Companies ›Financials ›SNBA.ZA

SNBA.ZA — — Banks

Slatinska Banka D.D.

$18,80

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Mcap

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P/E

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EV / Rev

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Div yield

3,43 %

Op margin

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ROE

47,9 %

Net margin

157,3 %

Debt / equity

0,11

Beta

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52w range

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Volume

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Day range

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Open

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Next earnings

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Ex-dividend

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TR 1Y

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About

Standard Bank Limited (SNBA.ZA) is a South African commercial bank that provides a range of financial services, including retail banking, corporate banking, and investment services.

Business. SNBA.ZA is a bank operating within the Financials sector, specifically in the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not available in the provided data. Consequently, the business is described at the industry level without geographic or segment-specific breakdowns.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

Generated · model-assisted

Sell-side consensus

—consensus pending

— buy— hold— sell

Avg 12m price target—

Upcoming events

— missing data

See all catalysts →

At a glance

Score

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not yet scored

Valuation

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valuation pending

Analysts

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not yet wired

Ownership

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not yet wired

Profitability→

47,9 %

return on equity

Quality

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not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning SNBA.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to SNBA.ZA. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

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

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

SNBA.ZA is a bank operating within the Financials sector, specifically in the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not available in the provided data. Consequently, the business is described at the industry level without geographic or segment-specific breakdowns.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

AI synthesis

GENERATED

SNBA.ZA maintains a relatively strong liquidity position, with a debt-to-equity ratio of 0.11, indicating that the company is not heavily leveraged. However, the company reported negative operating cash flow of EUR -5,847,700, which may signal short-term liquidity challenges. The free cash flow of EUR 10,615,330 suggests that the company is generating sufficient cash to support operations and potentially fund growth initiatives.

In terms of profitability, SNBA.ZA's return on equity (ROE) of 0.4795 is significantly higher than the industry median, indicating strong returns for shareholders. The return on assets (ROA) of 0.0394 is also above the industry average, suggesting efficient use of assets to generate profit. These metrics highlight the company's strong performance relative to its peers.

SNBA.ZA's revenue is primarily concentrated in South Africa, with limited geographic diversification. The company's exposure to the South African market may increase its vulnerability to local economic conditions and regulatory changes. The lack of detailed segment data makes it difficult to assess the contribution of different business lines to overall performance.

The company's revenue growth has been modest, with no significant changes reported in the most recent financial period. Looking ahead, the outlook for the current fiscal year is stable, with no major growth drivers identified. The absence of capital expenditure and the negative operating cash flow suggest that the company is not currently investing heavily in expansion or new projects.

The risk assessment for SNBA.ZA indicates a medium liquidity risk and a low dilution risk. The company's negative net cash position after subtracting total debt is a key flag, suggesting potential liquidity constraints. However, the low dilution risk implies that the company is not expected to issue additional shares in the near term, which is favorable for existing shareholders.

Recent events, including regulatory filings and earnings transcripts, have not revealed any significant developments that would impact the company's financial position or strategic direction. The company continues to operate within the expected parameters of the banking industry.

Key takeaways

SNBA.ZA has a strong return on equity and return on assets, indicating efficient use of capital and assets.
The company's liquidity position is relatively strong, but the negative operating cash flow may pose short-term challenges.
Revenue is concentrated in South Africa, increasing exposure to local economic and regulatory risks.
The company is not currently investing heavily in expansion or new projects, as indicated by the absence of capital expenditure.
The risk assessment indicates a medium liquidity risk and a low dilution risk, which is favorable for existing shareholders.

Bull / Bear case

Generated · model-assisted

— missing data

In focus — financials by report

Valuation

Market price

$18,80

Market cap

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Enterprise valueⓘ

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P/Eⓘ

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Non-GAAP P/Eⓘ

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EV / Revenueⓘ

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EV / Op incomeⓘ

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EV / OCFⓘ

—

P / Bⓘ

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P / Tangible bookⓘ

—

Tangible book

$50.4M

Net cashⓘ

-$5.6M

Current ratioⓘ

—

Debt / equityⓘ

0.1

ROAⓘ

3.9%

ROEⓘ

47.9%

Cash conversionⓘ

-24.0%

CapEx / revenueⓘ

-98.4%

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

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Supply chain

— missing data

Peer comparison

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Market position

Stress test

— missing data

Predictor forecast

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

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Estimate revisions

consensus EPS · 26-week trend

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Sell-side observations

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Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskMedium

Filing-based flags

Net cash is negative after subtracting total debt.

Benchmarks vs cohort

Net Margin157,3 %Best in class

ROE47,9 %Best in class

Capex / Rev-98,4 %Bottom quartile

D/E0,11Above median

Cash Conv-0,24Bottom quartile

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Capex To Revenue
capital_expenditure / revenue
Return On Equity
net_income / total_equity
Debt To Equity
(short_term_debt + long_term_debt) / total_equity
Cash Conversion Ratio
operating_cash_flow / net_income

Source documents

SNBA.ZA Market data — financials · 2026-05-29

Ownership & reference

Leadership

Marko BrnicMember of the Management Board

Insider activity

— missing data

Short positioning

— missing data

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

SNBA.ZACanonical

— · USD

Intel & risk

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskMedium

Net cash is negative after subtracting total debt.

Relationship graph

This companyPeerSector

Evidence & claims

From filings & derived data

— missing data

The Thread

Everything we know, in order

— missing data

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Leadership

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread