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BPE (Bper) Stock Analysis
Buy, Hold or Sell?

Let's analyze Bper together

I guess you are interested in BPER Banca SpA. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • πŸ“Š Fundamental Analysis (FA) – Bper’s Financial Insights
  • πŸ“ˆ Technical Analysis (TA) – Bper’s Price Targets

I'm going to help you getting a better view of BPER Banca SpA. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Bper (30 sec.)










1.2. What can you expect buying and holding a share of Bper? (30 sec.)

How much money do you get?

How much money do you get?
€1.48
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
€8.17
Expected worth in 1 year
€-318.99
How sure are you?
70.0%

+ What do you gain per year?

Total Gains per Share
€-325.89
Return On Investment
-4,318.7%

For what price can you sell your share?

Current Price per Share
€7.55
Expected price per share
€5.109265901518 - €8.018
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Bper (5 min.)




Live pricePrice per Share (EOD)
€7.55
Intrinsic Value Per Share
€-43.66 - €-12.73
Total Value Per Share
€-35.49 - €-4.56

2.2. Growth of Bper (5 min.)




Is Bper growing?

Current yearPrevious yearGrowGrow %
How rich?$13.5b$152.7b-$139.1b-1,026.1%

How much money is Bper making?

Current yearPrevious yearGrowGrow %
Making money$1.6b$1.7b-$137m-8.3%
Net Profit Margin23.4%27.9%--

How much money comes from the company's main activities?

2.3. Financial Health of Bper (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Bper?

Welcome investor! Bper's management wants to use your money to grow the business. In return you get a share of Bper.

First you should know what it really means to hold a share of Bper. And how you can make/lose money.

Speculation

The Price per Share of Bper is €7.546. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Bper.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Bper, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is €8.17. Based on the TTM, the Book Value Change Per Share is €-81.79 per quarter. Based on the YOY, the Book Value Change Per Share is €84.35 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is €0.32 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Bper.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 β‚¬% of Price per Share€% of Price per Share€% of Price per Share€% of Price per Share€% of Price per Share€% of Price per Share
Usd Eps1.1615.4%1.1615.4%1.2316.3%1.1915.8%0.8411.1%0.486.4%
Usd Book Value Change Per Share-95.91-1,270.9%-95.91-1,270.9%98.911,310.7%1.3417.8%1.0413.8%0.506.6%
Usd Dividend Per Share0.374.9%0.374.9%0.151.9%0.202.6%0.131.7%0.081.0%
Usd Total Gains Per Share-95.53-1,266.0%-95.53-1,266.0%99.051,312.7%1.5420.4%1.1715.5%0.587.7%
Usd Price Per Share7.19-7.19-3.55-4.33-3.37-4.52-
Price to Earnings Ratio6.19-6.19-2.88-3.66-4.98-594,538,108.13-
Price-to-Total Gains Ratio-0.08--0.08-0.04-0.67-1.99--4.32-
Price to Book Ratio0.75-0.75-0.03-0.38-0.37-48,804,867.96-
Price-to-Total Gains Ratio-0.08--0.08-0.04-0.67-1.99--4.32-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share8.8484396
Number of shares113
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.370.13
Usd Book Value Change Per Share-95.911.04
Usd Total Gains Per Share-95.531.17
Gains per Quarter (113 shares)-10,795.42131.98
Gains per Year (113 shares)-43,181.69527.91
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1168-43349-4319258470518
2335-86699-863741169391046
3503-130048-12955617514091574
4671-173397-17273823318792102
5838-216747-21592029123492630
61006-260096-25910234928183158
71174-303446-30228440732883686
81341-346795-34546646637584214
91509-390144-38864852442274742
101677-433494-43183058246975270

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.01.00.095.2%
Book Value Change Per Share0.01.00.00.0%2.01.00.066.7%4.01.00.080.0%7.03.00.070.0%16.05.00.076.2%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%21.00.00.0100.0%
Total Gains per Share0.01.00.00.0%2.01.00.066.7%4.01.00.080.0%7.03.00.070.0%16.05.00.076.2%
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3.2. Key Performance Indicators

