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BIT/1USB (BIT/1USB)

Borsa Italiana: BIT/1USB · EUR

€50.9

+1.02 (+2.0%)· Recorded snapshot

Market cap	83.5B
Revenue (ttm)	24.6B
Net income (ttm)	7B
EPS (ttm)	€4.62
P/E (trailing)	11.0x
P/E (forward)	10.5x
Dividend	€1.82 (3.58%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 24.6B
Net income (ttm): 7B
EPS (ttm): €4.62
P/E (trailing): 11.0x
P/E (forward): 10.5x
Market cap: 83.5B

Metric	Value
Amount currency	EUR
Country	United States
Country code	IT
Earnings date	2026-10-15
Employees	70,000
Employees change	1,480
Employees growth	2.16%
Exchange	Borsa Italiana
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1863
Industry	Banks - Regional
Is primary listing	No
ISIN number	US9029733048
Last earnings date	2026-10-15
Last refreshed	2026-10-28
Market cap	EUR 83.5B
Next earnings date	2027-01-19
Price	EUR 50.92
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-02
Symbol	bit/1USB
Website	https://www.usbank.com

Metric

Value

Amount currency

EUR

Country

United States

Country code

Earnings date

2026-10-15

Employees

70,000

Employees change

1,480

Employees growth

2.16%

Exchange

Borsa Italiana

Financial currency

USD

Financial report date

2026-09-30

First seen

2026-05-10

Fiscal year end

December

Founded

1863

Industry

Banks - Regional

Is primary listing

ISIN number

US9029733048

Last earnings date

2026-10-15

Last refreshed

2026-10-28

Market cap

EUR 83.5B

Next earnings date

2027-01-19

Price

EUR 50.92

Price currency

EUR

Sector

Financials

SIC code

6020

Stock price date

2026-10-02

Symbol

bit/1USB

Website

https://www.usbank.com

Metric	Value
Average P/E ratio (10Y)	12.32x
Average P/E ratio (3Y)	12.13x
Average P/E ratio (5Y)	11.47x
Earnings yield	9.07%
Forward P/E	10.52x
Graham number	58.88864
Graham upside	15.65%
Industry forward P/E	10.58x
Industry P/E	11.38x
Lynch fair value	EUR 21.47
Lynch upside	-57.84%
P/B ratio	1.42x
P/E ratio	11.02x
P/OCF ratio	7.43x
P/S ratio	3.4x
Price / tangible book value	2.12x
Sector forward P/E	10.82x
Sector P/E	11.69x

Metric

Value

Average P/E ratio (10Y)

12.32x

Average P/E ratio (3Y)

12.13x

Average P/E ratio (5Y)

11.47x

Earnings yield

9.07%

Forward P/E

10.52x

Graham number

58.88864

Graham upside

15.65%

Industry forward P/E

10.58x

Industry P/E

11.38x

Lynch fair value

EUR 21.47

Lynch upside

-57.84%

P/B ratio

1.42x

P/E ratio

11.02x

P/OCF ratio

7.43x

P/S ratio

3.4x

Price / tangible book value

2.12x

Sector forward P/E

10.82x

Sector P/E

11.69x

Metric	Value
Effective tax rate	19.87%
Operating margin	39.27%
Pretax margin	37.56%
Profit margin	30.01%
Profit per employee	EUR 100,627
Profitable quarters	126
Profitable years	33
Revenue per employee	EUR 350,806
ROA	1.2%
ROA (5Y)	1.04%
ROE	12.84%
ROE (5Y)	11.8%
Tax / revenue	7.46%

Metric

Value

Effective tax rate

19.87%

Operating margin

39.27%

Pretax margin

37.56%

Profit margin

30.01%

Profit per employee

EUR 100,627

Profitable quarters

126

Profitable years

Revenue per employee

EUR 350,806

ROA

1.2%

ROA (5Y)

1.04%

ROE

12.84%

ROE (5Y)

11.8%

Tax / revenue

7.46%

Metric	Value
EPS growth	17.76%
EPS growth (Q)	10.22%
EPS growth (QoQ)	-0.74%
EPS growth 10Y	4.77%
EPS growth 3Y	15.26%
EPS growth 5Y	0.64%
EPS growth quarters	9
EPS growth years	2
Net income growth	16.43%
Net income growth (Q)	10.05%
Net income growth (QoQ)	-0.14%
Net income growth 3Y	15.9%
Net income growth 5Y	1.44%
Net income growth quarters	9
Net income growth years	2
OCF growth	68.8%
OCF growth 10Y	4.5%
OCF growth 3Y	-4.87%
OCF growth 5Y	7.47%
Revenue growth	7.2%
Revenue growth (Q)	8.4%
Revenue growth (QoQ)	2.04%
Revenue growth 10Y	3.83%
Revenue growth 3Y	4.18%
Revenue growth 5Y	3.58%
Revenue growth quarters	7
Revenue growth years	1

Metric

Value

EPS growth

17.76%

EPS growth (Q)

10.22%

EPS growth (QoQ)

-0.74%

EPS growth 10Y

4.77%

EPS growth 3Y

15.26%

EPS growth 5Y

0.64%

EPS growth quarters

EPS growth years

Net income growth

16.43%

Net income growth (Q)

10.05%

Net income growth (QoQ)

-0.14%

Net income growth 3Y

15.9%

Net income growth 5Y

1.44%

Net income growth quarters

Net income growth years

OCF growth

68.8%

OCF growth 10Y

4.5%

OCF growth 3Y

-4.87%

OCF growth 5Y

7.47%

Revenue growth

7.2%

Revenue growth (Q)

8.4%

Revenue growth (QoQ)

2.04%

Revenue growth 10Y

3.83%

Revenue growth 3Y

4.18%

Revenue growth 5Y

3.58%

Revenue growth quarters

Revenue growth years

Metric	Value
EPS	EUR 4.62
Financing cash flow	EUR 22.2B
Gross profit	EUR 24.6B
Income taxes	EUR 1.8B
Investing cash flow	EUR -25.5B
Net borrowing	EUR 13.9B
Net cash flow	EUR 7.8B
Net income	EUR 7B
Operating income	EUR 9.6B
Revenue	EUR 24.6B

Metric

Value

EPS

EUR 4.62

Financing cash flow

EUR 22.2B

Gross profit

EUR 24.6B

Income taxes

EUR 1.8B

Investing cash flow

EUR -25.5B

Net borrowing

EUR 13.9B

Net cash flow

EUR 7.8B

Net income

EUR 7B

Operating income

EUR 9.6B

Revenue

EUR 24.6B

Metric	Value
Book value per share	EUR 33.70
Debt / equity	1.09
Goodwill	EUR 11.9B
Net cash (debt)	EUR -20.7B
Net cash / market cap	-24.79%
Net debt / equity	0.35
Piotroski F-Score	4
Property, plant and equipment	EUR 3.5B
Shareholders' equity	EUR 58.9B
Tangible book value	EUR 39.3B
Tangible book value per share	EUR 25.25
Total assets	EUR 619B
Total cash	EUR 43.6B
Total debt	EUR 64.3B
Total liabilities	EUR 560.1B

Metric

Value

Book value per share

EUR 33.70

Debt / equity

1.09

Goodwill

EUR 11.9B

Net cash (debt)

EUR -20.7B

Net cash / market cap

-24.79%

Net debt / equity

0.35

Piotroski F-Score

Property, plant and equipment

EUR 3.5B

Shareholders' equity

EUR 58.9B

Tangible book value

EUR 39.3B

Tangible book value per share

EUR 25.25

Total assets

EUR 619B

Total cash

EUR 43.6B

Total debt

EUR 64.3B

Total liabilities

EUR 560.1B

Metric	Value
Working capital	EUR -441B

Metric

Value

Working capital

EUR -441B

Metric	Value
Buyback yield / dilution	0.24%
Dividend growth	34.98%
Dividend growth (3Y)	0.62%
Dividend growth (5Y)	4.76%
Dividend growth years	0
Dividend payment date	2026-10-15
Dividend payment years	9
Dividend payout frequency	Quarterly
Dividend per share	EUR 1.82
Dividend yield	3.58%
Ex-dividend date	2026-09-29
Last dividend	EUR 0.47
Payout ratio	39.57%
Shareholder yield	3.82%

Metric

Value

Buyback yield / dilution

0.24%

Dividend growth

34.98%

Dividend growth (3Y)

0.62%

Dividend growth (5Y)

