Pavlovic International Bank a.d (XBLB:PIBB-R-D) Capex-to-Operating-Cash-Flow: 0.05 (As of Jun. 2026) — 67% Above Median

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XBLB:PIBB-R-D Pavlovic International Bank a.d XBLB:PIBB-R-D
2 GF Score
Price BAM0.80
! 4 Warning Signs
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What is Pavlovic International Bank a.d Capex-to-Operating-Cash-Flow?

Pavlovic International Bank a.d XBLB:PIBB-R-D 2 Capex-to-Operating-Cash-Flow is 0.05 as of Jun. 2026, which is 67% above its 10-year median of 0.03. GuruFocus rates XBLB:PIBB-R-D with a GF Score™ of 2/100. The stock has 4 warning signs investors should review.

Capex-to-Operating-Cash-Flow assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. It’s also useful to distinguish whether the company is capital intensive or not.

Pavlovic International Bank a.d's Capital Expenditure for the six months ended in Jun. 2026 was BAM-2.84 Mil. Its Cash Flow from Operations for the six months ended in Jun. 2026 was BAM61.60 Mil.

Hence, Pavlovic International Bank a.d's Capex-to-Operating-Cash-Flow for the six months ended in Jun. 2026 was 0.05.


Pavlovic International Bank a.d  (XBLB:PIBB-R-D) Capex-to-Operating-Cash-Flow Explanation

Capex-to-Operating-Cash-Flow ratio assesses how much of a company’s Cash Flow from Operations is being devoted to Capital Expenditure. It is a good indicator in terms of how much the company is focused on growth. In general, a high Capex-to-Operating-Cash-Flow ratio indicates that the company is investing more in physical assets and is focused on growth and expansion. Conversely, lower ratio could indicate that a company has reached maturity and is no longer pursuing aggressive growth.

Moreover, the ratio is also useful to distinguish whether the company is capital intensive or not. If the ratio is large, then the company tends to be capital intensive. Lower ratio suggests that it’s a capital-light business. The ratio can be combined with ROIC % to identify whether the company is an asset-light business that has a high return on invested capital. This is one question investors commonly ask to see if a company qualifies as a good company.


Pavlovic International Bank a.d Capex-to-Operating-Cash-Flow Related Terms


Pavlovic International Bank a.d Capex-to-Operating-Cash-Flow Historical Data

* Premium members only.

The historical data trend for Pavlovic International Bank a.d's Capex-to-Operating-Cash-Flow can be seen below:

* 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.

Pavlovic International Bank a.d Capex-to-Operating-Cash-Flow Chart

Pavlovic International Bank a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Capex-to-Operating-Cash-Flow
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.05

Pavlovic International Bank a.d Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Capex-to-Operating-Cash-Flow Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.09 -0.02 0.05

XBLB:PIBB-R-D vs BKESF, TCNB: Capex-to-Operating-Cash-Flow Comparison

For the Banks - Regional subindustry, Pavlovic International Bank a.d's Capex-to-Operating-Cash-Flow, along with its competitors' market caps and Capex-to-Operating-Cash-Flow data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Pavlovic International Bank a.d Capex-to-Operating-Cash-Flow vs Banks Industry

For the Banks industry and Financial Services sector, Pavlovic International Bank a.d's Capex-to-Operating-Cash-Flow distribution charts can be found below:

* The bar in red indicates where Pavlovic International Bank a.d's Capex-to-Operating-Cash-Flow falls into.


XBLB:PIBB-R-D
2GF Score
Pavlovic International Bank a.d XBLB:PIBB-R-D
Capex-to-Operating-Cash-Flow is just one metric. See GF Score™, valuation, warning signs, and more.
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Pavlovic International Bank a.d Capex-to-Operating-Cash-Flow Calculation

Pavlovic International Bank a.d's Capex-to-Operating-Cash-Flow for the fiscal year that ended in Dec. 2025 is calculated as

Capex-to-Operating-Cash-Flow=- Capital Expenditure / Cash Flow from Operations
=- (-1.162) / 24.488
=0.05

Pavlovic International Bank a.d's Capex-to-Operating-Cash-Flow for the quarter that ended in Jun. 2026 is calculated as

Capex-to-Operating-Cash-Flow=- Capital Expenditure / Cash Flow from Operations
=- (-2.841) / 61.602
=0.05

* 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.

What does a Capex-to-Operating-Cash-Flow of 0.05 mean?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a Capex-to-Operating-Cash-Flow of 0.05 as of Jun. 2026. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on Pavlovic International Bank a.d and its competitors. This is 67% above median its historical median of 0.03.
Is Pavlovic International Bank a.d's Capex-to-Operating-Cash-Flow too high?
Pavlovic International Bank a.d's current Capex-to-Operating-Cash-Flow of 0.05 is 67% above median its 10-year median of 0.03. The Banks industry median Capex-to-Operating-Cash-Flow is 0.06. Pavlovic International Bank a.d's value of 0.05 is 16.7% below this industry median. Overall, Pavlovic International Bank a.d has a GF Score™ of 2/100, reflecting its overall financial health beyond just this single metric.
How does Pavlovic International Bank a.d's Capex-to-Operating-Cash-Flow compare to BKESF and TCNB?
Pavlovic International Bank a.d's Capex-to-Operating-Cash-Flow of 0.05 can be compared against companies in the Banks industry. The industry median Capex-to-Operating-Cash-Flow is 0.06. Pavlovic International Bank a.d's value of 0.05 is 16.7% below this benchmark. While the company's 10-year median is 0.03 vs. the industry median of 0.06, Pavlovic International Bank a.d has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Capex-to-Operating-Cash-Flow for a Banks company?
The median Capex-to-Operating-Cash-Flow among Banks companies is 0.06, based on 818 companies in the industry. Companies in the top quartile (top 25%) have a Capex-to-Operating-Cash-Flow significantly above this median, while those in the bottom quartile fall well below. However, Capex-to-Operating-Cash-Flow should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pavlovic International Bank a.d's current Capex-to-Operating-Cash-Flow of 0.05 is 16.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Capex-to-Operating-Cash-Flow mean?
A high Capex-to-Operating-Cash-Flow can signal that a stock is expensive relative to its fundamentals. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on Pavlovic International Bank a.d and its competitors. For the Banks industry, the median Capex-to-Operating-Cash-Flow is 0.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pavlovic International Bank a.d's current Capex-to-Operating-Cash-Flow is 0.05, which is 67% above median its own 10-year median of 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pavlovic International Bank a.d stock overvalued right now?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a current Capex-to-Operating-Cash-Flow of 0.05. The current Capex-to-Operating-Cash-Flow is 0.05, which is 67% above median its 10-year median of 0.03 and 16.7% below the Banks industry median of 0.06. Pavlovic International Bank a.d's overall GF Score™ is 2/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Capex-to-Operating-Cash-Flow calculated?
Capex-to-Operating-Cash-Flow is calculated from a company's financial statements. For Pavlovic International Bank a.d (XBLB:PIBB-R-D), the current Capex-to-Operating-Cash-Flow is 0.05 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.

Pavlovic International Bank a.d Business Description

Address Ivana Franje Jukiya 1, Bijelina, BIH, 78000
Pavlovic International Bank a.d provides banking services. It provides retail and corporate banking services including loans, overdrafts, consumer loans, housing loans, savings accounts, payment cards, short term loans, and other banking services.
2GF Score

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Capex-to-Operating-Cash-Flow is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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