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Overview
Profile

Banca Piccolo Credito Valtellinese SpA Company

CVAL.MI
IT0005412025
A2P5MP

Price

12.26 EUR
Today +/-
+0 EUR
Today %
+0 %
P

Banca Piccolo Credito Valtellinese SpA stock price

EUR
%
Weekly
Details

Price

Overview

The Quote Chart provides detailed and dynamic insights into the Banca Piccolo Credito Valtellinese SpA stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Banca Piccolo Credito Valtellinese SpA stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Banca Piccolo Credito Valtellinese SpA stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Banca Piccolo Credito Valtellinese SpA's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Banca Piccolo Credito Valtellinese SpA Stock Price History

DateBanca Piccolo Credito Valtellinese SpA Price
6/14/202212.26 EUR
6/13/202212.26 EUR

Banca Piccolo Credito Valtellinese SpA Revenue, EBIT, Net Income

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Revenue
Net Income
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Revenue, EBIT and Profit

Understanding Revenue, EBIT, and Income

Gain insights into Banca Piccolo Credito Valtellinese SpA, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Banca Piccolo Credito Valtellinese SpA from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Banca Piccolo Credito Valtellinese SpA’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Banca Piccolo Credito Valtellinese SpA. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Banca Piccolo Credito Valtellinese SpA’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Banca Piccolo Credito Valtellinese SpA’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Banca Piccolo Credito Valtellinese SpA’s growth potential.

Banca Piccolo Credito Valtellinese SpA Revenue, EBIT and net profit per share

DateBanca Piccolo Credito Valtellinese SpA RevenueBanca Piccolo Credito Valtellinese SpA Net Income
2025e655.13 M EUR140.3 M EUR
2024e646.52 M EUR70.15 M EUR
2023e638.99 M EUR70.15 M EUR
2022e631.36 M EUR70.15 M EUR
2021e631.78 M EUR70.15 M EUR
2020743.6 M EUR113.2 M EUR
2019773.51 M EUR56.24 M EUR
2018825.59 M EUR31.72 M EUR
2017979.67 M EUR-331.85 M EUR
20161.01 B EUR-333.1 M EUR
20151.37 B EUR118.28 M EUR
20141.27 B EUR-325.1 M EUR
20131.35 B EUR11.7 M EUR
20121.43 B EUR-322.4 M EUR
20111.34 B EUR54 M EUR
20101.17 B EUR69.3 M EUR
20091.23 B EUR76.1 M EUR
20081.39 B EUR100.6 M EUR
20071.13 B EUR85.8 M EUR
2006894.7 M EUR68.6 M EUR
2005749.1 M EUR55.5 M EUR
2004712.7 M EUR23.9 M EUR
2003658 M EUR15.8 M EUR
2002684.5 M EUR14.8 M EUR
2001663.8 M EUR21.2 M EUR

Banca Piccolo Credito Valtellinese SpA Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B EUR)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M EUR)EBIT (M EUR)EBIT MARGIN (%)NET INCOME (M EUR)NET INCOME GROWTH (%)SHARES (M)DOCUMENTS
19961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021e2022e2023e2024e2025e
0.630.480.520.50.570.660.680.660.710.750.891.131.391.231.171.341.431.351.271.371.010.980.830.770.740.630.630.640.650.66
--23.577.29-2.9114.8015.513.17-3.808.215.2019.3625.8423.73-11.57-5.0414.976.62-6.14-5.357.23-26.15-2.88-15.73-6.30-3.88-15.07-1.111.251.39
------------------------------
000000000000000000000000000000
000000000000000000000000000000
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91114212021141523556885100766954-32211-325118-333-331315611370707070140
-22.2227.2750.00-4.765.00-33.337.1453.33139.1323.6425.0017.65-24.00-9.21-21.74-696.30-103.42-3,054.55-136.31-382.20-0.60-109.3780.65101.79-38.05---100.00
48.951.451.451.456.559.961.565.278.993.8106.2151.5186.5243.1440361356.8462.5555.47.717.717.7170.1570.1570.1500000
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Details

