Atos Bank a.d. (XBLB:ZPKB-R-A) Debt-to-Equity: 0.49 (As of Dec. 2025)


What is Atos Bank a.d. Debt-to-Equity?

Atos Bank a.d. XBLB:ZPKB-R-A Debt-to-Equity is 0.49 as of Dec. 2025.

Atos Bank a.d.'s Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was BAM0.00 Mil. Atos Bank a.d.'s Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was BAM104.16 Mil. Atos Bank a.d.'s Total Stockholders Equity for the quarter that ended in Dec. 2025 was BAM211.98 Mil. Atos Bank a.d.'s debt to equity for the quarter that ended in Dec. 2025 was 0.49.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Atos Bank a.d.'s Debt-to-Equity or its related term are showing as below:

XBLB:ZPKB-R-A's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.56
* Ranked among companies with meaningful Debt-to-Equity only.

Atos Bank a.d.  (XBLB:ZPKB-R-A) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Atos Bank a.d. Debt-to-Equity Related Terms

Atos Bank a.d. Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for Atos Bank a.d.'s Debt-to-Equity 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.

Atos Bank a.d. Debt-to-Equity Chart

Atos Bank a.d. Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.45 0.45 0.57 0.54 0.49

Atos Bank a.d. Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Debt-to-Equity 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 0.57 0.56 0.54 0.50 0.49

XBLB:ZPKB-R-A vs LCHTF: Debt-to-Equity Comparison

For the Banks - Regional subindustry, Atos Bank a.d.'s Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.

Atos Bank a.d. Debt-to-Equity vs Banks Industry

For the Banks industry and Financial Services sector, Atos Bank a.d.'s Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Atos Bank a.d.'s Debt-to-Equity falls into.


Atos Bank a.d. Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Atos Bank a.d.'s Debt to Equity Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 104.16) / 211.976
=0.49

Atos Bank a.d.'s Debt to Equity Ratio for the quarter that ended in Dec. 2025 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 104.16) / 211.976
=0.49

* 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.

Frequently Asked Questions Learn more about Debt-to-Equity →
What does a Debt-to-Equity of 0.49 mean?
Atos Bank a.d. (XBLB:ZPKB-R-A) has a Debt-to-Equity of 0.49 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Atos Bank a.d. and its competitors.
Is Atos Bank a.d.'s Debt-to-Equity too high?
Atos Bank a.d.'s current Debt-to-Equity is 0.49. The Banks industry median Debt-to-Equity is 0.56. Atos Bank a.d.'s value of 0.49 is 12.5% below this industry median.
How does Atos Bank a.d.'s Debt-to-Equity compare to LCHTF?
Atos Bank a.d.'s Debt-to-Equity of 0.49 can be compared against companies in the Banks industry. The industry median Debt-to-Equity is 0.56. Atos Bank a.d.'s value of 0.49 is 12.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,424 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atos Bank a.d.'s current Debt-to-Equity of 0.49 is 12.5% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Atos Bank a.d. and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atos Bank a.d.'s current Debt-to-Equity is 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Atos Bank a.d. stock overvalued right now?
Atos Bank a.d. (XBLB:ZPKB-R-A) has a current Debt-to-Equity of 0.49. The current Debt-to-Equity is 0.49 and 12.5% below the Banks industry median of 0.56. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Atos Bank a.d. (XBLB:ZPKB-R-A), the current Debt-to-Equity is 0.49 as of Dec. 2025. 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.

Atos Bank a.d. Business Description

Address Jevrejska 71 Street, Banja Luka, BIH, 78000
Atos Bank a.d. operates in the finance and banking sector. It offers various banking services including accounts and payments, package accounts, savings, and cards. The bank also offers online banking, mobile banking, and automated teller machine (ATM) services.