ScoreWhy is Banco di Desio e della Brianza SpA ?
1
The Bank has a high Capital Adequacy Ratio of 218.48% signifying high buffers against its risk based assets
2
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0%
3
Negative results in Dec 16
- NET SALES(Q) Lowest at EUR 153.19 MM
- PRE-TAX PROFIT(Q) Fallen at -81.8%
- NET PROFIT(Q) Lowest at EUR 6.47 MM
4
With ROA of 0.63%, it has a Expensive valuation with a 0.73 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -1.74%, its profits have fallen by -6.4%
5
Underperformed the market in the last 1 year
- Even though the market (Italy FTSE MIB) has generated returns of 16.45% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -1.74% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Banco di Desio e della Brianza SpA should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Banco di Desio e della Brianza SpA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Banco di Desio e della Brianza SpA
-1.74%
7.80
35.86%
Italy FTSE MIB
16.45%
0.84
19.51%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.38%
EBIT Growth (5y)
13.26%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
48.79%
Pledged Shares
0
Institutional Holding
0.03%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.73
EV to EBIT
25.59
EV to EBITDA
22.19
EV to Capital Employed
0.91
EV to Sales
6.67
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
3.56%
ROE (Latest)
8.11%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Banco di Desio e della Brianza SpA
CASA
Highest at 11.04%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Banco di Desio e della Brianza SpA
Net Sales
Lowest at EUR 153.19 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (EUR MM)
Pre-Tax Profit
Fallen at -81.8%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (EUR MM)
Net Profit
Lowest at EUR 6.47 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (EUR MM)
Net Profit
Fallen at -69.18%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (EUR MM)
EPS
Lowest at EUR 0.03
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (EUR)
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