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Bank "Saint-Petersburg" Public Joint-Stock Company (BSPB.ME)

RUB242.78 -8.66 (-3.44%)
RU MCX Financial Services Banks - Regional
Address 64A Malookhtinsky Prospect 195112
Saint Petersburg, RU
CEO Pavel Vladimirovich Filimonenok
Website bspb.ru
IPO 2010-03-03
ISIN RU0009100945

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Description

Bank "Saint-Petersburg" is a comprehensive Russian financial institution delivering a broad spectrum of banking solutions to both individual and corporate clientele. Its Corporate Banking unit facilitates payment processing, corporate financing, and offers specialized support for small and medium-sized enterprises, including cash management, business cards, merchant acquiring, and payroll services. This division also handles documentary transactions, international trade finance, and develops tailored solutions for import-export businesses. For retail clients, the bank provides savings accounts, payment and transfer capabilities, programs for the self-employed, as well as mortgage and consumer loans, along with bank card issuance and resident identification card services. The Private Banking segment caters to affluent individuals and their families with bespoke financial and non-financial offerings. Through its Digital Banking arm, the bank offers various payment systems, online banking access for both personal and business accounts via its i.bspb.ru platform, and dedicated mobile applications. As of January 1, 2022, its extensive physical presence included three branches in Russia's North-West region, a branch in Moscow, another in Novosibirsk, 53 additional and operational offices, and two representative offices located in Rostov-on-Don and Krasnodar, complemented by 789 ATMs and payment kiosks. The bank was established in 1990 and maintains its headquarters in Saint Petersburg, Russia.

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
RUB242.78 -8.66 (-3.44%)
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Volume Profile
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Liquidity & share structure
Average Volume
3M
Beta
0.51
Float Shares
120.06M
Free Float %
27.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.33% -2.98% -9.89% -10.51% -8.74% -1.53% -19.35% +82.56% +307.28% +465.62% +201.07%
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
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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
242.78
DCF (Unlevered) 922.84 +280.1%
DCF (Levered) 604.55 +149.0%

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 2024-06 Change
Strong Buy 0 -2
Buy 0 -4
Hold 0 -1
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.22
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
A+
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +25.3% Q1'26: -9.4% (vs Q1'25)
  • EPS growth
    -25.5% Q1'26: -28.9% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +28.5% (vs Q1'25)
  • ROIC
    Q1'26: +63.1% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: -1.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.08× (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 = 95% × Ke + 5% × Kd (1,863.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 922.84 Current price: 242.78
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

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

Consensus Estimates
Metric Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Revenue
75.63B
est: 46.90B (+61.3%)
178.02B
est: 50.70B (+251.1%)
222.97B
est: 54.50B (+309.1%)
EBITDA
152.18B
est: 42.52B (+257.9%)
65.57B
est: 30.39B (+115.8%)
54.99B
est: 32.67B (+68.3%)
EBIT
149.82B
est: 11.83B (+1,166.4%)
62.72B
est: 29.69B (+111.2%)
51.73B
est: 31.91B (+62.1%)
Net Income
47.32B
est: 13.59B (+248.2%)
50.78B
est: 16.41B (+209.5%)
37.85B
est: 17.92B (+111.2%)
SGA
3.16B
est: 29.82B (-89.4%)
3.06B
est: 21.65B (-85.9%)
3.56B
est: 12.47B (-71.4%)
EPS
105.70
est: 31.13 (+239.5%)
113.88
est: 36.80 (+209.5%)
84.87
est: 40.20 (+111.1%)
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-30 A+ 4/5 5/5 4/5 4/5 3/5 4/5 4/5
2026-05-29 A+ 4/5 5/5 4/5 4/5 3/5 4/5 4/5
2026-05-28 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-27 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-26 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-25 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-24 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-23 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-22 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-21 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-20 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-19 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-18 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-17 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-16 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-15 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-05-14 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-05-13 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-12 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-11 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-05-08 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-05-07 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-05-06 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-05-05 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-05-04 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-05-03 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-05-02 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-30 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-29 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-28 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-27 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-26 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-25 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-04-24 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-04-23 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-04-22 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-04-21 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-04-20 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-04-19 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-04-18 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-04-17 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-04-16 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
19.23B
OE per share TTM
43.15
Owner's Yield
14.25%
Maintenance CapEx ratio
94.14%
Maint CapEx / Avg PPE
17.8%

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

This company is not held by any ETF 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
12.65M
Shares Outstanding
439.42M

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
Alexander Vasilyevich Savelyev Chairman of the Management Board & Member of the Supervisory Board male
Alexey Aleksandrovich Teploukhov Deputy Chairman of the Management Board male
Kirill Sergeevich Kuznetsov Senior Vice President, Head of Moscow Branch & Deputy Chairman of the Management Board male
Konstantin Yuryevich Balandin Deputy Chairman of the Management Board male
Kristina Borisovna Mironova First Deputy Chairman of the Management Board female
Natalya Gennadievna Tomilina Chief Accountant
Pavel Vladimirovich Filimonenok Chief Executive Officer & First Deputy Chairman of the Management Board male
Ruslan Vasilev Head of IR male
Stanislav Nikolaevich Filatov Vice President & Chief Financial Officer male
Vyacheslav Yakovlevich Ermolin Deputy Chairman of the Management Board male
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