Podravska banka d.d. (ZSE:PDBA)

Podravska banka d.d. Statistics

Total Valuation

ZSE:PDBA has a market cap or net worth of EUR 56.56 million.

Market Cap	56.56M
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, October 29, 2025.

Earnings Date	Oct 29, 2025
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 8.07.

PE Ratio	8.07
Forward PE	n/a
PS Ratio	2.35
PB Ratio	0.71
P/TBV Ratio	0.79
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	-4.26
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.09%.

Return on Equity (ROE)	9.09%
Return on Assets (ROA)	1.00%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	112,296
Profits Per Employee	32,730
Employee Count	223
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:PDBA has paid 1.86 million in taxes.

Income Tax	1.86M
Effective Tax Rate	20.93%

Stock Price Statistics

Beta (5Y)	0.07
52-Week Price Change	n/a
50-Day Moving Average	94.33
200-Day Moving Average	72.09
Relative Strength Index (RSI)	44.53
Average Volume (20 Days)	20

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 24.03 million and earned 7.00 million in profits. Earnings per share was 10.53.

Revenue	24.03M
Gross Profit	24.03M
Operating Income	8.83M
Pretax Income	8.87M
Net Income	7.00M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	10.53

Balance Sheet

The company has 20.36 million in cash and 15.45 million in debt, giving a net cash position of 4.91 million or 7.38 per share.

Cash & Cash Equivalents	20.36M
Total Debt	15.45M
Net Cash	4.91M
Net Cash Per Share	7.38
Equity (Book Value)	79.36M
Book Value Per Share	119.26
Working Capital	-407.99M

Cash Flow

In the last 12 months, operating cash flow was -3.72 million and capital expenditures 100,088, giving a free cash flow of -3.62 million.

Operating Cash Flow	-3.72M
Capital Expenditures	100,088
Free Cash Flow	-3.62M
FCF Per Share	-5.45

Margins

Gross Margin	n/a
Operating Margin	36.76%
Pretax Margin	36.90%
Profit Margin	29.15%
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 5.88%.

Dividend Per Share	5.00
Dividend Yield	5.88%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	6.13%
Earnings Yield	12.38%
FCF Yield	-6.41%

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