Istarska kreditna banka Umag d.d. (ZSE:IKBA)
Croatia flag Croatia · Delayed Price · Currency is HRK · Price in EUR
470.00
0.00 (0.00%)
At close: Jul 31, 2025

HashiCorp Statistics

Total Valuation

ZSE:IKBA has a market cap or net worth of HRK 573.74 million.

Market Cap573.74M
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 (%) 17.14%
Owned by Institutions (%) 7.77%
Float 55,663

Valuation Ratios

The trailing PE ratio is 6.05.

PE Ratio 6.05
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
Financial Ratio History

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 1.04M
Profits Per Employee 430,630
Employee Count217
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 +4.44% in the last 52 weeks. The beta is 0.01, so ZSE:IKBA's price volatility has been lower than the market average.

Beta (5Y) 0.01
52-Week Price Change +4.44%
50-Day Moving Average 486.26
200-Day Moving Average 489.17
Relative Strength Index (RSI) 47.17
Average Volume (20 Days) 69

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.

Revenue233.59M
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
Full Income Statement

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
Full Balance Sheet

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
Full Cash Flow Statement

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 146.60, which amounts to a dividend yield of 3.78%.

Dividend Per Share 146.60
Dividend Yield 3.78%
Dividend Growth (YoY) 21.73%
Years of Dividend Growth 2
Payout Ratio 22.88%
Buyback Yield -0.01%
Shareholder Yield 3.82%
Earnings Yield 16.81%
FCF Yield -51.61%
Dividend Details

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