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

ZSE:IKBA Statistics

Total Valuation

ZSE:IKBA has a market cap or net worth of HRK 575.41 million.

Market Cap	575.41M
Enterprise Value	n/a

Important Dates

The last earnings date was Tuesday, July 29, 2025.

Earnings Date	Jul 29, 2025
Ex-Dividend Date	Apr 4, 2025

Share Statistics

ZSE:IKBA has 148,000 shares outstanding. The number of shares has increased by 0.01% in one year.

Current Share Class	148,000
Shares Outstanding	148,000
Shares Change (YoY)	+0.01%
Shares Change (QoQ)	-0.00%
Owned by Insiders (%)	17.17%
Owned by Institutions (%)	7.77%
Float	55,382

Valuation Ratios

The trailing PE ratio is 5.97.

PE Ratio	5.97
Forward PE	n/a
PS Ratio	2.46
PB Ratio	0.88
P/TBV Ratio	0.88
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.71%.

Return on Equity (ROE)	15.71%
Return on Assets (ROA)	1.51%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	1.03M
Profits Per Employee	424,939
Employee Count	217
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:IKBA has paid 21.22 million in taxes.

Income Tax	21.22M
Effective Tax Rate	18.03%

Stock Price Statistics

The stock price has increased by +5.38% in the last 52 weeks. The beta is 0.05, so ZSE:IKBA's price volatility has been lower than the market average.

Beta (5Y)	0.05
52-Week Price Change	+5.38%
50-Day Moving Average	482.20
200-Day Moving Average	490.21
Relative Strength Index (RSI)	44.04
Average Volume (20 Days)	60

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, ZSE:IKBA had revenue of HRK 233.59 million and earned 96.46 million in profits. Earnings per share was 651.75.

Revenue	233.59M
Gross Profit	230.80M
Operating Income	117.68M
Pretax Income	117.68M
Net Income	96.46M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	651.75

Balance Sheet

The company has 155.27 million in cash and n/a in debt, giving a net cash position of 155.27 million or 1,049.09 per share.

Cash & Cash Equivalents	155.27M
Total Debt	n/a
Net Cash	155.27M
Net Cash Per Share	1,049.09
Equity (Book Value)	651.65M
Book Value Per Share	4,403.04
Working Capital	-3.33B

Cash Flow

In the last 12 months, operating cash flow was -291.80 million and capital expenditures -4.29 million, giving a free cash flow of -296.09 million.

Operating Cash Flow	-291.80M
Capital Expenditures	-4.29M
Free Cash Flow	-296.09M
FCF Per Share	-2,000.63

Margins

Gross Margin	n/a
Operating Margin	50.38%
Pretax Margin	50.38%
Profit Margin	41.30%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 148.90, which amounts to a dividend yield of 3.83%.

Dividend Per Share	148.90
Dividend Yield	3.83%
Dividend Growth (YoY)	21.73%
Years of Dividend Growth	2
Payout Ratio	22.88%
Buyback Yield	-0.01%
Shareholder Yield	3.82%
Earnings Yield	16.76%
FCF Yield	-51.46%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2