Addiko Bank a.d. Banja Luka
KRLB.BJ operates as a bank, providing financial services to customers and generating revenue primarily through interest income and fee-based services.
Business. KRLB.BJ is a bank operating within the Banking & Investment Services industry, primarily generating revenue through interest income. The company is listed under the ticker KRLB.BJ. Specific details regarding its operating segments, headquarters location, and geographic presence are not available in the provided data.
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
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Composite-score breakdown
Synthesis
KRLB.BJ is a bank operating within the Banking & Investment Services industry, primarily generating revenue through interest income. The company is listed under the ticker KRLB.BJ. Specific details regarding its operating segments, headquarters location, and geographic presence are not available in the provided data.
KRLB.BJ maintains a debt-to-equity ratio of 0.24, indicating a relatively conservative capital structure with limited leverage. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt, suggesting potential short-term liquidity constraints. Free cash flow of 6.97 million supports operational flexibility, though operating cash flow is negative at -52.87 million, signaling pressure on cash generation from core operations.
Profitability metrics show a return on equity (ROE) of 13.06%, which is strong relative to the industry median of 10.5% for banks, but a return on assets (ROA) of 2.37% lags behind the median of 3.2%. This suggests that while the company is effectively utilizing equity, asset efficiency is a concern. Net income of 26.87 million on revenue of 457.15 million yields a net margin of 5.88%, which is below the industry median of 7.1%.
Geographic and segment exposure is not disclosed in the available data, but the company's revenue concentration is not specified. Given the lack of segment-level data, it is unclear whether the company is diversified across product lines or geographic regions.
Growth trajectory is not explicitly outlined in the data, but the company's capital expenditure of -2.6 million suggests a focus on cost control rather than expansion. The absence of revenue growth data from the current and prior periods makes it difficult to assess forward-looking momentum.
Risk factors include a medium liquidity risk due to negative net cash and a low dilution risk, with no near-term pressure from share issuance. The company has not disclosed any dilutive events in recent filings, and the dilution potential remains low.
Recent events include the latest financial filing (market data), which provides the most recent snapshot of the company's financial position. No recent earnings call transcripts or material regulatory filings are available in the dataset to provide additional context on management's strategic direction.
- KRLB.BJ has a strong ROE of 13.06% but underperforms in ROA and net margin relative to industry medians.
- The company's liquidity position is medium, with a negative net cash position after debt.
- Capital expenditures are minimal, indicating a focus on cost control rather than growth.
- No material dilution risk is currently present, and no recent events suggest strategic shifts.
- The lack of segment and geographic data limits visibility into diversification and exposure.
Bull / Bear case
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consensus EPS · 26-week trendSell-side observations
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- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- KRLB.BJ Market data — financials · 2026-05-28