Istarska kreditna banka Umag d.d. (ZSE:IKBA)

Croatia · Delayed Price · Currency is EUR

600.00

-20.00 (-3.23%)

At close: Nov 3, 2026

ZSE:IKBA Financials Overview

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Revenue	28.21	27.88	28.71	25.99	17.83	15.4
Revenue Growth	-1.82%	-2.89%	10.50%	45.73%	15.76%	1.02%
Net Income	10.89	11.07	12.83	11.32	5.51	4.95
Earnings Per Share	-	74.80	86.72	76.48	37.26	33.48
EPS Growth	-	-13.74%	13.38%	105.28%	11.28%	21.69%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Doing Business with Citizens	6.99	6.18	7.74	7.3	6.85
Business Transactions	10.59	9.43	8.1	9.26	7.47
Other	9.51	12.79	10.15	1.27	1.09
Total	27.09	28.4	25.99	17.83	15.4

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Cash & Investments	371.42	44.42	42.74	39.85	269.38	209.98
Total Debt	-	4.41	5.11	5.99	7.96	10.35
Net Cash (Debt)	371.42	40.02	37.64	33.86	261.42	199.64
Net Cash Growth	2193.16%	6.32%	11.15%	-87.05%	30.95%	59.40%
Net Cash Per Share	-	270.38	254.30	228.78	1766.33	1348.89

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Operating Cash Flow	-27.36	-4.14	-17.13	-289.59	5.91	-19
Capital Expenditures	-0.74	-	-	-	-0.49	-0.2
Free Cash Flow	-28.11	-4.14	-17.13	-289.59	5.42	-19.2
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Profit Margin	38.61%	39.70%	44.70%	43.56%	30.92%	32.17%
FCF Margin	-99.62%	-14.84%	-59.65%	-1114.47%	30.39%	-124.65%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 5, 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
Dividend Per Share	18.000	-	18.000	15.000	12.000	10.645
Dividend Per Share Growth	-5.56%	-	20.00%	25.00%	12.73%	0.46%
Dividend Yield	3.00%	-	3.43%	3.97%	3.80%	4.23%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 5, 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
PE Ratio	8.15	6.68	6.05	4.94	8.47	7.51
P/FCF Ratio	-	-	-	-	8.62	-
PS Ratio	3.15	2.65	2.71	2.15	2.62	2.42