Banca Popolare di Sondrio S.C.p.A., together with its subsidiaries, provides various banking products and services in Italy. More Details
Adequate balance sheet with moderate growth potential.
Share Price & News
How has Banca Popolare di Sondrio S.C.p.A's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BPSO is more volatile than 75% of Italian stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: BPSO's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of Italian stocks.
7 Day Return
1 Year Return
Return vs Industry: BPSO exceeded the Italian Banks industry which returned -20.1% over the past year.
Return vs Market: BPSO exceeded the Italian Market which returned -7.4% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Banca Popolare di Sondrio S.C.p.A's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 months ago | Simply Wall StHere's How We Evaluate Banca Popolare di Sondrio S.C.p.A.'s (BIT:BPSO) Dividend
6 months ago | Simply Wall StHere's What You Should Know About Banca Popolare di Sondrio S.C.p.A.'s (BIT:BPSO) 3.6% Dividend Yield
7 months ago | Simply Wall StShould You Worry About Banca Popolare di Sondrio S.C.p.A.'s (BIT:BPSO) CEO Pay Cheque?
Is Banca Popolare di Sondrio S.C.p.A 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: BPSO (€2.23) is trading above our estimate of fair value (€0.63)
Significantly Below Fair Value: BPSO is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BPSO is poor value based on its PE Ratio (12.8x) compared to the IT Banks industry average (9.9x).
PE vs Market: BPSO is good value based on its PE Ratio (12.8x) compared to the Italian market (18.5x).
Price to Earnings Growth Ratio
PEG Ratio: BPSO is poor value based on its PEG Ratio (1.2x)
Price to Book Ratio
PB vs Industry: BPSO is good value based on its PB Ratio (0.3x) compared to the IT Banks industry average (0.5x).
How is Banca Popolare di Sondrio S.C.p.A forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BPSO's forecast earnings growth (10.5% per year) is above the savings rate (2%).
Earnings vs Market: BPSO's earnings (10.5% per year) are forecast to grow slower than the Italian market (24.4% per year).
High Growth Earnings: BPSO's earnings are forecast to grow, but not significantly.
Revenue vs Market: BPSO's revenue (22.1% per year) is forecast to grow faster than the Italian market (3.2% per year).
High Growth Revenue: BPSO's revenue (22.1% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if BPSO's Return on Equity is forecast to be high in 3 years time
How has Banca Popolare di Sondrio S.C.p.A performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BPSO has high quality earnings.
Growing Profit Margin: BPSO's current net profit margins (12.4%) are lower than last year (21.6%).
Past Earnings Growth Analysis
Earnings Trend: BPSO's earnings have declined by 1.6% per year over the past 5 years.
Accelerating Growth: BPSO's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BPSO had negative earnings growth (-49.4%) over the past year, making it difficult to compare to the Banks industry average (-5.3%).
Return on Equity
High ROE: BPSO's Return on Equity (2.7%) is considered low.
How is Banca Popolare di Sondrio S.C.p.A's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BPSO's Assets to Equity ratio (15.5x) is moderate.
Allowance for Bad Loans: BPSO has a low allowance for bad loans (59%).
Low Risk Liabilities: 68% of BPSO's liabilities are made up of primarily low risk sources of funding.
Loan Level: BPSO has an appropriate level of Loans to Assets ratio (72%).
Low Risk Deposits: BPSO's Loans to Deposits ratio (113%) is appropriate.
Level of Bad Loans: BPSO has a high level of bad loans (7.7%).
What is Banca Popolare di Sondrio S.C.p.A current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BPSO's dividend (2.24%) is higher than the bottom 25% of dividend payers in the Italian market (1.48%).
High Dividend: BPSO's dividend (2.24%) is low compared to the top 25% of dividend payers in the Italian market (4.79%).
Stability and Growth of Payments
Stable Dividend: BPSO's dividend payments have been volatile in the past 10 years.
Growing Dividend: BPSO's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (28.6%), BPSO'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
Mario Pedranzini (70 yo)
Cav. Rag. Dott. Mario Alberto Pedranzini serves as Managing Director, General Manager and Secretary of Banca Popolare di Sondrio S.C.p.A. and served as its General Manager. He is a Director of Banca della ...
|MD, GM, Secretary & Director||8yrs||€1.40m||no data|
|Member of Advisory Committee||no data||no data||no data|
|Chairman of the Board||6.92yrs||€264.00k||no data|
|Deputy Chairman of the Board||6.5yrs||€150.00k||no data|
|Member of Advisory Committee||no data||no data||no data|
|Chairman of Board of Statutory Auditors||no data||€105.00k||no data|
Experienced Board: BPSO's board of directors are seasoned and experienced ( 10.8 years average tenure).
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.
Banca Popolare di Sondrio S.C.p.A.'s company bio, employee growth, exchange listings and data sources
- Name: Banca Popolare di Sondrio S.C.p.A.
- Ticker: BPSO
- Exchange: BIT
- Founded: 1871
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €1.004b
- Shares outstanding: 449.71m
- Website: https://www.popso.it
Number of Employees
- Banca Popolare di Sondrio S.C.p.A.
- Piazza Giuseppe Garibaldi 16
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BPSO||BIT (Borsa Italiana)||Yes||Ordinary Shares||IT||EUR||Sep 1992|
|0NWJ||LSE (London Stock Exchange)||Yes||Ordinary Shares||GB||EUR||Sep 1992|
|593||DB (Deutsche Boerse AG)||Yes||Ordinary Shares||DE||EUR||Sep 1992|
|BPSOM||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Ordinary Shares||GB||EUR||Sep 1992|
Banca Popolare di Sondrio S.C.p.A., together with its subsidiaries, provides various banking products and services in Italy. The company offers current accounts, repurchase agreements, and loans primarily ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/12/02 20:26|
|End of Day Share Price||2020/12/02 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.