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.
The historical rank and industry rank for Pavlovic International Bank a.d's EV-to-OCF or its related term are showing as below:
XBLB:PIBB-R-D'
s EV-to-OCF Range Over the Past 10 Years
Min: -7.48 Med: -2.32 Max: 11.91
Current: -2.78
During the past 13 years, the highest EV-to-OCF of Pavlovic International Bank a.d was 11.91. The lowest was -7.48. And the median was -2.32.
XBLB:PIBB-R-D's EV-to-OCF is not ranked
in the Banks industry.
Industry Median: 3.76
vs XBLB:PIBB-R-D: -2.78
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pavlovic International Bank a.d (XBLB:PIBB-R-D) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pavlovic International Bank a.d's PE Ratio (TTM) for today is calculated as:
Pavlovic International Bank a.d's share price for today is BAM0.80.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pavlovic International Bank a.d's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was BAM0.064.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pavlovic International Bank a.d EV-to-OCF Related Terms
Pavlovic International Bank a.d EV-to-OCF Historical Data
* 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.
XBLB:PIBB-R-D vs BKESF, TCNB: EV-to-OCF Comparison
For the Banks - Regional subindustry, Pavlovic International Bank a.d's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Pavlovic International Bank a.d's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Pavlovic International Bank a.d's EV-to-OCF falls into.
Pavlovic International Bank a.d's current Enterprise Value is BAM-68.14 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pavlovic International Bank a.d's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was BAM24.49 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.
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a EV-to-OCF of -2.78 as of Jul. 15, 2026.
Is Pavlovic International Bank a.d's EV-to-OCF too high?
Pavlovic International Bank a.d's current EV-to-OCF is -2.78. 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 EV-to-OCF compare to BKESF and TCNB?
Pavlovic International Bank a.d's EV-to-OCF of -2.78 can be compared against companies in the Banks industry. The industry median EV-to-OCF is 3.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.76, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pavlovic International Bank a.d's current EV-to-OCF is -2.78. 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 EV-to-OCF of -2.78. The current EV-to-OCF is -2.78. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Pavlovic International Bank a.d (XBLB:PIBB-R-D), the current EV-to-OCF is -2.78 as of Jul. 15, 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
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
Get the complete analysis for XBLB:PIBB-R-D
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XBLB:PIBB-R-D has been successfully added to your 
