ScoreWhy is BFF Bank SpA ?
1
High Management Efficiency with a high ROA of 1.94%
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 19.60% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 19.60% signifying inadequate buffers against its risk based assets
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 8.22%
4
Flat results in Dec 19
- NO KEY NEGATIVE TRIGGERS
5
With ROA of 0.60%, it has a Fair valuation with a 2.45 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 4.43%, its profits have fallen by -51.7%
6
Underperformed the market in the last 1 year
- The stock has generated a return of 4.43% in the last 1 year, much lower than market (Italy FTSE MIB) returns of 25.83%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to BFF Bank SpA should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.27%
EBIT Growth (5y)
20.11%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
2.45
EV to EBIT
33.44
EV to EBITDA
30.59
EV to Capital Employed
1.28
EV to Sales
8.68
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
3.84%
ROE (Latest)
15.66%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial TrendNot enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for BFF Bank SpA
Depreciation
At EUR 2.66 MM has Grown at 10.79%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (EUR MM)
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