Dashboard
Portfolios
Watchlist
Community
Discover
Screener
Narratives
Your Valuation
Community
/
Italy
/
Banks
Create a narrative
Banks Italian Community
Our community narratives are driven by numbers and valuation.
Create a narrative
All companies
Popular
Undervalued
Overvalued
Banks Italian Investing Ideas
UniCredit
ME
Menalbi
Community Contributor
UniCredit's Path to €78.13 Driven by Long-Term Growth Potential
We firmly believe that UniCredit (UCG) has significant long-term appreciation potential, with a clear path to reaching €78.13 per share within a 10-year horizon. This thesis is supported by a combination of factors, including the current undervaluation of the stock, the ongoing strategic transformation, the focus on efficiency and digitization, the potential for growth in new markets, and the increasing capacity for cash generation.
View narrative
€78.13
FV
21.6% undervalued
intrinsic discount
17.97%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
1
users have followed this narrative
7 months ago
author updated this narrative
Banca Sistema
AN
AnalystConsensusTarget
Consensus Narrative from 2 Analysts
Bank Will Benefit From European Court Ruling With EUR 104 Million Cash Inflow
Key Takeaways Strategic focus on higher-margin businesses and recovery in net interest income and fee revenues support sustained revenue growth and improved net margins. Proactive collection actions and strengthened capital ratios enhance financial stability, potentially boosting future earnings and profitability.
View narrative
€2.23
FV
19.5% undervalued
intrinsic discount
1.57%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
1
users have followed this narrative
3 days ago
author updated this narrative
Credito Emiliano
AN
AnalystConsensusTarget
Consensus Narrative from 6 Analysts
Expected Interest Rate Cuts Will Pressure Bank Revenues In 2025
Key Takeaways Anticipated interest rate cuts and increasing operating expenses press net margins, prompting a shift towards fee-based income to support growth. Rising personnel and ICT costs strain short-term earnings, while transitioning custody assets may not boost fees amid volatile markets.
View narrative
€13.07
FV
1.9% undervalued
intrinsic discount
-0.031%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
1
users have followed this narrative
3 days ago
author updated this narrative
Banca Sistema
AN
AnalystLowTarget
Consensus Narrative from 2 Analysts
Digitalization And Fintech Will Undermine Legacy Revenue Streams
Key Takeaways Increasing digitalization and regulatory costs threaten Banca Sistema's traditional business model, squeezing margins and elevating operational risks. Heavy reliance on public receivables and spread-based lending exposes the bank to profit volatility, concentration risk, and diminished long-term competitiveness.
View narrative
€1.90
FV
5.4% undervalued
intrinsic discount
0.15%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
0
users have followed this narrative
New
narrative
BPER Banca
AN
AnalystConsensusTarget
Consensus Narrative from 9 Analysts
Business Combination With Banca Popolare Di Sondrio Will Expand Market Reach And Strengthen Group
Key Takeaways The merger with Banca Popolare di Sondrio aims to enhance market presence and shareholder value, leveraging synergies for improved earnings and commission income. Technological upgrades and cost reductions are set to improve efficiency and financial performance, underscoring a focus on sustainable growth and profitability.
View narrative
€8.87
FV
11.5% undervalued
intrinsic discount
2.16%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
11
users have followed this narrative
3 days ago
author updated this narrative
Banco BPM
AN
AnalystConsensusTarget
Consensus Narrative from 13 Analysts
Delays In Danish Compromise Approval Will Hinder Capital Returns And Pressure EPS
Key Takeaways Reliance on acquisitions and regulatory approval challenges could pressure Banco BPM's revenue growth and earnings stability. Strategic shift towards non-interest income and shareholder remuneration depends on market conditions and regulatory approvals, impacting net margins and earnings predictability.
View narrative
€10.88
FV
5.2% undervalued
intrinsic discount
4.36%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
6
users have followed this narrative
3 days ago
author updated this narrative
Banca Sistema
AN
AnalystHighTarget
Consensus Narrative from 2 Analysts
Digitalization And ESG Will Unlock Untapped Lending Opportunities
Key Takeaways Accelerated cash collections and structural cost reductions could deliver significantly higher earnings and capital than market forecasts, transforming long-term profit potential. Aggressive expansion in digital pawn lending and strong ESG positioning support recurring revenue growth, operational efficiency, and access to attractive funding sources.
View narrative
€2.60
FV
30.8% undervalued
intrinsic discount
3.78%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
0
users have followed this narrative
3 days ago
author updated this narrative
Banca Monte dei Paschi di Siena
AN
AnalystLowTarget
Consensus Narrative from 8 Analysts
Digital Disruption And Merger Risks Will Shatter Legacy Bank Margins
Key Takeaways Failure to accelerate digital transformation and adapt to fintech competition may drive higher customer attrition, margin pressure, and revenue erosion over time. Execution risks in complex mergers and rising regulatory burdens threaten cost control, efficiency gains, and long-term profitability compared to more agile peers.
View narrative
€6.35
FV
13.2% overvalued
intrinsic discount
2.86%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
0
users have followed this narrative
3 days ago
author updated this narrative
UniCredit
AN
AnalystConsensusTarget
Consensus Narrative from 15 Analysts
Digital Banking And Sustainable Finance Will Reshape European Markets
Key Takeaways Digitalization, wealth management expansion, and strategic partnerships drive sustainable growth, improved margins, and recurring high-quality income streams. Focus on sustainable finance and disciplined cost management enhances UniCredit's market position, capital strength, and capacity for future earnings distributions.
View narrative
€62.52
FV
2.1% undervalued
intrinsic discount
1.34%
Revenue growth p.a.
Set Fair Value
2
users have liked this narrative
0
users have commented on this narrative
40
users have followed this narrative
3 days ago
author updated this narrative
Value any company in seconds
Popular companies