FINECOBANK SPA (FBK.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:FBK - IT0000072170 - Common Stock
22.15 EUR
+0.31 (+1.42%)
Overall FBK gets a fundamental rating of 3 out of 10. We evaluated FBK against 106 industry peers in the Banks industry. There are concerns on the financial health of FBK while its profitability can be described as average. While showing a medium growth rate, FBK is valued expensive at the moment.
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
Looking at the Return On Assets, with a value of 2.78%, FBK belongs to the top of the industry, outperforming 98.11% of the companies in the same industry.
Looking at the Return On Equity, with a value of 43.83%, FBK belongs to the top of the industry, outperforming 99.06% 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 88.68% of its industry peers.
FBK's Profit Margin has improved in the last couple of years.
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.
FBK has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for FBK has been increased compared to 5 years ago.
The debt/assets ratio for FBK has been reduced compared to a year ago.
2.2 Solvency
FBK has a Debt/Equity ratio of 1.03. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.03, FBK is in the better half of the industry, outperforming 72.64% 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
WACC7.48%
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.
FBK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.65% yearly.
Looking at the last year, FBK shows a small growth in Revenue. The Revenue has grown by 2.48% in the last year.
The Revenue has been growing by 13.61% on average over the past years. This is quite good.
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
Based on estimates for the next years, FBK will show a small growth in Earnings Per Share. The EPS will grow by 5.38% on average per year.
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-4.45%
EPS Next 2Y0.66%
EPS Next 3Y3.21%
EPS Next 5Y5.38%
Revenue Next Year-0.76%
Revenue Next 2Y2.65%
Revenue Next 3Y4.23%
Revenue Next 5Y6.2%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 20.70, which indicates a rather expensive current valuation of FBK.
FBK's Price/Earnings ratio is rather expensive when compared to the industry. FBK is more expensive than 89.62% of the companies in the same industry.
When comparing the Price/Earnings ratio of FBK to the average of the S&P500 Index (26.38), we can say FBK is valued slightly cheaper.
A Price/Forward Earnings ratio of 20.49 indicates a rather expensive valuation of FBK.
82.08% of the companies in the same industry are cheaper than FBK, based on the Price/Forward Earnings ratio.
FBK's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.7 | ||
| Fwd PE | 20.49 |
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)1.17
EPS Next 2Y0.66%
EPS Next 3Y3.21%
5. Dividend
5.1 Amount
FBK has a Yearly Dividend Yield of 3.39%.
Compared to an average industry Dividend Yield of 4.33, FBK has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, FBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.39% |
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
FBK pays out 49.15% of its income as dividend. 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 2Y0.66%
EPS Next 3Y3.21%
BIT:FBK (12/19/2025, 7:00:00 PM)
22.15
+0.31 (+1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.04%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap13.55B
Revenue(TTM)2.49B
Net Income(TTM)983.67M
Analysts80
Price Target23.06 (4.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.39% |
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)8.38%
PT rev (3m)9.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.33%
EPS NY rev (1m)1.72%
EPS NY rev (3m)2.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.08%
Revenue NY rev (3m)1.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.7 | ||
| Fwd PE | 20.49 | ||
| P/S | 5.45 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.04 | ||
| P/tB | 6.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.07
EY4.83%
EPS(NY)1.08
Fwd EY4.88%
FCF(TTM)-0.99
FCFYN/A
OCF(TTM)-0.95
OCFYN/A
SpS4.07
BVpS3.67
TBVpS3.47
PEG (NY)N/A
PEG (5Y)1.17
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
WACC7.48%
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-4.45%
EPS Next 2Y0.66%
EPS Next 3Y3.21%
EPS Next 5Y5.38%
Revenue 1Y (TTM)2.48%
Revenue growth 3Y14.23%
Revenue growth 5Y13.61%
Sales Q2Q%-0.15%
Revenue Next Year-0.76%
Revenue Next 2Y2.65%
Revenue Next 3Y4.23%
Revenue Next 5Y6.2%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-2.66%
EBIT Next 3Y4.75%
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 20.7 and the Price/Book (PB) ratio is 6.04.
How financially healthy is FINECOBANK SPA?
The financial health rating of FINECOBANK SPA (FBK.MI) is 1 / 10.