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

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.97
Equity-to-Asset	0.07
Debt-to-Equity	1.33
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	-1.98	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	-8.9

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	70.63
	9-Day RSI	65.74
	14-Day RSI	62.02
	6-1 Month Momentum %	37.67
	12-1 Month Momentum %	63.33

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.77
	Dividend Payout Ratio	0.28
	Forward Dividend Yield %	7.53
	5-Year Yield-on-Cost %	3.73
	Shareholder Yield %	-10.72

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	29.34
	FCF Margin %	-154.37
	ROE %	12.91
	ROA %	0.82
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.09
	PE Ratio without NRI	7.14
	Shiller PE Ratio	15.72
	PEG Ratio	0.99
	PS Ratio	2.09
	PB Ratio	0.86
	Price-to-Tangible-Book	0.89
	EV-to-Revenue	2.23
	EV-to-FCF	-1.39
	Price-to-Projected-FCF	0.21
	Price-to-Median-PS-Value	1.51
	Price-to-Peter-Lynch-Fair-Value	1.05
	Price-to-Graham-Number	0.54
	FCF Yield %	-72.57
	Forward Rate of Return (Yacktman) %	27.6

Financials

Annual Quarterly TTM

MIL:BPSO's 30-Y Financials

AAPL

Income Statement Breakdown

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

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5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Banca Popolare di Sondrio SpA Executives

Details

GF Value: €5.3

MIL:BPSO

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with BPSO. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil €)	1,571.704
	EPS (TTM) (€)	1.024
	Beta	0.87
	Volatility %	27.42
	14-Day RSI	62.02
	14-Day ATR (€)	0.20339
	20-Day SMA (€)	7.02475
	12-1 Month Momentum %	63.33
	52-Week Range (€)	3.47 - 7.645
	Shares Outstanding (Mil)	449.75

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Banca Popolare di Sondrio SpA Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Banca Popolare di Sondrio SpA Stock Events

Financials Calendars

	Event	Date	Price(€)
No Event Data

Banca Popolare di Sondrio SpA Frequently Asked Questions

What is Banca Popolare di Sondrio SpA(MIL:BPSO)'s stock price today?

The current price of MIL:BPSO is €7.44. The 52 week high of MIL:BPSO is €7.65 and 52 week low is €3.47.

When is next earnings date of Banca Popolare di Sondrio SpA(MIL:BPSO)?

The next earnings date of Banca Popolare di Sondrio SpA(MIL:BPSO) is .

Does Banca Popolare di Sondrio SpA(MIL:BPSO) pay dividends? If so, how much?

The Dividend Yield % of Banca Popolare di Sondrio SpA(MIL:BPSO) is 3.77% (As of Today), Highest Dividend Payout Ratio of Banca Popolare di Sondrio SpA(MIL:BPSO) was 0.35. The lowest was 0.1. And the median was 0.2. The Forward Dividend Yield % of Banca Popolare di Sondrio SpA(MIL:BPSO) is 7.53%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

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