Banca Profilo SPA (PRO) AI Stock Analysis

• Market Cap: €114.14M
• Dividend Yield: 7.19%
• Average Volume (3M): 1.59M
• Price to Earnings (P/E): 13.2
• Beta (1Y): 0.36
• Revenue Growth: 5.80%
• EPS Growth: -23.91%
• Country: IT
• Employees: 207
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): <0.01
• Shares Outstanding: 677,997,800
• 10 Day Avg. Volume: 404,618
• 30 Day Avg. Volume: 1,591,608
• PEG Ratio: 0.47
• Price to Book (P/B): 0.81
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 2.65
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 66 Neutral
• Price Target: ―

Banca Profilo SPA's strong balance sheet with no debt and a high dividend yield are key strengths, providing financial stability and income opportunities. However, operational inefficiencies and declining cash flow pose challenges, affecting overall profitability. Technical indicators suggest limited upward momentum, with valuation metrics showing the stock is fairly valued.

Banca Profilo SPA Business Overview & Revenue Model

Company Description

Banca Profilo S.p.A. (PRO) is an Italian banking institution that specializes in private banking and wealth management services. The company primarily serves high-net-worth individuals, offering personalized financial solutions, investment advisory, and asset management services. Banca Profilo operates within the financial services sector, focusing on providing tailored banking products and services to meet the unique needs of its clients.

How the Company Makes Money

Banca Profilo S.p.A. generates revenue mainly through its wealth management and private banking services. The company earns income from management fees charged on assets under management, advisory fees for investment services, and commissions from brokerage services. Additionally, Banca Profilo may earn interest income from loans provided to clients, as well as fees from other financial services such as estate planning and fiduciary services. Strategic partnerships with other financial institutions and service providers can also contribute to its revenue streams.

Banca Profilo SPA Financial Statement Overview

Summary

Banca Profilo SPA exhibits a stable balance sheet with no debt and a solid equity base, contributing to overall financial stability. However, income statement metrics reveal operational inefficiencies and inconsistent revenue growth, affecting profitability. Cash flow trends show potential liquidity issues with declining operating cash flow, although free cash flow remains positive, supporting short-term financial health.

Income Statement

The company's revenue has shown inconsistency, with a significant decrease from 2023 to 2024. The gross profit margin remains strong, but the negative EBIT margin in 2024 is concerning, indicating operational inefficiencies. The net income saw a decline, reflecting challenges in maintaining profitability.

Balance Sheet

The company maintains a strong equity position with no total debt in 2024, reflecting financial stability. The equity ratio is healthy, indicating a robust capital structure. However, the return on equity has decreased, suggesting less efficient use of equity capital in generating profits.

Cash Flow

Operating cash flow has declined from previous years, impacting free cash flow growth. The free cash flow remains positive, which is a positive sign for liquidity. However, the operating cash flow to net income ratio indicates challenges in converting income into cash flow efficiently.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
77.80M	124.12M	74.58M	70.71M	62.02M
	Gross Profit
77.80M	124.12M	74.58M	70.71M	62.02M
	EBIT
16.40M	17.14M	18.32M	15.70M	14.68M
	EBITDA
13.48M	-883.00K	-823.00K	15.88M	15.91M
	Net Income Common Stockholders
9.29M	12.12M	11.13M	8.89M	8.71M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
128.58M	116.49M	71.11M	31.54M	88.66M
	Total Assets
2.55B	2.14B	1.89B	1.67B	1.85B
	Total Debt
0.00	928.43M	848.48M	4.28M	4.55M
	Net Debt
-138.78M	-116.49M	777.37M	-27.26M	-84.11M
	Total Liabilities
2.39B	1.97B	1.73B	1.50B	1.65B
	Stockholders Equity
161.06M	165.93M	160.55M	163.85M	176.47M
Cash Flow		Free Cash Flow
31.06M	51.86M	48.93M	-28.20M	24.64M
	Operating Cash Flow
34.64M	54.93M	52.32M	-25.87M	26.81M
	Investing Cash Flow
-3.58M	-1.77M	-3.39M	-5.37M	-2.18M
	Financing Cash Flow
-10.23M	-9.23M	-9.84M	-25.73M	-2.44M

Banca Profilo SPA Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.17
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:PRO, the sentiment is Neutral. The current price of 0.17 is below the 20-day moving average (MA) of 0.18, above the 50-day MA of 0.17, and below the 200-day MA of 0.17, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 47.43 is Neutral, neither overbought nor oversold. The STOCH value of 12.22 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IT:PRO.

