Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
24.73%
EBIT Growth (5y)
19.94%
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
Industry P/E
Price to Book Value
NA
EV to EBIT
21.10
EV to EBITDA
16.28
EV to Capital Employed
0.64
EV to Sales
4.37
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
3.02%
ROE (Latest)
16.75%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
OPERATING CASH FLOW(Y)
Highest at EUR 348.79 MM
-10What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 117.66%
NII(Q)
Lowest at EUR 138.2 MM
NET SALES(Q)
Lowest at EUR 220.99 MM
PRE-TAX PROFIT(Q)
Lowest at EUR 38.03 MM
NET PROFIT(Q)
Lowest at EUR 26.26 MM
EPS(Q)
Lowest at EUR 0.45
Here's what is working for Cassa di Risparmio di Bolzano SpA
Operating Cash Flow
Highest at EUR 348.79 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (EUR MM)
Depreciation
Highest at EUR 14.92 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (EUR MM)
Depreciation
At EUR 14.92 MM has Grown at 7.91%
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)
Here's what is not working for Cassa di Risparmio di Bolzano SpA
NII
Lowest at EUR 138.2 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (EUR MM)
Credit Deposit Ratio
Lowest at 117.66% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Net Sales
Lowest at EUR 220.99 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (EUR MM)
Net Sales
Fallen at -26.51%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (EUR MM)
Pre-Tax Profit
Lowest at EUR 38.03 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (EUR MM)
Pre-Tax Profit
Fallen at -55.41%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (EUR MM)
Net Profit
Lowest at EUR 26.26 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (EUR MM)
EPS
Lowest at EUR 0.45
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (EUR)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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