Atos Bank a.d. (XBLB:ZPKB-R-A) FCF Margin %: 198.58% (As of Dec. 2025)


What is Atos Bank a.d. FCF Margin %?

Atos Bank a.d. XBLB:ZPKB-R-A FCF Margin % is 198.58% as of Dec. 2025.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Atos Bank a.d.'s Free Cash Flow for the six months ended in Dec. 2025 was BAM74.81 Mil. Atos Bank a.d.'s Revenue for the six months ended in Dec. 2025 was BAM37.67 Mil. Therefore, Atos Bank a.d.'s FCF Margin % for the quarter that ended in Dec. 2025 was 198.58%.

As of today, Atos Bank a.d.'s current FCF Yield % is 0.00%.

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


XBLB:ZPKB-R-A's FCF Margin % is not ranked *
in the Banks industry.
Industry Median: 26.55
* Ranked among companies with meaningful FCF Margin % only.

Atos Bank a.d. FCF Margin % Related Terms

Atos Bank a.d. FCF Margin % Historical Data

* Premium members only.

The historical data trend for Atos 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.

Atos Bank a.d. FCF Margin % Chart

Atos 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 201.20 -14.11 -94.05 -37.49 151.12

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
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 -62.45 -217.24 118.00 103.12 198.58

XBLB:ZPKB-R-A vs LCHTF: FCF Margin % Comparison

For the Banks - Regional subindustry, Atos 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.

Atos Bank a.d. FCF Margin % vs Banks Industry

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

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


Atos 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.

Atos 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 )
=113.226/74.926
=151.12 %

Atos 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 )
=74.811/37.673
=198.58 %

* 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 198.58% mean?
Atos Bank a.d. (XBLB:ZPKB-R-A) has a FCF Margin % of 198.58% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Atos Bank a.d. and its competitors.
Is Atos Bank a.d.'s FCF Margin % too high?
Atos Bank a.d.'s current FCF Margin % is 198.58%. The Banks industry median FCF Margin % is 26.55. Atos Bank a.d.'s value of 198.58% is 647.9% above this industry median.
How does Atos Bank a.d.'s FCF Margin % compare to LCHTF?
Atos Bank a.d.'s FCF Margin % of 198.58% can be compared against companies in the Banks industry. The industry median FCF Margin % is 26.55. Atos Bank a.d.'s value of 198.58% is 647.9% above this benchmark. 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 26.55, based on 1,505 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. Atos Bank a.d.'s current FCF Margin % of 198.58% is 647.9% 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 Atos Bank a.d. and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atos Bank a.d.'s current FCF Margin % is 198.58%. 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 FCF Margin % of 198.58%. The current FCF Margin % is 198.58% and 647.9% above the Banks industry median of 26.55. 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 Atos Bank a.d. (XBLB:ZPKB-R-A), the current FCF Margin % is 198.58% 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.