Banca Profilo SPA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PRO	66 Neutral	€114.14M	13.22	5.24%	7.19%	5.80%	-23.91%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%
BMED	63 Neutral	€10.61B	9.27	27.96%	8.48%	21.55%	36.51%
ISP	61 Neutral	€86.69B	9.80	13.56%	6.97%	6.32%	17.08%

Banca Profilo SPA Corporate Events

Banca Profilo Announces New Board of Directors List

Banca Profilo has announced the publication of the list for the renewal of its Board of Directors, to be submitted at the upcoming Shareholders’ Meeting. The list, submitted by major shareholder Arepo BP S.p.A., emphasizes governance evolution with a focus on stability, independence, and gender balance, proposing a board structure without a Managing Director to enhance strategic supervision and operational efficiency.

Banca Profilo Reports 2024 Financial Results and Dividend Approval

Banca Profilo’s 2024 financial results show a consolidated net profit of 9.3 million euros, a decrease from the previous year, with a CET 1 ratio of 22.2%. Despite a decline in net revenues and operating results, the bank’s total assets increased by 19.1% to 2.5 billion euros. The company approved a dividend of 0.0128 euros per share, reflecting a 7.5% yield, to be distributed in May 2025. The meeting also addressed personnel remuneration and incentives, aligning with applicable provisions.

Banca Profilo S.p.A. Announces Virtual Ordinary Meeting for Board Appointments

Banca Profilo S.p.A. has announced an Ordinary Meeting scheduled for May 20, 2025, to discuss key governance matters, including the appointment and compensation of the Board of Directors. The meeting will be held exclusively via telecommunications, and shareholders can participate by proxy through Computershare S.p.A., the designated representative. This approach ensures shareholder engagement while adhering to legal requirements, potentially impacting the company’s governance structure and stakeholder relations.

Banca Profilo Announces Board Resignations and Upcoming Shareholders’ Meeting

Banca Profilo S.p.A. announced the resignation of the majority of its Board of Directors due to disagreements over governance, leading to the expiration of the entire board. An ordinary shareholders’ meeting is scheduled for May 20, 2025, to appoint a new board, with the current board continuing in a prorogation regime to support ongoing operations.

Banca Profilo Releases 2024 Annual Financial Report and Governance Documentation

Banca Profilo has made available its Annual Financial Report for the year ending December 31, 2024, along with various reports related to remuneration policy, corporate governance, and ownership structures. This publication is crucial for stakeholders as it provides transparency and insight into the company’s financial health and governance practices, potentially impacting investor confidence and market positioning.

Banca Profilo S.p.A. Announces 2025 Ordinary Meeting via Telecommunication

Banca Profilo S.p.A. has announced an upcoming Ordinary Meeting scheduled for April 15, 2025, to discuss key financial matters, including the approval of the 2024 financial statements and decisions on profit allocation. The meeting will be held exclusively via telecommunication, with Computershare S.p.A. appointed as the Designated Representative to facilitate shareholder participation. This announcement underscores the company’s commitment to transparent governance and stakeholder engagement, ensuring shareholder involvement in critical decision-making processes.

Banca Profilo Reports 2024 Financial Results Amid Market Challenges

Banca Profilo S.p.A. reported a consolidated net profit of 9.3 million euros for 2024, showing a 23.4% decline compared to the previous year, which had benefitted from favorable financial conditions. Despite a decrease in net revenues and operating results, the company experienced growth in total client assets, reaching 6.5 billion euros. The bank’s capital solidity was confirmed with a CET 1 ratio of 22.2%, one of the highest in the market, demonstrating resilience amidst increasing operational costs and investments in technological infrastructure.