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Italy's oldest bank (est. 1472), offering retail and commercial banking, mortgages, and wealth products mainly to Italian households and SMEs.
Italy's oldest bank (est. 1472), offering retail and commercial banking, mortgages, and wealth products mainly to Italian households and SMEs.
Earns mainly from interest on loans to Italian households and companies above its deposit costs, with fees from wealth products and insurance distribution. The Italian state rescued it in 2017 and has since sold most of its stake; taking control of Mediobanca in 2025 is reshaping it into a bigger bank with an investment-banking arm.
In one line: A smaller, Italian regional bank like Regions Financial.
Moat: narrow (scale, distribution). Deep branch network in Tuscany and central Italy; scale is modest next to national leaders.
Headquarters: Siena, Italy · Employees: 16,109
Size Banca Monte dei Paschi di Siena (BMPS.MI) is an Italy Financials company (Regional Banks) with a market value of $38.4B, the 8th largest of 123 Italy companies the cockpit tracks. Shares closed at €11.25 on 6 Nov 2026.
Performance Over six months the shares gained 18.9%, against +8.5% for the median peer and +3.1% for the Italy market (cap-weighted) — 6th highest of 21 in its peer set.
Growth Revenue grew 55.5% over the last twelve months (peer median +1.3%); the operating margin is 27.9% (peer median 33.7%).
Valuation It trades at 1.30× book value against a peer median of 1.27× (10th most expensive of 21).
Price implies The share price implies a return on equity of about 13.9%; Banca Monte dei Paschi di Siena delivers 15.5%, so the price asks less than the business earns today.
Next results Next results expected around 10 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | €9.97B | €7.25B | €6.80B | €6.24B | €4.08B |
| Revenue growth | — | +7% | +9% | +53% | — |
| Net income | €2.94B | €2.72B | €1.95B | €2.05B | -€178M |
| Free cash flow | €3.23B | €972M | €1.50B | €100M | -€1.75B |
| Capital expenditure | €248M | €117M | €68.4M | €111M | €65.7M |
| Total debt | n/a | €76.1B | €28.5B | €33.0B | €30.8B |
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 |
|---|---|---|---|---|---|---|
| Banca Monte dei Paschi di Siena BMPS.MI | $38.4B | +19% | +55% | 16% | 1.30× | 13.9% |
| Intesa Sanpaolo ISP.MI | $120B | +6% | -6% | 16% | 1.81× | 20.7% |
| UniCredit UCG.MI | $130B | +6% | +2% | 17% | 1.77× | 25.8% |
| Banco BPM BAMI.MI | $22.8B | +1% | -4% | 12% | 1.30× | 13.5% |
| Mediobanca - Banca di Credito Finanziario MB.MI | $23.7B | +26% | +4% | 11% | 1.82× | 18.7% |
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 | BMPS.MI | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +3.6% | +1.3% | 8th highest of 21 |
| 6-month return | +18.9% | +8.5% | 6th highest of 21 |
| Return on equity | 15.5% | 10.5% | 4th highest of 21 |
| Price / book | 1.30× | 1.27× | 10th most expensive of 21 |
| Trailing P/E | 9.4× | 12.8× | 7th cheapest of 20 |
| ROE the price implies | 13.9% | 8.8% | 5th most demanding of 21 |
| ROE delivered | 15.5% | 10.6% | 4th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Banca Monte dei Paschi di Siena BMPS.MI | Italy | $38.4B | +19% | +55% | 16% | 1.30× | 13.9% | 15.5% |
| KBFinancialGroup 105560.KS | South Korea | $37.5B | -5% | +32% | 10% | 0.99× | 5.6% | n/a |
| Bank of Jiangsu 600919.SS | China | $35.1B | +13% | +5% | 13% | 0.83× | 2.9% | 12.8% |
| Bank of Ningbo 002142.SZ | China | $34.0B | +3% | +3% | 13% | 0.92× | 7.0% | 13.3% |
| Ctbc Financial 2891.TW | Taiwan | $43.7B | +37% | +9% | 15% | 2.06× | 8.9% | 14.7% |
| Commerzbank CBK.DE | Germany | $46.3B | +4% | -3% | 10% | 1.36× | 10.3% | 10.3% |
| M&T Bank MTB | United States | $31.4B | +3% | 0% | 11% | 1.24× | 9.3% | 10.6% |
| Resona 8308.T | Japan | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% | 9.3% |
| Fifth Third Bancorp FITB | United States | $47.9B | +8% | +15% | 9% | 1.55× | 13.6% | 9.4% |
| Shanghai Pudong Development Bank 600000.SS | China | $50.1B | +8% | -3% | 6% | 0.40× | 2.0% | 6.1% |
| Credit Agricole ACA.PA | France | $53.7B | -8% | -1% | 9% | 0.68× | 8.1% | 8.9% |
| Nu Holdings Ltd. Class A NU | United States | $58.1B | -13% | +54% | 32% | 4.39× | 32.4% | 31.6% |
| First Citizens BancShares FCNCA | United States | $25.2B | +16% | 0% | 11% | 1.29× | 9.3% | 11.0% |
| Truist Financial TFC | United States | $59.2B | +1% | -5% | 8% | 1.06× | 9.6% | 8.2% |
| Grupo Cibest S.A. Unsponsored ADR Pfd CIB | United States | $24.7B | +42% | +7% | 19% | 1.97× | 14.4% | 18.9% |
| Mediobanca - Banca di Credito Finanziario MB.MI | Italy | $23.7B | +26% | +4% | 11% | 1.82× | 18.7% | 10.8% |
| Industrial Bank 601166.SS | China | $62.6B | +10% | -4% | 9% | 0.49× | 2.2% | 9.2% |
| Japan Post Bank 7182.T | Japan | $65.5B | +7% | +39% | 7% | 1.11× | 8.3% | 6.6% |
| Postal Savings Bank of China 601658.SS | China | $69.7B | +9% | -2% | 9% | 0.62× | 2.7% | 8.7% |
| Hua Nan Financial 2880.TW | Taiwan | $20.8B | +50% | -37% | 14% | 2.85× | 7.9% | 14.1% |
| Erste Bank Polska EBP.WA | Poland | $20.4B | +35% | -9% | 16% | 2.42× | 26.7% | 15.6% |