Podravska banka d.d. (ZSE:PDBA)

Podravska banka d.d. Statistics

Total Valuation

ZSE:PDBA has a market cap or net worth of EUR 49.24 million.

Market Cap	49.24M
Enterprise Value	n/a

Important Dates

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

Earnings Date	Feb 27, 2026
Ex-Dividend Date	May 16, 2025

Share Statistics

ZSE:PDBA has 665,425 shares outstanding.

Current Share Class	665,425
Shares Outstanding	665,425
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	64.93%
Owned by Institutions (%)	9.65%
Float	169,605

Valuation Ratios

The trailing PE ratio is 5.31.

PE Ratio	5.31
Forward PE	n/a
PS Ratio	1.98
PB Ratio	0.68
P/TBV Ratio	0.77
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	-0.47
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.44%.

Return on Equity (ROE)	12.44%
Return on Assets (ROA)	1.24%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.81%
Revenue Per Employee	117,088
Profits Per Employee	-11,657
Employee Count	212
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-921,718
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -17.78% in the last 52 weeks. The beta is 0.14, so ZSE:PDBA's price volatility has been lower than the market average.

Beta (5Y)	0.14
52-Week Price Change	-17.78%
50-Day Moving Average	84.68
200-Day Moving Average	80.19
Relative Strength Index (RSI)	33.66
Average Volume (20 Days)	59

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:PDBA had revenue of EUR 24.82 million and -2.47 million in losses. Loss per share was -3.71.

Revenue	24.82M
Gross Profit	24.82M
Operating Income	8.42M
Pretax Income	8.35M
Net Income	-2.47M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-3.71

Balance Sheet

The company has 27.29 million in cash and 15.43 million in debt, with a net cash position of 11.86 million or 17.83 per share.

Cash & Cash Equivalents	27.29M
Total Debt	15.43M
Net Cash	11.86M
Net Cash Per Share	17.83
Equity (Book Value)	71.91M
Book Value Per Share	108.06
Working Capital	-418.47M

Cash Flow

In the last 12 months, operating cash flow was -31.38 million and capital expenditures -1.71 million, giving a free cash flow of -33.09 million.

Operating Cash Flow	-31.38M
Capital Expenditures	-1.71M
Depreciation & Amortization	n/a
Net Borrowing	-36.33M
Free Cash Flow	-33.09M
FCF Per Share	-49.73

Margins

Gross Margin	n/a
Operating Margin	33.92%
Pretax Margin	33.65%
Profit Margin	-9.96%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 5.00, which amounts to a dividend yield of 6.76%.

Dividend Per Share	5.00
Dividend Yield	6.76%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	6.76%
Earnings Yield	-5.02%
FCF Yield	-67.20%

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	1