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BPER Banca SpABPERF 38 Owner Earnings per Share (TTM) is 1.44 as of Jun. 2026. GuruFocus rates BPERF with a GF Score™ of 38/100 and a GF Value™ of $7.00 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,031 Banks companies, BPER Banca SpA ranks worse than 55.58% on this metric.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
BPER Banca SpA does not have enough data to calculate Owner Earnings per Share (TTM), so as Price-to-Owner-Earnings ratio.
The historical rank and industry rank for BPER Banca SpA's Owner Earnings per Share (TTM) or its related term are showing as below:
BPERF'
s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.24 Med: 8.6 Max: 18.29
Current: 11.41
Assumption: Companies usually do not report maintenance capital expenditures and growth capital expenditures separately. Here we use estimated numbers and average them over 5 years. The method to estimate maintenance capital expenditures can be found in above part 4.
Note: GuruFocus' Change In Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And it includes non-current parts of assets and liabilities.
BPER Banca SpA Owner Earnings per Share (TTM) Related Terms
BPER Banca SpA Owner Earnings per Share (TTM) Historical Data
* Premium members only.
The historical data trend for BPER Banca SpA's Owner Earnings per Share (TTM) can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BPER Banca SpA Owner Earnings per Share (TTM) Chart
BPER Banca SpA Owner Earnings per Share (TTM) Competitor Comparison
For the Banks - Regional subindustry, BPER Banca SpA's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
BPER Banca SpA Price-to-Owner-Earnings vs Banks Industry
For the Banks industry and Financial Services sector, BPER Banca SpA's Price-to-Owner-Earnings distribution charts can be found below:
* The bar in red indicates where BPER Banca SpA's Price-to-Owner-Earnings falls into.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
What does a Owner Earnings per Share (TTM) of 1.44 mean?
BPER Banca SpA (BPERF) has a Owner Earnings per Share (TTM) of 1.44 as of Jun. 2026. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on BPER Banca SpA. According to the industry distribution chart, BPER Banca SpA ranks #573 out of 1031 companies in the Banks industry, placing it in the top 55.6%.
Is BPER Banca SpA's Owner Earnings per Share (TTM) too high?
BPER Banca SpA's current Owner Earnings per Share (TTM) is 1.44. The Banks industry median Owner Earnings per Share (TTM) is 10.54. BPER Banca SpA's value of 1.44 is 86.3% below this industry median. Based on the distribution chart, BPER Banca SpA ranks #573 out of 1031 companies in the Banks industry, which is below the industry midpoint. Overall, BPER Banca SpA has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BPER Banca SpA's Owner Earnings per Share (TTM) compare to competitors?
According to the Banks industry distribution chart, BPER Banca SpA ranks #573 out of 1031 companies for Owner Earnings per Share (TTM). This places BPER Banca SpA in the lower half of its industry. The industry median Owner Earnings per Share (TTM) is 10.54. BPER Banca SpA's value of 1.44 is 86.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Owner Earnings per Share (TTM) for a Banks company?
The median Owner Earnings per Share (TTM) among Banks companies is 10.54, based on 1,031 companies in the industry. Companies in the top quartile (top 25%) have a Owner Earnings per Share (TTM) significantly above this median, while those in the bottom quartile fall well below. However, Owner Earnings per Share (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BPER Banca SpA's current Owner Earnings per Share (TTM) of 1.44 is 86.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Owner Earnings per Share (TTM) mean?
A high Owner Earnings per Share (TTM) can signal that a stock is expensive relative to its fundamentals. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on BPER Banca SpA. For the Banks industry, the median Owner Earnings per Share (TTM) is 10.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BPER Banca SpA's current Owner Earnings per Share (TTM) is 1.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BPER Banca SpA stock overvalued right now?
Based on GuruFocus' analysis, BPER Banca SpA (BPERF) is currently considered Significantly Overvalued. The stock's GF Value™ is $7.00, compared to a current price of $16.45 — trading 135% above its estimated fair value. The current Owner Earnings per Share (TTM) is 1.44 and 86.3% below the Banks industry median of 10.54. BPER Banca SpA's overall GF Score™ is 38/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Owner Earnings per Share (TTM) calculated?
Owner Earnings per Share (TTM) is calculated from a company's financial statements. For BPER Banca SpA (BPERF), the current Owner Earnings per Share (TTM) is 1.44 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is BPER Banca SpA (BPERF) Overvalued in 2026?
Based on GuruFocus' analysis, BPER Banca SpA stock appears to be overvalued.
The current stock price of $16.45 is trading 135% above its estimated GF Value™ of $7.00.
GuruFocus considers BPER Banca SpA to be Significantly Overvalued.
Key valuation signals for BPERF:
Owner Earnings per Share (TTM): 1.44
GF Value™: $7.00 vs. price of $16.45 (135% above fair value)
Industry Position: 86.3% below the Banks median (#573 of 1031)
No single metric tells the full story. See the BPERF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BPER Banca SpA is a banking group consisting of four Italian regional commercial banks that merged on the initiative of BPER Banca. The banks are involved in a number of market segments, including retail banking, corporate and investment banking, and wealth management and insurance. In addition to the banks, the Group includes product companies, including asset management, personal loans, leasing, and factoring operations, and special purpose vehicles. Its strategy emphasizes customer service and cooperative banking. BPER group's customer base overwhelming derives from retail banking, mostly from individuals with some business deposits. Its loan base, however, is principally the group's corporate customers.
38GF Score
Get the complete analysis for BPERF
Owner Earnings per Share (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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