AGRAM BANKA dionicko drustvo has the GF Score of 78, which implies that the company
is
Likely to have average performance.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes AGRAM BANKA dionicko drustvo
is
Likely to have average performance.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
AGRAM BANKA dionicko drustvo GF Score Related Terms
ZAG:KBZ vs PNC, USB: GF Score Comparison
For the Banks - Regional subindustry, AGRAM BANKA dionicko drustvo's GF Score, along with its competitors' market caps and GF Score 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.
AGRAM BANKA dionicko drustvo GF Score vs Banks Industry
For the Banks industry and Financial Services sector, AGRAM BANKA dionicko drustvo's GF Score distribution charts can be found below:
* The bar in red indicates where AGRAM BANKA dionicko drustvo's GF Score falls into.
AGRAM BANKA dionicko drustvo (ZAG:KBZ) has a GF Score of 78 as of Jul. 11, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on AGRAM BANKA dionicko drustvo and its competitors. This is 15% above median its historical median of 68.00. Over the past decade, AGRAM BANKA dionicko drustvo's GF Score has ranged from 26.00 to 88.00.
Is AGRAM BANKA dionicko drustvo's GF Score too high?
AGRAM BANKA dionicko drustvo's current GF Score of 78 is 15% above median its 10-year median of 68.00. Over the past 10 years, this metric has ranged from a low of 26.00 to a high of 88.00. Overall, AGRAM BANKA dionicko drustvo has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AGRAM BANKA dionicko drustvo's GF Score compare to PNC and USB?
AGRAM BANKA dionicko drustvo's GF Score of 78 can be compared against companies in the Banks industry. Historically, AGRAM BANKA dionicko drustvo's own GF Score has ranged from 26.00 to 88.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on AGRAM BANKA dionicko drustvo and its competitors. AGRAM BANKA dionicko drustvo's current GF Score is 78, which is 15% above median its own 10-year median of 68.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AGRAM BANKA dionicko drustvo stock overvalued right now?
Based on GuruFocus' analysis, AGRAM BANKA dionicko drustvo (ZAG:KBZ) is currently considered Fairly Valued. The stock's GF Value™ is €35.65, compared to a current price of €38.00 — trading 6.6% above its estimated fair value. The current GF Score is 78, which is 15% above median its 10-year median of 68.00. AGRAM BANKA dionicko drustvo's overall GF Score™ is 78/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For AGRAM BANKA dionicko drustvo (ZAG:KBZ), the current GF Score is 78 as of Jul. 11, 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.
Is AGRAM BANKA dionicko drustvo (ZAG:KBZ) Overvalued in 2026?
Based on GuruFocus' analysis, AGRAM BANKA dionicko drustvo stock appears to be overvalued.
The current stock price of €38.00 is trading 6.6% above its estimated GF Value™ of €35.65.
GuruFocus considers AGRAM BANKA dionicko drustvo to be Fairly Valued.
Key valuation signals for ZAG:KBZ:
GF Score: 78 (15% above median its 10-year median of 68.00)
GF Value™: €35.65 vs. price of €38.00 (6.6% above fair value)
No single metric tells the full story. See the ZAG:KBZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AGRAM BANKA dionicko drustvo provides banking services. The company's operating segment includes Business banking; Retail banking; and Treasury. It generates maximum revenue from Business banking which entails loan guarantees and deposit operations, card operations, and other transactions with clients who are legal entities. Geographically, it has a presence in Germany; Italy; Croatia; Austria; the United States of America, and Spain.
78GF Score
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