Banco di Desio e della Brianza S.p.A. provides a range of banking, financial, and insurance solutions for individuals and companies in Italy.
Fair value with acceptable track record.
Share Price & News
How has Banco di Desio e della Brianza's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 0O5V's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: Insufficient data to determine how 0O5V performed against the UK Banks industry.
Return vs Market: Insufficient data to determine how 0O5V performed against the UK Market.
Price Volatility Vs. Market
How volatile is Banco di Desio e della Brianza's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Banco di Desio e della Brianza undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 0O5V (€2.23) is trading above our estimate of fair value (€1.73)
Significantly Below Fair Value: 0O5V is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 0O5V is good value based on its PE Ratio (9.1x) compared to the Banks industry average (10.5x).
PE vs Market: 0O5V is good value based on its PE Ratio (9.1x) compared to the UK market (18.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 0O5V's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: 0O5V is good value based on its PB Ratio (0.5x) compared to the GB Banks industry average (0.6x).
How is Banco di Desio e della Brianza forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Banco di Desio e della Brianza has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether Banco di Desio e della Brianza is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Banco di Desio e della Brianza competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Banks industry.
How has Banco di Desio e della Brianza performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0O5V has a large one-off loss of €19.1M impacting its December 31 2019 financial results.
Growing Profit Margin: 0O5V's current net profit margins (11.5%) are higher than last year (11.4%).
Past Earnings Growth Analysis
Earnings Trend: 0O5V's earnings have grown by 5.5% per year over the past 5 years.
Accelerating Growth: 0O5V's earnings growth over the past year (13.9%) exceeds its 5-year average (5.5% per year).
Earnings vs Industry: 0O5V earnings growth over the past year (13.9%) underperformed the Banks industry 28.3%.
Return on Equity
High ROE: 0O5V's Return on Equity (4.2%) is considered low.
Return on Assets
Return on Capital Employed
How is Banco di Desio e della Brianza's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0O5V has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0O5V's debt is not covered by short term assets (assets are 0.3x debt).
Financial Institutions Analysis
Asset Level: 0O5V's level of assets compared to its equity is moderate.
Allowance for Bad Loans: 0O5V has a low allowance for bad loans.
Low Risk Liabilities: 0O5V's liabilities are made up of primarily low risk sources of funding.
Loan Level: 0O5V has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0O5V has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: 0O5V has a high level of bad loans (5.43%)
What is Banco di Desio e della Brianza's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: 0O5V's dividend (3.29%) is higher than the bottom 25% of dividend payers in the UK market (1.83%).
High Dividend: 0O5V's dividend (3.29%) is low compared to the top 25% of dividend payers in the UK market (5.1%).
Stability and Growth of Payments
Stable Dividend: 0O5V's dividend payments have been volatile in the past 10 years.
Growing Dividend: 0O5V's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (29.9%), 0O5V's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Angelo Antoniazzi (57yo)
Mr. Angelo Antoniazzi serves as General Manager at Banco di Desio e della Brianza SpA. He served as General Manager of Banca Popolare di Spoleto S.p.A. and has been its Director since February 1, 2019.
|Chairman of the Board||2.8yrs||€255.10k||1.86% €7.9m|
|Independent Director||2.8yrs||€28.96k||no data|
|Vice Chairman of the Board||2.8yrs||€1.09m||no data|
|Chairman of Board of Statutory Auditors||2.8yrs||€71.85k||no data|
|Director||2.8yrs||no data||no data|
Experienced Board: 0O5V's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Banco di Desio e della Brianza S.p.A.'s company bio, employee growth, exchange listings and data sources
- Name: Banco di Desio e della Brianza S.p.A.
- Ticker: 0O5V
- Exchange: LSE
- Founded: 1909
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €422.821m
- Shares outstanding: 135.95m
- Website: https://www.bancodesio.it
Number of Employees
- Banco di Desio e della Brianza S.p.A.
- via E. Rovagnati 1
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BDB||BIT (Borsa Italiana)||Yes||Ordinary Shares||IT||EUR||May 1995|
|BJ7||BST (Boerse-Stuttgart)||Yes||Ordinary Shares||DE||EUR||May 1995|
|0O5V||LSE (London Stock Exchange)||Yes||Ordinary Shares||GB||EUR||May 1995|
|BDBM||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Ordinary Shares||GB||EUR||May 1995|
|BDBR||BIT (Borsa Italiana)||Saving Shares||IT||EUR||Feb 1999|
|0O5W||LSE (London Stock Exchange)||Saving Shares||GB||EUR||Feb 1999|
|BDBRM||BATS-CHIXE (BATS 'Chi-X Europe')||Saving Shares||GB||EUR||Feb 1999|
Banco di Desio e della Brianza S.p.A. provides a range of banking, financial, and insurance solutions for individuals and companies in Italy. The company offers current accounts, managed accounts, deposits, mortgages and loans, personal loans, factoring, leasing, telematics, securities, and cards and mobility services, as well as life insurance, auto insurance, and other non-life insurance products. It has approximately 265 branches. The company was founded in 1909 and is headquartered in Desio, Italy. Banco di Desio e della Brianza S.p.A. is a subsidiary of Brianza Unione di Luigi Gavazzi & C. S.A.p.A.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/17 21:20|
|End of Day Share Price||2020/02/14 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.