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Small family-controlled Italian regional bank offering retail and SME banking and wealth management in Lombardy.
Small family-controlled Italian regional bank offering retail and SME banking and wealth management in Lombardy.
Earns mostly from interest on loans to households and small businesses in Lombardy and nearby regions, funded by local deposits, with fees from wealth and insurance products as the second line.
In one line: A small Italian community bank.
Moat: narrow (switching costs, scale). Long-standing local deposit relationships in a wealthy region, family-controlled stability.
Headquarters: Desio, Italy · Founded: 1909
Size Banco di Desio e della Brianza (BDB.MI) is an Italy Financials company (Regional Banks) with a market value of $2.37B, the 59th largest of 123 Italy companies the cockpit tracks. Shares closed at €16.04 on 6 Nov 2026.
Performance Over six months the shares gained 80.2%, against +5.1% for the median peer and +3.1% for the Italy market (cap-weighted) — highest of 21 in its peer set.
Growth Revenue grew 1.8% over the last twelve months (peer median +1.8%); the operating margin is 29.6% (peer median 37.3%).
Valuation It trades at 1.41× book value against a peer median of 1.11× (7th most expensive of 21).
Price implies The share price implies a return on equity of about 12.0%; Banco di Desio e della Brianza delivers 9.0%, so the price asks more than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | €900M | €833M | €899M | €898M | €545M |
| Revenue growth | — | -7% | 0% | +65% | — |
| Net income | €133M | €127M | €127M | €240M | €81.5M |
| Free cash flow | n/a | €269M | €360M | -€217M | -€153M |
| Capital expenditure | n/a | €13.1M | €13.6M | €41.6M | €7.82M |
| Total debt | €4.08B | €5.42B | €4.94B | €5.62B | €5.66B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Banco di Desio e della Brianza BDB.MI | $2.37B | +80% | +2% | 9% | 1.41× | 12.0% |
| BPER Banca BPE.MI | $30.4B | +2% | +15% | 15% | 1.49× | 18.6% |
| Banco BPM BAMI.MI | $22.8B | +1% | -4% | 12% | 1.30× | 13.5% |
| Credito Emiliano CE.MI | $7.48B | +26% | -2% | 12% | 1.41× | 13.1% |
| Banca IFIS IF.MI | $673M | -53% | +68% | 13% | 0.30× | 5.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | BDB.MI | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -2.7% | +0.4% | 6th lowest of 21 |
| 6-month return | +80.2% | +5.1% | highest of 21 |
| Return on equity | 9.0% | 9.8% | 7th lowest of 21 |
| Price / book | 1.41× | 1.11× | 7th most expensive of 21 |
| Trailing P/E | 16.0× | 11.6× | 2nd most expensive of 21 |
| ROE the price implies | 12.0% | 9.1% | 6th most demanding of 20 |
| ROE delivered | 9.0% | 9.9% | 7th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Banco di Desio e della Brianza BDB.MI | Italy | $2.37B | +80% | +2% | 9% | 1.41× | 12.0% | 9.0% |
| Merchants Bancorp MBIN | United States | $2.38B | +12% | 0% | 14% | 1.23× | 12.6% | 13.6% |
| First Busey BUSE | United States | $2.33B | +8% | +17% | 10% | 1.03× | 8.8% | 9.8% |
| City Union Bank CUB.NS | India | $2.31B | +8% | +22% | 14% | 1.94× | 29.8% | 14.1% |
| Juroku Financial Group,Inc 7380.T | Japan | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% | 6.1% |
| Dah Sing Banking 2356.HK | Hong Kong | $2.45B | +5% | -8% | 8% | 0.53× | 5.5% | 7.5% |
| Stock Yards Bancorp SYBT | United States | $2.46B | +10% | +10% | 32% | 2.17× | n/a | 32.4% |
| Qingdao Rural Commercial Bank 002958.SZ | China | $2.47B | -2% | -9% | 8% | 0.41× | 2.5% | 7.9% |
| North Pacific Bank 8524.T | Japan | $2.50B | +8% | +25% | 7% | 1.02× | 8.1% | 7.1% |
| Enterprise Financial Services EFSC | United States | $2.21B | +4% | +2% | 10% | 1.20× | 10.2% | 9.6% |
| Banner BANR | United States | $2.55B | +7% | +2% | 10% | 1.20× | 10.1% | 10.0% |
| Beacon Financial BBT | United States | $2.57B | +6% | +74% | 9% | 1.02× | 7.9% | 9.1% |
| Trustmark TRMK | United States | $2.58B | 0% | -4% | 11% | 1.25× | 9.6% | 11.2% |
| Bank of N.T. Butterfield & Son Limited (The) NTB | United States | $2.15B | -3% | 0% | 21% | 1.94× | 12.0% | 21.1% |
| Western Union WU | United States | $2.15B | -24% | -2% | 44% | 2.35× | 14.3% | 44.0% |
| Dongguan Rural Commercial Bank 9889.HK | Hong Kong | $2.63B | -14% | 0% | 7% | 0.29× | 3.7% | 6.6% |
| Xiamen Bank 601187.SS | China | $2.67B | -13% | 0% | 10% | 0.63× | 3.2% | 10.0% |
| 1st Source SRCE | United States | $2.09B | +18% | +4% | 14% | 1.59× | 10.5% | 13.9% |
| First Bancorp FBNC | United States | $2.67B | +10% | +14% | 10% | 1.56× | 12.2% | 9.9% |
| Weihai Bank 9677.HK | Hong Kong | $2.70B | +5% | +6% | 9% | 0.64× | 4.5% | 9.2% |
| Hilltop HTH | United States | $2.07B | -4% | -2% | 7% | 0.98× | 9.1% | 6.6% |