Keystats

Revenue and Growth

The Banca Piccolo Credito Valtellinese SpA Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Banca Piccolo Credito Valtellinese SpA is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M EUR)RECEIVABLES (M EUR)OTHER REC. (M EUR)INVENTORIES (M EUR)OTHER CURRENT LIAB. (M EUR)CURRENT ASSETS (M EUR)TANGIBLE ASSETS (M EUR)LONG-T. INVEST. (M EUR)LONG-T. REC. (M EUR)INTANGIBLE ASSETS (M EUR)GOODWILL (M EUR)OTHER NON-CURRENT ASSETS (M EUR)NON-CURRENT ASSETS (B EUR)TOTAL ASSETS (B EUR)LIABILITIESCOMMON STOCK (B EUR)ADDITIONAL PAID-IN CAPITAL (M EUR)RETAINED EARNINGS (M EUR)OTHER EQUITY (M EUR)UNREAL. GAINS/LOSSES (M EUR)EQUITY (B EUR)LIABILITIES (M EUR)PROVISIONS (M EUR)OTHER SHORT-TERM LIAB. (M EUR)SHORT-TERM DEBTS (M EUR)LONG-TERM DEBT PORTION (M EUR)SHORT-TERM REC. (M EUR)LONG-T. LIAB. (B EUR)DEFERRED TAXES (M EUR)OTHER LIAB. (B EUR)LONG-T. LIABILITIES (B EUR)DEBT (B EUR)TOTAL CAPITAL (B EUR)
1996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020
                                                 
0000000000000000000000000
0000000000000000000000000
0000000000000000000000000
0000000000000000000000000
0000000000000000000000000
0000000000000000000000000
374115155170173216244245290467465393460462477471474458454454.24438.23395.25432.57576.07523.47
1091314326462681291511672022132432302192421812019.469.5624.3720.2719.0720.57
0000000000000000000000000
6681015252221204654158615449513816.6815.2114.2115.0719.718.3
353191635994119107117103103102687688712609305305172101.9630.3930.39000
0000000006646546792119419518495658615.3694.33599.6755.66789.7674.4
0.430.160.270.260.280.40.450.440.560.790.790.761.471.541.61.771.591.491.521.21.191.061.221.41.24
0.430.160.270.260.280.40.450.440.560.790.790.761.471.541.61.771.591.491.521.21.191.061.221.41.24
                                                 
0.10.110.140.130.140.150.150.160.20.240.270.560.650.730.830.951.521.531.851.851.851.851.921.921.64
829011112314015716817921427332373980983984682255525835139390638.67638.670
737384888572605362130162204201115111112-197140-194242.02-98.89-392.48-955.55-893.46123.75
000000000110019819819819800000000
00000000011612473424726-211-89-171655.61-33.4-12.15-33.56-5.627.26
0.260.280.340.340.370.380.380.40.470.760.881.581.711.932.011.871.981.912.022.181.751.441.571.661.77
0000000000000000000000000
6653697380112938192565553626163586400000000
00000000093841151119797110113114764.897.992.181.966.770
0000000000000000000000000
0000000000000000000000000
6653697380112938192149139168173158160168177114764.897.992.181.966.770
0.140.140.150.240.280.260.230.320.25000000004.675.194.083.072.791.551.260.96
00000000018471522252610699.180.720.183.713.151.55
0.260.30.410.440.430.590.530.660.520.50.620.690.950.770.720.821.061.011.120.950.930.730.860.810.69
0.40.440.560.680.710.860.760.980.770.520.630.70.970.790.750.851.075.696.325.044.013.522.412.071.65
0.460.490.630.750.790.970.851.060.870.670.770.871.140.950.911.011.255.816.45.044.023.522.412.081.65
0.720.770.971.091.161.351.231.451.341.421.652.452.852.872.912.883.237.728.427.235.774.973.983.743.43
Details

Balance Sheet

Understanding the Balance Sheet

The balance sheet of Banca Piccolo Credito Valtellinese SpA provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Banca Piccolo Credito Valtellinese SpA's financial health and stability.