The key performance indicators of BPER Banca SpA compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share---81.789-81.7890%84.349-197%1.144-7248%0.886-9329%0.428-19224%
Book Value Per Share--8.1698.1690%89.958-91%34.579-76%22.589-64%12.864-36%
Current Ratio----0%32.368-100%12.778-100%13.800-100%7.946-100%
Debt To Asset Ratio--0.9180.9180%0.084+996%0.649+41%0.766+20%0.844+9%
Debt To Equity Ratio--11.36411.3640%1.271+794%10.265+11%12.825-11%12.959-12%
Dividend Per Share--0.3160.3160%0.125+153%0.168+88%0.110+188%0.067+372%
Enterprise Value---120343984083.712-120343984083.7120%2563643876.754-4794%-81729297570.357-32%-85180411066.402-29%238976280310710336.000-100%
Eps--0.9910.9910%1.050-6%1.014-2%0.714+39%0.413+140%
Ev To Sales Ratio---20.096-20.0960%0.471-4371%-17.422-13%-21.715+8%105203881.773-100%
Free Cash Flow Per Share---2.016-2.0160%-10.731+432%-1.380-32%-0.810-60%-0.352-83%
Free Cash Flow To Equity Per Share---2.016-2.0160%-7.351+265%-0.273-86%-0.046-98%0.031-6603%
Gross Profit Margin--1.0001.0000%1.0000%0.994+1%0.966+4%0.809+24%
Intrinsic Value_10Y_max---12.726----------
Intrinsic Value_10Y_min---43.659----------
Intrinsic Value_1Y_max---0.552----------
Intrinsic Value_1Y_min---2.157----------
Intrinsic Value_3Y_max---2.210----------
Intrinsic Value_3Y_min---8.440----------
Intrinsic Value_5Y_max---4.532----------
Intrinsic Value_5Y_min---16.823----------
Market Cap10681966921.472+19%8683167916.2888683167916.2880%4380517876.754+98%5280319096.310+64%4116573333.598+111%238976356199316384.000-100%
Net Profit Margin--0.2340.2340%0.279-16%0.295-21%0.223+5%0.162+44%
Operating Margin----0%0.311-100%0.257-100%0.231-100%0.230-100%
Operating Ratio----0%0.551-100%0.426-100%0.532-100%0.613-100%
Pb Ratio0.924+19%0.7510.7510%0.034+2132%0.376+100%0.369+104%48804867.959-100%
Pe Ratio7.616+19%6.1916.1910%2.883+115%3.663+69%4.978+24%594538108.133-100%
Price Per Share7.546+19%6.1346.1340%3.026+103%3.693+66%2.877+113%3.854+59%
Price To Free Cash Flow Ratio-3.743-23%-3.043-3.0430%-0.282-91%-1.034-66%-0.585-81%3374943176.246-100%
Price To Total Gains Ratio-0.093-23%-0.075-0.0750%0.036-310%0.670-111%1.995-104%-4.325+5644%
Quick Ratio----0%32.368-100%12.778-100%13.800-100%8.097-100%
Return On Assets--0.0100.0100%0.011-7%0.010-1%0.007+36%0.005+87%
Return On Equity--0.1240.1240%0.162-24%0.156-21%0.117+6%0.083+49%
Total Gains Per Share---81.473-81.4730%84.474-196%1.312-6308%0.996-8280%0.495-16571%
Usd Book Value--13560274728.00013560274728.0000%152702878614.000-91%58595095215.800-77%38250273444.240-65%22304331703.940-39%
Usd Book Value Change Per Share---95.906-95.9060%98.907-197%1.342-7248%1.039-9329%0.501-19224%
Usd Book Value Per Share--9.5799.5790%105.485-91%40.547-76%26.488-64%15.084-36%
Usd Dividend Per Share--0.3710.3710%0.147+153%0.197+88%0.129+188%0.079+372%
Usd Enterprise Value---141115355736.561-141115355736.5610%3006128809.882-4794%-95835774331.001-32%-99882550016.463-29%280223586292338880.000-100%
Usd Eps--1.1621.1620%1.231-6%1.189-2%0.838+39%0.484+140%
Usd Free Cash Flow---3346007064.400-3346007064.4000%-18215027688.000+444%-2317043919.667-31%-1355542719.960-59%-581075715.220-83%
Usd Free Cash Flow Per Share---2.364-2.3640%-12.583+432%-1.618-32%-0.950-60%-0.413-83%
Usd Free Cash Flow To Equity Per Share---2.364-2.3640%-8.620+265%-0.320-86%-0.054-98%0.036-6603%
Usd Market Cap12525674412.118+19%10181882698.63910181882698.6390%5136595262.282+98%6191702172.333+64%4827093890.977+111%280223675279318464.000-100%
Usd Price Per Share8.848+19%7.1937.1930%3.548+103%4.330+66%3.374+113%4.520+59%
Usd Profit--1644746217.4001644746217.4000%1781761009.600-8%1708525104.000-4%1203830559.360+37%741798720.520+122%
Usd Revenue--7021962662.0007021962662.0000%6388636711.600+10%5995877468.533+17%5098842142.680+38%3898636441.700+80%
Usd Total Gains Per Share---95.535-95.5350%99.054-196%1.539-6308%1.168-8280%0.580-16571%
 EOD+4 -4MRQTTM+0 -0YOY+13 -253Y+9 -305Y+17 -2210Y+17 -22

