Banca Popolare di Sondrio SpA is a full-service cooperative bank operating primarily in Northern Italy but also in Central Italy and Switzerland. The bank's overall strategy is geared toward sustaining local economies, particularly small- and medium-sized businesses and households. most of the bank's business is generated through business banking, followed by individual banking activities. The bank generates most of its net revenue through net interest income, followed by net fees and commissions and net trading income. A majority of the bank's earning assets are mortgage loans. The bank's lending strategy revolves around a low propensity for risk and an emphasis on diversification.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.59
Equity-to-Asset	0.07
Debt-to-Equity	1.35
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.96	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	21.7
	3-Year EPS without NRI Growth Rate	61.5
	3-Year Book Growth Rate	8.3
	Future 3-5Y EPS without NRI Growth Rate	-7.56

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	76.17
	9-Day RSI	72.02
	14-Day RSI	69.02
	6-1 Month Momentum %	14.07
	12-1 Month Momentum %	61.15

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.42
	Dividend Payout Ratio	0.25
	Forward Dividend Yield %	6.84
	5-Year Yield-on-Cost %	3.42
	Shareholder Yield %	-15.34

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	31.17
	FCF Margin %	-147.69
	ROE %	13.91
	ROA %	0.91
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.21
	PE Ratio without NRI	7.26
	Shiller PE Ratio	16.84
	PEG Ratio	1.01
	PS Ratio	2.25
	PB Ratio	0.94
	Price-to-Tangible-Book	0.95
	EV-to-Revenue	3.57
	EV-to-FCF	-2.38
	Price-to-Projected-FCF	0.23
	Price-to-Median-PS-Value	1.58
	Price-to-Peter-Lynch-Fair-Value	1
	Price-to-Graham-Number	0.55
	FCF Yield %	-65.91
	Forward Rate of Return (Yacktman) %	25.53

GF Value: €5.64

MIL:BPSO

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