BDB Stock Analysis: Banco di Desio e della | MI
Banks - Regional | MI, Italy | Market Cap: 1.825m EUR | 12M Return: 113.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.06M
EPS Trend: -73.0%
Rev. Trend: 76.4%
Warnings
No concerns identified
Tailwinds
Seasonality 11.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Banco di Desio e della Brianza S.p.A. (BDB) is an Italian regional bank headquartered in Desio, founded in 1909 and controlled by Brianza Unione di Luigi Gavazzi e Stefano Lado S.A.p.A. It offers a full suite of retail and corporate banking services, including current and deposit accounts, debit and credit cards, mortgages, and other financing products for both individuals and enterprises.
The bank also provides insurance, investment, and asset management services (including funds, SICAVs, and its DesioValue offering), as well as POS solutions and internet banking. For businesses, it delivers corporate advisory, private debt, energy self-sufficiency solutions, international trade financing, and risk coverage products. As a mid-cap regional bank in Italys Financials sector, BDB operates a diversified universal banking model serving both household and corporate clients in its domestic market.
- Net interest income growth driven by ECB rate cycle and Italian lending volumes
- Wealth management and asset management fees expand amid Italian savings recovery
- Credit quality remains stable supporting contained loan loss provisions
| Net Income: 127.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 1.82 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA -0.01 > 3% & CFO -243.4m > Net Income 127.9m |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (131.5m) vs 12m ago -0.62% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 3.48% > 50% (prev 3.51%; Δ -0.03% > 0%) |
| Interest Coverage Ratio: 1.94 > 6 (EBIT TTM 405.4m / Interest Expense TTM 208.9m) |
As of July 08, 2026, the stock is trading at EUR 14.14 with a total of 176,907 shares traded. Over the past week, the price has changed by +6.48%, over one month by +46.53%, over three months by +71.94% and over the past year by +113.64%.
Current recommended Stop Loss: 13.60 (which is 3.8% or 1.3 ATR below the current price).
Banco di Desio e della has no consensus analysts rating.
P/E Trailing = 14.1633
P/E Forward = 9.2081
P/S = 3.2166
P/B = 1.1729
Revenue TTM = 654.1m EUR
EBIT TTM = 405.4m EUR
EBITDA TTM = 431.2m EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 1.25b EUR (1.82b + (null Debt) - CCE 579.4m)
Interest Coverage Ratio = 1.94 (Ebit TTM 405.4m / Interest Expense TTM 208.9m)
EV/FCF = -4.86x (Enterprise Value 1.25b / FCF TTM -256.4m)
FCF Yield = -20.59% (FCF TTM -256.4m / Enterprise Value 1.25b)
FCF Margin = -39.21% (FCF TTM -256.4m / Revenue TTM 654.1m)
Net Margin = 19.56% (Net Income TTM 127.9m / Revenue TTM 654.1m)
Gross Margin = unknown ((Revenue TTM 654.1m - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.06 (Enterprise Value 1.25b / Total Assets 19.3b)
Interest Expense / Debt = unknown (Interest Expense 208.9m / Debt none)
Taxrate = 34.74% (68.3m / 196.5m)
NOPAT = 264.6m (EBIT 405.4m * (1 - 34.74%))
Current Ratio = unknown (Total Current Assets 579.4m / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 431.2m)
Debt / FCF = unknown (Net Debt none / FCF TTM -256.4m)
Total Stockholder Equity = 1.48b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.68% (Net Income 127.9m / Total Assets 19.3b)
RoE = 8.62% (Net Income TTM 127.9m / Total Stockholder Equity 1.48b)
RoCE = unknown (EBIT 405.4m / Capital Employed )
RoIC = unknown (NOPAT 264.6m, Invested Capital 0.0, EBIT 405.4m)
WACC = 6.82% (E(1.82b)/V(1.82b) * Re(6.82%) + (debt-free company))
Discount Rate = 6.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -59.63 | Cagr: -0.52%
[DCF] Fair Price = unknown (Cash Flow -256.4m)
EPS Correlation: -73.05 | EPS CAGR: -20.89% | SUE: N/A | # QB: 0
Revenue Correlation: 76.37 | Revenue CAGR: 15.58% | SUE: N/A | # QB: 0