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 Cash Flow Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Operating Activities
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 |
Net Income | 10.89 | 11.07 | 12.83 | 11.32 | 5.51 | 4.95 |
Depreciation & Amortization | 0.6 | 0.55 | 0.49 | 0.55 | 0.55 | 0.6 |
Other Amortization | 0.08 | 0.08 | 0.07 | 0.08 | 0.1 | 0.11 |
Gain (Loss) on Sale of Assets | - | - | - | -0.19 | -0.26 | -0.01 |
Gain (Loss) on Sale of Investments | 0 | 0 | 0 | -0 | 0.01 | -0 |
Total Asset Writedown | 0.88 | -0.05 | 0.11 | 0.05 | 0.01 | -0.02 |
Provision for Credit Losses | -0.1 | -0.1 | 1.61 | 2.83 | 0.16 | 0.79 |
Change in Other Net Operating Assets | -77.66 | -14.41 | -31.39 | -305.4 | -0.44 | -25.49 |
Other Operating Activities | 0.32 | -0.84 | -0.98 | 1.19 | 0.27 | 0.06 |
Operating Cash Flow | -27.36 | -4.14 | -17.13 | -289.59 | 5.91 | -19 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
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 |
Capital Expenditures | -0.74 | - | - | - | -0.49 | -0.2 |
Sale of Property, Plant and Equipment | - | - | - | 0.52 | 1.28 | - |
Investment in Securities | -15.66 | -15.66 | -9.64 | 28.36 | -50.32 | 23.53 |
Income (Loss) Equity Investments | -0.44 | -0.44 | 0.12 | - | - | - |
Purchase / Sale of Intangibles | -0.2 | -0.2 | -0.09 | -0.08 | 0.08 | -0.16 |
Other Investing Activities | 0.03 | 0.03 | 0.05 | 0.03 | 0.03 | 0.04 |
Investing Cash Flow | -17.55 | -16.81 | -9.85 | 28.52 | -49.41 | 23.21 |
Financing Activities
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 |
Long-Term Debt Issued | - | 0.16 | 0.08 | - | - | 7.21 |
Long-Term Debt Repaid | - | -0.86 | -1.03 | -1.97 | -2.52 | -2.84 |
Lease Payments | -0.05 | -0.05 | -0.05 | -0.09 | -0.09 | -0.07 |
Net Debt Issued (Repaid) | -1 | -0.7 | -0.95 | -1.97 | -2.52 | 4.36 |
Common Dividends Paid | -2.51 | -2.66 | -2.22 | -1.78 | -1.57 | -1.58 |
Net Increase (Decrease) in Deposit Accounts | 47.73 | 25.51 | 33.11 | 35.26 | 107.39 | 70.49 |
Other Financing Activities | -0.03 | - | - | - | - | - |
Financing Cash Flow | 44.19 | 22.15 | 29.94 | 31.52 | 103.3 | 73.28 |
Net Cash Flow
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 |
Foreign Exchange Rate Adjustments | 0.08 | 0.03 | -0.02 | 0.01 | 0.13 | 0.73 |
Net Cash Flow | -0.65 | 1.24 | 2.93 | -229.54 | 59.92 | 78.21 |
Free Cash Flow
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 |
Free Cash Flow | -28.11 | -4.14 | -17.13 | -289.59 | 5.42 | -19.2 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -99.62% | -14.84% | -59.65% | -1114.47% | 30.39% | -124.65% |
Free Cash Flow Per Share | - | -27.97 | -115.74 | -1956.72 | 36.61 | -129.74 |
Free Cash Flow After Leases | -28.15 | -4.19 | -17.17 | -289.69 | 5.33 | -19.27 |
Additional Metrics
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 |
Cash Interest Paid | 0.89 | 4.27 | 4.51 | 0.4 | 0.4 | 0.53 |
Cash Income Tax Paid | 1.35 | 3.43 | 3.54 | 1.37 | 1.04 | 0.93 |