BPER Banca SpA (WBO:BPE) ROE % Adjusted to Book Value: 6.10% (As of Dec. 2025)


WBO:BPE BPER Banca SpA WBO:BPE
55 GF Score
Price €13.80
GF Value €5.03
Valuation Significantly Overvalued
! 8 Warning Signs
View Full Analysis

What is BPER Banca SpA ROE % Adjusted to Book Value?

BPER Banca SpA WBO:BPE +1.29% 55 ROE % Adjusted to Book Value is 6.10% as of Dec. 2025. GuruFocus rates WBO:BPE with a GF Score™ of 55/100 and a GF Value™ of €5.03 (Significantly Overvalued). The stock has 8 warning signs investors should review.

BPER Banca SpA's ROE % for the quarter that ended in Dec. 2025 was 8.36%. BPER Banca SpA's PB Ratio for the quarter that ended in Dec. 2025 was 1.37. BPER Banca SpA's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 6.10%.


BPER Banca SpA ROE % Adjusted to Book Value Related Terms


BPER Banca SpA ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for BPER Banca SpA's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

BPER Banca SpA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21.42 58.24 38.17 17.82 9.51

BPER Banca SpA Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 17.81 16.71 14.59 6.10 9.57

BPER Banca SpA ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, BPER Banca SpA's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, BPER Banca SpA's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where BPER Banca SpA's ROE % Adjusted to Book Value falls into.


WBO:BPE
55GF Score
BPER Banca SpA WBO:BPE
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

BPER Banca SpA ROE % Adjusted to Book Value Calculation

BPER Banca SpA's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=13.03% / 1.37
=9.51%

BPER Banca SpA's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.36% / 1.37
=6.10%

* 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.

What does a ROE % Adjusted to Book Value of 6.10% mean?
BPER Banca SpA (WBO:BPE) has a ROE % Adjusted to Book Value of 6.10% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on BPER Banca SpA and its competitors.
Is BPER Banca SpA's ROE % Adjusted to Book Value too high?
BPER Banca SpA's current ROE % Adjusted to Book Value is 6.10%. Overall, BPER Banca SpA has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BPER Banca SpA's ROE % Adjusted to Book Value compare to competitors?
BPER Banca SpA's ROE % Adjusted to Book Value of 6.10% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on BPER Banca SpA and its competitors. BPER Banca SpA's current ROE % Adjusted to Book Value is 6.10%. 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 (WBO:BPE) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.03, compared to a current price of €13.80 — trading 174.4% above its estimated fair value. The current ROE % Adjusted to Book Value is 6.10%. BPER Banca SpA's overall GF Score™ is 55/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For BPER Banca SpA (WBO:BPE), the current ROE % Adjusted to Book Value is 6.10% as of Dec. 2025. 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 (WBO:BPE) Overvalued in 2026?

Based on GuruFocus' analysis, BPER Banca SpA stock appears to be overvalued. The current stock price of €13.80 is trading 174.4% above its estimated GF Value™ of €5.03. GuruFocus considers BPER Banca SpA to be Significantly Overvalued.

Key valuation signals for WBO:BPE:

  • ROE % Adjusted to Book Value: 6.10%
  • GF Value™: €5.03 vs. price of €13.80 (174.4% above fair value)
  • GF Score™: 55/100 with 8 warning signs

No single metric tells the full story. See the WBO:BPE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


BPER Banca SpA Business Description

Address Via San Carlo 8/20, Modena, ITA, 41121
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.
55GF Score

Get the complete analysis for WBO:BPE

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€13.80
Price
€5.03
GF Value