Banca Popolare di Sondrio S.C.p.A., together with its subsidiaries, provides various banking products and services in Italy. More Details
Solid track record with adequate balance sheet.
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 not significantly more volatile than the rest of Italian stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: BPSO's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: BPSO exceeded the Italian Banks industry which returned 14.7% over the past year.
Return vs Market: BPSO exceeded the Italian Market which returned 16.8% 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
1 month ago | Simply Wall StThe Banca Popolare di Sondrio S.C.p.A (BIT:BPSO) Share Price Has Gained 177%, So Why Not Pay It Some Attention?
7 months ago | Simply Wall StShould You Or Shouldn't You: A Dividend Analysis on Banca Popolare di Sondrio S.C.p.A. (BIT:BPSO)
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 (€3.6) is trading above our estimate of fair value (€1.02)
Significantly Below Fair Value: BPSO is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BPSO is good value based on its PE Ratio (7.6x) compared to the Italian Banks industry average (9.5x).
PE vs Market: BPSO is good value based on its PE Ratio (7.6x) compared to the Italian market (20.8x).
Price to Earnings Growth Ratio
PEG Ratio: BPSO's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: BPSO's PB Ratio (0.5x) is in line with the IT Banks industry average.
How is Banca Popolare di Sondrio S.C.p.A forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BPSO's earnings are forecast to decline over the next 3 years (-7.5% per year).
Earnings vs Market: BPSO's earnings are forecast to decline over the next 3 years (-7.5% per year).
High Growth Earnings: BPSO's earnings are forecast to decline over the next 3 years.
Revenue vs Market: BPSO's revenue (2.4% per year) is forecast to grow slower than the Italian market (2.8% per year).
High Growth Revenue: BPSO's revenue (2.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BPSO's Return on Equity is forecast to be low in 3 years time (3.9%).
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 (25.9%) are higher than last year (9.3%).
Past Earnings Growth Analysis
Earnings Trend: BPSO's earnings have grown by 5.2% per year over the past 5 years.
Accelerating Growth: BPSO's earnings growth over the past year (279.1%) exceeds its 5-year average (5.2% per year).
Earnings vs Industry: BPSO earnings growth over the past year (279.1%) exceeded the Banks industry 8%.
Return on Equity
High ROE: BPSO's Return on Equity (6.8%) 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 (16.2x) is moderate.
Allowance for Bad Loans: BPSO has a low allowance for bad loans (62%).
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 (69%).
Low Risk Deposits: BPSO's Loans to Deposits ratio (109%) is appropriate.
Level of Bad Loans: BPSO has a high level of bad loans (6.2%).
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 (1.67%) is higher than the bottom 25% of dividend payers in the Italian market (1.21%).
High Dividend: BPSO's dividend (1.67%) is low compared to the top 25% of dividend payers in the Italian market (3.78%).
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 low payout ratio (12.7%), BPSO's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BPSO's dividends in 3 years are forecast to be well covered by earnings (28.5% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mario Pedranzini (71 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 BNT Banca Sp...
CEO Compensation Analysis
Compensation vs Market: Mario's total compensation ($USD1.49M) is about average for companies of similar size in the Italian market ($USD1.16M).
Compensation vs Earnings: Mario's compensation has been consistent with company performance over the past year.
Experienced Board: BPSO's board of directors are considered experienced (8.6 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: €1.617b
- Shares outstanding: 449.70m
- Website: https://www.popso.it
Number of Employees
- Banca Popolare di Sondrio S.C.p.A.
- Piazza Giuseppe Garibaldi 16
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, savings deposits, certificates of deposits,...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/07/22 22:23|
|End of Day Share Price||2021/07/22 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.