3.3 Fundamental Score

Let's check the fundamental score of BPER Banca SpA based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-157.616
Price to Book Ratio (EOD)Between0-10.924
Net Profit Margin (MRQ)Greater than00.234
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.918
Debt to Equity Ratio (MRQ)Less than111.364
Return on Equity (MRQ)Greater than0.150.124
Return on Assets (MRQ)Greater than0.050.010
Total4/10 (40.0%)

3.4 Technical Score

Let's check the technical score of BPER Banca SpA based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5048.961
Ma 20Greater thanMa 507.592
Ma 50Greater thanMa 1007.533
Ma 100Greater thanMa 2007.034
OpenGreater thanClose7.690
Total4/5 (80.0%)

4. In-depth Analysis

4.1 About BPER Banca SpA

BPER Banca SpA provides banking products and services for individuals, and businesses and professionals in Italy and internationally. It offers current and saving accounts, loans, mortgages, insurance and social security, and digital banking and related services; cards; and investments and savings products and services. The company also provides financing and leasing, collection and payment, import and export, liquidity and investment management, digital, and other services. In addition, it offers wealth management services comprising portfolio management, consultancy, financial advice, and wealth advisory services; insurance investment products; and funds and SICAVs. The company was founded in 1867 and is headquartered in Modena, Italy.

Fundamental data was last updated by Penke on 2025-06-27 17:43:03.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profitΒ Bper earns for each €1 of revenue.

  • Above 10% is considered healthy but always compareΒ Bper to theΒ Banks - Regional industry mean.
  • A Net Profit Margin of 23.4%Β means thatΒ €0.23 for each €1Β in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of BPER Banca SpA:

  • The MRQ is 23.4%. The company is making a huge profit. +2
  • The TTM is 23.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ23.4%TTM23.4%0.0%
TTM23.4%YOY27.9%-4.5%
TTM23.4%5Y22.3%+1.1%
5Y22.3%10Y16.2%+6.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ23.4%41.9%-18.5%
TTM23.4%31.1%-7.7%
YOY27.9%29.6%-1.7%
3Y29.5%29.0%+0.5%
5Y22.3%25.7%-3.4%
10Y16.2%22.1%-5.9%
4.3.1.2. Return on Assets

Shows howΒ efficientΒ Bper is using its assets to generate profit.

  • Above 5% is considered healthyΒ but always compareΒ Bper to theΒ Banks - Regional industry mean.
  • 1.0% Return on Assets means thatΒ Bper generatedΒ €0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of BPER Banca SpA:

  • The MRQ is 1.0%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 1.0%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ1.0%TTM1.0%0.0%
TTM1.0%YOY1.1%-0.1%
TTM1.0%5Y0.7%+0.3%
5Y0.7%10Y0.5%+0.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.0%0.2%+0.8%
TTM1.0%0.2%+0.8%
YOY1.1%0.2%+0.9%
3Y1.0%0.2%+0.8%
5Y0.7%0.2%+0.5%
10Y0.5%0.2%+0.3%
4.3.1.3. Return on Equity

Shows how efficient Bper is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compareΒ Bper to theΒ Banks - Regional industry mean.
  • 12.4% Return on Equity means Bper generated €0.12Β for eachΒ €1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of BPER Banca SpA:

  • The MRQ is 12.4%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 12.4%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ12.4%TTM12.4%0.0%
TTM12.4%YOY16.2%-3.9%
TTM12.4%5Y11.7%+0.7%
5Y11.7%10Y8.3%+3.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ12.4%2.8%+9.6%
TTM12.4%2.2%+10.2%
YOY16.2%2.6%+13.6%
3Y15.6%2.5%+13.1%
5Y11.7%2.4%+9.3%
10Y8.3%2.6%+5.7%
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4.3.2. Operating Efficiency of BPER Banca SpA.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

MeasuresΒ how efficient Bper is operatingΒ .

  • Measures how much profit Bper makes for each €1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compareΒ Bper to theΒ Banks - Regional industry mean.
  • An Operating Margin of 0.0%Β means the company generated €0.00 Β for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of BPER Banca SpA:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY31.1%-31.1%
TTM-5Y23.1%-23.1%
5Y23.1%10Y23.0%+0.1%
4.3.2.2. Operating Ratio

Measures how efficient Bper is keepingΒ operating costsΒ low.

