Cash flow FinecoBank S.p.A.

Equities

FBK

IT0000072170

Banks

Market Closed - Borsa Italiana Other stock markets 11:45:00 2026-05-14 am EDT			5-day change	1st Jan Change
21.63 ^EUR	0.00%		+0.56%	-2.57%

May. 14	Mib approaches 49,000; BFF leads Mid-Cap gains	AN
May. 14	Indices and Stellantis bullish; focus on US-China	AN

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Published financial data: FINECOBANK S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	251M	357M	778M	830M	717M
Interest Income On Investments	199K	206K	226K	180K	593K
Interest Income, Total	251M	357M	779M	830M	718M
Interest On Deposits	7.45M	19.72M	94.61M	121M	85.32M
Interest Expense, Total	7.45M	19.72M	94.61M	121M	85.32M
Net Interest Income	243M	338M	684M	709M	632M
Income From Trading Activities	71.64M	77.97M	66.27M	79.61M	102M
Gain (Loss) on Sale of Loans	29.24M	49.1M	208K	708K	-1.41M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	2.84M	94K	826K	1.42M	67K
Total Other Non Interest Income	453M	479M	482M	523M	582M
Non Interest Income, Total	557M	606M	550M	605M	683M
Revenues Before Provison For Loan Losses	800M	943M	1.23B	1.31B	1.32B
Provision For Loan Losses	594K	5.18M	3.1M	539K	5.42M
Total Revenues	800M	938M	1.23B	1.31B	1.31B
Salaries And Other Employee Benefits	104M	112M	122M	132M	145M
Amort. of Goodwill & Intang. Assets	6.69M	6.61M	6M	4.65M	4.34M
Occupancy Expense	19.52M	20.25M	21.07M	21.14M	23.4M
Selling General & Admin Expenses, Total	161M	181M	182M	201M	178M
Total Other Non Interest Expense	11.61M	11.03M	24.73M	14.51M	19.15M
Non Interest Expense, Total	302M	332M	356M	374M	370M
EBT, Excl. Unusual Items	497M	607M	875M	939M	940M
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Asset Writedown	-39K	-74K	-388K	-63K	-6K
Legal Settlements	-2.83M	-2.16M	-2.5M	-123K	-4.32M
Other Unusual Items	-40K	-	-	-	-
EBT, Incl. Unusual Items	494M	604M	872M	939M	936M
Income Tax Expense	114M	176M	263M	287M	288M
Earnings From Continuing Operations	381M	429M	609M	652M	647M
Net Income to Company	381M	429M	609M	652M	647M
Net Income - (IS)	381M	429M	609M	652M	647M
Net Income to Common Incl Extra Items	381M	429M	609M	652M	647M
Net Income to Common Excl. Extra Items	381M	429M	609M	652M	647M
Per Share Items
Net EPS - Basic	0.62	0.7	1	1.07	1.06
Basic EPS - Continuing Operations	0.62	0.7	1	1.07	1.06
Basic Weighted Average Shares Outstanding	610M	610M	610M	611M	611M
Net EPS - Diluted	0.62	0.7	1	1.07	1.06
Diluted EPS - Continuing Operations	0.62	0.7	1	1.07	1.06
Diluted Weighted Average Shares Outstanding	611M	611M	612M	612M	613M
Normalized Basic EPS	0.51	0.62	0.9	0.96	0.96
Normalized Diluted EPS	0.51	0.62	0.89	0.96	0.96
Dividend Per Share	0.39	0.49	0.69	0.74	0.79
Payout Ratio	90.26	60.28	52.86	69.31	75.58
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	23	29.1	30.17	30.56	30.83
Current Domestic Taxes	137M	164M	252M	-	-
