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BDB

Banco di Desio e della Brianza BIT:BDB Stock Report

Last Price

€3.08

Market Cap

€454.5m

7D

-0.6%

1Y

-1.0%

Updated

23 May, 2022

Data

Company Financials
BDB fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance5/6
Financial Health3/6
Dividends3/6

BDB Stock Overview

Banco di Desio e della Brianza S.p.A. provides banking products and services to individuals and enterprises in Italy.

Banco di Desio e della Brianza Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for Banco di Desio e della Brianza
Historical stock prices
Current Share Price€3.08
52 Week High€3.63
52 Week Low€2.49
Beta0.83
1 Month Change0%
3 Month Change-1.60%
1 Year Change-0.97%
3 Year Change63.83%
5 Year Change20.78%
Change since IPO135.38%

Recent News & Updates

Feb 17
Banco di Desio e della Brianza (BIT:BDB) Has Announced That It Will Be Increasing Its Dividend To €0.14

Banco di Desio e della Brianza (BIT:BDB) Has Announced That It Will Be Increasing Its Dividend To €0.14

Banco di Desio e della Brianza S.p.A. ( BIT:BDB ) will increase its dividend on the 27th of April to €0.14. This will...

Shareholder Returns

BDBIT BanksIT Market
7D-0.6%1.1%-0.5%
1Y-1.0%-8.9%-5.0%

Return vs Industry: BDB exceeded the Italian Banks industry which returned -9.8% over the past year.

Return vs Market: BDB exceeded the Italian Market which returned -5.5% over the past year.

Price Volatility

Is BDB's price volatile compared to industry and market?
BDB volatility
BDB Average Weekly Movement3.7%
Banks Industry Average Movement6.4%
Market Average Movement6.1%
10% most volatile stocks in IT Market8.5%
10% least volatile stocks in IT Market3.8%

Stable Share Price: BDB is less volatile than 75% of Italian stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: BDB's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19092,141Alessandro Deciohttps://www.bancodesio.it

Banco di Desio e della Brianza S.p.A. provides banking products and services to individuals and enterprises in Italy. The company offers deposits and loans. It also provides financial, banking, payment, documentary credit, leasing, factoring, insurance, and asset management products and services, as well as debit and credit cards.

Banco di Desio e della Brianza Fundamentals Summary

How do Banco di Desio e della Brianza's earnings and revenue compare to its market cap?
BDB fundamental statistics
Market Cap€454.50m
Earnings (TTM)€54.90m
Revenue (TTM)€362.99m

8.3x

P/E Ratio

0.4x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
BDB income statement (TTM)
Revenue€362.99m
Cost of Revenue€9.14m
Gross Profit€353.85m
Other Expenses€298.95m
Earnings€54.90m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.37
Gross Margin97.48%
Net Profit Margin15.12%
Debt/Equity Ratio519.8%

How did BDB perform over the long term?

See historical performance and comparison

Dividends

4.4%

Current Dividend Yield

33%

Payout Ratio

Valuation

Is Banco di Desio e della Brianza undervalued compared to its fair value and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


8.28x

Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: BDB (€3.08) is trading above our estimate of fair value (€2.38)

Significantly Below Fair Value: BDB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: BDB's PE Ratio (8.3x) is in line with the Italian Banks industry average.

PE vs Market: BDB is good value based on its PE Ratio (8.3x) compared to the Italian market (17.7x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate BDB's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: BDB's PB Ratio (0.4x) is in line with the IT Banks industry average.


Future Growth

How is Banco di Desio e della Brianza forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


15.0%

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.


Past Performance

How has Banco di Desio e della Brianza performed over the past 5 years?

Past Performance Score

5/6

Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


10.4%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: BDB has high quality earnings.

Growing Profit Margin: BDB's current net profit margins (15.1%) are higher than last year (7.3%).


Past Earnings Growth Analysis

Earnings Trend: BDB's earnings have grown by 10.4% per year over the past 5 years.

Accelerating Growth: BDB's earnings growth over the past year (131.7%) exceeds its 5-year average (10.4% per year).

Earnings vs Industry: BDB earnings growth over the past year (131.7%) exceeded the Banks industry 35.8%.


Return on Equity

High ROE: BDB's Return on Equity (5%) is considered low.


Financial Health

How is Banco di Desio e della Brianza's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

3/6

Financial Health Score 3/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: BDB's Assets to Equity ratio (16.4x) is moderate.

Allowance for Bad Loans: Insufficient data to determine if BDB has a sufficient allowance for bad loans.

Low Risk Liabilities: 63% of BDB's liabilities are made up of primarily low risk sources of funding.

Loan Level: BDB has an appropriate level of Loans to Assets ratio (79%).

Low Risk Deposits: BDB's Loans to Deposits ratio (132%) is high.

Level of Bad Loans: Insufficient data to determine if BDB has an appropriate level of bad loans.


Dividend

What is Banco di Desio e della Brianza current dividend yield, its reliability and sustainability?

Dividend Score

3/6

Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


4.43%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: BDB's dividend (4.43%) is higher than the bottom 25% of dividend payers in the Italian market (1.62%).

High Dividend: BDB's dividend (4.43%) is low compared to the top 25% of dividend payers in the Italian market (4.79%).


Stability and Growth of Payments

Stable Dividend: BDB's dividend payments have been volatile in the past 10 years.

Growing Dividend: BDB's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Earnings Coverage: With its reasonably low payout ratio (33.4%), BDB'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 or that it will be covered by earnings.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

3.2yrs

Average board tenure


CEO

Alessandro Decio

2.33yrs

Tenure

Alessandro Maria Decio serves as Chief Executive Officer and General Manager at Banco di Desio e della Brianza SpA since 2020 and serves as its Director since 2020.


Board Members

Experienced Board: BDB's board of directors are considered experienced (3.2 years average tenure).


Ownership

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.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 8.5%.


Top Shareholders

Company Information

Banco di Desio e della Brianza S.p.A.'s employee growth, exchange listings and data sources


Key Information

  • Name: Banco di Desio e della Brianza S.p.A.
  • Ticker: BDB
  • Exchange: BIT
  • Founded: 1909
  • Industry: Diversified Banks
  • Sector: Banks
  • Implied Market Cap: €454.500m
  • Shares outstanding: 147.57m
  • Website: https://www.bancodesio.it

Number of Employees


Location

  • Banco di Desio e della Brianza S.p.A.
  • Via E. Rovagnati, 1
  • Desio
  • Milan
  • 20832
  • Italy

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/23 00:00
End of Day Share Price2022/05/23 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.