Equity Brief · Financial Services2026-10-27
PRO.MI·Financial Services

Banca Profilo S.p.A.

I · AI Analysis

The brief

Banca Profilo operates as a regional bank offering private banking services, investment planning, asset management, corporate finance advisory, and digital banking through its Tinaba app [Yahoo Finance]. The company serves private, institutional, and corporate clients across Italy and internationally with 169 employees [Yahoo Finance].

Banca Profilo is a Milan-based regional bank providing private banking, investment management, and corporate finance services to clients in Italy and internationally [Yahoo Finance]. The bank recently underwent a 1:10 stock split in July 2026 [Yahoo Finance]. Recent coverage indicates analysts have lowered financial estimates for the company [MarketScreener Italia], though the bank is integrating AI capabilities into its digital banking platform [AziendaBanca].

The bank reported a market capitalization of EUR 110.4 million with a 28% decline in quarterly revenue, though it maintains positive net profitability [Yahoo Finance].

The brief AI analysisConfidence 5/10

Sentinellis health

Not enough data to score

Profitability

0.0/10
Net margin+17.4%· need ≥ 19.5%, the lower third of Banks - Regional in our libraryGross margin—· not applicable to this kind of companyCost-to-income+99.6%· need < 60%

Returns on capital

0.0/10
ROIC—· no dataReturn on equity+5.4%· need > 12%Return on equity+5.4%· need > 10%Return on assets+0.4%· need > 0.8%

Growth & momentum

0.0/10
Revenue growth-28.0%· need ≥ 2.9%, the lower third of Banks - Regional in our libraryOperating margin trend—· no data

Balance sheet

no data
Current ratio—· not applicable to this kind of companyNet debt / EBITDA—· not applicable to this kind of companyInterest coverage—· not applicable to this kind of companyDebt / equity—· no data

Cash generation

no data
Free cash flowEUR -24.0M· not applicable to this kind of companyCash vs reported profitEUR -22.4M vs EUR 10.0M· not applicable to this kind of company

Value creation

no data
ROIC vs cost of capital—· no data

Sentinellis calculation from the published statements — not a score reported by any data source. Each category is scored on the checks that had data; missing inputs are excluded rather than counted as failures.

Market capitalisation

EUR 110.4M

Revenue (TTM)

EUR 49.9M

Explainers

How we read these numbers

Plain-English guides · no account needed

II · Recent news

What moved

3 stories · ranked by relevance

  • Company2026-10-26

    Banca Profilo taglia target price e stime Ebitda di ETS - MarketScreener Italia

    MarketScreener Italia

  • Company2026-10-26

    ETS, Banca Profilo abbassa target price e stime sui margini - la Repubblica

    la Repubblica

  • Company2026-10-20

    Banca Profilo: AI nella gestione patrimoniale sull’App Tinaba, con MDOTM - AziendaBanca

    AziendaBanca

Premium · Free with any account

Revenue contracted 28% in the latest quarter compared to a year earlier, representing a sharp decline in business activity [Yahoo Finance]

1 of 4 risks in this report

Risks

4

Opportunities

4

Red flags

2

Leadership

10

9 more findings in the full report — free with any account.

Unlock the full Banca Profilo S.p.A. analysis

Create a free account to access the complete AI-generated report with inline citations.

  • 4 risks, 4 opportunities and 2 red flags — each with its source
  • 100+ financial metrics with charts and benchmarks
  • Full news summaries with source links
  • Executive team and compensation details
  • PDF export for offline use
Unlock all 10 findings3 free reports · No credit card

III · Related

You might also read

Same sector · Financial Services — or comparable health

Want this for your watchlist?

Read three companies free. No card.

Get 3 free reports

Produced 27 Oct 2026, 10:46 UTC

Figures come from company filings and market data. The Sentinellis health score and the wording attached to it are our interpretation of those figures, not numbers the company reported.

Not investment advice and not a recommendation to buy or sell. Sentinellis holds no positions in the companies it covers, takes no payment from issuers, and has no broker referral arrangements.

How every figure and score is calculated