Istarska kreditna banka Umag d.d. (ZSE:IKBA)
Croatia flag Croatia · Delayed Price · Currency is EUR
500.00
+10.00 (2.04%)
At close: Feb 27, 2026

ZSE:IKBA Statistics

Total Valuation

ZSE:IKBA has a market cap or net worth of EUR 74.00 million.

Market Cap74.00M
Enterprise Value n/a

Important Dates

The last earnings date was Friday, February 27, 2026.

Earnings Date Feb 27, 2026
Ex-Dividend Date Apr 2, 2026

Share Statistics

ZSE:IKBA has 148,000 shares outstanding.

Current Share Class 148,000
Shares Outstanding 148,000
Shares Change (YoY) n/a
Shares Change (QoQ) +0.02%
Owned by Insiders (%) 17.27%
Owned by Institutions (%) 7.77%
Float 55,101

Valuation Ratios

The trailing PE ratio is 6.68.

PE Ratio 6.68
Forward PE n/a
PS Ratio 2.65
PB Ratio 0.88
P/TBV Ratio 0.89
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 13.93%.

Return on Equity (ROE) 13.93%
Return on Assets (ROA) 1.38%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 3.92%
Revenue Per Employee 125,036
Profits Per Employee 49,646
Employee Count223
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, ZSE:IKBA has paid 2.45 million in taxes.

Income Tax 2.45M
Effective Tax Rate 18.13%

Stock Price Statistics

The stock price has decreased by -11.71% in the last 52 weeks. The beta is -0.02, so ZSE:IKBA's price volatility has been lower than the market average.

Beta (5Y) -0.02
52-Week Price Change -11.71%
50-Day Moving Average 494.50
200-Day Moving Average 503.82
Relative Strength Index (RSI) 48.54
Average Volume (20 Days) 79

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 27.88 million and earned 11.07 million in profits. Earnings per share was 74.80.

Revenue27.88M
Gross Profit 27.57M
Operating Income 13.52M
Pretax Income 13.52M
Net Income 11.07M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) 74.80
Full Income Statement

Balance Sheet

The company has 44.42 million in cash and 4.41 million in debt, with a net cash position of 40.02 million or 270.38 per share.

Cash & Cash Equivalents 44.42M
Total Debt 4.41M
Net Cash 40.02M
Net Cash Per Share 270.38
Equity (Book Value) 83.72M
Book Value Per Share 565.66
Working Capital -411.92M
Full Balance Sheet

Cash Flow

Operating Cash Flow -4.14M
Capital Expenditures n/a
Free Cash Flow n/a
FCF Per Share n/a
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 48.50%
Pretax Margin 48.50%
Profit Margin 39.71%
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 3.60%.

Dividend Per Share 18.00
Dividend Yield 3.60%
Dividend Growth (YoY) 1.34%
Years of Dividend Growth 3
Payout Ratio 24.06%
Buyback Yield n/a
Shareholder Yield 3.67%
Earnings Yield 14.96%
FCF Yield n/a
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