Banca Monte dei Paschi di Siena S.p.A. (BMDPF) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Banca Monte dei Paschi di Siena S.p.A. (BMDPF) trades at $13.25 with AI Score 48/100 (Grade C). Banca Monte dei Paschi di Siena S. p. A. Market cap: $40.3B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for BMDPF: BMDPF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BMDPF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
BMDPF: 1/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Banca Monte dei Paschi di Siena S.p.A. (BMDPF) Financial Services Profile
Banca Monte dei Paschi di Siena, established in 1472, provides comprehensive banking services including retail, corporate, and wealth management solutions in Italy. With a significant branch network and a focus on digital banking, the company navigates a competitive landscape while offering services from lending to financial advisory.
What Is the Investment Thesis for BMDPF?
Banca Monte dei Paschi di Siena presents a compelling case with a P/E ratio of 4.15 and a dividend yield of 12.05%. A profit margin of 55.0% and a gross margin of 89.2% indicate strong profitability. Growth catalysts include expansion of digital banking services and strategic initiatives to enhance wealth management offerings. Potential risks involve navigating the competitive Italian banking sector and maintaining asset quality. Investors should monitor the bank's ability to sustain profitability and adapt to changing regulatory environments.
Based on FMP financials and quantitative analysis
BMDPF Key Highlights
Market capitalization of $40.3B reflects significant investor interest.
- P/E ratio of 4.15 suggests the company may be undervalued compared to its earnings.
- Profit margin of 55.0% demonstrates efficient operations and strong profitability.
- Gross margin of 89.2% indicates a strong ability to manage the cost of services.
- Dividend yield of 12.05% offers substantial income potential for investors.
Who Are BMDPF's Competitors?
BMDPF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AGRPY Absa Group Limited | $26.51 | -2.68% | $11.0B | 63 |
| BDOUF BDO Unibank, Inc. | $2.12 | +0.00% | $113B | 62 |
| BKKLY Bangkok Bank Public Company Limited | $28.72 | +1.16% | $11.0B | 49 |
| BPIRY Piraeus Financial Holdings S.A. | $8.00 | -0.99% | $9.90B | 52 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BMDPF's Key Strengths?
Long-established brand and history.
- Extensive branch network in Italy.
- Diverse range of banking services.
- Strong profitability metrics (profit margin of 55.0%).
What Are BMDPF's Weaknesses?
Exposure to the Italian economic environment.
- Potential asset quality concerns.
- Competition from larger international banks.
- Dependence on traditional banking practices.
What Could Drive BMDPF Stock Higher?
Implementation of new digital banking initiatives to enhance customer experience.
- Strategic focus on wealth management and financial advisory services.
- Efforts to optimize branch network and reduce operational costs.
- Expansion of corporate banking services to attract new business clients.
What Are the Key Risks for BMDPF?
Financial-distress signal — its Altman Z-Score of 0.24 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Economic downturn in Italy impacting loan portfolio quality.
- Increased competition from fintech companies disrupting traditional banking practices.
- Changes in regulatory environment affecting banking operations.
- Exposure to interest rate fluctuations and credit risk.
- Dependence on the Italian market for revenue generation.
What Are the Growth Opportunities for BMDPF?
- Expansion of Digital Banking Services: The increasing adoption of digital banking presents a significant growth opportunity. By enhancing its digital platforms and mobile banking offerings, Banca Monte dei Paschi di Siena can attract and retain customers, reduce operational costs, and expand its reach beyond its traditional branch network. Focus on user-friendly interfaces and secure transactions will be crucial. The digital banking market is projected to grow, offering a substantial runway for expansion.
- Strategic Focus on Wealth Management: With an aging population and increasing affluence in certain segments of the Italian population, there is a growing demand for wealth management services. Banca Monte dei Paschi di Siena can capitalize on this trend by expanding its wealth management offerings, including financial planning, investment advisory, and trust services. Tailoring services to high-net-worth individuals and families can drive revenue growth and enhance customer loyalty.
- Leveraging Insurance Products and Financial Advisory: Integrating insurance products and financial advisory services into its core banking offerings can provide Banca Monte dei Paschi di Siena with additional revenue streams and enhance customer relationships. By offering a comprehensive suite of financial solutions, the bank can meet the diverse needs of its customers and increase cross-selling opportunities. This approach can lead to higher customer lifetime value and improved profitability.
- Optimizing Branch Network and Specialized Centers: While digital banking is growing, physical branches and specialized centers remain important for certain customer segments. Banca Monte dei Paschi di Siena can optimize its branch network by consolidating underperforming branches and investing in modernized, customer-centric locations. Specialized centers can focus on specific customer segments, such as small businesses or high-net-worth individuals, providing tailored services and expertise.
