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

ZSE:IKBA Statistics

Total Valuation

ZSE:IKBA has a market cap or net worth of EUR 68.08 million.

Market Cap	68.08M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, October 29, 2025.

Earnings Date	Oct 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 (%)	17.25%
Owned by Institutions (%)	7.77%
Float	55,130

Valuation Ratios

The trailing PE ratio is 5.85.

PE Ratio	5.85
Forward PE	n/a
PS Ratio	2.41
PB Ratio	0.87
P/TBV Ratio	0.87
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	124,220
Profits Per Employee	51,297
Employee Count	217
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:IKBA has paid 2.56 million in taxes.

Income Tax	2.56M
Effective Tax Rate	18.03%

Stock Price Statistics

The stock price has increased by +5.02% in the last 52 weeks. The beta is 0.03, so ZSE:IKBA's price volatility has been lower than the market average.

Beta (5Y)	0.03
52-Week Price Change	+5.02%
50-Day Moving Average	473.96
200-Day Moving Average	493.04
Relative Strength Index (RSI)	40.55
Average Volume (20 Days)	61

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 EUR 28.20 million and earned 11.64 million in profits. Earnings per share was 78.68.

Revenue	28.20M
Gross Profit	27.86M
Operating Income	14.21M
Pretax Income	14.21M
Net Income	11.64M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	78.68

Balance Sheet

The company has 18.74 million in cash and n/a in debt, giving a net cash position of 18.74 million or 126.64 per share.

Cash & Cash Equivalents	18.74M
Total Debt	n/a
Net Cash	18.74M
Net Cash Per Share	126.64
Equity (Book Value)	78.67M
Book Value Per Share	531.52
Working Capital	-402.50M

Cash Flow

In the last 12 months, operating cash flow was -35.23 million and capital expenditures -517,921, giving a free cash flow of -35.74 million.

Operating Cash Flow	-35.23M
Capital Expenditures	-517,921
Free Cash Flow	-35.74M
FCF Per Share	-241.51

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 18.00, which amounts to a dividend yield of 3.91%.

Dividend Per Share	18.00
Dividend Yield	3.91%
Dividend Growth (YoY)	20.00%
Years of Dividend Growth	2
Payout Ratio	22.88%
Buyback Yield	-0.01%
Shareholder Yield	3.91%
Earnings Yield	17.10%
FCF Yield	-52.50%

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