  • Below 1 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are €0.00 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of BPER Banca SpA:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.551-0.551
TTM-5Y0.532-0.532
5Y0.53210Y0.613-0.081
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4.4.3. Liquidity of BPER Banca SpA.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Bper is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • A Current Ratio of 0.00Β means the company has €0.00 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of BPER Banca SpA:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY32.368-32.368
TTM-5Y13.800-13.800
5Y13.80010Y7.946+5.855
4.4.3.2. Quick Ratio

Measures if Bper is able to pay off Short-term Debt but only usingΒ theΒ most liquid assets.

  • Above 1 is considered healthy butΒ always compareΒ Bper to theΒ Banks - Regional industry mean.
  • A Quick Ratio of 0.00Β means the company can pay off €0.00 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of BPER Banca SpA:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY32.368-32.368
TTM-5Y13.800-13.800
5Y13.80010Y8.097+5.704
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4.5.4. Solvency of BPER Banca SpA.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much %Β of BperΒ assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compareΒ Bper to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.92Β means that Bper assets areΒ financed with 91.8% credit (debt) and the remaining percentage (100% - 91.8%)Β is financed by its owners/shareholders.Β 

Let's take a look of the Debt to Asset Ratio trends of BPER Banca SpA:

  • The MRQ is 0.918. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.918. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.918TTM0.9180.000
TTM0.918YOY0.084+0.834
TTM0.9185Y0.766+0.152
5Y0.76610Y0.844-0.078
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9180.912+0.006
TTM0.9180.914+0.004
YOY0.0840.331-0.247
3Y0.6490.655-0.006
5Y0.7660.761+0.005
10Y0.8440.845-0.001
4.5.4.2. Debt to Equity Ratio

Measures ifΒ Bper is able toΒ pay off its debts by usingΒ shareholders equity.

  • Below 2 is considered healthy butΒ always compareΒ Bper to theΒ Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,136.4% means that company has €11.36 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of BPER Banca SpA:

  • The MRQ is 11.364. The company is unable to pay all its debts with equity. -1
  • The TTM is 11.364. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ11.364TTM11.3640.000
TTM11.364YOY1.271+10.093
TTM11.3645Y12.825-1.461
5Y12.82510Y12.959-0.134
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ11.36410.416+0.948
TTM11.36410.683+0.681
YOY1.2714.228-2.957
3Y10.2657.922+2.343
5Y12.8259.283+3.542
10Y12.95911.348+1.611
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

MeasuresΒ how much money you payΒ for each share forΒ every €1 in earnings Bper generates.

  • Above 15 is considered overpriced butΒ always compareΒ Bper to theΒ Banks - Regional industry mean.
  • A PE ratio of 6.19 means the investor is paying €6.19Β for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of BPER Banca SpA:

  • The EOD is 7.616. Based on the earnings, the company is underpriced. +1
  • The MRQ is 6.191. Based on the earnings, the company is cheap. +2
  • The TTM is 6.191. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD7.616MRQ6.191+1.425
MRQ6.191TTM6.1910.000
TTM6.191YOY2.883+3.308
TTM6.1915Y4.978+1.213
5Y4.97810Y594,538,108.133-594,538,103.155
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD7.6164.419+3.197
MRQ6.1913.875+2.316
TTM6.1916.132+0.059
YOY2.8834.741-1.858
3Y3.6635.925-2.262
5Y4.9788.400-3.422
10Y594,538,108.1339.118+594,538,099.015
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of BPER Banca SpA:

  • The EOD is -3.743. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -3.043. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -3.043. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-3.743MRQ-3.043-0.700
MRQ-3.043TTM-3.0430.000
TTM-3.043YOY-0.282-2.761
TTM-3.0435Y-0.585-2.458
5Y-0.58510Y3,374,943,176.246-3,374,943,176.831
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD-3.7430.383-4.126
MRQ-3.0430.336-3.379
TTM-3.0430.632-3.675
YOY-0.282-1.072+0.790
3Y-1.0342.007-3.041
5Y-0.5850.284-0.869
10Y3,374,943,176.2460.095+3,374,943,176.151
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price ofΒ Bper is to cheap or to expensiveΒ compared to its book value.