Current Foreign Taxes	10.59M	15.04M	17.15M	-	-
Total Current Taxes	148M	179M	269M	290M	261M
Total Deferred Taxes	-37.05M	-2.81M	-5.81M	-3.19M	27.29M
Normalized Net Income	311M	379M	547M	587M	587M
Non-Cash Pension Expense	32K	49K	158K	143K	142K
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	5.7M	5M	4.78M	5.77M	5.38M
Total Stock-Based Compensation	5.7M	5M	4.78M	5.77M	5.38M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.46B	1.47B	2.27B	1.96B	1.87B
Investment Securities, Total	5.69B	3.84B	2.86B	2.66B	2.75B
Trading Asset Securities, Total	146M	1.44B	721M	556M	495M
Total investments	5.83B	5.28B	3.58B	3.22B	3.24B
Gross Loans	25B	27.39B	24.89B	27.12B	29.98B
Allowance For Loan Losses	-38.51M	-41.58M	-38.11M	-36.96M	-38.36M
Net Loans	24.96B	27.35B	24.85B	27.08B	29.94B
Gross Property Plant And Equipment	237M	249M	259M	279M	301M
Accumulated Depreciation	-87.94M	-103M	-112M	-133M	-149M
Net Property Plant And Equipment	149M	146M	146M	146M	152M
Goodwill	89.6M	89.6M	89.6M	89.6M	89.6M
Other Intangibles, Total	39.08M	36.79M	34.46M	35.24M	34.01M
Investment in Real Estate	1.76M	-	-	-	-
Accrued Interest Receivable	93.13M	97.39M	103M	113M	122M
Other Receivables	521M	1.11B	1.63B	1.27B	867M
Restricted Cash	298M	311M	269M	283M	309M
Other Current Assets, Total	347M	291M	254M	387M	587M
Deferred Tax Assets Long-Term (Collected)	42.97M	46.58M	50M	53.25M	25.54M
Deferred Charges Long-Term	5.24M	3.69M	2.81M	2.05M	2.55M
Other Long-Term Assets, Total	26.98M	31.59M	35.6M	37.3M	45.14M
Total Assets	33.87B	36.27B	33.32B	34.69B	37.3B
Liabilities
Accrued Expenses, Total	132M	108M	121M	144M	134M
Interest Bearing Deposits	29.58B	30.55B	28.4B	29.64B	31.65B
Total Deposits	29.58B	30.55B	28.4B	29.64B	31.65B
Short-Term Borrowings	212M	987M	218M	344M	813M
Current Portion of Leases	10.54M	11.24M	11.1M	11.02M	11.25M
Long-Term Debt	1.53B	498M	809M	810M	811M
Long-Term Leases	54.79M	52.11M	50.28M	47.15M	50.44M
Current Income Taxes Payable	35.86M	42.63M	86.71M	19.52M	24.54M
Other Current Liabilities - (Bank / Utility Template)	339M	1.89B	1.15B	990M	925M
Unearned Revenue Non Current	17.89M	19.57M	19.2M	17.62M	18.31M
Pension & Other Post Retirement Benefits	5.03M	3.94M	4.38M	4.36M	4.07M
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	220M	201M	251M	276M	306M
Total Liabilities	32.14B	34.36B	31.12B	32.3B	34.74B
Common Stock, Total	201M	201M	202M	202M	202M
Additional Paid In Capital	1.93M	1.93M	1.93M	1.93M	1.93M
Retained Earnings	995M	1.17B	1.45B	1.65B	1.81B
Treasury Stock	-1.44M	-1.71M	-1.24M	-1.08M	-1.28M
Comprehensive Income and Other	531M	544M	539M	532M	538M
Total Common Equity	1.73B	1.91B	2.19B	2.39B	2.55B
Total Equity	1.73B	1.91B	2.19B	2.39B	2.55B
Total Liabilities And Equity	33.87B	36.27B	33.32B	34.69B	37.3B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	610M	610M	611M	611M	611M
ECS Total Common Shares Outstanding	610M	610M	611M	611M	611M