- Enhancing Corporate Banking Services: By expanding its corporate banking services, including lending, capital markets, and structured finance, Banca Monte dei Paschi di Siena can cater to the needs of businesses of all sizes. Offering tailored financial solutions and expertise can attract and retain corporate clients, driving revenue growth and strengthening the bank's position in the market. Focus on sectors with high growth potential can further enhance the bank's prospects.
What Are BMDPF's Competitive Advantages?
- Long-standing history and brand reputation dating back to 1472.
- Extensive branch network and ATM coverage in Italy.
- Established relationships with retail and corporate customers.
- Expertise in wealth management and financial advisory services.
What Does BMDPF Do?
Banca Monte dei Paschi di Siena S.p.A., tracing its origins back to 1472, is one of the world's oldest banks. Headquartered in Siena, Italy, the bank has evolved from a Monte di Pietà to a modern financial institution providing a wide array of banking services. The bank operates through three primary segments: Retail Banking, catering to individual customers; Corporate Banking, serving businesses; and Wealth Management, offering financial planning and investment services. Its offerings include funding and lending, insurance products, financial advisory, and electronic payment services. The bank also provides specialized services like leasing and factoring for businesses, along with investment banking products and foreign banking services. As of December 31, 2021, Banca Monte dei Paschi di Siena operated a substantial network of 1,368 branches, 126 specialized centers, and 2,621 ATMs across Italy, along with an operational branch in Shanghai and representative offices in Europe, North Africa, India, and China. The bank continues to adapt to the evolving financial landscape by enhancing its digital banking services and expanding its consultancy offerings, including tax planning, real estate, and legal advisory.
What Products and Services Does BMDPF Offer?
- Provides retail banking services to individual customers.
- Offers corporate banking services to businesses of all sizes.
- Delivers wealth management and financial planning services.
- Provides funding and lending services.
- Offers insurance products and financial advisory.
- Provides electronic payment services.
- Offers leasing and factoring services for businesses.
How Does BMDPF Make Money?
- Generates revenue through interest income from loans and advances.
- Earns fees from financial advisory and wealth management services.
- Receives commissions from insurance products.
- Derives income from investment banking activities.
What Industry Does BMDPF Operate In?
Banca Monte dei Paschi di Siena operates within the competitive Italian banking sector, characterized by both traditional banking practices and increasing digital transformation. The industry is influenced by European Central Bank policies and macroeconomic conditions in Italy. Competitors include both national and international banks operating in the region. The bank's focus on retail, corporate, and wealth management positions it to capitalize on diverse market segments, while facing challenges from fintech companies and evolving customer preferences.
Who Are BMDPF's Key Customers?
- Individual retail customers seeking banking services.
- Small and medium-sized enterprises (SMEs) requiring corporate banking solutions.
- Large corporations needing capital markets and structured finance services.
- High-net-worth individuals seeking wealth management and financial planning.
- Businesses, artisans, and professionals requiring leasing and factoring services.
Banca Monte dei Paschi di Siena S.p.A. (BMDPF) Valuation Context
Valued at $40.3B, BMDPF is classified as a large-cap stock. Relative to its peer group, BMDPF's quantitative score of 48/100 is below the peer average of 64/100.
BMDPF Revenue & Earnings Trend
In Q2 2026, BMDPF generated $3.95B in top-line revenue, marking a sequential increase of 101.6%. The company recorded net income of $1.24B, with diluted EPS of $0.37. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this large-cap Financial Services company. Across the four most recent quarters, BMDPF averaged $0.28 in diluted EPS.
Company Profile
Banca Monte dei Paschi di Siena S.p.A. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Siena, IT. The company is led by CEO Luigi Lovaglio. BMDPF has traded publicly since 2012.
Key Financial Metrics
Return on equity for Banca Monte dei Paschi di Siena S.p.A. stands at 16.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.3%, showing how much profit it generates from its asset base. BMDPF trades at a trailing price-to-earnings ratio of 9.85, below the Financial Services sector average of ~18x. Its free cash flow yield is -19.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.25 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.2%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Banca Monte dei Paschi di Siena S.p.A.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.24 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Banca Monte dei Paschi di Siena S.p.A. has missed Wall Street's EPS estimate in 1 of its last 5 reported quarters — a mixed record worth weighing. Reported results have landed about 652.0% above estimates on average.
Forward Outlook
Wall Street analysts project Banca Monte dei Paschi di Siena S.p.A. revenue of about $9.21B for fiscal 2026, with EPS near $0.87. The estimate reflects 9 contributing analysts.
BMDPF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's recovery strategy, indicating that leadership believes in the potential for growth.
- Community sentiment has turned more positive, with discussions around the bank's restructuring efforts gaining traction among retail investors.
- Analysts are noting improvements in asset quality, which could signal a turnaround in profitability for the bank in the medium term.
- The ongoing support from the Italian government enhances stability, providing a safety net that reassures investors about potential risks.
Bear Case
- Concerns over the bank's legacy issues and non-performing loans continue to weigh heavily on investor sentiment, causing skepticism about its long-term viability.
