Agram banka d.d. (ZSE:KBZ)

Agram banka d.d. Statistics

Total Valuation

ZSE:KBZ has a market cap or net worth of EUR 68.60 million.

Market Cap	68.60M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, April 28, 2026.

Earnings Date	Apr 28, 2026
Ex-Dividend Date	Jun 11, 2025

Share Statistics

ZSE:KBZ has 1.94 million shares outstanding.

Current Share Class	1.94M
Shares Outstanding	1.94M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	42.99%
Float	925,082

Valuation Ratios

The trailing PE ratio is 9.71.

PE Ratio	9.71
Forward PE	n/a
PS Ratio	3.16
PB Ratio	0.94
P/TBV Ratio	0.98
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	-0.81
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.87%.

Return on Equity (ROE)	9.87%
Return on Assets (ROA)	1.11%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	1.86%
Revenue Per Employee	114,171
Profits Per Employee	37,186
Employee Count	190
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:KBZ has paid 1.48 million in taxes.

Income Tax	1.48M
Effective Tax Rate	17.29%

Stock Price Statistics

The stock price has increased by +4.12% in the last 52 weeks. The beta is -0.40, so ZSE:KBZ's price volatility has been lower than the market average.

Beta (5Y)	-0.40
52-Week Price Change	+4.12%
50-Day Moving Average	36.87
200-Day Moving Average	25.52
Relative Strength Index (RSI)	45.44
Average Volume (20 Days)	81

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:KBZ had revenue of EUR 21.69 million and earned 7.07 million in profits. Earnings per share was 3.65.

Revenue	21.69M
Gross Profit	21.69M
Operating Income	8.54M
Pretax Income	8.54M
Net Income	7.07M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	3.65

Balance Sheet

The company has 32.36 million in cash and 7.09 million in debt, with a net cash position of 25.27 million or 13.04 per share.

Cash & Cash Equivalents	32.36M
Total Debt	7.09M
Net Cash	25.27M
Net Cash Per Share	13.04
Equity (Book Value)	72.87M
Book Value Per Share	37.60
Working Capital	-406.37M

Cash Flow

In the last 12 months, operating cash flow was -7.96 million and capital expenditures -783,671, giving a free cash flow of -8.74 million.

Operating Cash Flow	-7.96M
Capital Expenditures	-783,671
Depreciation & Amortization	n/a
Net Borrowing	-73.52M
Free Cash Flow	-8.74M
FCF Per Share	-4.51

Margins

Gross Margin	n/a
Operating Margin	39.38%
Pretax Margin	39.38%
Profit Margin	32.57%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 2.15, which amounts to a dividend yield of 6.07%.

Dividend Per Share	2.15
Dividend Yield	6.07%
Dividend Growth (YoY)	15.13%
Years of Dividend Growth	7
Payout Ratio	58.97%
Buyback Yield	n/a
Shareholder Yield	6.07%
Earnings Yield	10.30%
FCF Yield	-12.74%

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