AGRAM BANKA dionicko drustvoZAG:KBZ 80 Median PS Value is €123.50 as of Jun. 28, 2026, which is 100% below its 10-year median of 0.26. GuruFocus rates ZAG:KBZ with a GF Score™ of 80/100 and a GF Value™ of €35.56 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,043 Banks companies, AGRAM BANKA dionicko drustvo ranks better than 99.04% on this metric.
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 AGRAM BANKA dionicko drustvo's Median PS Value or its related term are showing as below:
ZAG:KBZ'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.19 Med: 0.26 Max: 1.85
Current: 0.31
During the past 13 years, the highest Price to Median PS Value of AGRAM BANKA dionicko drustvo was 1.85. The lowest was 0.19. And the median was 0.26.
ZAG:KBZ's Price-to-Median-PS-Value is ranked better than 99.04% of 1043
companies
in the Banks industry
Industry Median: 1.11
vs ZAG:KBZ: 0.31
AGRAM BANKA dionicko drustvo (ZAG:KBZ) 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.
AGRAM BANKA dionicko drustvo's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
38.00
/
123.50
=
0.31
* 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.
AGRAM BANKA dionicko drustvo Median PS Value Related Terms
AGRAM BANKA dionicko drustvo 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.
AGRAM BANKA dionicko drustvo Median PS Value Chart
For the Banks - Regional subindustry, AGRAM BANKA dionicko drustvo'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.
AGRAM BANKA dionicko drustvo Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, AGRAM BANKA dionicko drustvo's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where AGRAM BANKA dionicko drustvo's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 10.5088.
AGRAM BANKA dionicko drustvo's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €11.752.
* 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.
AGRAM BANKA dionicko drustvo (ZAG:KBZ) has a Median PS Value of €123.50 as of Jun. 28, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on AGRAM BANKA dionicko drustvo and its competitors. This is 47400% above median its historical median of 0.26. Over the past decade, AGRAM BANKA dionicko drustvo's Median PS Value has ranged from 0.19 to 1.85. According to the industry distribution chart, AGRAM BANKA dionicko drustvo ranks #10 out of 1043 companies in the Banks industry, placing it in the top 1%.
Is AGRAM BANKA dionicko drustvo's Median PS Value too high?
AGRAM BANKA dionicko drustvo's current Median PS Value of €123.50 is 47400% above median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 1.85. Based on the distribution chart, AGRAM BANKA dionicko drustvo ranks #10 out of 1043 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, AGRAM BANKA dionicko drustvo has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AGRAM BANKA dionicko drustvo's Median PS Value compare to PNC and USB?
According to the Banks industry distribution chart, AGRAM BANKA dionicko drustvo ranks #10 out of 1043 companies for Median PS Value. This places AGRAM BANKA dionicko drustvo in the top 1% of its industry — outperforming the majority of peers. The industry median Median PS Value is 1.11. Historically, AGRAM BANKA dionicko drustvo's own Median PS Value has ranged from 0.19 to 1.85 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,043 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 AGRAM BANKA dionicko drustvo 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. AGRAM BANKA dionicko drustvo's current Median PS Value is €123.50, which is 47400% above median its own 10-year median of 0.26. 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 €35.56, compared to a current price of €38.00 — trading 6.9% above its estimated fair value. The current Median PS Value is €123.50, which is 47400% above median its 10-year median of 0.26. AGRAM BANKA dionicko drustvo's overall GF Score™ is 80/100 with 4 warning signs 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 AGRAM BANKA dionicko drustvo (ZAG:KBZ), the current Median PS Value is €123.50 as of Jun. 28, 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 6.9% above its estimated GF Value™ of €35.56.
GuruFocus considers AGRAM BANKA dionicko drustvo to be Fairly Valued.
Key valuation signals for ZAG:KBZ:
Median PS Value: €123.50 (47400% above median its 10-year median of 0.26)
GF Value™: €35.56 vs. price of €38.00 (6.9% 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.
80GF Score
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