Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Komercijalna Banka AD Skopje's quarterly net loan
declined
from Sep. 2025 (MKD84,192 Mil) to Dec. 2025 (MKD80,992 Mil) but then
increased
from Dec. 2025 (MKD80,992 Mil) to Jun. 2026 (MKD90,475 Mil).
Komercijalna Banka AD Skopje's annual net loan
increased
from Dec. 2023 (MKD60,207 Mil) to Dec. 2024 (MKD80,992 Mil) and
increased
from Dec. 2024 (MKD80,992 Mil) to Dec. 2025 (MKD90,475 Mil).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.
Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved
Komercijalna Banka AD Skopje (XMAE:KMB) has a Net Loan of MKD90,475 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Komercijalna Banka AD Skopje and its competitors.
Is Komercijalna Banka AD Skopje's Net Loan too high?
Komercijalna Banka AD Skopje's current Net Loan is MKD90,475 Mil. Overall, Komercijalna Banka AD Skopje has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Komercijalna Banka AD Skopje's Net Loan compare to PNC and USB?
Komercijalna Banka AD Skopje's Net Loan of MKD90,475 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Komercijalna Banka AD Skopje and its competitors. Komercijalna Banka AD Skopje's current Net Loan is MKD90,475 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercijalna Banka AD Skopje stock overvalued right now?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje (XMAE:KMB) is currently considered Modestly Undervalued. The stock's GF Value™ is MKD29,690.48, compared to a current price of MKD26,299.00 — trading 11.4% below its estimated fair value. The current Net Loan is MKD90,475 Mil. Komercijalna Banka AD Skopje's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Komercijalna Banka AD Skopje (XMAE:KMB), the current Net Loan is MKD90,475 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Komercijalna Banka AD Skopje (XMAE:KMB) Overvalued in 2026?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje stock appears to be undervalued.
The current stock price of MKD26,299.00 is trading 11.4% below its estimated GF Value™ of MKD29,690.48.
GuruFocus considers Komercijalna Banka AD Skopje to be Modestly Undervalued.
Key valuation signals for XMAE:KMB:
Net Loan: MKD90,475 Mil
GF Value™: MKD29,690.48 vs. price of MKD26,299.00 (11.4% below fair value)
No single metric tells the full story. See the XMAE:KMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercijalna Banka AD Skopje is a commercial bank. The principal activities of the bank are - collecting deposits, placing loans and advances domestically and abroad, factoring and financing commercial transactions, foreign exchange operations, fast money transfer, trading with foreign currencies, trading with securities, services of a bank-custodian of investment and pension funds, intermediating in selling insurance policies, data collection and analysis of company's credit rating, and many others. It operates in the Republic of Macedonia, Europe, and other EU member countries.
65GF Score
Get the complete analysis for XMAE:KMB
Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XMAE:KMB has been successfully added to your 
