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

Croatia · Delayed Price · Currency is EUR

570.00

0.00 (0.00%)

At close: Jul 20, 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	Mar '26 Mar 31, 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	26.99	27.88	28.71	25.99	17.83	15.4
Revenue Growth	-6.46%	-2.89%	10.50%	45.73%	15.76%	1.02%
Net Income	10.22	11.07	12.83	11.32	5.51	4.95
Earnings Per Share	72.31	74.80	86.72	76.48	37.26	33.48
EPS Growth	-15.07%	-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
Business Transactions	10.59	9.43	8.1	9.26	7.47
Other	9.51	12.79	10.15	1.27	1.09
Doing Business with Citizens	6.99	6.18	7.74	7.3	6.85
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	Mar '26 Mar 31, 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	293.71	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)	293.71	40.02	37.64	33.86	261.42	199.64
Net Cash Growth	1788.02%	6.32%	11.15%	-87.05%	30.95%	59.40%
Net Cash Per Share	2078.14	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	Mar '26 Mar 31, 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	18.85	-4.14	-17.13	-289.59	5.91	-19
Capital Expenditures	-0.08	-	-	-	-0.49	-0.2
Free Cash Flow	18.77	-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	Mar '26 Mar 31, 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	37.87%	39.70%	44.70%	43.56%	30.92%	32.17%
FCF Margin	69.56%	-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	Jul '26 Jul 25, 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	-0.75%	-	20.00%	25.00%	12.73%	0.46%
Dividend Yield	3.16%	-	3.67%	4.40%	4.38%	5.07%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 25, 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	7.88	6.68	6.05	4.94	8.47	7.51
P/FCF Ratio	4.49	-	-	-	8.62	-
PS Ratio	3.13	2.65	2.71	2.15	2.62	2.42