FINECOBANK SPA(BIT:FBK) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to FBK. FBK was compared to 99 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. FBK is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year FBK was profitable.

Each year in the past 5 years FBK has been profitable.

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

1.2 Ratios

FBK has a Return On Assets of 2.79%. This is amongst the best in the industry. FBK outperforms 100.00% of its industry peers.

The Return On Equity of FBK (40.55%) is better than 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

With an excellent Profit Margin value of 43.61%, FBK belongs to the best of the industry, outperforming 94.62% of the companies in the same industry.

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)	43.61%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y16.64%

PM growth 5Y10.53%

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

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.

Compared to 5 years ago, FBK has more shares outstanding

The debt/assets ratio for FBK has been reduced compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 0.34 indicates that FBK is not too dependend on debt financing.

FBK has a Debt to Equity ratio of 0.34. This is amongst the best in the industry. FBK outperforms 87.10% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC7.42%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

FBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.52%.

The Earnings Per Share has been growing by 17.85% on average over the past years. This is quite good.

The Revenue has decreased by -3.54% in the past year.

The Revenue has been growing slightly by 6.51% on average over the past years.

EPS 1Y (TTM)7.52%

EPS 3Y19.89%

EPS 5Y17.85%

EPS Q2Q%10.82%

Revenue 1Y (TTM)-3.54%

Revenue growth 3Y2.59%

Revenue growth 5Y6.51%

Sales Q2Q%105.61%

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 1.76% on average per year.

Based on estimates for the next years, FBK will show a small growth in Revenue. The Revenue will grow by 2.67% on average per year.

EPS Next Y-5.99%

EPS Next 2Y-0.77%

EPS Next 3Y1.76%

EPS Next 5YN/A

Revenue Next Year-3.1%

Revenue Next 2Y0.68%

Revenue Next 3Y2.67%

Revenue Next 5YN/A

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

A Price/Earnings ratio of 12.01 indicates a correct valuation of FBK.

FBK's Price/Earnings ratio is a bit more expensive when compared to the industry. FBK is more expensive than 76.34% of the companies in the same industry.

When comparing the Price/Earnings ratio of FBK to the average of the S&P500 Index (29.35), we can say FBK is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 19.39, the valuation of FBK can be described as rather expensive.

77.42% 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 22.10.

		Industry Rank	Sector Rank
PE	12.01
Fwd PE	19.39

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)0.67

EPS Next 2Y-0.77%

EPS Next 3Y1.76%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.85%, FBK has a reasonable but not impressive dividend return.

FBK's Dividend Yield is slightly below the industry average, which is at 5.06.

Compared to an average S&P500 Dividend Yield of 2.33, FBK pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.85%

5.2 History

The dividend of FBK is nicely growing with an annual growth rate of 11.48%!

Dividend Growth(5Y)11.48%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

FBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP0%

EPS Next 2Y-0.77%

EPS Next 3Y1.76%

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FINECOBANK SPA

BIT:FBK (3/7/2025, 7:00:00 PM)

19.095

-0.13 (-0.68%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-05 2025-02-05/amc

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

Inst Owners79.08%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap11.67B

Analysts77.78

Price Target19.08 (-0.08%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.85%

Yearly Dividend0.53

Dividend Growth(5Y)11.48%

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

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)50.89%

Min Revenue beat(2)1.33%

Max Revenue beat(2)100.45%

Revenue beat(4)4

Avg Revenue beat(4)26.47%

Min Revenue beat(4)1.33%

Max Revenue beat(4)100.45%

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)7.61%

PT rev (3m)12.14%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)-0.44%

EPS NY rev (3m)-0.37%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.63%

Revenue NY rev (3m)0.71%

Valuation

		Industry Rank	Sector Rank
PE	12.01
Fwd PE	19.39
P/S	5.25
P/FCF	N/A
P/OCF	N/A
P/B	4.88
P/tB	5.15
EV/EBITDA	N/A

EPS(TTM)1.59

EY8.33%

EPS(NY)0.99

Fwd EY5.16%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS3.64

BVpS3.91

TBVpS3.71

PEG (NY)N/A

PEG (5Y)0.67

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)	43.61%
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

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 3Y16.64%

PM growth 5Y10.53%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.34
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

WACC7.42%

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)7.52%

EPS 3Y19.89%

EPS 5Y17.85%

EPS Q2Q%10.82%

EPS Next Y-5.99%

EPS Next 2Y-0.77%

EPS Next 3Y1.76%

EPS Next 5YN/A

Revenue 1Y (TTM)-3.54%

Revenue growth 3Y2.59%

Revenue growth 5Y6.51%

Sales Q2Q%105.61%

Revenue Next Year-3.1%

Revenue Next 2Y0.68%

Revenue Next 3Y2.67%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-8.12%

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

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