BDB Stock Analysis: Banco di Desio e della | MI
Banks - Regional | MI, Italy | Market Cap: 2.506m EUR | 12M Return: 167.8% | IT0001041000 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.47M
EPS Trend: -59.7%
Rev. Trend: 52.3%
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 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: 133.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 1.78 > 1.0 |
| NWC/Revenue: -1.48k% < 20% (prev -1.14k%; Δ -340.2% < -1%) |
| CFO/TA -0.01 > 3% & CFO -243.4m > Net Income 133.1m |
| Net Debt (3.97b) to EBITDA (231.2m): 17.16 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (131.5m) vs 12m ago -0.01% < -2% |
| Gross Margin: 76.22% > 18% (prev 72.88%; Δ 3.35% > 0.5%) |
| Asset Turnover: 4.32% > 50% (prev 4.71%; Δ -0.39% > 0%) |
| Interest Coverage Ratio: 0.97 > 6 (EBIT TTM 205.2m / Interest Expense TTM 210.5m) |
| A: -0.63 (Total Current Assets 113.4m - Total Current Liabilities 12.3b) / Total Assets 19.5b |
| B: 0.00 (Retained Earnings 76.1m / Total Assets 19.5b) |
| C: 0.01 (EBIT TTM 205.2m / Avg Total Assets 19.1b) |
| D: 0.08 (Book Value of Equity 1.49b / Total Liabilities 18.0b) |
| Altman-Z'' = -3.93 = D |
| DSRI: 3.0 (Receivables 193.0m/29.4m, Revenue 823.4m/875.8m) |
| GMI: 0.96 (GM 72.88% / 76.22%) |
| AQI: 1.04 (AQ_t 0.98 / AQ_t-1 0.94) |
| SGI: 0.94 (Revenue 823.4m / 875.8m) |
| TATA: 0.02 (NI 133.1m - CFO -243.4m) / TA 19.5b) |
| Beneish M = -1.43 (Cap -4..+1) = D |
As of September 27, 2026, the stock is trading at EUR 18.88 with a total of 79,316 shares traded. Over the past week, the price has changed by +4.42%, over one month by +12.92%, over three months by +48.66% and over the past year by +167.79%.
Current recommended Stop Loss: 18.00 (which is 4.7% or 1.3 ATR below the current price).
Banco di Desio e della has no consensus analysts rating.
P/E Trailing = 18.6863
P/E Forward = 9.2081
P/S = 4.331
P/B = 1.5908
Revenue TTM = 823.4m EUR
EBIT TTM = 205.2m EUR
EBITDA TTM = 231.2m EUR
Long Term Debt = unknown (none)
Short Term Debt = 1.04b EUR (from shortTermDebt, last fiscal year)
Debt = 4.08b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.97b EUR (calculated: Debt 4.08b - CCE 113.4m)
Enterprise Value = 6.47b EUR (2.51b + Debt 4.08b - CCE 113.4m)
Interest Coverage Ratio = 0.97 (Ebit TTM 205.2m / Interest Expense TTM 210.5m)
EV/FCF = -25.25x (Enterprise Value 6.47b / FCF TTM -256.4m)
FCF Yield = -3.96% (FCF TTM -256.4m / Enterprise Value 6.47b)
FCF Margin = -31.14% (FCF TTM -256.4m / Revenue TTM 823.4m)
Net Margin = 16.16% (Net Income TTM 133.1m / Revenue TTM 823.4m)
Gross Margin = 76.22% ((Revenue TTM 823.4m - Cost of Revenue TTM 195.8m) / Revenue TTM)
Gross Margin QoQ = 72.60% (prev 72.75%)
Tobins Q-Ratio = 0.33 (Enterprise Value 6.47b / Total Assets 19.5b)
Interest Expense / Debt = 5.16% (Interest Expense 210.5m / Debt 4.08b)
Taxrate = 35.23% (72.2m / 204.8m)
NOPAT = 132.9m (EBIT 205.2m * (1 - 35.23%))
Current Ratio = 0.01 (Total Current Assets 113.4m / Total Current Liabilities 12.3b)
Debt / Equity = 2.73 (Debt 4.08b / totalStockholderEquity, last quarter 1.49b)
Debt / EBITDA = 17.16 (Net Debt 3.97b / EBITDA 231.2m)
Debt / FCF = -15.48 (negative FCF - burning cash) (Net Debt 3.97b / FCF TTM -256.4m)
Total Stockholder Equity = 1.50b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.70% (Net Income 133.1m / Total Assets 19.5b)
RoE = 8.89% (Net Income TTM 133.1m / Total Stockholder Equity 1.50b)
RoCE = 2.85% (EBIT 205.2m / Capital Employed (Total Assets 19.5b - Current Liab 12.3b))
RoIC = 1.62% (NOPAT 132.9m / Invested Capital 8.20b)
WACC = 4.69% (E(2.51b)/V(6.59b) * Re(6.88%) + D(4.08b)/V(6.59b) * Rd(5.16%) * (1-Tc(0.35)))
Discount Rate = 6.88% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -71.27 | Cagr: -0.97%
[DCF] Fair Price = unknown (Cash Flow -256.4m)
EPS Correlation: -59.70 | EPS CAGR: -15.73% | SUE: N/A | # QB: 0
Revenue Correlation: 52.29 | Revenue CAGR: 6.91% | SUE: N/A | # QB: 0