Banco di Desio e Della Brianza SPA (BDB) AI Stock Analysis

Banco di Desio e Della Brianza SPA

(Milan:BDB)

Select Model

Rating:58Neutral

Price Target:EUR 16.00▲(3.90% Upside)

Action:downgraded

Date:10/30/26

The score is primarily constrained by weak and deteriorating cash generation, revenue and earnings declines, and unfavorable near-term technical momentum. A solid balance sheet, healthy profitability, moderate valuation, and dividend yield provide meaningful support but do not fully offset the financial and technical risks.

Positive Factors

Solid profitabilityStrong margins provide a meaningful earnings buffer for a regional bank and indicate that the existing franchise is converting revenue into profit effectively. If maintained, this profitability can support capital formation and investment, although it does not remove the need to restore growth.

Negative Factors

Sharp revenue contractionThe 2025 revenue decline and lower profit versus the 2023 peak show that earnings momentum has weakened materially. Unless revenue stabilizes, reduced operating scale could limit capital generation and make the bank’s otherwise strong margins less durable over the next several quarters.

Banco di Desio e Della Brianza SPA (BDB) vs. iShares MSCI Italy ETF (EWI)

Market Cap: EUR 2.02B
Dividend Yield: 3.31%
Average Volume (3M): 155.46K
Price to Earnings (P/E): 15.4
Beta (1Y): 1.04
Revenue Growth: 1.80%
EPS Growth: 13.22%
Country: Italy
Employees: 2,491
Sector: General
Sector Strength: 55
Industry: Banks - Regional

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; insu...

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 mediu...

Banco di Desio e Della Brianza SPA Financial Statement Overview

Summary

The financial profile is mixed: a solid capital base, growing equity, and healthy profitability are offset by sharply lower revenue and earnings and persistently negative operating and free cash flow. The component score is the average of the income statement, balance sheet, and cash flow scores.

Income Statement

68Positive

Balance Sheet

72Positive

Cash Flow

38Negative

Financial statement breakdown
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	222.23M	220.10M	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	-256.44M	-576.34M	705.57M	814.51M	-30.82M
Operating Cash Flow	0	-243.35M	-562.78M	747.13M	822.33M	-25.20M
Investing Cash Flow	0	-13.01M	-35.22M	51.75M	-11.98M	-5.59M
Financing Cash Flow	0	-74.80M	-41.02M	-26.46M	-18.34M	-8.36M

Banco di Desio e Della Brianza SPA Technical Analysis

Technical Analysis SentimentNegative

Last Price15.40

Price Trends

50DMA17.05Negative

100DMA16.02Negative

200DMA12.33Positive

Market Momentum

MACD-0.51Positive

RSI37.26Neutral

STOCH45.48Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:BDB, the sentiment is Negative. The current price of 15.40 is below the 20-day moving average (MA) of 16.12, below the 50-day MA of 17.05, and above the 200-day MA of 12.33, indicating a neutral trend. The MACD of -0.51 indicates Positive momentum. The RSI at 37.26 is Neutral, neither overbought nor oversold. The STOCH value of 45.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IT:BDB.

Banco di Desio e Della Brianza SPA Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IT:BDB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IT:CE	79Outperform	EUR 6.69B	11.86	12.18%	3.81%	-1.80%	-15.66%
IT:BAMI	78Outperform	EUR 20.62B	7.22	14.34%	7.33%	-4.14%	-19.23%
IT:BPE	76Outperform	EUR 27.32B	11.92	13.80%	5.09%	15.23%	1.44%
IT:IF	71Outperform	EUR 603.62M	2.63	11.48%	21.18%	67.89%	44.85%
IT:BDB	58Neutral	EUR 2.02B	15.40	8.89%	3.31%	1.80%	13.22%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

IT:BDB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IT:BDB	Banco di Desio e Della Brianza SPA (0O5V)	15.40	7.86	104.30%
IT:IF	Banca Ifis SPA	10.01	-10.62	-51.49%
IT:BAMI	Banco BPM S.p.A.	13.64	1.96	16.76%
IT:BPE	BPER Banca S.p.A.	12.99	3.12	31.60%
IT:CE	Credito Emiliano SPA Credem	19.68	6.53	49.61%

Banco di Desio e Della Brianza SPA Corporate Events

Banco Desio Enters Exclusive Talks to Acquire Majority Stake in Cassa di Risparmio di Orvieto

Oct 13, 2026

Banco di Desio e della Brianza S.p.A. has secured an exclusive period to negotiate the potential acquisition of an 85.32% stake in Cassa di Risparmio di Orvieto S.p.A. from Mediocredito Centrale. The move underscores the bank’s strategy to deep...

Banco di Desio e della Brianza Reports September Share Purchases

Oct 5, 2026

Banco di Desio e della Brianza has reported a series of transactions in its own shares during September 2026 on the Italian market. Over multiple trading days on the MTA, the bank executed several purchase operations, acquiring tranches of shares at...

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 of...

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 ISIN I...

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 disclosure...

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 reta...

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.

Date of analysis: Oct 30, 2026

Banco di Desio e Della Brianza SPA AI Stock Analysis