Pavlovic International Bank a.d (XBLB:PIBB-R-D) EV-to-FCF: -2.92 (As of Jul. 15, 2026)

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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 EV-to-FCF?

Pavlovic International Bank a.d XBLB:PIBB-R-D 2 EV-to-FCF is -2.92 as of Jul. 15, 2026. GuruFocus rates XBLB:PIBB-R-D with a GF Score™ of 2/100. The stock has 4 warning signs investors should review.

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Pavlovic International Bank a.d's Enterprise Value is BAM-68.14 Mil. Pavlovic International Bank a.d's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was BAM23.33 Mil. Therefore, Pavlovic International Bank a.d's EV-to-FCF for today is -2.92.

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

XBLB:PIBB-R-D' s EV-to-FCF Range Over the Past 10 Years
Min: -7.68   Med: -2.44   Max: 5.47
Current: -2.92

During the past 13 years, the highest EV-to-FCF of Pavlovic International Bank a.d was 5.47. The lowest was -7.68. And the median was -2.44.

XBLB:PIBB-R-D's EV-to-FCF is not ranked
in the Banks industry.
Industry Median: 6.575 vs XBLB:PIBB-R-D: -2.92

EV-to-FCF 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.

As of today (2026-07-15), Pavlovic International Bank a.d's stock price is BAM0.80. Pavlovic International Bank a.d's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was BAM0.064. Therefore, Pavlovic International Bank a.d's PE Ratio (TTM) for today is 12.50.


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

EV-to-FCF 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:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=0.80/0.064
=12.50

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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Pavlovic International Bank a.d EV-to-FCF Related Terms


Pavlovic International Bank a.d EV-to-FCF Historical Data

* Premium members only.

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

Pavlovic International Bank a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -6.92 3.73 -4.06 1.22 -2.44

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
EV-to-FCF 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 -4.06 0.00 1.22 0.00 -2.44

XBLB:PIBB-R-D vs BKESF, TCNB: EV-to-FCF Comparison

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

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

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


XBLB:PIBB-R-D
2GF Score
Pavlovic International Bank a.d XBLB:PIBB-R-D
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pavlovic International Bank a.d EV-to-FCF Calculation

Pavlovic International Bank a.d's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=-68.138/23.326
=-2.92

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 Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was BAM23.33 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.

Frequently Asked Questions Learn more about EV-to-FCF →
What does a EV-to-FCF of -2.92 mean?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a EV-to-FCF of -2.92 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pavlovic International Bank a.d and its competitors.
Is Pavlovic International Bank a.d's EV-to-FCF too high?
Pavlovic International Bank a.d's current EV-to-FCF is -2.92. 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-FCF compare to BKESF and TCNB?
Pavlovic International Bank a.d's EV-to-FCF of -2.92 can be compared against companies in the Banks industry. The industry median EV-to-FCF is 6.58. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.58, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pavlovic International Bank a.d and its competitors. For the Banks industry, the median EV-to-FCF is 6.58 — 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-FCF is -2.92. 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-FCF of -2.92. The current EV-to-FCF is -2.92. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Pavlovic International Bank a.d (XBLB:PIBB-R-D), the current EV-to-FCF is -2.92 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

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

Get the complete analysis for XBLB:PIBB-R-D

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

BAM0.80
Price