NLB Banka ad Banja Luka
NLB Banka ad Banja Luka is a commercial bank operating in the financial services sector, generating revenue primarily through interest income from loans and fees from banking services.
Business. NLB Banka ad Banja Luka is a bank headquartered in Banja Luka that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. It is listed under the ticker symbol VBBB.BJ. Specific details regarding operating segments and geographic breakdowns are not available.
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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
Signals & dispatch
Composite-score breakdown
Synthesis
NLB Banka ad Banja Luka is a bank headquartered in Banja Luka that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. It is listed under the ticker symbol VBBB.BJ. Specific details regarding operating segments and geographic breakdowns are not available.
NLB Banka ad Banja Luka maintains a liquidity position that is in line with the industry median, with a debt-to-equity ratio of 0.68, indicating a moderate reliance on debt financing. The company's free cash flow of 46.89 million supports its operational flexibility, though its capital expenditure of -14.56 million suggests a net outflow in capital investments.
The bank's profitability is reflected in a return on equity of 18.03%, which is strong compared to the industry median, while its return on assets of 2.19% is in line with the sector average. These metrics suggest that the company is effectively utilizing its equity base but has room for improvement in asset utilization.
Geographically, the company's revenue is concentrated in its domestic market, with no disclosed international segments. This concentration may expose the company to regional economic fluctuations, though the input data does not provide further details on geographic diversification.
The company's growth trajectory is supported by a net income of 57.35 million and a revenue of 78.14 million. While the outlook for the current fiscal year is stable, the data does not provide specific numeric projections for the next fiscal year.
The risk assessment indicates a medium liquidity risk, with a key flag noting that net cash is negative after subtracting total debt. The dilution risk is assessed as low, with no immediate pressure for equity issuance. The company's capital structure and liquidity position suggest a balanced approach to risk management.
Recent events and filings have not been disclosed in the input data, so no specific recent developments can be cited at this time.
- NLB Banka ad Banja Luka has a strong return on equity of 18.03%, indicating effective use of equity capital.
- The company's liquidity position is moderate, with a debt-to-equity ratio of 0.68 and a free cash flow of 46.89 million.
- The bank's profitability is supported by a net income of 57.35 million and a revenue of 78.14 million.
- The company's risk profile is characterized by a medium liquidity risk and a low dilution risk.
- The company's geographic exposure is concentrated in its domestic market, with no disclosed international segments.
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- Net cash is negative after subtracting total debt.
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- NLB Banka ad Banja Luka Market data — financials · 2026-05-29
Ownership & reference
Leadership
- Aleksandar KremenovicChairman of the Supervisory Board