Assets

Banca Piccolo Credito Valtellinese SpA's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Banca Piccolo Credito Valtellinese SpA must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Banca Piccolo Credito Valtellinese SpA after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Banca Piccolo Credito Valtellinese SpA's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M EUR)DEPRECIATION (M EUR)DEFERRED TAXES (M EUR)CHANGES IN WORKING CAPITAL (M EUR)NON-CASH ITEM (M EUR)PAID INTEREST (M EUR)PAID TAXES (M EUR)NET CASH FLOW FROM OPERATING ACTIVITIES (M EUR)CAPITAL EXPENDITURES (M EUR)CASH FLOW FROM INVESTING ACTIVITIES (M EUR)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M EUR)INTEREST INCOME AND EXPENSES (M EUR)NET DEBT CHANGE (B EUR)NET CHANGE IN EQUITY (M EUR)CASH FLOW FROM FINANCING ACTIVITIES (M EUR)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M EUR)TOTAL DIVIDENDS PAID (M EUR)NET CHANGE IN CASH FLOW (M EUR)FREE CASH FLOW (M EUR)SHARE-BASED COMPENSATION (M EUR)
200020012002200320042005200620072008200920102011201220132014201520162017201820192020
000000000000000000000
000000000000000000000
000000000000000000000
777844167125-200-185-881179-473-49-209-588-762-962-1,054-503-670-1,319-590-562
000000000000000000000
000000000000000000000
000-41-34-57-137-100-145-84-68-171-164-142-159-63-61-28-18-35-36
777844125913838-522586-77379162-205-206-394-3994711-666-1-53
-28-53-53-28-72-87-73-22-393-47-36-23-24-27-27-21-21-22-18-25-19
-667-650-521-1,098-1,098-82-72-42-710-169-432-209189362-20384-121956-736
-639-596-468-1,070-1,02651-19-316-121-395-1862133907405842751755
000000000000000000000
0.620.460.620.751.070000000000000000
21912207986866502361051009710422000065800
6115845329399765244588163234554061-179403-3-39-461100
-13129-76192-1460000197000-2000000-4100
-15-17-18-20-21-34-41-61-72-69-45-56-43-1-2-3-39-4-400
211155-33-31306371483592468500537593676716699607737674614528
000000000000000000000
000000000000000000000

Banca Piccolo Credito Valtellinese SpA stock margins

The Banca Piccolo Credito Valtellinese SpA margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Banca Piccolo Credito Valtellinese SpA. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Banca Piccolo Credito Valtellinese SpA.
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Profit margin
Details

Margin

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Banca Piccolo Credito Valtellinese SpA's sales revenue. A higher gross margin percentage indicates that the Banca Piccolo Credito Valtellinese SpA retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Banca Piccolo Credito Valtellinese SpA's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Banca Piccolo Credito Valtellinese SpA's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Banca Piccolo Credito Valtellinese SpA's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Banca Piccolo Credito Valtellinese SpA. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Banca Piccolo Credito Valtellinese SpA's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Banca Piccolo Credito Valtellinese SpA Margin History

DateBanca Piccolo Credito Valtellinese SpA Profit margin
2025e21.42 %
2024e10.85 %
2023e10.98 %
2022e11.11 %
2021e11.1 %
202015.22 %
20197.27 %
20183.84 %
2017-33.87 %
2016-33.02 %
20158.66 %
2014-25.52 %
20130.87 %
2012-22.5 %
20114.02 %
20105.93 %
20096.18 %
20087.22 %
20077.62 %
20067.67 %
20057.41 %
20043.35 %
20032.4 %
20022.16 %
20013.19 %

Banca Piccolo Credito Valtellinese SpA Stock Sales Revenue, EBIT, Earnings per Share

The Banca Piccolo Credito Valtellinese SpA earnings per share therefore indicates how much revenue Banca Piccolo Credito Valtellinese SpA has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Sales per Share
Earnings per Share
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Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Banca Piccolo Credito Valtellinese SpA earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Banca Piccolo Credito Valtellinese SpA's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Banca Piccolo Credito Valtellinese SpA’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Banca Piccolo Credito Valtellinese SpA's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Banca Piccolo Credito Valtellinese SpA Revenue, EBIT and net profit per share

