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Banco di Desio e Della Brianza SPA
(BDB)
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Rating:64Neutral
Price Target:
€20.00
▲(19.62% Upside)
Action:Reiterated
Date:07/30/26
The score is primarily held back by financial quality concerns—especially negative operating/free cash flow in 2024–2025 and a sharp 2025 revenue decline—despite solid profitability and improving (but still elevated) leverage. Offsetting this, the technical trend is strong with the stock above all major moving averages, and valuation is supported by a reasonable P/E and a ~3.31% dividend yield.
Positive Factors
Sustained Profitability
Healthy net and operating margins indicate that the core banking franchise remains profitable despite a weaker growth profile. This earnings base can support capital accumulation, customer investment, and resilience over the next several quarters if credit and funding conditions remain manageable.
Negative Factors
Sharp Revenue Contraction
The pronounced 2025 revenue decline and lower earnings versus 2023 show that recent profitability has not translated into consistent top-line momentum. Persistent volatility could constrain capital generation, weaken operating leverage, and make future earnings more sensitive to banking-cycle conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Profitability
Healthy net and operating margins indicate that the core banking franchise remains profitable despite a weaker growth profile. This earnings base can support capital accumulation, customer investment, and resilience over the next several quarters if credit and funding conditions remain manageable.
Read all positive factors
Banco di Desio e Della Brianza SPA (BDB) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€2.49B
Dividend Yield2.75%
Average Volume (3M)163.78K
Price to Earnings (P/E)18.6
Beta (1Y)0.96
Revenue Growth1.80%
EPS Growth13.22%
CountryIT
Employees2,491
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding131,474,810
10 Day Avg. Volume252,342
30 Day Avg. Volume163,780
Financial Highlights & Ratios
PEG Ratio3.05
Price to Book (P/B)0.83
Price to Sales (P/S)2.05
P/FCF Ratio-4.85
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 current and deposit accounts; and debit and credit cards. It also provides financing products and mortgages; i...
How the Company Makes Money
BDB primarily earns revenue through a mix of interest income and fee-based income typical of a commercial bank. (1) Net interest income: The bank collects interest on its loan portfolio (e.g., mortgages, consumer loans, and lending to small and me...
Banco di Desio e Della Brianza SPA Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
57
Neutral
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 803.45M | 607.67M | 910.73M | 735.15M | 538.76M | 516.30M |
| Gross Profit | 619.85M | 566.02M | 644.63M | 498.07M | 486.61M | 475.60M |
| EBITDA | 215.03M | 220.01M | 211.54M | 227.47M | 129.60M | 79.88M |
| Net Income | 128.00M | 127.37M | 125.54M | 240.36M | 81.46M | 54.90M |
Balance Sheet | ||||||
| Total Assets | 19.31B | 19.56B | 18.63B | 18.56B | 17.54B | 17.80B |
| Cash, Cash Equivalents and Short-Term Investments | 579.38M | 702.35M | 1.17B | 1.76B | 879.59M | 2.04B |
| Total Debt | 4.01B | 4.06B | 3.51B | 2.83B | 5.66B | 1.69B |
| Total Liabilities | 17.79B | 18.07B | 17.19B | 17.20B | 16.42B | 16.72B |
| Stockholders Equity | 1.52B | 1.49B | 1.45B | 1.35B | 1.12B | 1.09B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -256.44M | -576.34M | 705.57M | 814.51M | -30.82M |
| Operating Cash Flow | 0.00 | -243.35M | -562.78M | 747.13M | 822.33M | -25.20M |
| Investing Cash Flow | 0.00 | -13.01M | -35.22M | 51.75M | -11.98M | -5.59M |
| Financing Cash Flow | 0.00 | -74.80M | -41.02M | -26.46M | -18.34M | -8.36M |
Banco di Desio e Della Brianza SPA Technical Analysis
Positive
16.72
Price Trends
17.01
Positive
14.12
Positive
11.32
Positive
Market Momentum
0.55
Negative
61.15
Neutral
67.72
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 16.72 is below the 20-day moving average (MA) of 17.79, below the 50-day MA of 17.01, and above the 200-day MA of 11.32, indicating a bullish trend. The MACD of 0.55 indicates Negative momentum. The RSI at 61.15 is Neutral, neither overbought nor oversold. The STOCH value of 67.72 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 | €7.16B | 12.70 | 12.18% | 3.56% | -1.80% | -15.66% | |
70 Outperform | €30.10B | 13.06 | 13.80% | 4.64% | 15.23% | 1.44% | |
69 Neutral | €24.32B | 8.62 | 14.34% | 6.14% | -4.14% | -19.23% | |
64 Neutral | €2.49B | 18.56 | 8.89% | 2.75% | 1.80% | 13.22% | |
63 Neutral | €895.48M | 3.86 | 11.48% | 14.42% | 67.89% | 44.85% | |
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
18.58
11.49
161.91%
IT:IF
Banca Ifis SPA
14.02
-6.76
-32.53%
IT:BAMI
Banco BPM S.p.A.
16.22
4.34
36.54%
IT:BPE
BPER Banca S.p.A.
14.06
5.16
57.99%
IT:CE
Credito Emiliano SPA Credem
21.06
8.34
65.62%
Banco di Desio e Della Brianza SPA Corporate Events
Banco Desio’s ESG Score Jumps 21 Points as Sustainability Strategy Advances
Sep 24, 2026
Banco Desio, a multi-product Italian banking group with strong regional roots and a diversified offering across retail banking, consumer credit, wealth management and bancassurance, operates more than 270 branches and oversees consolidated assets ...
Banco di Desio e della Brianza Reports August Share Purchases on Italian Market
Sep 2, 2026
Banco di Desio e della Brianza S.p.A., a long-established Italian retail and commercial bank based in Desio, has its shares listed on the Italian regulated market and serves a wide domestic customer base. The bank’s equity, identified by ISI...
Banco Desio Publishes Half-Year 2026 Financial Report
Aug 5, 2026
Gruppo Banco Desio has released its half-year financial report for the period ended 30 June 2026, making it available to the public at its registered office, on the bank’s website and through the 1INFO storage platform. This interim disclosu...
Banco di Desio e della Brianza reports July transactions in its own shares
Aug 4, 2026
Banco di Desio e della Brianza S.p.A., listed on the Italian MI MTA market under ISIN IT0001041000, is a long-established Italian commercial bank founded in 1909 and headquartered in Desio. The institution provides a range of banking services to r...
Banco di Desio e della Brianza Reports June Share Buyback Activity
Jul 2, 2026
Banco di Desio e della Brianza S.p.A., a long-established Italian retail and commercial bank based in Desio, has its ordinary shares traded on the MI MTA market under the ISIN IT0001041000. The bank serves domestic customers and businesses, levera...
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.