Pavlovic International Bank a.d (XBLB:PIBB-R-D) FCF Margin %: 85.12% (As of Dec. 2025) — 33% 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 FCF Margin %?

Pavlovic International Bank a.d XBLB:PIBB-R-D 2 FCF Margin % is 85.12% as of Dec. 2025, which is 33% above its 10-year median of 64.12. GuruFocus rates XBLB:PIBB-R-D with a GF Score™ of 2/100. The stock has 4 warning signs investors should review.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Pavlovic International Bank a.d's Free Cash Flow for the six months ended in Dec. 2025 was BAM9.25 Mil. Pavlovic International Bank a.d's Revenue for the six months ended in Dec. 2025 was BAM10.87 Mil. Therefore, Pavlovic International Bank a.d's FCF Margin % for the quarter that ended in Dec. 2025 was 85.12%.

As of today, Pavlovic International Bank a.d's current FCF Yield % is 121.20%.

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

XBLB:PIBB-R-D' s FCF Margin % Range Over the Past 10 Years
Min: -171.27   Med: 64.12   Max: 200.13
Current: 113.38

During the past 13 years, the highest FCF Margin % of Pavlovic International Bank a.d was 200.13%. The lowest was -171.27%. And the median was 64.12%.

XBLB:PIBB-R-D's FCF Margin % is not ranked
in the Banks industry.
Industry Median: 26.56 vs XBLB:PIBB-R-D: 113.38

Pavlovic International Bank a.d FCF Margin % Related Terms

Pavlovic International Bank a.d FCF Margin % Historical Data

* Premium members only.

The historical data trend for Pavlovic International Bank a.d's FCF Margin % 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 FCF Margin % Chart

Pavlovic International Bank a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 107.08 -81.33 98.28 -171.27 113.38

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
FCF Margin % 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 428.83 -124.98 -217.32 145.01 85.12

XBLB:PIBB-R-D vs BKESF, TCNB: FCF Margin % Comparison

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

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

* The bar in red indicates where Pavlovic International Bank a.d's FCF Margin % falls into.


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

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Pavlovic International Bank a.d's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=23.326/20.574
=113.38 %

Pavlovic International Bank a.d's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=9.25/10.867
=85.12 %

* 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 FCF Margin % →
What does a FCF Margin % of 85.12% mean?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a FCF Margin % of 85.12% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pavlovic International Bank a.d and its competitors. This is 33% above median its historical median of 64.12.
Is Pavlovic International Bank a.d's FCF Margin % too high?
Pavlovic International Bank a.d's current FCF Margin % of 85.12% is 33% above median its 10-year median of 64.12. The Banks industry median FCF Margin % is 26.56. Pavlovic International Bank a.d's value of 85.12% is 220.5% above 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 FCF Margin % compare to BKESF and TCNB?
Pavlovic International Bank a.d's FCF Margin % of 85.12% can be compared against companies in the Banks industry. The industry median FCF Margin % is 26.56. Pavlovic International Bank a.d's value of 85.12% is 220.5% above this benchmark. While the company's 10-year median is 64.12 vs. the industry median of 26.56, Pavlovic International Bank a.d has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.56, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pavlovic International Bank a.d's current FCF Margin % of 85.12% is 220.5% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pavlovic International Bank a.d and its competitors. For the Banks industry, the median FCF Margin % is 26.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pavlovic International Bank a.d's current FCF Margin % is 85.12%, which is 33% above median its own 10-year median of 64.12. 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 FCF Margin % of 85.12%. The current FCF Margin % is 85.12%, which is 33% above median its 10-year median of 64.12 and 220.5% above the Banks industry median of 26.56. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Pavlovic International Bank a.d (XBLB:PIBB-R-D), the current FCF Margin % is 85.12% 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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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