  • At or below 1 is considered healthyΒ (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.75 means the investor is paying €0.75Β for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of BPER Banca SpA:

  • The EOD is 0.924. Based on the equity, the company is cheap. +2
  • The MRQ is 0.751. Based on the equity, the company is cheap. +2
  • The TTM is 0.751. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.924MRQ0.751+0.173
MRQ0.751TTM0.7510.000
TTM0.751YOY0.034+0.717
TTM0.7515Y0.369+0.382
5Y0.36910Y48,804,867.959-48,804,867.590
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.9240.492+0.432
MRQ0.7510.432+0.319
TTM0.7510.446+0.305
YOY0.0340.149-0.115
3Y0.3760.355+0.021
5Y0.3690.578-0.209
10Y48,804,867.9590.801+48,804,867.158
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2024-12-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets140,591,432
Total Liabilities129,027,152
Total Stockholder Equity11,353,867
 As reported
Total Liabilities 129,027,152
Total Stockholder Equity+ 11,353,867
Total Assets = 140,591,432

Assets

Total Assets140,591,432
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 8,991,837
Total Current Assets  (as reported)0
Total Current Assets  (calculated)8,991,837
+/- 8,991,837
Long-term Assets
Property Plant Equipment 2,065,773
Goodwill 170,018
Long Term Investments 30,153,263
Intangible Assets 540,745
Long-term Assets  (as reported)0
Long-term Assets  (calculated)32,929,799
+/- 32,929,799

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity11,353,867
Total Current Liabilities
Accounts payable 1,568,072
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)1,568,072
+/- 1,568,072
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 1,402,649
Total Stockholder Equity (as reported)11,353,867
Total Stockholder Equity (calculated)1,402,649
+/- 9,951,218
Other
Capital Stock2,121,637
Common Stock Shares Outstanding 1,415,512
Net Debt 10,463,659
Net Invested Capital 30,809,363
Property Plant and Equipment Gross 2,065,773



6.2. Balance Sheets Structured

Currency in EUR. All numbers in thousands.

