Banca Popolare di Sondrio S.C.p.A. (IT:BPSO)
:BPSO
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Banca Popolare di Sondrio S.C.p.A.
(BPSO)
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Rating:74Outperform
Price Target:
€20.00
▲(17.72% Upside)
Action:ReiteratedDate:04/12/26
The score is led by solid financial performance (strong profitability and improved leverage) and supportive technical trend (price above key moving averages with positive MACD). Valuation adds support via a reasonable P/E and strong dividend yield, while volatility in revenue/cash flow and near-term overbought signals modestly constrain the upside.
Positive Factors
Improving Profitability & Margins
Material margin improvement signals durable enhancement in core banking economics—better spreads, fee mix and cost control. Higher margins bolster earnings resilience, support reinvestment and dividends, and provide buffer against provisioning or rate headwinds over the next 2–6 months.
Negative Factors
Volatile Cash Flow History
Large swings in cash flow across recent years reduce predictability of internal funding and capital distributions. For a bank, inconsistent operating cash flow complicates liquidity planning and stress scenarios, making capital actions and dividend sustainability less certain over months ahead.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability & Margins
Material margin improvement signals durable enhancement in core banking economics—better spreads, fee mix and cost control. Higher margins bolster earnings resilience, support reinvestment and dividends, and provide buffer against provisioning or rate headwinds over the next 2–6 months.
Read all positive factors
Banca Popolare di Sondrio S.C.p.A. (BPSO) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€8.09B
Dividend Yield4.87%
Average Volume (3M)853.34K
Price to Earnings (P/E)11.6
Beta (1Y)1.43
Revenue Growth-10.80%
EPS Growth20.43%
CountryIT
Employees3,720
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.30
Shares Outstanding453,385,800
10 Day Avg. Volume648,379
30 Day Avg. Volume853,344
Financial Highlights & Ratios
PEG Ratio0.92
Price to Book (P/B)1.64
Price to Sales (P/S)3.21
P/FCF Ratio5.87
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)1.39
Revenue Forecast (FY)€1.71B
Banca Popolare di Sondrio S.C.p.A. Business Overview & Revenue Model
Company Description
Banca Popolare di Sondrio S.p.A., together with its subsidiaries, provides various banking products and services in Italy. The company offers current accounts, savings deposits, certificates of deposits, time deposit accounts, and bonds; and loans...
How the Company Makes Money
BPSO primarily makes money through (1) net interest income and (2) fee and commission income, supplemented by trading/investment results and other operating income.
1) Net interest income (core banking spread): The bank collects funding mainly vi...
Banca Popolare di Sondrio S.C.p.A. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
67
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.99B | 2.33B | 2.81B | 2.47B | 1.32B | 1.23B |
| Gross Profit | 1.53B | 1.78B | 1.79B | 1.60B | 1.16B | 1.11B |
| EBITDA | 1.02B | 953.09M | 920.20M | 735.05M | 419.13M | 429.46M |
| Net Income | 647.64M | 647.99M | 574.94M | 461.16M | 251.32M | 268.63M |
Balance Sheet | ||||||
| Total Assets | 56.57B | 58.34B | 56.63B | 57.72B | 57.85B | 55.02B |
| Cash, Cash Equivalents and Short-Term Investments | 2.39B | 3.33B | 4.12B | 4.92B | 7.39B | 7.94B |
| Total Debt | 6.25B | 5.47B | 5.78B | 16.77B | 4.19B | 4.42B |
| Total Liabilities | 52.25B | 53.77B | 52.47B | 53.91B | 54.47B | 51.64B |
| Stockholders Equity | 4.33B | 4.57B | 4.16B | 3.81B | 3.39B | 3.27B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 1.28B | -629.23M | -2.43B | 1.45B | 286.12M |
| Operating Cash Flow | 0.00 | 1.31B | -505.88M | -2.31B | 1.58B | 344.51M |
| Investing Cash Flow | 0.00 | -2.34B | -41.48M | -71.18M | -198.45M | -43.32M |
| Financing Cash Flow | 0.00 | 631.79M | -252.06M | -126.92M | -89.94M | -26.42M |
Banca Popolare di Sondrio S.C.p.A. Technical Analysis
Positive
16.99
Price Trends
16.80
Positive
16.49
Positive
14.72
Positive
Market Momentum
0.38
Negative
66.10
Neutral
95.87
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:BPSO, the sentiment is Positive. The current price of 16.99 is above the 20-day moving average (MA) of 16.44, above the 50-day MA of 16.80, and above the 200-day MA of 14.72, indicating a bullish trend. The MACD of 0.38 indicates Negative momentum. The RSI at 66.10 is Neutral, neither overbought nor oversold. The STOCH value of 95.87 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:BPSO.
Banca Popolare di Sondrio S.C.p.A. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | €24.37B | 12.53 | 13.48% | 6.09% | 5.23% | 3.54% | |
74 Outperform | €8.09B | 11.56 | 14.64% | 4.87% | -10.80% | 20.43% | |
73 Outperform | €5.29B | 8.39 | 13.87% | 6.23% | -7.81% | 4.89% | |
66 Neutral | €19.63B | 5.75 | 18.92% | 8.25% | 2.23% | 72.08% | |
62 Neutral | €1.38B | 4.76 | 16.33% | 8.44% | -3.63% | -5.12% | |
58 Neutral | €1.23B | 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:BPSO
Banca Popolare di Sondrio S.C.p.A.
17.61
8.06
84.42%
IT:IF
Banca Ifis SPA
22.72
4.36
23.74%
IT:BAMI
Banco BPM S.p.A.
13.05
4.64
55.17%
IT:BDB
Banco di Desio e Della Brianza SPA
9.21
2.02
28.08%
IT:BPE
BPER Banca S.p.A.
12.21
6.14
101.25%
IT:CE
Credito Emiliano SPA Credem
15.51
4.93
46.64%
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.