BFF Bank S.p.A. (BIT:BFF)
Italy · Delayed Price · Currency is EUR 3.030
-0.002 (-0.07%)
Sep 3, 2026, 2:14 PM CET
BFF Bank Income Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest and Dividend Income | 456.67 | 507.27 | 767.32 | 638.31 | 364.6 | 233.99 |
Total Interest Expense | 236.25 | 266.39 | 384.18 | 345.26 | 92.99 | 39.55 |
Net Interest Income | 220.42 | 240.88 | 383.15 | 293.05 | 271.61 | 194.44 |
Commissions and Fees | 112.06 | 109 | 110.52 | 112.37 | 127.59 | 109.28 |
Gain (Loss) on Sale of Loans & Receivables | 24.96 | 10.46 | 3.33 | 22.04 | 0.17 | -0 |
Gain (Loss) on Sale of Investments | -4.32 | -6.61 | -7.02 | 1.7 | 5.15 | 2.73 |
Other Revenue | 13.42 | 15.98 | 7.89 | 0.29 | 12.62 | 6.63 |
Revenue Before Loan Losses | 366.54 | 369.7 | 497.87 | 429.45 | 417.15 | 313.09 |
Provision for Loan Losses | 2.99 | 12.84 | 5.57 | 4.93 | 5.91 | -0.34 |
| 363.55 | 356.86 | 492.3 | 424.52 | 411.24 | 313.43 | |
Revenue Growth | -6.73% | -27.51% | 15.97% | 3.23% | 31.21% | 50.79% |
Salaries & Employee Benefits | 71.73 | 85.42 | 79.51 | 75.98 | 74.35 | 73.23 |
Cost of Services Provided | 125.16 | 109.82 | 120.84 | 124.5 | 117.02 | 109.62 |
Other Operating Expenses | 12.04 | 13.63 | -2.7 | -20.61 | -0.25 | -11.63 |
Total Operating Expenses | 228.97 | 226.38 | 211.5 | 192.92 | 203.77 | 181.31 |
Operating Income | 134.58 | 130.48 | 280.79 | 231.59 | 207.47 | 132.12 |
Earnings From Equity Investments | - | - | - | - | - | 0.2 |
EBT Excluding Unusual Items | 134.6 | 130.68 | 281.07 | 231.32 | 207.54 | 132.55 |
Gain (Loss) on Sale of Investments | 6.26 | 3.56 | 6.38 | -0.27 | 0.29 | -0.15 |
Other Unusual Items | -119.64 | -92.13 | 22.73 | 3.95 | 123.38 | 64.26 |
Pretax Income | 21.22 | 42.11 | 307.18 | 235 | 331.2 | 196.66 |
Income Tax Expense | 3.25 | 5.16 | 87.83 | 63.34 | 99.15 | -0.71 |
Net Income | 17.97 | 36.95 | 219.35 | 171.66 | 232.05 | 197.37 |
Net Income to Common | 17.97 | 36.95 | 219.35 | 171.66 | 232.05 | 197.37 |
Net Income Growth | -85.96% | -83.15% | 27.78% | -26.02% | 17.57% | 116.72% |
Shares Outstanding (Basic) | 189 | 188 | 187 | 186 | 185 | 185 |
Shares Outstanding (Diluted) | 190 | 190 | 190 | 188 | 186 | 195 |
Shares Change | -0.07% | 0.03% | 1.06% | 1.02% | -4.70% | 10.70% |
EPS (Basic) | 0.10 | 0.20 | 1.17 | 0.92 | 1.26 | 1.07 |
EPS (Diluted) | 0.09 | 0.19 | 1.15 | 0.91 | 1.25 | 1.01 |
EPS Growth | -86.37% | -83.48% | 26.37% | -27.20% | 23.76% | 94.23% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | -585.61 | -18.66 | 10.14 | -203.93 | 133.39 | 506.52 |
Free Cash Flow Per Share | -3.08 | -0.10 | 0.05 | -1.08 | 0.72 | 2.59 |
Dividend Per Share | - | - | - | 0.979 | 0.790 | 1.574 |
Dividend Growth | - | - | - | 23.94% | -49.80% | 8210.54% |
Operating Margin | 37.02% | 36.56% | 57.04% | 54.55% | 50.45% | 42.15% |
Profit Margin | 4.94% | 10.35% | 44.56% | 40.44% | 56.43% | 62.97% |
Free Cash Flow Margin | -161.08% | -5.23% | 2.06% | -48.04% | 32.44% | 161.60% |
Effective Tax Rate | 15.33% | 12.25% | 28.59% | 26.95% | 29.94% | - |