 Trend2024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-312005-12-312004-12-31
> Total Assets 
39,971,501
43,364,456
45,257,632
48,544,033
52,772,092
59,589,444
58,498,416
60,487,931
61,637,758
61,758,052
60,652,920
61,261,231
64,957,028
71,338,807
70,634,767
79,033,498
93,050,838
136,347,873
152,302,794
142,128,359
140,591,432
140,591,432142,128,359152,302,794136,347,87393,050,83879,033,49870,634,76771,338,80764,957,02861,261,23160,652,92061,758,05261,637,75860,487,93158,498,41659,589,44452,772,09248,544,03345,257,63243,364,45639,971,501
   > Total Current Assets 
333,268
340,437
1,043,409
1,534,563
1,109,875
1,184,607
1,154,716
1,011,824
1,183,843
1,364,092
1,264,902
1,443,439
1,158,663
2,665,140
1,565,710
1,895,763
9,073,310
21,878,789
14,140,633
10,085,595
0
010,085,59514,140,63321,878,7899,073,3101,895,7631,565,7102,665,1401,158,6631,443,4391,264,9021,364,0921,183,8431,011,8241,154,7161,184,6071,109,8751,534,5631,043,409340,437333,268
       Cash And Cash Equivalents 
333,268
340,437
883,382
1,377,355
936,965
1,013,409
1,012,417
871,902
915,799
812,148
693,248
764,939
1,056,088
2,565,638
1,502,259
1,822,911
8,980,678
21,772,398
13,997,441
10,085,595
8,991,837
8,991,83710,085,59513,997,44121,772,3988,980,6781,822,9111,502,2592,565,6381,056,088764,939693,248812,148915,799871,9021,012,4171,013,409936,9651,377,355883,382340,437333,268
       Short-term Investments 
0
0
-512,549
0
0
0
0
0
0
761,319
530,853
217,173
279,278
461,698
280,105
0
0
0
0
0
0
000000280,105461,698279,278217,173530,853761,319000000-512,54900
       Net Receivables 
0
0
160,027
157,208
172,910
171,198
142,299
139,922
268,044
551,944
571,654
678,500
102,575
99,502
63,451
72,852
92,632
106,391
143,192
0
0
00143,192106,39192,63272,85263,45199,502102,575678,500571,654551,944268,044139,922142,299171,198172,910157,208160,02700
       Other Current Assets 
0
0
0
0
0
0
0
0
0
293,163
269,449
431,464
778,233
2,193,724
1,060,010
3,109,472
10,545,516
23,164,723
19,324,136
11,649,410
0
011,649,41019,324,13623,164,72310,545,5163,109,4721,060,0102,193,724778,233431,464269,449293,163000000000
   > Long-term Assets 
2,660,701
2,882,572
8,477,516
8,093,194
7,514,013
6,397,865
7,377,962
8,299,999
9,729,899
11,151,729
12,385,288
13,737,820
15,782,884
17,471,170
18,880,306
21,169,427
26,827,513
31,019,825
35,960,237
33,250,868
0
033,250,86835,960,23731,019,82526,827,51321,169,42718,880,30617,471,17015,782,88413,737,82012,385,28811,151,7299,729,8998,299,9997,377,9626,397,8657,514,0138,093,1948,477,5162,882,5722,660,701
       Property Plant Equipment 
935,331
930,766
703,640
720,013
736,106
754,578
772,784
761,669
744,126
734,855
735,932
723,722
711,348
781,626
787,402
1,097,140
1,093,341
1,647,492
2,546,295
2,456,850
2,065,773
2,065,7732,456,8502,546,2951,647,4921,093,3411,097,140787,402781,626711,348723,722735,932734,855744,126761,669772,784754,578736,106720,013703,640930,766935,331
       Goodwill 
0
0
240,905
240,006
347,718
451,814
445,543
376,029
375,935
380,416
380,416
380,395
361,505
327,084
264,740
434,758
434,758
204,392
204,392
170,018
170,018
170,018170,018204,392204,392434,758434,758264,740327,084361,505380,395380,416380,416375,935376,029445,543451,814347,718240,006240,90500
       Long Term Investments 
0
0
0
0
0
0
0
0
0
8,465,270
9,666,256
11,232,720
14,546,224
16,170,405
17,633,697
10,703,150
12,221,579
8,269,074
32,850,440
30,145,037
30,153,263
30,153,26330,145,03732,850,4408,269,07412,221,57910,703,15017,633,69716,170,40514,546,22411,232,7209,666,2568,465,270000000000
       Intangible Assets 
0
0
12,968
14,577
20,240
48,952
65,227
81,417
91,553
110,799
117,593
134,769
156,328
179,543
180,949
235,089
267,965
254,805
359,110
478,963
540,745
540,745478,963359,110254,805267,965235,089180,949179,543156,328134,769117,593110,79991,55381,41765,22748,95220,24014,57712,96800
> Total Liabilities 
10,784,907
11,324,625
41,419,698
44,612,590
48,813,811
55,368,555
54,154,332
55,841,541
56,874,706
57,046,292
55,142,789
55,609,433
59,401,315
65,622,076
65,738,199
73,741,951
86,720,084
129,489,064
144,182,265
11,902,469
129,027,152
129,027,15211,902,469144,182,265129,489,06486,720,08473,741,95165,738,19965,622,07659,401,31555,609,43355,142,78957,046,29256,874,70655,841,54154,154,33255,368,55548,813,81144,612,59041,419,69811,324,62510,784,907
   > Total Current Liabilities 
0
0
441,214
489,246
514,017
513,249
337,840
437,983
561,853
631,817
757,996
1,024,389
718,287
864,303
747,359
841,226
844,216
1,098,300
2,370,361
311,596
0
0311,5962,370,3611,098,300844,216841,226747,359864,303718,2871,024,389757,996631,817561,853437,983337,840513,249514,017489,246441,21400
       Short-term Debt 
0
0
0
0
0
0
0
0
0
23,720,802
21,343,195
20,486,497
21,492,943
24,677,447
0
2,528,661
3,132,006
6,562,100
4,020,082
4,401,853
0
04,401,8534,020,0826,562,1003,132,0062,528,661024,677,44721,492,94320,486,49721,343,19523,720,802000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
23,720,802
21,343,195
20,486,497
21,492,943
24,677,447
0
0
0
0
0
0
0
000000024,677,44721,492,94320,486,49721,343,19523,720,802000000000
       Accounts payable 
0
0
441,214
489,246
514,017
513,249
337,840
437,983
561,853
631,817
757,996
1,024,389
718,287
864,303
747,359
841,226
844,216
1,098,300
2,370,361
394,003
1,568,072
1,568,072394,0032,370,3611,098,300844,216841,226747,359864,303718,2871,024,389757,996631,817561,853437,983337,840513,249514,017489,246441,21400
       Other Current Liabilities 
0
0
-441,214
-489,246
-514,017
-513,249
-337,840
-437,983
-561,853
-631,817
-757,996
-1,024,389
-718,287
-864,303
-747,359
-841,226
-844,216
-1,098,300
-2,370,361
311,596
0
0311,596-2,370,361-1,098,300-844,216-841,226-747,359-864,303-718,287-1,024,389-757,996-631,817-561,853-437,983-337,840-513,249-514,017-489,246-441,21400
   > Long-term Liabilities 
10,784,907
11,324,625
441,214
489,246
514,017
513,249
337,840
437,983
561,853
631,817
757,996
1,024,389
718,287
864,303
747,359
841,226
844,216
1,098,300
2,370,361
11,902,469
0
011,902,4692,370,3611,098,300844,216841,226747,359864,303718,2871,024,389757,996631,817561,853437,983337,840513,249514,017489,246441,21411,324,62510,784,907
       Other Liabilities 
0
0
0
0
0
0
0
0
0
1,597,048
1,375,252
1,782,721
1,448,928
1,658,840
1,435,016
1,573,955
1,504,175
1,971,757
6,088,284
0
0
006,088,2841,971,7571,504,1751,573,9551,435,0161,658,8401,448,9281,782,7211,375,2521,597,048000000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
19,230
15,410
10,808
8,648
7,198
6,408
11,125
8,443
14,667
0
0
0
00014,6678,44311,1256,4087,1988,64810,80815,41019,230000000000
> Total Stockholder Equity
744,085
1,185,725
2,952,591
2,968,252
2,918,624
3,022,898
3,249,623
3,930,715
4,062,727
4,032,944
4,870,140
5,024,511
4,881,347
5,063,721
4,389,111
5,159,885
6,196,819
6,696,312
7,940,173
9,366,149
11,353,867
11,353,8679,366,1497,940,1736,696,3126,196,8195,159,8854,389,1115,063,7214,881,3475,024,5114,870,1404,032,9444,062,7273,930,7153,249,6233,022,8982,918,6242,968,2522,952,5911,185,725744,085
   Common Stock
220,866
263,248
749,433
757,458
761,077
761,080
761,131
996,426
998,165
1,001,483
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,561,884
2,100,435
2,100,435
2,104,316
2,104,316
0
02,104,3162,104,3162,100,4352,100,4351,561,8841,443,9251,443,9251,443,9251,443,9251,443,9251,001,483998,165996,426761,131761,080761,077757,458749,433263,248220,866
   Retained Earnings Total Equity000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,602,538
2,865,773
3,365,001
4,604,259
151,396
0
0151,3964,604,2593,365,0012,865,7732,602,538000000000000000
   Capital Surplus 000000000000000000000
   Treasury Stock000000000000000000000
   Other Stockholders Equity 
523,219
922,477
1,856,327
1,836,339
2,023,884
2,146,031
2,195,368
2,719,650
3,075,833
3,024,285
3,411,418
3,359,925
3,423,123
3,443,358
2,543,233
615,880
984,961
705,753
-217,377
5,590,941
0
05,590,941-217,377705,753984,961615,8802,543,2333,443,3583,423,1233,359,9253,411,4183,024,2853,075,8332,719,6502,195,3682,146,0312,023,8841,836,3391,856,327922,477523,219



