Banca Popolare di Sondrio S.p.A. — Cyborg Score 7/10
Strong
Banking & Financial Services
Strategic Profile
The bank maintains a robust 39.1% net profit margin with 12.7% earnings growth over the last year and a stronger 27.8% average over five years. Designated as a Significant Institution since 2014, the bank is directly supervised by the European Central Bank.
Cyborg Score Rationale
The bank demonstrates strong profitability with a 39.1% net profit margin combined with solid earnings growth, though forecasts of 0.7% annual earnings growth are lower than Italian market expectations. Strong liquidity and capital position support continued operations.
Top Insights
2025 net income grew 12.7% to €648 million, demonstrating strong earnings momentum
Total loans of €34.8B with a 2.1% bad loans ratio and 85% loan loss coverage indicate manageable credit risk
Trading at a P/E of 12.6x, the bank trades below Italian market average (17.6x) suggesting relative value
Q1 2025 net profit reached €173.3 million, up 19.3% year-over-year, reflecting continued strong performance
Named Competitors
UniCredit — Leading Italian and European universal bank
Banco BPM — Major Italian retail and SME banking
Mediobanca — Specialized Italian banking and wealth management
Recent Developments
(May 2025) Q1 2025 net profit of €173.3 million, up 19.3% YoY
(February 2026) Full year 2025 results: net income €648 million (+12.7% YoY)
(May 2025) Board appointed Dr Pierluigi Molla as Chairman and updated Business Plan 2025-2027
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