DateBanca Piccolo Credito Valtellinese SpA Sales per ShareBanca Piccolo Credito Valtellinese SpA Earnings per Share
2025e9.34 EUR2 EUR
2024e9.22 EUR1 EUR
2023e9.11 EUR1 EUR
2022e9 EUR1 EUR
2021e9.01 EUR1 EUR
202010.6 EUR1.61 EUR
201911.03 EUR0.8 EUR
201811.77 EUR0.45 EUR
2017127.05 EUR-43.04 EUR
2016130.82 EUR-43.2 EUR
2015177.05 EUR15.34 EUR
20142.29 EUR-0.59 EUR
20132.91 EUR0.03 EUR
20124.02 EUR-0.9 EUR
20113.72 EUR0.15 EUR
20102.66 EUR0.16 EUR
20095.07 EUR0.31 EUR
20087.47 EUR0.54 EUR
20077.43 EUR0.57 EUR
20068.42 EUR0.65 EUR
20057.99 EUR0.59 EUR
20049.03 EUR0.3 EUR
200310.09 EUR0.24 EUR
200211.13 EUR0.24 EUR
200111.08 EUR0.35 EUR

Banca Piccolo Credito Valtellinese SpA business model

The Banca Piccolo Credito Valtellinese SpA is an Italian bank based in Sondrio. It was founded in 1908 and has become an important player in the Italian banking sector over the years. The bank's business model focuses on offering a wide range of financial products and services to its customers while also concentrating on specific successful business areas. The Banca Piccolo Credito Valtellinese SpA is divided into various business areas such as retail banking, corporate banking, asset management, and investment banking. In retail banking, the bank offers various products and services to its customers, including current accounts, credit cards, online banking, and retirement products. In corporate banking, the bank mainly provides financing and consulting services. Another successful business area of the Banca Piccolo Credito Valtellinese SpA is asset management. The bank works closely with its customers to provide them with individual asset management solutions tailored to their specific needs. This business area also includes private banking, where affluent customers receive personalized advice and support. Furthermore, the Banca Piccolo Credito Valtellinese SpA is also involved in investment banking. The bank offers a wide range of services in this area, such as providing capital market and financing advice to companies and institutional customers, asset management for pension funds and hedge funds, and trading in securities and derivatives. The bank also offers customized financing products for small and medium-sized enterprises. These include working capital loans, investment loans, and export financing, among others. Additionally, the bank also provides various types of mortgage loans, such as refinancing or forward loans for home purchases. Overall, the Banca Piccolo Credito Valtellinese SpA has established itself as a secure and reliable bank in Italy over the years. The bank has managed to develop a strong business model focused on different business areas to meet the needs of its customers. The bank will continue to strive to maintain its position as an important player in the Italian banking sector and continuously improve its products and services to satisfy its customers. Banca Piccolo Credito Valtellinese SpA is one of the most popular companies on Eulerpool.com.

Banca Piccolo Credito Valtellinese SpA SWOT Analysis

Strengths

Banca Piccolo Credito Valtellinese SpA has built a strong reputation in the banking sector, establishing trust and credibility among its customers.

The bank has an extensive branch network, allowing for convenient access to its services for a large customer base.

Banca Piccolo Credito Valtellinese SpA offers a diverse range of financial products and services, catering to both individual and corporate clients.

Weaknesses

The bank has faced challenges in adapting to the digital banking era, lagging behind competitors in terms of online banking platforms and technology.

Banca Piccolo Credito Valtellinese SpA may have limited financial resources compared to larger banking institutions, limiting its capacity for expansion and innovation.

The bank's brand recognition may be relatively lower compared to larger national or international banks, making it harder to attract new customers.

Opportunities

The increasing digitization of banking services presents an opportunity for Banca Piccolo Credito Valtellinese SpA to invest in upgrading its technology and online platforms, improving customer experience and competitive advantage.

Expansion into new markets or geographical areas could help the bank tap into new customer segments and diversify its revenue streams.

Collaboration with fintech companies or strategic partnerships with other financial institutions can enable Banca Piccolo Credito Valtellinese SpA to leverage new technologies and expand its range of services.

Threats

Intense competition from larger banks and international financial institutions could pose a threat to Banca Piccolo Credito Valtellinese SpA's market share and customer base.

Economic downturns or financial crises may impact the bank's profitability and increase the risk of loan defaults from customers.

Changing regulations in the banking industry could require significant investments in compliance and risk management measures, potentially straining the bank's resources.