6.3. Balance Sheets

Currency in EUR. All numbers in thousands.




6.4. Cash Flows

Currency in EUR. All numbers in thousands.




6.5. Income Statements

Currency in EUR. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2024-12-31. Currency in EUR. All numbers in thousands.

Gross Profit (+$)
totalRevenue5,988,370
Cost of Revenue-0
Gross Profit05,988,370
 
Operating Income (+$)
Gross Profit0
Operating Expense-0
Operating Income00
 
Operating Expense (+$)
Research Development0
Selling General Administrative771,947
Selling And Marketing Expenses0
Operating Expense0771,947
 
Net Interest Income (+$)
Interest Income5,013,543
Interest Expense-1,636,667
Other Finance Cost-0
Net Interest Income3,376,876
 
Pretax Income (+$)
Operating Income0
Net Interest Income3,376,876
Other Non-Operating Income Expenses0
Income Before Tax (EBT)2,053,9800
EBIT - interestExpense = -1,636,667
1,402,649
3,039,316
Interest Expense1,636,667
Earnings Before Interest and Taxes (EBIT)03,690,647
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax2,053,980
Tax Provision-615,470
Net Income From Continuing Ops1,438,5101,438,510
Net Income1,402,649
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net0-3,376,876
 

Technical Analysis of Bper
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Bper. The general trend of Bper is BULLISH with 71.4% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Bper's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (71.4%) Bearish trend (-71.4%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Bper Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

SupportΒ is a price level at which demand for an asset is strong enough to prevent the price from falling further.
ResistanceΒ is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of BPER Banca SpA.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 7.716 < 7.716 < 8.018.

