Banca Desio e Brianza BDB.MI
ItalyFinancial Services · Banks - RegionalBorsa Italiana · EUR
0.00 EUR (−100.0%)
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Banca Desio e Brianza is an Italian regional bank offering traditional banking services (loans, deposits, and wealth management) to retail clients and small businesses in the Lombardy region.
Listed on Borsa Italiana · Symbol BDB.MI · BIT: BDB · Currency EUR
Key points
from its scores- ✓Good share-price trend9.8
- ✓High-quality business8.7
- ✓Attractive dividend7.2
- ✕Fragile balance sheet4.0
- ✕Demanding valuation4.0
AI analysis
bottom line, main risk, context and newsQuality and momentum are good, but weak financial health and Italian governance risk limit the appeal.
BDB shows solid moat quality (operating margin of 40.94%) and earnings growth of 16.2%, but its financial health is weak (ROA of 0.70) and its valuation is not attractive (P/E 16.22, adjusted P/B 1.61). Momentum is very strong (146.71), but governance risk in Italy is a significant drag.
The main risk is weak governance in Italy, which can lead to political interference, limited minority protection, and decisions that do not prioritize shareholder value.
Context and risks
Italian regional bank with weak governance in a country with a history of political interference in the financial sector and limited minority protection. The ECB is raising rates, which widens the interest margin, but Italy's institutional risk is the dominant factor.
Is Banca Desio e Brianza stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades in line with the Financial Services median (within 15%).
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 16.2 | 13.7 | +18% |
| Price / book | 1.5 | 1.9 | −22% |
| Price / sales | 3.8 | 3.5 | +9% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 4.0 out of 10 (median for Financial Services: 5.2).
Average analyst target: 0.00 EUR, −100.0% versus the price.
Classic formulas with standard assumptions (5.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 16.2
- Price / book
- 1.5
- Price / sales
- 3.8
- PEG
- 1.00
- Market cap
- 2.2B EUR
- Enterprise value
- 7.6B EUR
Profitability
- ROE
- 9.0%
- ROA
- 0.7%
- ROIC (approx.)
- 3.3%
- Gross margin
- 0.0%
- Operating margin
- 40.9%
- Net margin
- 23.0%
Solvency
- Total debt
- 5.6B EUR
- Net debt
- 5.5B EUR
- Cash
- 143.5M EUR
Growth
- Revenue growth
- +7.9%
- Earnings growth
- +16.2%
- EPS (TTM)
- 1.02 EUR
Dividend
- Dividend yield
- 3.1%
- Payout
- 50.0%
Risk and market
- Beta
- 0.49
- Analyst consensus
- none (0)
- Target price
- 0.00 EUR
- 52-week range
- 7.30 – 19.30
Recent news
All BDB.MI news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Banca Desio e Brianza
Is Banca Desio e Brianza stock cheap or expensive?
On P/E and Price / book, it trades in line with the Financial Services median (within 15%). Valuation score: 4.0 out of 10 (median for Financial Services: 5.2). Average analyst target: 0.00 EUR, −100.0% versus the price. This is not investment advice.
What score does Banca Desio e Brianza get on MeridIAn Screener?
It scores 6.2 out of 10, rank 789 of 2,130 (better than 60% of the companies analysed). Its strongest category is Momentum (9.8) and its weakest, Financial health (4.0). Analysis of 08/10/2026.
What is Banca Desio e Brianza's P/E ratio?
Its P/E is 16.2: the share price equals 16.2 times earnings per share over the last 12 months. The Financial Services median is 13.7.
How much is Banca Desio e Brianza worth on the stock market?
Its market capitalisation is 2.2B EUR.
Does Banca Desio e Brianza pay a dividend?
Yes: its dividend yield is 3.08% and it pays out 50% of its earnings.
How has Banca Desio e Brianza stock performed over the last year?
It has risen 131.3% over the last year, excluding dividends. Over the last 52 weeks it has traded between 7.30 and 19.30 EUR. Past performance does not guarantee future results.