Komercijalna Banka AD Skopje (XMAE:KMB) Margin of Safety % (DCF FCF Based): 36.73% (As of Jul. 14, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XMAE:KMB Komercijalna Banka AD Skopje XMAE:KMB
65 GF Score
Price MKD25,400.00
GF Value MKD27,961.18
Valuation Fairly Valued
! 3 Warning Signs
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What is Komercijalna Banka AD Skopje Margin of Safety % (DCF FCF Based)?

Komercijalna Banka AD Skopje XMAE:KMB +0.79% 65 Margin of Safety % (DCF FCF Based) is 36.73% as of Jul. 14, 2026. GuruFocus rates XMAE:KMB with a GF Score™ of 65/100 and a GF Value™ of MKD27,961.18 (Fairly Valued). The stock has 3 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-14), Komercijalna Banka AD Skopje's Predictability Rank is 2-Stars. Komercijalna Banka AD Skopje's intrinsic value calculated from the Discounted FCF model is MKD54625.76 and current share price is MKD25400.00. Consequently,

Komercijalna Banka AD Skopje's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 36.73%.

XMAE:KMB vs PNC, USB: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Komercijalna Banka AD Skopje's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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.

Komercijalna Banka AD Skopje Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Komercijalna Banka AD Skopje's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Komercijalna Banka AD Skopje's Margin of Safety % (DCF FCF Based) falls into.


XMAE:KMB
65GF Score
Komercijalna Banka AD Skopje XMAE:KMB
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Komercijalna Banka AD Skopje Margin of Safety % (DCF FCF Based) Calculation

Komercijalna Banka AD Skopje's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(40143.37-25400.00)/40143.37
=36.73 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 36.73% mean?
Komercijalna Banka AD Skopje (XMAE:KMB) has a Margin of Safety % (DCF FCF Based) of 36.73% as of Jul. 14, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Komercijalna Banka AD Skopje.
Is Komercijalna Banka AD Skopje's Margin of Safety % (DCF FCF Based) too high?
Komercijalna Banka AD Skopje's current Margin of Safety % (DCF FCF Based) is 36.73%. Overall, Komercijalna Banka AD Skopje has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Komercijalna Banka AD Skopje's Margin of Safety % (DCF FCF Based) compare to PNC and USB?
Komercijalna Banka AD Skopje's Margin of Safety % (DCF FCF Based) of 36.73% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Komercijalna Banka AD Skopje. Komercijalna Banka AD Skopje's current Margin of Safety % (DCF FCF Based) is 36.73%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercijalna Banka AD Skopje stock overvalued right now?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje (XMAE:KMB) is currently considered Fairly Valued. The stock's GF Value™ is MKD27,961.18, compared to a current price of MKD25,400.00 — trading 9.2% below its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 36.73%. Komercijalna Banka AD Skopje's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Komercijalna Banka AD Skopje (XMAE:KMB), the current Margin of Safety % (DCF FCF Based) is 36.73% as of Jul. 14, 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 Komercijalna Banka AD Skopje (XMAE:KMB) Overvalued in 2026?

Based on GuruFocus' analysis, Komercijalna Banka AD Skopje stock appears to be undervalued. The current stock price of MKD25,400.00 is trading 9.2% below its estimated GF Value™ of MKD27,961.18. GuruFocus considers Komercijalna Banka AD Skopje to be Fairly Valued.

Key valuation signals for XMAE:KMB:

  • Margin of Safety % (DCF FCF Based): 36.73%
  • GF Value™: MKD27,961.18 vs. price of MKD25,400.00 (9.2% below fair value)
  • GF Score™: 65/100 with 3 warning signs

No single metric tells the full story. See the XMAE:KMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Komercijalna Banka AD Skopje Business Description

Address St.Orce Nikolov Street no. 3, P.O. Box 563, Skopje, MKD, 1000
Komercijalna Banka AD Skopje is a commercial bank. The principal activities of the bank are - collecting deposits, placing loans and advances domestically and abroad, factoring and financing commercial transactions, foreign exchange operations, fast money transfer, trading with foreign currencies, trading with securities, services of a bank-custodian of investment and pension funds, intermediating in selling insurance policies, data collection and analysis of company's credit rating, and many others. It operates in the Republic of Macedonia, Europe, and other EU member countries.
65GF Score

Get the complete analysis for XMAE:KMB

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MKD25,400.00
Price
MKD27,961.18
GF Value