OTC · Banks

Banco BPM S.p.A. (BNCZF) Stock

$17.10 +0.00% OTC: BNCZF Financial Services

Banco BPM SpA operates as a national commercial bank. It is engaged in the provision of private and corporate banking, loans, e-banking, and investment services.

Valuation

MetricValue
Price$17.10
Market Cap$25.74B
P/E Ratio7.79
P/B Ratio1.53
P/S Ratio2.66
EPS (TTM)$2.20
52-Week High$17.42
52-Week Low$11.75
Dividend Yield7.43%

Financials & Margins

MetricValue
ROE18.53%
ROA1.35%
ROCE1.50%
Gross Margin85.45%
Operating Margin35.87%
Net Margin32.43%
Debt/Equity1.83
Current Ratio10.15

Annual Financials (USD)

Metric20212022202320242025
Revenue$4.8B$5.3B$8.8B$10.3B$9.3B
Operating Profit$654.0M$1.0B$1.8B$2.6B$2.9B
Net Profit$569.0M$685.0M$1.3B$1.9B$2.1B
EPS$0.38$0.45$0.84$1.28$1.39
Op Margin13.7%19.0%20.1%25.1%30.9%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$200.5B$189.8B$202.1B$198.2B$205.8B
Total Liabilities$187.4B$176.8B$188.1B$183.6B$190.2B
Cash$39.8B$15.0B$19.9B$12.1B$5.6B
Borrowings$16.1B$16.8B$24.0B$24.0B$31.0B

Latest News

Earnings To Watch: Banco BPM SpA (MIL:BAMI) Q2 2026 -- GF Value Sees 54% Downside GuruFocus.com · Aug 4, 2026 Banco BPM abandons Monte dei Paschi pursuit after Crédit Agricole objection Retail Banker International · Aug 3, 2026 Banco BPM Pulls Out of Merger Talks With Monte Paschi The Wall Street Journal · Aug 3, 2026 Italian Family Clashes Over $46 Billion Ray-Ban Fortune Bloomberg · Jul 30, 2026 Credit Agricole Raises Stake in Italy’s Banco BPM to 29.3% The Wall Street Journal · Jul 6, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$19.7B$-15.7B$5.9B$-4.7B$4.9B
Investing Cash Flow$-285.0M$-577.0M$-332.0M$-136.0M$-1.5B
Financing Cash Flow$-471.0M$-1.3B$-1.1B$-1.5B$-4.0M
Net Cash Flow$19.7B$-16.0B$5.4B$-6.2B$-6.5B
Free Cash Flow$19.5B$-16.0B$5.7B$-4.8B$4.8B

Valuation & Return Ratios

MetricValue
PEG Ratio0.17
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y52.43%
Return 3Y611.67%
Return 5Y

Ownership

Insiders Held2.26%
Institutions Held63.59%
Institutions Float Held65.06%
Institutional HolderSharesReport Date
Pacer Advisors, Inc.6,7202026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ACA.PACrédit Agricole S.A. $19.93 +2.84% 0.00%
BMDPFBanca Monte dei Paschi di Siena S.p.A. $13.39 +6.19% 8.24 $17.66B 7.47%
BSRR $40.98 -0.44% 12.19 $535.98M 2.64%
CRARYCrédit Agricole S.A. $10.35 +0.68% 8.41 $62.63B 6.38%
DNBBYDNB Bank ASA $30.90 +0.72% 10.76 $44.29B 6.25%

About Banco BPM S.p.A.

Banco BPM SpA operates as a national commercial bank. It is engaged in the provision of private and corporate banking, loans, e-banking, and investment services. The firm operates through the following segments: Retail, Institutional, Private, Corporate, Investment Banking, Insurance, Strategic Partnerships, Finance and Corporate Centre. The Retail segment offers the management and marketing of banking and financial services or products and loan brokering to private customers and small businesses. The Institutional segment includes the management and marketing of banking and financing services or products and loan brokering to bodies and institutions (UCITs, SICAVs, insurance companies, pension funds and banking foundations). The Private segment focuses on the management and marketing of banking and financing services or products and loan brokering to private customers with assets. The Corporate segment provides management and marketing of banking and financing services or products and loan brokering to medium and large-sized companies. The Investment Banking segment includes the search for solutions for the efficient management of customers assets and liabilities, in order to reduce their financial risks. The Insurance segment provides the contribution of the interests held in Vera Vita, Vera Assicurazioni, Banco BPM Vita, and Banco BPM Assicurazioni. The Strategic Partnerships segment offer the contribution of shares held in Agos Ducato, Alba Leasing, SelmaBipiemme Leasing, Gardant Liberty Servicing, Anima Holding and Numia Group. The Finance segments includes activities relating to the portfolio of owned securities, treasury, the groups asset and liability Management and the stock of bond issues placed on institutional markets. The Corporate Centre segment activities relating to the leasing business, equity interests not allocated to Strategic Partnerships and companies operating in the real estate sector. The company was founded on December 12, 1865 and is headquartered in Verona, Italy.

Banco BPM S.p.A. is headquartered in IT.

Banco BPM S.p.A. (BNCZF) stock trades at $17.10 with a market capitalization of $25.74B. The stock is valued at a price-to-earnings (P/E) ratio of 7.79, price-to-book of 1.53, price-to-sales of 2.66. Over the past 52 weeks the stock has ranged between $11.75 and $17.42, and currently trades 1.8% below its 52-week high. It pays a dividend yielding 7.43%.

On profitability, Banco BPM S.p.A. generates a return on equity (ROE) of 18.53%, above the typical market average, return on capital employed of 1.50%, an operating margin of 35.87%, a net profit margin of 32.43%.

In its most recent fiscal year, Banco BPM S.p.A. reported annual revenue of $9.3B, net profit of $2.1B, revenue has compounded at 15.6% a year over the last five years, profit at 150.7% a year. Profit growing faster than revenue points to expanding margins.

The balance sheet shows a debt-to-equity ratio of 1.83, a current ratio of 10.15, total assets of $205.8B, $5.6B in cash and equivalents.

BNCZF has an average daily trading volume of 338 shares, a beta of 0.50 (less volatile than the overall market).

Official website: www.bancobpm.it

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