Patria Bank SA

Patria Bank SA has a debt-to-equity ratio of 1.11, indicating a moderate reliance on debt financing relative to equity. 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 15,991,000 RON provides some flexibility for operational needs or shareholder returns, though the operating cash flow of -3,311,000 RON indicates ongoing operational cash outflows.

The bank's profitability is modest, with a return on equity (ROE) of 2.65% and a return on assets (ROA) of 0.24%. These figures are below the typical performance benchmarks for the banking industry, suggesting that the company is underperforming relative to its peers in terms of capital efficiency and asset utilization.

Geographic and segment exposure data is not available in the provided dataset, but the bank's revenue concentration is not disclosed, making it difficult to assess the risk profile associated with specific markets or product lines. The absence of detailed segment reporting limits the ability to evaluate the performance of different business units or geographic regions.

The company's growth trajectory is not clearly defined in the available data, as no specific revenue growth rates or future projections are provided. However, the current financial performance suggests a need for strategic improvements to enhance profitability and operational efficiency.

Risk factors include a medium liquidity risk and a low dilution risk. The negative net cash position after subtracting total debt is a key flag, indicating potential challenges in meeting short-term obligations. No significant dilution sources are identified, and the company's capital structure appears stable in the near term.

Recent events, including filings and transcripts, are not detailed in the provided data, limiting the ability to assess the company's recent strategic or operational developments.

Net income surged 34.9% year-over-year to 51.5 million RON, demonstrating strong profitability growth.

Revenue grew 13.5% year-over-year to 197.3 million RON, indicating robust top-line expansion.

Free cash flow increased 23.7% to 76.1 million RON, highlighting improved cash generation capabilities.

Total assets expanded 17.9% year-over-year to 5.44 billion RON, reflecting significant balance sheet growth.

Analysts assign a buy recommendation with a mean price target implying 2,562% upside potential.

Return on equity of 2.65% falls in the bottom quartile of the banking cohort.

Debt-to-equity ratio of 1.11 significantly exceeds the cohort median of 0.28.

Cash conversion ratio of -0.31 ranks in the bottom quartile among peer banks.

The company faces medium liquidity risk, potentially impacting short-term financial flexibility.

Revenue RON 173.8M, +20,2% YoY; Net income +49,8% YoY.

• ▍Revenue RON 173.8M, +20,2% YoY
• ▍Net income +49,8% YoY
• ▍Free cash flow +32,5% YoY
• ▍Net margin 22.0%

Revenue RON 144.6M, −3,4% YoY; Net income +32,5% YoY.

• ▍Revenue RON 144.6M, −3,4% YoY
• ▍Net income +32,5% YoY
• ▍Free cash flow +22,0% YoY
• ▍Net margin 17.6%

Revenue RON 149.7M, +20,3% YoY; Net income +94,5% YoY.

• ▍Revenue RON 149.7M, +20,3% YoY
• ▍Net income +94,5% YoY
• ▍Free cash flow +51,1% YoY
• ▍Net margin 12.8%

Revenue RON 124.5M; Net margin 7.9%.

• ▍Revenue RON 124.5M
• ▍Net margin 7.9%