of the past 5 years FBK 4 years had a positive operating cash flow.

1.2 Ratios

With an excellent Return On Assets value of 2.79%, FBK belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.

FBK's Return On Equity of 40.55% is amongst the best of the industry. FBK outperforms 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 better Profit Margin (39.13%) than 91.75% 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

Compared to 5 years ago, FBK has more shares outstanding

Compared to 1 year ago, FBK has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of FBK is 14.78, which is on the high side as it means it would take FBK, 14.78 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 14.78, FBK belongs to the top of the industry, outperforming 80.41% of the companies in the same industry.

FBK has a Debt/Equity ratio of 0.84. This is a neutral value indicating FBK is somewhat dependend on debt financing.

FBK's Debt to Equity ratio of 0.84 is amongst the best of the industry. FBK outperforms 80.41% of its industry peers.

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

ROIC/WACCN/A

WACC7.75%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

FBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.01%.

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 7.50% in the last year.

FBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.61% yearly.

EPS 1Y (TTM)7.01%

EPS 3Y19.56%

EPS 5Y17.65%

EPS Q2Q%8%

Revenue 1Y (TTM)7.5%

Revenue growth 3Y14.23%

Revenue growth 5Y13.61%

Sales Q2Q%3.56%

3.2 Future

The Earnings Per Share is expected to grow by 0.11% on average over the next years.

FBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.44% yearly.

EPS Next Y-7.7%

EPS Next 2Y-2.08%

EPS Next 3Y0.67%

EPS Next 5Y0.11%

Revenue Next Year-3.17%

Revenue Next 2Y0.6%

Revenue Next 3Y2.55%

Revenue Next 5Y1.44%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 16.86, FBK is valued correctly.

FBK's Price/Earnings ratio is rather expensive when compared to the industry. FBK is more expensive than 90.72% of the companies in the same industry.

When comparing the Price/Earnings ratio of FBK to the average of the S&P500 Index (28.18), we can say FBK is valued slightly cheaper.

Based on the Price/Forward Earnings ratio of 18.32, 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 80.41% of the companies are valued cheaper.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.81, FBK is valued at the same level.

		Industry Rank	Sector Rank
PE	16.86
Fwd PE	18.32

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 70.10% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	80.97
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%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

FBK has a Yearly Dividend Yield of 4.21%, which is a nice return.

Compared to an average industry Dividend Yield of 5.30, FBK is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.45, FBK pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.21%

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%

More info and screens

Find the best dividend stocks

Show peers with best dividend

FINECOBANK SPA

BIT:FBK (5/2/2025, 7:00:00 PM)

18.045

+0.48 (+2.73%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-06 2025-02-06/bmo

Earnings (Next)05-06 2025-05-06

Inst Owners79.08%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap11.04B

Analysts80

Price Target19.52 (8.17%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.21%

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)1.61%

PT rev (3m)10.11%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.58%

EPS NY rev (3m)-0.46%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.08%

Revenue NY rev (3m)0.55%

Valuation

		Industry Rank	Sector Rank
PE	16.86
Fwd PE	18.32
P/S	4.46
P/FCF	80.97
P/OCF	71.23
P/B	4.62
P/tB	4.87
EV/EBITDA	N/A

EPS(TTM)1.07

EY5.93%

EPS(NY)0.98

Fwd EY5.46%

FCF(TTM)0.22

FCFY1.23%

OCF(TTM)0.25

OCFY1.4%

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

WACC7.75%

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)7.01%

EPS 3Y19.56%

EPS 5Y17.65%

EPS Q2Q%8%

EPS Next Y-7.7%

EPS Next 2Y-2.08%

EPS Next 3Y0.67%

EPS Next 5Y0.11%

Revenue 1Y (TTM)7.5%

Revenue growth 3Y14.23%

Revenue growth 5Y13.61%

Sales Q2Q%3.56%

Revenue Next Year-3.17%

Revenue Next 2Y0.6%

Revenue Next 3Y2.55%

Revenue Next 5Y1.44%

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

More info and screens