BFF BANK SPA(BIT:BFF) stock Fundamental Analysis

Fundamental Rating

BFF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 51 industry peers in the Financial Services industry. BFF has a bad profitability rating. Also its financial health evaluation is rather negative. BFF is not valued too expensively and it also shows a decent growth rate. BFF also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year BFF was profitable.

BFF had positive earnings in each of the past 5 years.

In multiple years BFF reported negative operating cash flow during the last 5 years.

1.2 Ratios

BFF's Return On Assets of 2.33% is in line compared to the rest of the industry. BFF outperforms 54.90% of its industry peers.

BFF has a better Return On Equity (32.29%) than 82.35% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.33%
ROE	32.29%
ROIC	N/A

ROA(3y)1.64%

ROA(5y)1.64%

ROE(3y)25.93%

ROE(5y)26.4%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 40.75%, BFF belongs to the top of the industry, outperforming 82.35% of the companies in the same industry.

BFF's Profit Margin has been stable in the last couple of years.

BFF 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)	40.75%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-11.8%

PM growth 5Y-0.91%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BFF does not have a ROIC to compare to the WACC, probably because it is not profitable.

BFF has more shares outstanding than it did 1 year ago.

The number of shares outstanding for BFF has been increased compared to 5 years ago.

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

2.2 Solvency

BFF has a Debt/Equity ratio of 0.70. This is a neutral value indicating BFF is somewhat dependend on debt financing.

With a Debt to Equity ratio value of 0.70, BFF perfoms like the industry average, outperforming 41.18% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.7
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC6.63%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BFF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.79%, which is quite good.

The Earnings Per Share has been growing by 17.16% on average over the past years. This is quite good.

BFF shows a small growth in Revenue. In the last year, the Revenue has grown by 6.70%.

Measured over the past years, BFF shows a quite strong growth in Revenue. The Revenue has been growing by 19.36% on average per year.

EPS 1Y (TTM)8.79%

EPS 3Y2.37%

EPS 5Y17.16%

EPS Q2Q%-54.33%

Revenue 1Y (TTM)6.7%

Revenue growth 3Y16.78%

Revenue growth 5Y19.36%

Sales Q2Q%-20.5%

3.2 Future

Based on estimates for the next years, BFF will show a small growth in Earnings Per Share. The EPS will grow by 6.01% on average per year.

The Revenue is expected to grow by 4.75% on average over the next years.

EPS Next Y-4.96%

EPS Next 2Y2.59%

EPS Next 3Y5.55%

EPS Next 5Y6.01%

Revenue Next Year0.31%

Revenue Next 2Y4.82%

Revenue Next 3Y5.43%

Revenue Next 5Y4.75%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.00, which indicates a rather cheap valuation of BFF.

Compared to the rest of the industry, the Price/Earnings ratio of BFF indicates a somewhat cheap valuation: BFF is cheaper than 72.55% of the companies listed in the same industry.

BFF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.79.

Based on the Price/Forward Earnings ratio of 7.39, the valuation of BFF can be described as very cheap.

84.31% of the companies in the same industry are more expensive than BFF, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of BFF to the average of the S&P500 Index (21.38), we can say BFF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7
Fwd PE	7.39

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)0.41

EPS Next 2Y2.59%

EPS Next 3Y5.55%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 12.32%, BFF is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.88, BFF pays a better dividend. On top of this BFF pays more dividend than 98.04% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.51, BFF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	12.32%

5.2 History

The dividend of BFF is nicely growing with an annual growth rate of 8.85%!

Dividend Growth(5Y)8.85%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

The dividend of BFF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP0%

EPS Next 2Y2.59%

EPS Next 3Y5.55%

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BFF BANK SPA

BIT:BFF (4/25/2025, 7:00:00 PM)

8.055

+0.11 (+1.38%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)02-19 2025-02-19/bmo

Earnings (Next)05-08 2025-05-08

Inst Owners49.84%

Inst Owner ChangeN/A

Ins Owners5.75%

Ins Owner ChangeN/A

Market Cap1.52B

Analysts81.54

Price Target10.63 (31.97%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	12.32%

Yearly Dividend0.86

Dividend Growth(5Y)8.85%

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-26.46%

Min EPS beat(2)-45.74%

Max EPS beat(2)-7.18%

EPS beat(4)1

Avg EPS beat(4)23.06%

Min EPS beat(4)-45.74%

Max EPS beat(4)168.15%

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)0

Avg Revenue beat(2)-8.73%

Min Revenue beat(2)-11.15%

Max Revenue beat(2)-6.3%

Revenue beat(4)1

Avg Revenue beat(4)6.57%

Min Revenue beat(4)-11.15%

Max Revenue beat(4)49.49%

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)0%

PT rev (3m)-5.14%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-3.8%

EPS NY rev (3m)-12.35%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-5.36%

Valuation

		Industry Rank	Sector Rank
PE	7
Fwd PE	7.39
P/S	2.18
P/FCF	N/A
P/OCF	N/A
P/B	1.73
P/tB	1.9
EV/EBITDA	N/A

EPS(TTM)1.15

EY14.28%

EPS(NY)1.09

Fwd EY13.53%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS3.69

BVpS4.65

TBVpS4.24

PEG (NY)N/A

PEG (5Y)0.41

Profitability

		Industry Rank	Sector Rank
ROA	2.33%
ROE	32.29%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	40.75%
GM	N/A
FCFM	N/A

ROA(3y)1.64%

ROA(5y)1.64%

ROE(3y)25.93%

ROE(5y)26.4%

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 3Y-11.8%

PM growth 5Y-0.91%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.7
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

WACC6.63%

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)8.79%

EPS 3Y2.37%

EPS 5Y17.16%

EPS Q2Q%-54.33%

EPS Next Y-4.96%

EPS Next 2Y2.59%

EPS Next 3Y5.55%

EPS Next 5Y6.01%

Revenue 1Y (TTM)6.7%

Revenue growth 3Y16.78%

Revenue growth 5Y19.36%

Sales Q2Q%-20.5%

Revenue Next Year0.31%

Revenue Next 2Y4.82%

Revenue Next 3Y5.43%

Revenue Next 5Y4.75%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

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

BFF BANK SPA (BFF.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