4.76%

Dividend growth years

Dividend payment date

2026-10-15

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

EUR 1.82

Dividend yield

3.58%

Ex-dividend date

2026-09-29

Last dividend

EUR 0.47

Payout ratio

39.57%

Shareholder yield

3.82%

Metric	Value
150-day SMA	EUR 50.48
1D price change	2.04%
1M price change	-3.71%
1M total return	-2.81%
1W price change	-0.43%
1W total return	0.49%
1Y price change	24.32%
1Y return CAGR	29.1%
1Y total return	29.08%
20-day SMA	EUR 52.19
200-day SMA	EUR 49.78
3M price change	-6.19%
3M total return	-5.32%
3Y price change	61.24%
3Y return CAGR	21.87%
3Y total return	81.01%
50-day SMA	EUR 53.78
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 58.24
52-week high date	2026-07-03
52-week low	EUR 39.40
52-week low date	2025-10-17
5Y price change	-2.41%
5Y return CAGR	3.73%
5Y total return	20.11%
6M price change	11.86%
6M total return	13.87%
All-time high	EUR 58.24
All-time high date	2026-06-29
All-time low	EUR 26.10
All-time low date	2023-05-04
Average true range (ATR)	EUR 0.64
Average volume	2
Change from 52-week high	-12.57%
Change from 52-week low	29.24%
Change from all-time high	-12.57%
Change from all-time low	95.1%
Change from open	0%
Day's gap	2.04%
High price	EUR 50.92
Low price	EUR 50.92
Monthly RSI	58.85
Open price	EUR 50.92
Previous close	EUR 49.90
Price vs 150-day SMA	0.87%
Price vs 20-day SMA	-2.44%
Price vs 200-day SMA	2.29%
Price vs 50-day SMA	-5.32%
Relative volume	1.67
RSI	42.04
Sharpe ratio	0.84
Sharpe ratio (3Y)	0.74
Sharpe ratio (5Y)	0.13
Sortino ratio	1.45
Sortino ratio (3Y)	1.29
Sortino ratio (5Y)	0.38
Weekly RSI	48.4
YTD price change	9.79%
YTD total return	12.91%

Metric

Value

150-day SMA

EUR 50.48

1D price change

2.04%

1M price change

-3.71%

1M total return

-2.81%

1W price change

-0.43%

1W total return

0.49%

1Y price change

24.32%

1Y return CAGR

29.1%

1Y total return

29.08%

20-day SMA

EUR 52.19

200-day SMA

EUR 49.78

3M price change

-6.19%

3M total return

-5.32%

3Y price change

61.24%

3Y return CAGR

21.87%

3Y total return

81.01%

50-day SMA

EUR 53.78

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 58.24

52-week high date

2026-07-03

52-week low

EUR 39.40

52-week low date

2025-10-17

5Y price change

-2.41%

5Y return CAGR

3.73%

5Y total return

20.11%

6M price change

11.86%

6M total return

13.87%

All-time high

EUR 58.24

All-time high date

2026-06-29

All-time low

EUR 26.10

All-time low date

2023-05-04

Average true range (ATR)

EUR 0.64

Average volume

Change from 52-week high

-12.57%

Change from 52-week low

29.24%

Change from all-time high

-12.57%

Change from all-time low

95.1%

Change from open

Day's gap

2.04%

High price

EUR 50.92

Low price

EUR 50.92

Monthly RSI

58.85

Open price

EUR 50.92

Previous close

EUR 49.90

Price vs 150-day SMA

0.87%

Price vs 20-day SMA

-2.44%

Price vs 200-day SMA

2.29%

Price vs 50-day SMA

-5.32%

Relative volume

1.67

RSI

42.04

Sharpe ratio

0.84

Sharpe ratio (3Y)

0.74

Sharpe ratio (5Y)

0.13

Sortino ratio

1.45

Sortino ratio (3Y)

1.29

Sortino ratio (5Y)

0.38

Weekly RSI

48.4

YTD price change

9.79%

YTD total return

12.91%

Metric	Value
Float	1.6B
Shares change (QoQ)	0.26%
Shares change (YoY)	-0.24%
Shares held by insiders	0.2%
Shares held by institutions	82.57%
Short ratio	3.5 days

Metric

Value

Float

1.6B

Shares change (QoQ)

0.26%

Shares change (YoY)

-0.24%

Shares held by insiders

0.2%

Shares held by institutions

82.57%

Short ratio

3.5 days

BIT/1USB (BIT/1USB)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/1USB

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BIT/1USB indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BIT/1USB

Frequently asked questions