- Market perception remains cautious, with some community members highlighting the challenges of navigating regulatory pressures and economic uncertainties.
- Recent discussions reflect worries about the bank's ability to compete with more agile fintech firms, which could impact its market share.
- The overall economic environment in Italy remains fragile, leading to fears that macroeconomic factors could hinder the bank's recovery efforts.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $3.95B | $1.24B | $0.37 |
| Q1 2026 | $1.96B | $585M | $0.17 |
| Q4 2025 | $1.91B | $1.67B | $0.44 |
| Q3 2025 | $1.12B | $474M | $0.16 |
Based on FMP financials and quantitative analysis
BMDPF Latest News
No recent news available for BMDPF.
BMDPF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BMDPF.
Price Targets
Wall Street price target analysis for BMDPF.
BMDPF MoonshotScore
What does this score mean?
The MoonshotScore rates BMDPF 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Luigi Lovaglio
CEO
Luigi Lovaglio is the CEO of Banca Monte dei Paschi di Siena S.p.A. His background includes extensive experience in the banking sector, with a focus on strategic leadership and financial management. He has held various executive positions at leading financial institutions, demonstrating a track record of driving growth and improving operational efficiency. His expertise spans retail banking, corporate banking, and wealth management.
Track Record: Under Luigi Lovaglio's leadership, Banca Monte dei Paschi di Siena has focused on enhancing its digital capabilities, optimizing its branch network, and strengthening its financial performance. Key milestones include improving profitability, reducing non-performing loans, and implementing strategic initiatives to drive sustainable growth. His focus is on modernizing the bank and improving customer experience.
BMDPF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Banca Monte dei Paschi di Siena S.p.A. may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited regulatory oversight and may not be required to provide regular financial disclosures, increasing the risk for investors compared to stocks listed on major exchanges like NYSE or NASDAQ. Trading on this tier often involves greater uncertainty and potential for volatility.
- OTC Tier: OTC Other
- Limited regulatory oversight and disclosure requirements.
- Potential for lower trading volume and liquidity.
- Increased price volatility and wider bid-ask spreads.
- Higher risk of fraud or manipulation.
- Greater uncertainty regarding financial performance and prospects.
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team and their track record.
- Understand the risks associated with investing in OTC stocks.
- Monitor trading volume and price volatility.
- Consult with a financial advisor.
- Long-standing history and established brand reputation.
- Operation of a branch in Shanghai and representative offices in other countries.
- Provision of banking services to a diverse range of customers.
- Compliance with Italian banking regulations.
- Audited financial statements (if available).
Banca Monte dei Paschi di Siena S.p.A. Financial Services Stock: Key Questions Answered
What does the AI Score mean for BMDPF?
BMDPF holds an AI Score of 48/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Banca Monte dei Paschi di Siena S.p.A. is an Italian bank offering a range of retail, commercial, and wealth management services. Founded in 1472, it stands as one of the oldest banks globally …
What does Banca Monte dei Paschi di Siena S.p.A. do?
Banca Monte dei Paschi di Siena S.p.A. is a full-service Italian bank offering a comprehensive suite of financial products and services to retail, corporate, and wealth management clients. Its core business involves taking deposits and providing loans, alongside offering financial advisory, insurance products, and electronic payment services.
What do analysts say about BMDPF stock?
Analyst consensus on BMDPF stock is mixed, reflecting the complexities of the Italian banking sector and the company's specific challenges and opportunities. Key valuation metrics, such as the P/E ratio of 4.15, suggest potential undervaluation. Growth considerations include the bank's efforts to enhance its digital capabilities and expand its wealth management offerings. Investors should conduct their own due diligence and consider their risk tolerance before investing.
What are the main risks for BMDPF?
The main risks for BMDPF include exposure to the Italian economic environment, which can impact loan portfolio quality and profitability. Increased competition from fintech companies and larger international banks poses a threat to market share. Regulatory changes and compliance requirements can also add to operational costs and complexity. Investors should carefully assess these risks before investing in BMDPF.
What are the key factors to evaluate for BMDPF?
Banca Monte dei Paschi di Siena S.p.A. (BMDPF) holds an AI score of 48/100 (low). Banca Monte dei Paschi di Siena presents a compelling case with a P/E ratio of 4.15 and a dividend yield of 12.05%. Not financial advice.
How frequently does BMDPF data refresh on this page?
BMDPF's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven BMDPF's recent stock price performance?
Banca Monte dei Paschi di Siena S.p.A. (BMDPF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-established brand and history. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BMDPF overvalued or undervalued right now?
Banca Monte dei Paschi di Siena S.p.A. (BMDPF) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research BMDPF before investing?
Before investing in Banca Monte dei Paschi di Siena S.p.A. (BMDPF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC market data may be less reliable than exchange-listed data.
- Financial information is based on data available as of December 31, 2021.