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Banco di Desio e della Brianza S.p.A. (BDB.MI)

EUR14.90 -0.18 (-1.19%)
IT MIL Financial Services Banks - Regional
Address Via E. Rovagnati, 1 20832
Desio, MI, IT
CEO Alessandro Decio
IPO 1995-05-11
ISIN IT0001041000

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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; insurance and social security services; investments and saving products, insurance investment products, and funds and SICAVs; POS solutions; business partnerships services, such as corporate advisory and private debt, and energy self-sufficiency solutions; and financing products for the international market, risk coverage solutions, and international bank guarantees. In addition, the company offers asset management; DesioValue and titles; and internet banking services. The company was incorporated in 1909 and is headquartered in Desio, Italy. Banco di Desio e della Brianza S.p.A. is a subsidiary of Brianza Unione di Luigi Gavazzi e Stefano Lado S.A.p.A.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR14.90 -0.18 (-1.19%)
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Volume Profile
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Liquidity & share structure
Average Volume
119.5K
Beta
0.50
Float Shares
26.75M
Free Float %
20.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -3.62% -6.78% +0.35% +1.91% -9.06% +14.80% +155.39% +163.27% +258.40% +480.27%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
14.90
DCF (Unlevered) 40.33 +170.7%
DCF (Levered) 52.22 +250.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.15
Distress
Piotroski F-Score
2 / 9
Weak
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    -33.3% Q1'26: +5.0% (vs Q1'25)
  • EPS growth
    +3.2% Q1'26: +0.0% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +26.3% (vs Q1'25)
  • ROIC
    Q1'26: +3.0% (vs Q1'25)
  • Share dilution
    -1.4% Q1'26: +1.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 16.92× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.53) × ERP
WACC = 22% × Ke + 78% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 38.96 Current price: 14.90
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 B+ 3/5 5/5 3/5 3/5 1/5 3/5 4/5
2026-05-11 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-05-08 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-05-07 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-05-06 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-05-05 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-05-04 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-30 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-29 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-28 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-27 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-24 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-23 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-22 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-21 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-20 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-17 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-16 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
38.05M
OE per share TTM
0.28
Owner's Yield
3.35%
Maintenance CapEx ratio
18.30%
Maint CapEx / Avg PPE
36.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 29 ETFs in our universe

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
73.4K
Shares Outstanding
131.47M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Graziella Bologna Executive Director 664.5K male
Gerolamo Gavazzi Executive Director 664.5K male
Agostino Gavazzi Executive Director 664.5K male
Stefano Lado Chairman of the Board & President 255.1K male
Giorgio Besana Investor Relations Officer
Giorgio Federico Rossin Investor Relations male
Maurizio Inga Head of Internal Audit male
Mauro Walter Colombo Chief Financial Reporting Officer male
Riccardo Fiori Head of Internal Validation male
Stefano Vittorio Kuhn CEO & Director male
Alessandro Maria Decio GM & Director male
Daniela Bragante Head of Compliance & Anti-Money? Laundering female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits