Zagrebacka banka d.d., together with its subsidiaries, provides financial and banking services primarily in the Republic of Croatia, and Bosnia and Herzegovina.
No risks detected for ZABA from our risk checks.
Share Price & News
How has Zagrebacka banka d.d's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ZABA is less volatile than 75% of HR stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: ZABA's weekly volatility (2%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: ZABA matched the HR Banks industry which returned 19.7% over the past year.
Return vs Market: ZABA exceeded the HR Market which returned 15.1% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Zagrebacka banka d.d's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 months ago | Simply Wall StDid You Participate In Any Of Zagrebacka banka d.d's (ZGSE:ZABA) Respectable 79% Return?
7 months ago | Simply Wall StDoes It Make Sense To Buy Zagrebacka banka d.d. (ZGSE:ZABA) For Its Yield?
Zagrebacka banka d.d Fundamentals Summary
|ZABA fundamental statistics|
Is ZABA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ZABA income statement (TTM)|
|Cost of Revenue||Kn0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||3.27|
|Net Profit Margin||25.79%|
How did ZABA perform over the long term?See historical performance and comparison
Is Zagrebacka banka d.d undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ZABA (HRK62) is trading below our estimate of fair value (HRK74.68)
Significantly Below Fair Value: ZABA is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: ZABA is poor value based on its PE Ratio (19x) compared to the HR Banks industry average (10.7x).
PE vs Market: ZABA is poor value based on its PE Ratio (19x) compared to the HR market (14.7x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ZABA's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ZABA is overvalued based on its PB Ratio (1x) compared to the HR Banks industry average (0.5x).
How is Zagrebacka banka d.d forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Zagrebacka banka d.d has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Zagrebacka banka d.d performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ZABA has high quality earnings.
Growing Profit Margin: ZABA's current net profit margins (25.8%) are lower than last year (26.7%).
Past Earnings Growth Analysis
Earnings Trend: ZABA's earnings have grown by 1.2% per year over the past 5 years.
Accelerating Growth: ZABA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: ZABA had negative earnings growth (-17.6%) over the past year, making it difficult to compare to the Banks industry average (14.3%).
Return on Equity
High ROE: ZABA's Return on Equity (5.1%) is considered low.
How is Zagrebacka banka d.d's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: ZABA's Assets to Equity ratio (7.4x) is low.
Allowance for Bad Loans: ZABA has a low allowance for bad loans (89%).
Low Risk Liabilities: 97% of ZABA's liabilities are made up of primarily low risk sources of funding.
Loan Level: ZABA has an appropriate level of Loans to Assets ratio (64%).
Low Risk Deposits: ZABA's Loans to Deposits ratio (77%) is appropriate.
Level of Bad Loans: ZABA has a high level of bad loans (5.7%).
What is Zagrebacka banka d.d current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ZABA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ZABA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ZABA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ZABA's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: ZABA is not paying a notable dividend for the HR market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ZABA's dividend in 3 years as they are not forecast to pay a notable one for the HR market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ivan Vlaho (48 yo)
Mr. Ivan Vlaho is Chairman of the Supervisory Board at UniCredit Jelzálogbank Zrt. since 2020. He had been Deputy Chief Executive Officer and Vice Chairman of the Management Board at UniCredit Bank Hungary...
Experienced Management: ZABA's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.
Experienced Board: ZABA's board of directors are considered experienced (3.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Zagrebacka banka d.d.'s company bio, employee growth, exchange listings and data sources
- Name: Zagrebacka banka d.d.
- Ticker: ZABA
- Exchange: ZGSE
- Founded: 1914
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: Kn19.852b
- Shares outstanding: 320.20m
- Website: https://www.zaba.hr
Number of Employees
- Zagrebacka banka d.d.
- Trg bana Josipa Jelacica 10
Zagrebacka banka d.d., together with its subsidiaries, provides financial and banking services primarily in the Republic of Croatia, and Bosnia and Herzegovina. The company operates through four segments:...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/16 05:13|
|End of Day Share Price||2021/09/15 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.