This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Istarska Kreditna Banka Umag d.d's Median PS Value or its related term are showing as below:
ZAG:IKBA's Price-to-Median-PS-Value is not ranked *
in the Banks industry.
Industry Median: 1.11 * Ranked among companies with meaningful Price-to-Median-PS-Value only.
Istarska Kreditna Banka Umag d.d (ZAG:IKBA) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Istarska Kreditna Banka Umag d.d's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
545.00
/
=
* 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.
Istarska Kreditna Banka Umag d.d Median PS Value Related Terms
Istarska Kreditna Banka Umag d.d Median PS Value Historical Data
* 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.
Istarska Kreditna Banka Umag d.d Median PS Value Chart
Istarska Kreditna Banka Umag d.d Annual Data
Trend
Median PS Value
Istarska Kreditna Banka Umag d.d Semi-Annual Data
Median PS Value
Istarska Kreditna Banka Umag d.d Median PS Value Competitor Comparison
For the Banks - Regional subindustry, Istarska Kreditna Banka Umag d.d's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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.
Istarska Kreditna Banka Umag d.d Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Istarska Kreditna Banka Umag d.d's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Istarska Kreditna Banka Umag d.d's Price-to-Median-PS-Value falls into.
* 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.
Istarska Kreditna Banka Umag d.d (ZAG:IKBA) has a Median PS Value of €0.00 as of Jul. 04, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Istarska Kreditna Banka Umag d.d and its competitors. According to the industry distribution chart, Istarska Kreditna Banka Umag d.d ranks #999999 out of 1042 companies in the Banks industry.
Is Istarska Kreditna Banka Umag d.d's Median PS Value too high?
Istarska Kreditna Banka Umag d.d's current Median PS Value is €0.00. Based on the distribution chart, Istarska Kreditna Banka Umag d.d ranks #999999 out of 1042 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Istarska Kreditna Banka Umag d.d has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Istarska Kreditna Banka Umag d.d's Median PS Value compare to competitors?
According to the Banks industry distribution chart, Istarska Kreditna Banka Umag d.d ranks #999999 out of 1042 companies for Median PS Value. This places Istarska Kreditna Banka Umag d.d in the lower half of its industry. The industry median Median PS Value is 1.11. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Istarska Kreditna Banka Umag d.d and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Istarska Kreditna Banka Umag d.d's current Median PS Value is €0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Istarska Kreditna Banka Umag d.d stock overvalued right now?
Istarska Kreditna Banka Umag d.d (ZAG:IKBA) has a current Median PS Value of €0.00. The current Median PS Value is €0.00. Istarska Kreditna Banka Umag d.d's overall GF Score™ is 10/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Istarska Kreditna Banka Umag d.d (ZAG:IKBA), the current Median PS Value is €0.00 as of Jul. 04, 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.
Istarska Kreditna Banka Umag d.d Business Description
Istarska Kreditna Banka Umag d.d is engaged in banking business. The bank offers services such as mobile banking, and internet banking. housing loans, treasury operations, trust management, and investment banking services, current and term deposit accounts among others. Its operating segments are Retail banking and Corporate banking. Retail banking includes private customer transaction accounts, savings, deposits, credit and debit cards, consumer loans, and mortgages. Corporate banking consists of direct debit facilities, transaction accounts, deposits, overdrafts, loans, and other credit facilities, foreign currency, and derivative products. The company generates a majority of its revenue from the Corporate banking segment.
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