Banco di Desio e Della Brianza SPA (IT:BDB)
:BDB
Top Page
Banco di Desio e Della Brianza SPA
(BDB)
Select Model
Select Model
Rating:58Neutral
Price Target:
€9.50
▲(2.37% Upside)
Action:ReiteratedDate:12/03/25
The overall score of 58 reflects significant concerns in financial performance, with declining revenue, high debt, and negative cash flows weighing heavily. Strong technical momentum provides a positive offset, while a reasonable valuation with an attractive dividend yield adds moderate support. Investors should prioritize monitoring financial health and growth trends.
Positive Factors
Strong Gross Profit Margin
A strong gross profit margin indicates effective cost management and pricing power, which can support profitability even in challenging revenue environments.
Negative Factors
Declining Revenue Growth
Declining revenue growth indicates challenges in maintaining market share and competitiveness, which could impact long-term financial health.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Gross Profit Margin
A strong gross profit margin indicates effective cost management and pricing power, which can support profitability even in challenging revenue environments.
Read all positive factors
Banco di Desio e Della Brianza SPA (BDB) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€1.19B
Dividend Yield4.86%
Average Volume (3M)141.20K
Price to Earnings (P/E)9.8
Beta (1Y)0.96
Revenue Growth-5.81%
EPS Growth-11.05%
CountryIT
Employees2,535
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding131,474,810
10 Day Avg. Volume166,969
30 Day Avg. Volume141,203
Financial Highlights & Ratios
PEG Ratio-0.15
Price to Book (P/B)0.62
Price to Sales (P/S)0.99
P/FCF Ratio-1.57
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Banco di Desio e Della Brianza SPA Business Overview & Revenue Model
Company Description
Banco di Desio e della Brianza S.p.A. provides banking products and services to individuals and enterprises in Italy. The company offers deposits and loans. It also provides financial, banking, payment, documentary credit, leasing, factoring, insu...
How the Company Makes Money
Banco di Desio e Della Brianza generates revenue primarily through interest income, which is earned from loans extended to customers, including personal, mortgage, and business loans. Additionally, the bank earns money from fees and commissions re...
Banco di Desio e Della Brianza SPA Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
40
Negative
Cash Flow
30
Negative
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 875.76M | 910.73M | 735.15M | 538.76M | 516.30M | 472.00M |
| Gross Profit | 638.22M | 644.63M | 498.07M | 486.61M | 475.60M | 434.38M |
| EBITDA | 208.15M | 211.54M | 227.47M | 129.60M | 79.88M | 51.59M |
| Net Income | 117.84M | 125.54M | 240.36M | 81.46M | 54.90M | 23.69M |
Balance Sheet | ||||||
| Total Assets | 18.60B | 18.63B | 18.56B | 17.54B | 17.80B | 15.66B |
| Cash, Cash Equivalents and Short-Term Investments | 846.68M | 1.17B | 1.76B | 879.59M | 2.04B | 992.76M |
| Total Debt | 3.90B | 3.51B | 2.83B | 5.66B | 1.69B | 1.73B |
| Total Liabilities | 17.15B | 17.19B | 17.20B | 16.42B | 16.72B | 14.67B |
| Stockholders Equity | 1.45B | 1.45B | 1.35B | 1.12B | 1.09B | 995.07M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -576.34M | 705.57M | 814.51M | -30.82M | 12.52M |
| Operating Cash Flow | 0.00 | -562.78M | 747.13M | 822.33M | -25.20M | 17.41M |
| Investing Cash Flow | 0.00 | -35.22M | 51.75M | -11.98M | -5.59M | -4.87M |
| Financing Cash Flow | 0.00 | -41.02M | -26.46M | -18.34M | -8.36M | 0.00 |
Banco di Desio e Della Brianza SPA Technical Analysis
Positive
9.28
Price Trends
8.82
Negative
8.89
Negative
8.17
Positive
Market Momentum
-0.02
Negative
51.93
Neutral
77.59
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:BDB, the sentiment is Positive. The current price of 9.28 is above the 20-day moving average (MA) of 8.59, above the 50-day MA of 8.82, and above the 200-day MA of 8.17, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 51.93 is Neutral, neither overbought nor oversold. The STOCH value of 77.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:BDB.
