Pavlovic International Bank a.d (XBLB:PIBB-R-D) Equity-to-Asset: 0.10 (As of Dec. 2025) — Near 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 Equity-to-Asset?

Pavlovic International Bank a.d XBLB:PIBB-R-D 2 Equity-to-Asset is 0.10 as of Dec. 2025, which is at its 10-year median of 0.10. GuruFocus rates XBLB:PIBB-R-D with a GF Score™ of 2/100. The stock has 4 warning signs investors should review.

Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Pavlovic International Bank a.d's Total Stockholders Equity for the quarter that ended in Dec. 2025 was BAM39.86 Mil. Pavlovic International Bank a.d's Total Assets for the quarter that ended in Dec. 2025 was BAM418.45 Mil. Therefore, Pavlovic International Bank a.d's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.10.

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

XBLB:PIBB-R-D' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09   Med: 0.1   Max: 0.19
Current: 0.1

During the past 13 years, the highest Equity to Asset Ratio of Pavlovic International Bank a.d was 0.19. The lowest was 0.09. And the median was 0.10.

XBLB:PIBB-R-D's Equity-to-Asset is not ranked
in the Banks industry.
Industry Median: 0.1 vs XBLB:PIBB-R-D: 0.10

Pavlovic International Bank a.d  (XBLB:PIBB-R-D) Equity-to-Asset Explanation

Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.

For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.


Pavlovic International Bank a.d Equity-to-Asset Related Terms


Pavlovic International Bank a.d Equity-to-Asset Historical Data

* Premium members only.

The historical data trend for Pavlovic International Bank a.d's Equity-to-Asset 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 Equity-to-Asset Chart

Pavlovic International Bank a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Equity-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.09 0.09 0.09 0.11 0.10

Pavlovic International Bank a.d Semi-Annual Data
Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Equity-to-Asset 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 0.09 0.09 0.11 0.10 0.10

XBLB:PIBB-R-D vs BKESF, TCNB: Equity-to-Asset Comparison

For the Banks - Regional subindustry, Pavlovic International Bank a.d's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry

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

* The bar in red indicates where Pavlovic International Bank a.d's Equity-to-Asset falls into.


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

Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.

Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.

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

Equity to Asset (A: Dec. 2025 )=Total Stockholders Equity/Total Assets
=39.862/418.454
=0.10

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

Equity to Asset (Q: Dec. 2025 )=Total Stockholders Equity/Total Assets
=39.862/418.454
=0.10

* 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 Equity-to-Asset →
What does a Equity-to-Asset of 0.10 mean?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a Equity-to-Asset of 0.10 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pavlovic International Bank a.d and its competitors. This is near median its historical median of 0.10. Over the past decade, Pavlovic International Bank a.d's Equity-to-Asset has ranged from 0.09 to 0.19.
Is Pavlovic International Bank a.d's Equity-to-Asset too high?
Pavlovic International Bank a.d's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.19. The Banks industry median Equity-to-Asset is 0.10. Pavlovic International Bank a.d's value of 0.10 is 0% at 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 Equity-to-Asset compare to BKESF and TCNB?
Pavlovic International Bank a.d's Equity-to-Asset of 0.10 can be compared against companies in the Banks industry. The industry median Equity-to-Asset is 0.10. Pavlovic International Bank a.d's value of 0.10 is 0% at this benchmark. Historically, Pavlovic International Bank a.d's own Equity-to-Asset has ranged from 0.09 to 0.19 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Pavlovic International Bank a.d has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pavlovic International Bank a.d's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pavlovic International Bank a.d and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pavlovic International Bank a.d's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.10. 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 Equity-to-Asset of 0.10. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.10 and 0% at the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Pavlovic International Bank a.d (XBLB:PIBB-R-D), the current Equity-to-Asset is 0.10 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.

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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Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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