Istarska kreditna banka Umag d.d. (ZSE:IKBA)
Croatia flag Croatia · Delayed Price · Currency is EUR
500.00
0.00 (0.00%)
At close: May 21, 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) n/a
Owned by Insiders (%) 17.27%
Owned by Institutions (%) 7.77%
Float 55,101

Valuation Ratios

The trailing PE ratio is 7.24.

PE Ratio 7.24
Forward PE n/a
PS Ratio 2.74
PB Ratio 0.88
P/TBV Ratio 0.88
P/FCF Ratio 3.94
P/OCF Ratio 3.93
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 12.77%.

Return on Equity (ROE) 12.77%
Return on Assets (ROA) 1.30%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 4.23%
Revenue Per Employee 121,016
Profits Per Employee 45,831
Employee Count223
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, ZSE:IKBA has paid 2.27 million in taxes.

Income Tax 2.27M
Effective Tax Rate 18.14%

Stock Price Statistics

The stock price has decreased by -0.80% in the last 52 weeks. The beta is -0.00, so ZSE:IKBA's price volatility has been lower than the market average.

Beta (5Y) -0.00
52-Week Price Change -0.80%
50-Day Moving Average 500.68
200-Day Moving Average 499.29
Relative Strength Index (RSI) 49.56
Average Volume (20 Days) 25

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 26.99 million and earned 10.22 million in profits.

Revenue26.99M
Gross Profit 26.67M
Operating Income 12.49M
Pretax Income 12.49M
Net Income 10.22M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) n/a
Full Income Statement

Balance Sheet

Cash & Cash Equivalents n/a
Total Debt n/a
Net Cash n/a
Net Cash Per Share n/a
Equity (Book Value) 83.91M
Book Value Per Share n/a
Working Capital -290.53M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 18.85 million and capital expenditures -78,549, giving a free cash flow of 18.77 million.

Operating Cash Flow 18.85M
Capital Expenditures -78,549
Depreciation & Amortization n/a
Net Borrowing -841,800
Free Cash Flow 18.77M
FCF Per Share 126.84
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 46.27%
Pretax Margin 46.27%
Profit Margin 37.87%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 69.56%

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) -0.75%
Years of Dividend Growth 3
Payout Ratio 26.07%
Buyback Yield n/a
Shareholder Yield 3.63%
Earnings Yield 13.81%
FCF Yield 25.37%
Dividend Details

Fair Value

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

Lynch Fair Value n/a
Lynch Upside n/a
Graham Number n/a
Graham Upside n/a

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 4