Book Value / Share	2.83	3.13	3.59	3.91	4.18
Tangible Book Value	1.6B	1.78B	2.07B	2.26B	2.43B
Tangible Book Value Per Share	2.62	2.92	3.39	3.71	3.97
Total Debt	1.81B	1.55B	1.09B	1.21B	1.69B
Net Debt	-64.37M	-1.57B	-2.1B	-1.53B	-900M
Equity Method Investments, Total	1.29M	1.72M	1.65M	1.67M	1.76M
Full Time Employees	1.3K	1.34K	1.38K	1.35K	1.43K
Part Time Employees	-	-	-	103	95

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	381M	429M	609M	652M	647M
Depreciation, Depletion & Amortization	19.52M	20.25M	21.07M	21.14M	23.4M
Amortization of Goodwill and Intangible Assets - (CF)	148K	87K	32K	6K	-
Total Depreciation, Depletion & Amortization	19.67M	20.34M	21.1M	21.14M	23.4M
Amortization of Deferred Charges, Total	6.54M	6.52M	5.96M	4.64M	4.34M
(Gain) Loss on Sale of Investments - (CF)	-853K	8.94M	6.33M	-125K	1.43M
Total Asset Writedown	3.45M	7.35M	5.73M	3.25M	8.35M
Provision for Credit Losses	-	-	-	-	-
Change in Trading Asset Securities	95.4M	21.6M	1.84M	-13.67M	-28.06M
Change in Other Net Operating Assets (Collected)	-900M	-349M	306M	-559M	-282M
Other Operating Activities	180M	125M	181M	46.75M	61.48M
Cash from Operations	-215M	269M	1.14B	155M	436M
Capital Expenditure	-8.36M	-9.07M	-11.89M	-13.21M	-14.3M
Sale of Property, Plant, and Equipment	-	1.68M	38K	-	5K
Purchase / Sale of Intangible Assets	-6.18M	-4.31M	-3.67M	-5.42M	-3.11M
Investment in Marketable and Equity Securities, Total	-1.32M	-700K	-195K	-1K	-1K
Cash from Investing	-15.86M	-12.4M	-15.72M	-18.64M	-17.4M
Issuance of Common Stock	-	-	640K	282K	-
Repurchase of Common Stock	-136K	-201K	-	-	-7K
Common Dividends Paid	-344M	-258M	-322M	-452M	-489M
Common & Preferred Stock Dividends Paid	-344M	-258M	-322M	-452M	-489M
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Cash from Financing	-344M	-259M	-321M	-452M	-489M
Foreign Exchange Rate Adjustments	24.6M	7.36M	-4.12M	12.27M	-18.26M
Net Change in Cash	-550M	5.54M	796M	-303M	-88.32M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.16	1.22	1.75	1.92	1.8
Return On Equity %	22.3	23.56	29.68	28.46	26.18
Return on Common Equity	22.3	23.56	29.68	28.46	26.18
Shareholders Value Added	176M	210M	363M	377M	350M
Margin Analysis
SG&A Margin	35.36	33.29	26.22	26.82	26.29
Net Interest Income / Total Revenues %	30.43	36	55.58	53.98	48.27
EBT Excl. Non-Recurring Items Margin %	62.19	64.65	71.11	71.54	71.75
Income From Continuing Operations Margin %	47.61	45.67	49.49	49.67	49.4
Net Income Margin %	47.61	45.67	49.49	49.67	49.4
Net Avail. For Common Margin %	47.61	45.67	49.49	49.67	49.4
Normalized Net Income Margin	38.87	40.41	44.44	44.71	44.84
Asset quality
Nonperforming Loans / Total Loans %	0.1	0.09	0.1	0.1	0.09
Nonperforming Loans / Total Assets %	0.07	0.07	0.07	0.08	0.08
Nonperforming Assets / Total Assets %	0.07	0.07	0.07	0.08	0.08
NPAs / Loans and OREO	0.1	0.09	0.1	0.1	0.09
NPAs / Equity	1.42	1.32	1.1	1.16	1.1
