Agram banka d.d. (ZSE:KBZ)

Agram banka d.d. Statistics

Total Valuation

ZSE:KBZ has a market cap or net worth of EUR 69.37 million.

Market Cap	69.37M
Enterprise Value	n/a

Important Dates

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

Earnings Date	Jul 28, 2026
Ex-Dividend Date	Jun 26, 2026

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 (%)	41.13%
Float	880,514

Valuation Ratios

The trailing PE ratio is 9.82.

PE Ratio	9.82
Forward PE	n/a
PS Ratio	3.11
PB Ratio	0.95
P/TBV Ratio	0.99
P/FCF Ratio	11.52
P/OCF Ratio	10.19
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	5.53
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)	1.91%
Revenue Per Employee	117,232
Profits Per Employee	37,184
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 decreased by -10.95% in the last 52 weeks. The beta is -0.26, so ZSE:KBZ's price volatility has been lower than the market average.

Beta (5Y)	-0.26
52-Week Price Change	-10.95%
50-Day Moving Average	36.94
200-Day Moving Average	25.99
Relative Strength Index (RSI)	48.93
Average Volume (20 Days)	95

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 22.27 million and earned 7.07 million in profits. Earnings per share was 3.65.

Revenue	22.27M
Gross Profit	22.27M
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 126.53 million in cash and 33.34 million in debt, with a net cash position of 93.19 million or 48.09 per share.

Cash & Cash Equivalents	126.53M
Total Debt	33.34M
Net Cash	93.19M
Net Cash Per Share	48.09
Equity (Book Value)	72.87M
Book Value Per Share	37.60
Working Capital	-406.05M

Cash Flow

In the last 12 months, operating cash flow was 6.81 million and capital expenditures -783,000, giving a free cash flow of 6.02 million.

Operating Cash Flow	6.81M
Capital Expenditures	-783,000
Depreciation & Amortization	n/a
Net Borrowing	-73.52M
Free Cash Flow	6.02M
FCF Per Share	3.11

Margins

Gross Margin	n/a
Operating Margin	38.35%
Pretax Margin	38.35%
Profit Margin	31.72%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	27.04%

Dividends & Yields

This stock pays an annual dividend of 2.15, which amounts to a dividend yield of 6.01%.

Dividend Per Share	2.15
Dividend Yield	6.01%
Dividend Growth (YoY)	1.20%
Years of Dividend Growth	7
Payout Ratio	58.98%
Buyback Yield	n/a
Shareholder Yield	6.01%
Earnings Yield	10.18%
FCF Yield	8.68%

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	3