BNCZ.F Stock Overview

Provides banking and financial products and services to individual, business, and corporate customers in Italy. More details

BNCZ.F fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 9.7% below our estimate of its fair value

Earnings grew by 52.4% over the past year

Risk Analysis

Earnings are forecast to decline by an average of 6.2% per year for the next 3 years

Shares are highly illiquid

Community vs My Fair Value

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Banco BPM S.p.A. Competitors

Credicorp

NYSE:BAP

US$14.8b

Comerica

NYSE:CMA

US$8.8b

Fifth Third Bancorp

NasdaqGS:FITB

US$29.5b

First Citizens BancShares

NasdaqGS:FCNC.A

US$29.0b

Price History & Performance

Summary of share price highs, lows and changes for Banco BPM
Historical stock prices
Current Share Price	€9.20
52 Week High	€10.35
52 Week Low	€5.57
Beta	0.86
1 Month Change	-3.17%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	309.79%
Change since IPO	218.29%

Recent updates

Shareholder Returns

	BNCZ.F	US Banks	US Market
7D	-11.1%	-0.4%	1.5%
1Y	n/a	40.5%	22.4%

Return vs Industry: Insufficient data to determine how BNCZ.F performed against the US Banks industry.

Return vs Market: Insufficient data to determine how BNCZ.F performed against the US Market.

Price Volatility

Is BNCZ.F's price volatile compared to industry and market?
BNCZ.F volatility
BNCZ.F Average Weekly Movement	n/a
Banks Industry Average Movement	3.8%
Market Average Movement	5.9%
10% most volatile stocks in US Market	18.0%
10% least volatile stocks in US Market	3.0%

Stable Share Price: BNCZ.F's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine BNCZ.F's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
n/a	19,578	Giuseppe Castagna	www.bancobpm.it

Banco BPM S.p.A. provides banking and financial products and services to individual, business, and corporate customers in Italy. It offers current account and digital services; home, personal, heritage, multi-risk, and car and vehicle insurance; credit, debit, and prepaid cards; deposit paper; trading and mobile platform; web platform; home and subrogation mortgagees; long term car rental; personal loans; and mutual investment funds, insurance investment products, saving, and social security products. The company sprovides condominium accounts, business financing, corporate leasing, corporate cards, project and real estate financing, payment and collections, trade and export finance, and digital services, as well as investment and transactional banking.

Banco BPM S.p.A. Fundamentals Summary

How do Banco BPM's earnings and revenue compare to its market cap?
BNCZ.F fundamental statistics
Market cap	US$13.80b
Earnings (TTM)	US$2.02b
Revenue (TTM)	US$5.46b

6.8x

P/E Ratio

0.9x

P/B Ratio

Is BNCZ.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BNCZ.F income statement (TTM)
Revenue	€5.20b
Cost of Revenue	€0
Gross Profit	€5.20b
Other Expenses	€3.28b
Earnings	€1.92b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

Mar 13, 2025

Earnings per share (EPS)	1.28
Gross Margin	100.00%
Net Profit Margin	36.92%
Debt/Equity Ratio	203.5%

How did BNCZ.F perform over the long term?

See historical performance and comparison

Dividends

6.4%

Current Dividend Yield

61%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/16 17:17
End of Day Share Price	2025/02/12 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Banco BPM S.p.A. is covered by 31 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Fabrizio Spagna	Axia Financial Research
Antonio Garcia-Gonzalez	Banco Santander
Marta Bastoni	Barclays