The bearish price targets are: 7.386 > 7.2132038233015 > 5.109265901518.

Know someone who trades $BPE? Share this with them.πŸ‘‡

BPER Banca SpA Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows theΒ moving averageΒ of the selected period.

  • Moving averages are laggingΒ trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of BPER Banca SpA. The current mas is .

The long score for the Moving Averages is 12/14.
The longshort score for the Moving Averages is 10/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

BPER Banca SpA Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows theΒ momentumΒ of theΒ selected period based on two moving averages.

  • MACD is aΒ lagging momentumΒ indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of BPER Banca SpA. The current macd is 0.02338673.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Bper price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Bper. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Bper price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
BPER Banca SpA Daily Moving Average Convergence/Divergence (MACD) ChartBPER Banca SpA Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of BPER Banca SpA. The current adx is 12.27.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -1/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Bper shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
BPER Banca SpA Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • ShowsΒ the current trend.
  • ShowsΒ potential entry signals.
  • ShowsΒ Β potential exit signals.
  • Can be used to placeΒ trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of BPER Banca SpA. The current sar is 7.4067808.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
BPER Banca SpA Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentumΒ indicator, meaning the signals are instant.
  • RangesΒ between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of BPER Banca SpA. The current rsi is 48.96. The current phase is Correction in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Correction in bull market: Moderate price decline, potential pause in the uptrend. Reassess the market, wait for signs of stabilization.
  • Trending down: The RSI is trending down. -1
BPER Banca SpA Daily Relative Strength Index (RSI) ChartBPER Banca SpA Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

ComparesΒ a certain price to multiple prices ranging over time.

  • LeadingΒ momentumΒ indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • RangesΒ between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of BPER Banca SpA. The current phase is Correction in bull market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -4/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Bper price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
BPER Banca SpA Daily Stochastic Oscillator ChartBPER Banca SpA Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero,Β the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of BPER Banca SpA. The current cci is 18.58.

BPER Banca SpA Daily Commodity Channel Index (CCI) ChartBPER Banca SpA Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of BPER Banca SpA. The current cmo is -6.40246079.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
BPER Banca SpA Daily Chande Momentum Oscillator (CMO) ChartBPER Banca SpA Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

Β Shows the current price relative to the highest high over the last 14 days.
Β 

  • Lagging momentum indicator
  • Ranging between 0 andΒ -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of BPER Banca SpA. The current willr is -56.04395604.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Bper is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
BPER Banca SpA Daily Williams %R ChartBPER Banca SpA Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversoldΒ 

Score

Let's take a look at the Bollinger Bands of BPER Banca SpA.

BPER Banca SpA Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of BPER Banca SpA. The current atr is 0.18362766.

BPER Banca SpA Daily Average True Range (ATR) ChartBPER Banca SpA Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

Β Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of BPER Banca SpA. The current obv is 910,859,991.

BPER Banca SpA Daily On-Balance Volume (OBV) ChartBPER Banca SpA Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of BPER Banca SpA. The current mfi is 58.52.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
BPER Banca SpA Daily Money Flow Index (MFI) ChartBPER Banca SpA Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for BPER Banca SpA.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-19MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-02-20WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-02-25STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-26STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-27STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-28STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-03-03STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-04RSI SHORT ENTRY LONG CLOSE70 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-03-05STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-03-06ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-07RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-10ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-03-12STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-13MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-14STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-18MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-20MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-24STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-26STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-28CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-31DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-01SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-04-02STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-04-03SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-04BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-07STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-04-08MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-04-09STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-10RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-14SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-04-16CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-17CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-04-22MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-04-23CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-24DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-28BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-04-29MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-04-30STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-02STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-06MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-07STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-08ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-09STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-12STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-14STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-15RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-16MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-19STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-21STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-22STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-23SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-26MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-30STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-06-02MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-05STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-06-06SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-06-09RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-10ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-12CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-13DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-06-16DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-17DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-19WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-06-20STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-23STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-24STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-25CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-26STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-27STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-30CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-07-01STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-07-03STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-07-04STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-07-07STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-07-08SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-07-09CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-07-10STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside

6.3. Candlestick Patterns

BPER Banca SpA Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of BPER Banca SpA based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5048.961
Ma 20Greater thanMa 507.592
Ma 50Greater thanMa 1007.533
Ma 100Greater thanMa 2007.034
OpenGreater thanClose7.690
Total4/5 (80.0%)
Penke
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