Allowance for Credit Losses / Net Charge-offs %	1.06K	2.41K	720.92	1.99K	929.49
Allowance for Credit Losses / Nonperforming Loans %	156.91	164.79	158.16	133.34	136.2
Allowance for Credit Losses / Total Loans %	0.15	0.15	0.15	0.14	0.13
Provision for Loan Losses / Net Charge-offs %	16.36	300.35	58.61	28.98	131.23
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.2	5.19	5.9	6.74	6.87
Total Average Equity / Total Average Assets %	5.2	5.19	5.9	6.74	6.87
Total Equity + Allowance for Loan Losses / Total Loans %	7.06	7.13	8.97	8.95	8.64
Gross Loans / Total Deposits %	84.5	89.68	87.64	91.52	94.74
Net Loans / Total Deposits %	84.37	89.54	87.5	91.39	94.62
Tier 1 Capital Ratio %	29.63	31.37	34.91	35.78	31.37
Total Capital Ratio %	29.63	31.37	34.91	35.78	31.37
Core Tier 1 Capital Ratio	18.8	20.82	24.34	25.91	23.3
Tier 2 Capital Ratio	0	0	0	0	0
Coverage Ratio	156.91	164.79	158.16	133.34	136.2
Interbank Ratio	2.97K	237.88	352.67	293.81	347.19
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	67.37	31.64	10.22	8.74	11.96
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-9.12	38.8	102.52	3.64	-10.82
Non Interest Income, 1 Yr. Growth %	10.72	8.75	-9.23	10.02	12.93
Provision For Loan Losses, 1 Yr. Growth %	-93.79	772.73	-40.24	-82.6	904.82
Total Revenues, 1 Yr. Growth %	5.05	17.33	31.17	6.71	-0.26
Earnings From Cont. Operations, 1 Yr. Growth %	17.66	12.55	42.15	7.09	-0.8
Net Income, 1 Yr. Growth %	17.66	12.55	42.15	7.09	-0.8
Normalized Net Income, 1 Yr. Growth %	7.45	22.04	44.13	7.36	0.04
Diluted EPS Before Extra, 1 Yr. Growth %	17.55	12.52	42.08	7.02	-0.89
Dividend Per Share, 1 Yr. Growth %	-26.42	25.64	40.82	7.25	6.76
Gross Loans, 1 Yr. Growth %	19.4	9.6	-9.14	8.97	10.54
Allowance For Loan Losses, 1 Yr. Growth %	-8.41	7.97	-8.34	-3.01	3.75
Net Loans, 1 Yr. Growth %	19.46	9.6	-9.14	8.98	10.55
Non Performing Loans, 1 Yr. Growth %	-3.72	2.8	-4.5	15.05	1.6
Non Performing Assets, 1 Yr. Growth %	-3.72	2.8	-4.5	15.05	1.6
Total Assets, 1 Yr. Growth %	6.65	7.09	-8.14	4.12	7.52
Total Deposits, 1 Yr Growth %	5.36	-0.23	-7.02	4.35	6.78
Tangible Book Value, 1 Yr. Growth %	2.58	11.63	16.06	9.36	7.3
Common Equity, 1 Yr. Growth %	2.35	10.63	14.88	8.87	6.86
Total Equity, 1 Yr. Growth %	2.35	10.63	14.88	8.87	6.86
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-7.27	12.31	67.66	44.87	-3.86
Non Interest Income, 2 Yr. CAGR %	22.98	9.73	-0.64	-0.06	11.47
Provision For Loan Losses, 2 Yr. CAGR %	-66.77	-26.4	128.37	-67.76	32.22
Total Revenues, 2 Yr. CAGR %	10.36	11.02	24.05	18.31	3.17
Earnings From Cont. Operations, 2 Yr. CAGR %	14.9	15.08	26.49	23.38	3.07
Net Income, 2 Yr. CAGR %	14.9	15.08	26.49	23.38	3.07
Normalized Net Income, 2 Yr. CAGR %	13.47	14.48	32.69	24.39	3.64
Diluted EPS Before Extra, 2 Yr. CAGR %	14.77	15.01	26.44	23.42	2.99
Dividend Per Share, 2 Yr. CAGR %	-	-3.85	33.01	22.89	7
Gross Loans, 2 Yr. CAGR %	21.42	14.39	-0.21	-0.5	9.75