Banca Piccolo Credito Valtellinese SpA Eulerpool Fair Value

Details

Fair Value

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Banca Piccolo Credito Valtellinese SpA historical P/E ratio, EBIT multiple, and P/S ratio

Banca Piccolo Credito Valtellinese SpA shares outstanding

The number of shares was Banca Piccolo Credito Valtellinese SpA in 2023 — This indicates how many shares 70.15 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Banca Piccolo Credito Valtellinese SpA earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Banca Piccolo Credito Valtellinese SpA's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Banca Piccolo Credito Valtellinese SpA’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Banca Piccolo Credito Valtellinese SpA's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Banca Piccolo Credito Valtellinese SpA stock splits

In Banca Piccolo Credito Valtellinese SpA's history, there have been no stock splits.

Banca Piccolo Credito Valtellinese SpA dividend history and estimates

In 2023, Banca Piccolo Credito Valtellinese SpA paid a dividend amounting to 78.33 EUR. Dividend means that Banca Piccolo Credito Valtellinese SpA distributes a portion of its profits to its owners.
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Dividend

Dividend Overview

The dividend per year chart for Banca Piccolo Credito Valtellinese SpA provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Banca Piccolo Credito Valtellinese SpA’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Banca Piccolo Credito Valtellinese SpA's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Banca Piccolo Credito Valtellinese SpA Dividend History

DateBanca Piccolo Credito Valtellinese SpA Dividend
2025e156.67 EUR
2024e78.33 EUR
2023e78.33 EUR
2022e78.34 EUR
2021e78.32 EUR
20164.31 EUR
20124.97 EUR
201111.93 EUR
201011.93 EUR
200924.85 EUR
200833.79 EUR
200734.16 EUR
200634.16 EUR
200534.16 EUR
200434.16 EUR
200331.08 EUR
200228.09 EUR
200154,385 EUR

Banca Piccolo Credito Valtellinese SpA dividend payout ratio

In 2023, Banca Piccolo Credito Valtellinese SpA had a payout ratio of 7,832.62%. The payout ratio indicates the percentage of the company's profits that Banca Piccolo Credito Valtellinese SpA distributes as dividends.
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Payout ratio

What is Yearly Payout Ratio?

The yearly payout ratio for Banca Piccolo Credito Valtellinese SpA represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Banca Piccolo Credito Valtellinese SpA could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Banca Piccolo Credito Valtellinese SpA's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Banca Piccolo Credito Valtellinese SpA Payout Ratio History

DateBanca Piccolo Credito Valtellinese SpA Payout ratio
2025e7,833.34 %
2024e7,833.12 %
2023e7,832.62 %
2022e7,834.27 %
2021e7,832.47 %
20207,831.13 %
20197,839.22 %
20187,827.07 %
20177,827.09 %
2016-9.99 %
20157,863.49 %
20147,790.61 %
20137,827.18 %
2012-549.93 %
20117,972.67 %
20107,571.99 %
20097,936.88 %
20086,264.25 %
20076,031.13 %
20065,287.79 %
20055,772.76 %
200411,275.93 %
200312,824.24 %
200211,670.86 %
200115.37 M %
Unfortunately, there are currently no price targets and forecasts available for Banca Piccolo Credito Valtellinese SpA.

Most common questions regarding Banca Piccolo Credito Valtellinese SpA

What values and corporate philosophy does Banca Piccolo Credito Valtellinese SpA represent?

Banca Piccolo Credito Valtellinese SpA represents a strong set of values and corporate philosophy. With a focus on integrity, trustworthiness, and a commitment to excellence, the company aims to provide innovative financial solutions and exceptional customer service. Banca Piccolo Credito Valtellinese SpA believes in fostering long-term relationships with its clients, shareholders, and employees based on transparency and reliability. By prioritizing ethical conduct and responsible banking practices, the company strives to contribute to the growth and development of the communities it serves. Banca Piccolo Credito Valtellinese SpA's dedication to maintaining high standards and building a sustainable future sets it apart in the banking industry.

In which countries and regions is Banca Piccolo Credito Valtellinese SpA primarily present?

Banca Piccolo Credito Valtellinese SpA is primarily present in Italy.

What significant milestones has the company Banca Piccolo Credito Valtellinese SpA achieved?