Banco di Desio e Della Brianza SPA Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | €23.69B | 12.53 | 13.48% | 6.09% | 5.23% | 3.54% | |
73 Outperform | €5.18B | 8.39 | 13.87% | 6.23% | -7.81% | 4.89% | |
72 Outperform | €7.76B | 13.84 | 14.64% | 4.87% | -10.80% | 20.43% | |
67 Neutral | €19.04B | 5.75 | 18.92% | 8.25% | 2.23% | 72.08% | |
62 Neutral | €1.37B | 4.76 | 16.33% | 8.44% | -3.63% | -5.12% | |
58 Neutral | €1.19B | 9.76 | 7.87% | 4.86% | -5.81% | -11.05% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:BDB
Banco di Desio e Della Brianza SPA
9.06
2.63
40.79%
IT:IF
Banca Ifis SPA
22.64
5.53
32.34%
IT:BPSO
Banca Popolare di Sondrio S.C.p.A.
17.25
8.74
102.67%
IT:BAMI
Banco BPM S.p.A.
12.60
5.27
71.99%
IT:BPE
BPER Banca S.p.A.
12.06
6.69
124.36%
IT:CE
Credito Emiliano SPA Credem
15.25
5.05
49.51%
Banco di Desio e Della Brianza SPA Corporate Events
Banco di Desio Updates Statute After Cancelling Treasury Shares from 2024 Buyback
Dec 23, 2025
Banco di Desio e della Brianza has updated its Articles of Association to reflect the cancellation of 2,888,242 treasury shares acquired under its 2024 buyback programme, without reducing the bank’s overall share capital. The amended Article...
Banco di Desio e della Brianza Cancels Treasury Shares Without Reducing Capital
Dec 19, 2025
Banco di Desio e della Brianza has completed the cancellation of 2,888,242 treasury shares acquired under its share buy-back programme, without reducing its share capital, following approval by an extraordinary shareholders’ meeting. As a re...
Banco Desio Cancels 2.9 Million Treasury Shares Without Cutting Capital
Dec 18, 2025
Banco di Desio e della Brianza’s Extraordinary Shareholders’ Meeting has approved the cancellation of 2,888,242 treasury shares acquired under the 2024 buyback programme, without reducing the bank’s share capital, and has consequ...
Banco Desio Acquires Stake in Credito Lombardo Veneto to Boost Regional Growth
Dec 16, 2025
Banco di Desio e della Brianza S.p.A. has acquired a 9.81% stake in Credito Lombardo Veneto S.p.A. as part of a minority investment strategy to support the latter’s development and foster collaboration. This move aims to strengthen Banco Des...
Banco Desio Seeks Control of SCM with Public Purchase Offer
Dec 15, 2025
Banco di Desio e della Brianza S.P.A. has filed an offer document with Consob for a voluntary public purchase offer on ordinary shares of Solutions Capital Management SIM S.p.A., aiming to delist these shares from Euronext Growth Milan. This strat...
Banco Desio Announces Public Purchase Offer for SCM Shares
Nov 25, 2025
Banco di Desio e della Brianza S.p.A. has announced a voluntary total public purchase offer for the ordinary shares of Solutions Capital Management SIM S.p.A. (SCM), aiming to delist SCM from Euronext Growth Milan. The offer includes a cash consid...
Banco di Desio Announces Extraordinary Meeting Details
Nov 17, 2025
Banco di Desio e della Brianza S.p.A. has announced the availability of the notice of call for its Extraordinary Meeting scheduled for December 18, 2025. The meeting will be conducted exclusively through a Designated Representative, and relevant d...
Banco di Desio e della Brianza S.p.A. Announces Extraordinary Meeting for Share Cancellation
Nov 17, 2025
Banco di Desio e della Brianza S.p.A. has announced an Extraordinary Meeting scheduled for December 18, 2025, to discuss the cancellation of 2,888,242 own shares without reducing the share capital. This move indicates a strategic decision to optim...
Banco di Desio Reports Strong Capital and Sustainability Progress Despite Profit Dip
Nov 6, 2025
Banco di Desio e della Brianza S.p.A. reported a consolidated net profit of 105.9 million Euros for the first nine months of 2025, a decrease from the previous year, but achieved an annualized ROE of 10.1% and strong commission growth. The bank de...
Banco Desio’s Fides Completes €300 Million Securitization
Oct 30, 2025
Fides S.p.A., a subsidiary of Banco Desio, has successfully completed a securitization operation worth over 300 million euros, primarily involving loans against the transfer of one-fifth. This operation, structured under Italian law, aligns with B...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.