What is Banco di Desio e della Brianza S.p.A.'s (BDB.MI) StockRank?

MoatMap's StockRank for Banco di Desio e della Brianza S.p.A. (BDB.MI) is 66/100, with a Buy signal. This is a composite score combining Quality (32), Value (53), and Momentum (69) factor ranks across MoatMap's 20,000+ stock universe.

Does Banco di Desio e della Brianza S.p.A. have an economic moat?

Banco di Desio e della Brianza S.p.A. (BDB.MI) has a Quality factor score of 32/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Banco di Desio e della Brianza S.p.A. a buy, hold, or sell?

MoatMap's current signal for Banco di Desio e della Brianza S.p.A. (BDB.MI) is Buy, based on a StockRank of 66/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Banco di Desio e della Brianza S.p.A. in?

Banco di Desio e della Brianza S.p.A. (BDB.MI) operates in the Financial Services sector, specifically the Banks - Regional industry (Italy).

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BDB.MI

BUYREMOVE

Banco di Desio e della Brianza S.p.A. · Financial Services · Italy · $1.8B · Avg Vol: $2M/d

StockRank

P/E (TTM)

9.8x

ROE

8.6%

D/E

—

Dividend %

5.4%

Director Trades · 180d

None in 180d →

Subst. holders: +$631.5K

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Banco di Desio is a regional Italian bank. It lacks structural growth drivers and is highly sensitive to Eurozone macroeconomic volatility and interest rate cuts.

COMPANY DESCRIPTION

Banco di Desio e della Brianza S.p.A. is an independent regional commercial bank operating primarily in the wealthy regions of Lombardy and Piedmont in northern Italy. The bank's competitive moat is built on its deep-rooted local relationships, personalized customer service, and strong capital position. It operates as a traditional, relationship-focused regional bank catering to small-and-medium enterprises (SMEs) and retail clients.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	556.4M	569.5M	740.3M	737.6M	9.9%
EPS	0.70	2.05	1.08	1.11	16.7%
Shares	134.4M	134.4M	134.4M	131.5M	-2.1%
Debt	2.0B	3.2B	4.0B	4.8B	32.8%
Equity	1.3B	1.5B	1.7B	1.7B	9.9%
Op CF	940.3M	854.3M	-643.5M	-278.3M	-9.1%
Inv CF	-13.7M	59.2M	-40.3M	-14.9M	—
Fin CF	-21.0M	-30.3M	-46.9M	-85.5M	—

PRICE (1Y)+41.6%

SMA 50SMA 200

$14.41

RSI (14)

97.0

52W High

$14.57

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.7%*29.0

ROE

8.6%41.0

GP/Assets

3.0%34.4

Op. Margin

40.7%60.0

FCF/Assets

—N/A

Piotroski

214.3

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

9.8x70.4

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.8x76.5

P/S

2.2x70.7

Div Yield

5.4%72.1

Momentum

52W High %

99%87.9

RS 6M

26%93.2

SMA 50/200

1.13x83.6

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

2%32.5

FUNDAMENTALS

Market Cap

$1.8B

P/E (Forward)

—

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BDB.MI are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
BDB.MI	Banco di Desio e della Brianza S.p.A.(you)	$1.8B	66	BUY
IF.MI	Banca IFIS S.p.A.	$1.5B	35	HOLD
CE.MI	Credito Emiliano S.p.A.	$6.6B	53	HOLD
BGN.MI	Banca Generali S.p.A.	$8.6B	54	HOLD
BMED.MI	Banca Mediolanum S.p.A.	$18.8B	62	HOLD
BAMI.MI	Banco BPM S.p.A.	$27.1B	59	HOLD
BPE.MI	BPER Banca SpA	$33.1B	71	BUY
BMPS.MI	Banca Monte dei Paschi di Siena S.p.A.	$37.7B	73	BUY
MB.MI	Mediobanca Banca di Credito Finanziario S.p.A.	$24.1B	50	HOLD
FBK.MI	FinecoBank Banca Fineco S.p.A.	$16.1B	37	HOLD

Peer medians: ROE 13.7% · P/E 10.7x · Gross margin 0.0%

Banco di Desio e della Brianza S.p.A. (BDB.MI) — Stock Score Summary

Banco di Desio e della Brianza S.p.A. (BDB.MI) has a MoatMap StockRank of 66/100 based on Quality (32/100), Value (53/100), and Momentum (69/100) factor scores. The current signal is BUY. Banco di Desio is a regional Italian bank. It lacks structural growth drivers and is highly sensitive to Eurozone macroeconomic volatility and interest rate cuts.

Key Financial Metrics

Price	$14.41
Market Cap	$1.8B
P/E (TTM)	9.85
Price/Book	0.83
Return on Equity	8.6%
Gross Margin	0.0%
Operating Margin	40.7%
Revenue Growth	4.6%
Dividend Yield	5.4%

Banco di Desio e della Brianza S.p.A. operates in the Banks - Regional industry, part of the Financial Services sector (Italy).

Frequently Asked Questions

What is Banco di Desio e della Brianza S.p.A.’s (BDB.MI) StockRank?: MoatMap’s StockRank for Banco di Desio e della Brianza S.p.A. (BDB.MI) is 66/100, with a Buy signal. It is a composite of Quality (32), Value (53), and Momentum (69) factor ranks across MoatMap’s 20,000+ stock universe.
Does Banco di Desio e della Brianza S.p.A. have an economic moat?: Banco di Desio e della Brianza S.p.A. (BDB.MI) has a Quality factor score of 32/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Banco di Desio e della Brianza S.p.A. a buy, hold, or sell?: MoatMap’s current signal for Banco di Desio e della Brianza S.p.A. (BDB.MI) is Buy, based on a StockRank of 66/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Banco di Desio e della Brianza S.p.A. in?: Banco di Desio e della Brianza S.p.A. (BDB.MI) operates in the Financial Services sector, specifically the Banks - Regional industry (Italy).