Banca Piccolo Credito Valtellinese SpA has achieved significant milestones in its history. Some noteworthy accomplishments include expanding its presence and customer base, strengthening its financial position, and improving operational efficiency. The company has successfully implemented strategic initiatives to enhance its offerings, such as introducing innovative banking solutions and diversifying its products and services. Additionally, Banca Piccolo Credito Valtellinese SpA has demonstrated resilience through challenging economic periods and has consistently worked towards delivering value to its shareholders. With its commitment to excellence and continuous growth, the company has established itself as a reputable player in the banking industry.

What is the history and background of the company Banca Piccolo Credito Valtellinese SpA?

Banca Piccolo Credito Valtellinese SpA, commonly known as Banca di Piacenza, was founded in 1906 and is headquartered in Sondrio, Italy. The bank operates as a subsidiary of Credito Valtellinese Group, a leading Italian banking group. Banca Piccolo Credito Valtellinese SpA specializes in providing a wide range of banking and financial services to individuals, small and medium-sized enterprises (SMEs), and corporate clients. With a rich history of over a century, the company has expanded its branch network and diversified its product offerings to meet the evolving needs of its customers. As a reputable financial institution, Banca Piccolo Credito Valtellinese SpA continues to play a significant role in the Italian banking sector.

Who are the main competitors of Banca Piccolo Credito Valtellinese SpA in the market?

The main competitors of Banca Piccolo Credito Valtellinese SpA in the market include various Italian banks such as UniCredit, Intesa Sanpaolo, and Mediobanca. These banks compete with Banca Piccolo Credito Valtellinese SpA in terms of market share, customer base, and financial services offered. However, Banca Piccolo Credito Valtellinese SpA distinguishes itself through its strong regional presence, specialized services, and customer-centric approach. As a leading player in the Italian banking industry, Banca Piccolo Credito Valtellinese SpA constantly adapts and innovates to stay competitive in a dynamic market environment.

In which industries is Banca Piccolo Credito Valtellinese SpA primarily active?

Banca Piccolo Credito Valtellinese SpA is primarily active in the banking industry.

What is the business model of Banca Piccolo Credito Valtellinese SpA?

The business model of Banca Piccolo Credito Valtellinese SpA centers around providing comprehensive banking services to its customers. As a retail and commercial bank, Banca Piccolo Credito Valtellinese SpA offers various financial products and services, including deposit accounts, loans, mortgages, credit cards, insurance, and investment opportunities. The bank establishes relationships with individuals, businesses, and institutions, aiming to meet their financial needs efficiently and effectively. Banca Piccolo Credito Valtellinese SpA strives to foster long-term customer relationships while generating sustainable profitability through prudent risk management and ensuring regulatory compliance. This approach enables the bank to support economic growth and contribute positively to its stakeholders, thus solidifying its position in the financial industry.

What is the P/E ratio of Banca Piccolo Credito Valtellinese SpA 2024?

The Banca Piccolo Credito Valtellinese SpA P/E ratio is 12.26.

What is the P/S ratio of Banca Piccolo Credito Valtellinese SpA 2024?

The Banca Piccolo Credito Valtellinese SpA P/S ratio is 1.33.

What is the Quality Investing of Banca Piccolo Credito Valtellinese SpA?

The Quality Investing for Banca Piccolo Credito Valtellinese SpA is 2/10.

What is the revenue of Banca Piccolo Credito Valtellinese SpA 2024?

The expected Banca Piccolo Credito Valtellinese SpA revenue is 646.52 M EUR.

How high is the profit of Banca Piccolo Credito Valtellinese SpA 2024?

The expected Banca Piccolo Credito Valtellinese SpA profit is 70.15 M EUR.