Allowance For Loan Losses, 2 Yr. CAGR %	1.28	-0.56	-0.52	-5.71	0.33
Net Loans, 2 Yr. CAGR %	21.46	14.42	-0.21	-0.49	9.76
Non Performing Loans, 2 Yr. CAGR %	-1.58	-0.51	-0.91	4.82	8.12
Non Performing Assets, 2 Yr. CAGR %	-1.58	-0.51	-0.91	4.82	8.12
Total Assets, 2 Yr. CAGR %	9.93	6.87	-0.82	-2.2	5.8
Total Deposits, 2 Yr CAGR %	7.4	4.3	-3.69	-1.5	5.56
Tangible Book Value, 2 Yr. CAGR %	12.83	7.01	13.83	12.66	8.32
Common Equity, 2 Yr. CAGR %	11.76	6.41	12.74	11.83	7.86
Total Equity, 2 Yr. CAGR %	11.76	6.41	12.74	11.83	7.86
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.43	6.08	36.7	42.82	23.24
Non Interest Income, 3 Yr. CAGR %	17.38	18.04	3.01	2.79	4.09
Provision For Loan Losses, 3 Yr. CAGR %	-44.13	-1.22	-31.33	-3.19	1.47
Total Revenues, 3 Yr. CAGR %	8.87	12.64	17.37	17.98	11.76
Earnings From Cont. Operations, 3 Yr. CAGR %	16.43	14.11	23.47	19.66	14.73
Net Income, 3 Yr. CAGR %	16.43	14.11	23.47	19.66	14.73
Normalized Net Income, 3 Yr. CAGR %	11.77	16.24	23.65	23.64	15.68
Diluted EPS Before Extra, 3 Yr. CAGR %	16.3	14.01	23.4	19.68	14.72
Dividend Per Share, 3 Yr. CAGR %	8.78	-	9.19	23.8	17.26
Gross Loans, 3 Yr. CAGR %	25.61	17.34	5.94	2.76	3.05
Allowance For Loan Losses, 3 Yr. CAGR %	-	3.46	-3.22	-1.36	-2.65
Net Loans, 3 Yr. CAGR %	25.55	17.37	5.96	2.76	3.06
Non Performing Loans, 3 Yr. CAGR %	0.84	-0.14	-1.86	4.15	3.74
Non Performing Assets, 3 Yr. CAGR %	0.84	-0.14	-1.86	4.15	3.74
Total Assets, 3 Yr. CAGR %	11.05	8.98	1.61	0.8	0.94
Total Deposits, 3 Yr CAGR %	10.2	6	0.38	-1.08	1.19
Tangible Book Value, 3 Yr. CAGR %	22.13	12.43	9.95	12.32	10.85
Common Equity, 3 Yr. CAGR %	20.96	11.38	9.16	11.43	10.15
Total Equity, 3 Yr. CAGR %	20.96	11.38	9.16	11.43	10.15
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-0.49	5	19.67	20.16	18.75
Non Interest Income, 5 Yr. CAGR %	12.68	14.42	9.81	10.44	6.31
Provision For Loan Losses, 5 Yr. CAGR %	-32.4	0.1	-1.88	-36.88	-10.76
Total Revenues, 5 Yr. CAGR %	7.7	10.55	14.71	14.87	11.47
Earnings From Cont. Operations, 5 Yr. CAGR %	12.44	14.88	20.35	17.73	14.87
Net Income, 5 Yr. CAGR %	12.44	14.88	20.35	17.73	14.87
Normalized Net Income, 5 Yr. CAGR %	9.69	13.57	19.7	19.45	15.22
Diluted EPS Before Extra, 5 Yr. CAGR %	12.24	14.77	20.26	17.69	14.83
Dividend Per Share, 5 Yr. CAGR %	6.85	11.45	17.89	-	8.31
Gross Loans, 5 Yr. CAGR %	89.75	69.17	14.57	9.85	7.45
Allowance For Loan Losses, 5 Yr. CAGR %	6.42	5.03	-	-0.31	-1.82
Net Loans, 5 Yr. CAGR %	90.76	69.69	14.53	9.87	7.46
Non Performing Loans, 5 Yr. CAGR %	1.87	0.74	0.13	1.82	2.02
Non Performing Assets, 5 Yr. CAGR %	1.87	0.74	0.13	1.82	2.02
Total Assets, 5 Yr. CAGR %	10.04	10.18	6.14	4.36	3.27
Total Deposits, 5 Yr CAGR %	9.81	8.85	5.14	2.93	2.42
Tangible Book Value, 5 Yr. CAGR %	22.3	22.98	18.74	12.52	9.3
Common Equity, 5 Yr. CAGR %	20.44	21.16	17.6	11.56	8.64
Total Equity, 5 Yr. CAGR %	20.44	21.16	17.6	11.56	8.64