What is the business model of Banca Piccolo Credito Valtellinese SpA

Banca Piccolo Credito Valtellinese SpA, also known as Banca di Sondrio, is an Italian banking group that was founded in 1902 in Sondrio in the Lombardy region and operates nationwide today. The business model of Banca Piccolo Credito Valtellinese SpA is based on offering a wide range of financial products and services, including deposits, loans, insurance, payment services, and investment products, which are marketed to individuals, companies, and institutions throughout Italy. The bank divides its business activities into three main areas: retail banking, business banking, and private banking. Under retail banking, the bank offers traditional banking services to individual customers such as current accounts, savings accounts, debit and credit cards, and various payment methods. Particularly noteworthy is the mobile banking area, which allows customers to conveniently conduct their banking transactions on the go via a mobile app on their smartphone or tablet. Business banking includes services for small and medium-sized enterprises (SMEs), ranging from financing to payment solutions and risk management. Banca Piccolo Credito Valtellinese SpA offers SMEs loans, credit lines, lease financing, and equity financing to help them develop their businesses. Private banking is the area that targets wealthy private clients, offering them personalized financial services and holistic advice. The bank has a team of financial advisors who work closely with clients to develop tailored solutions to meet their needs and protect, manage, and grow their assets. The solutions offered also include investment funds, life insurance, and asset management services. In addition, Banca Piccolo Credito Valtellinese SpA also offers specialized products and services such as factoring, ship financing, and agricultural financing. The bank is also active in the payment services and e-commerce sector, offering solutions for real-time transfers, mobile payments, and online banking. Overall, Banca Piccolo Credito Valtellinese SpA has a wide range of financial products and services to meet the needs of different target groups. The bank places great emphasis on close collaboration with its customers and personalized advice. This is also reflected in its motto, which states that it is "not just a bank, but a partner" that takes care of its customers' needs.

What is the Banca Piccolo Credito Valtellinese SpA dividend?

Banca Piccolo Credito Valtellinese SpA pays a dividend of 0 EUR distributed over payouts per year.

How often does Banca Piccolo Credito Valtellinese SpA pay dividends?

The dividend cannot currently be calculated for Banca Piccolo Credito Valtellinese SpA or the company does not pay out a dividend.

What is the Banca Piccolo Credito Valtellinese SpA ISIN?

The ISIN of Banca Piccolo Credito Valtellinese SpA is IT0005412025.

What is the Banca Piccolo Credito Valtellinese SpA WKN?

The WKN of Banca Piccolo Credito Valtellinese SpA is A2P5MP.

What is the Banca Piccolo Credito Valtellinese SpA ticker?

The ticker of Banca Piccolo Credito Valtellinese SpA is CVAL.MI.

How much dividend does Banca Piccolo Credito Valtellinese SpA pay?

Over the past 12 months, Banca Piccolo Credito Valtellinese SpA paid a dividend of 4.31 EUR . This corresponds to a dividend yield of about 35.19 %. For the coming 12 months, Banca Piccolo Credito Valtellinese SpA is expected to pay a dividend of 156.67 EUR.

What is the dividend yield of Banca Piccolo Credito Valtellinese SpA?

The current dividend yield of Banca Piccolo Credito Valtellinese SpA is 35.19 %.

When does Banca Piccolo Credito Valtellinese SpA pay dividends?

Banca Piccolo Credito Valtellinese SpA pays a quarterly dividend. This is distributed in the months of May, June, June, May.

How secure is the dividend of Banca Piccolo Credito Valtellinese SpA?

Banca Piccolo Credito Valtellinese SpA paid dividends every year for the past 5 years.

What is the dividend of Banca Piccolo Credito Valtellinese SpA?

For the upcoming 12 months, dividends amounting to 156.67 EUR are expected. This corresponds to a dividend yield of 1,277.87 %.

In which sector is Banca Piccolo Credito Valtellinese SpA located?

Banca Piccolo Credito Valtellinese SpA is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Banca Piccolo Credito Valtellinese SpA kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Banca Piccolo Credito Valtellinese SpA from 4/28/2021 amounting to 0.23 EUR, you needed to have the stock in your portfolio before the ex-date on 4/26/2021.

When did Banca Piccolo Credito Valtellinese SpA pay the last dividend?

The last dividend was paid out on 4/28/2021.

What was the dividend of Banca Piccolo Credito Valtellinese SpA in the year 2023?

In the year 2023, Banca Piccolo Credito Valtellinese SpA distributed 78.343 EUR as dividends.

In which currency does Banca Piccolo Credito Valtellinese SpA pay out the dividend?

The dividends of Banca Piccolo Credito Valtellinese SpA are distributed in EUR.

All fundamentals about Banca Piccolo Credito Valtellinese SpA

Our stock analysis for Banca Piccolo Credito Valtellinese SpA Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Banca Piccolo Credito Valtellinese SpA Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.