Pavlovic International Bank a.d (XBLB:PIBB-R-D) Net Margin %: 21.28% (As of Dec. 2025) — 809% Above Median

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XBLB:PIBB-R-D Pavlovic International Bank a.d XBLB:PIBB-R-D
2 GF Score
Price BAM0.80
! 4 Warning Signs
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What is Pavlovic International Bank a.d Net Margin %?

Pavlovic International Bank a.d XBLB:PIBB-R-D 2 Net Margin % is 21.28% as of Dec. 2025, which is 809% above its 10-year median of 2.34. GuruFocus rates XBLB:PIBB-R-D with a GF Score™ of 2/100. The stock has 4 warning signs investors should review.

Net margin is calculated as Net Income divided by its Revenue. Pavlovic International Bank a.d's Net Income for the six months ended in Dec. 2025 was BAM2.31 Mil. Pavlovic International Bank a.d's Revenue for the six months ended in Dec. 2025 was BAM10.87 Mil. Therefore, Pavlovic International Bank a.d's net margin for the quarter that ended in Dec. 2025 was 21.28%.

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

XBLB:PIBB-R-D' s Net Margin % Range Over the Past 10 Years
Min: -115.1   Med: 2.34   Max: 12.54
Current: 11.83

XBLB:PIBB-R-D's Net Margin % is not ranked
in the Banks industry.
Industry Median: 26.87 vs XBLB:PIBB-R-D: 11.83

Pavlovic International Bank a.d  (XBLB:PIBB-R-D) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Pavlovic International Bank a.d Net Margin % Related Terms

Pavlovic International Bank a.d Net Margin % Historical Data

* Premium members only.

The historical data trend for Pavlovic International Bank a.d's Net 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.

Pavlovic International Bank a.d Net Margin % Chart

Pavlovic International Bank a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.24 10.74 12.54 12.51 11.83

Pavlovic International Bank a.d Semi-Annual Data
Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net 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 6.94 8.94 16.06 1.25 21.28

XBLB:PIBB-R-D vs BKESF, TCNB: Net Margin % Comparison

For the Banks - Regional subindustry, Pavlovic International Bank a.d's Net Margin %, along with its competitors' market caps and Net 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.

Pavlovic International Bank a.d Net Margin % vs Banks Industry

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

* The bar in red indicates where Pavlovic International Bank a.d's Net Margin % falls into.


XBLB:PIBB-R-D
2GF Score
Pavlovic International Bank a.d XBLB:PIBB-R-D
Net Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Pavlovic International Bank a.d Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Pavlovic International Bank a.d's Net Margin for the fiscal year that ended in Dec. 2025 is calculated as

Net Margin=Net Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=2.433/20.574
=11.83 %

Pavlovic International Bank a.d's Net Margin for the quarter that ended in Dec. 2025 is calculated as

Net Margin=Net Income (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=2.312/10.867
=21.28 %

* 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 Net Margin % →
What does a Net Margin % of 21.28% mean?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a Net Margin % of 21.28% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Pavlovic International Bank a.d and its competitors. This is 809% above median its historical median of 2.34.
Is Pavlovic International Bank a.d's Net Margin % too high?
Pavlovic International Bank a.d's current Net Margin % of 21.28% is 809% above median its 10-year median of 2.34. The Banks industry median Net Margin % is 26.87. Pavlovic International Bank a.d's value of 21.28% is 20.8% below this industry median. Overall, Pavlovic International Bank a.d has a GF Score™ of 2/100, reflecting its overall financial health beyond just this single metric.
How does Pavlovic International Bank a.d's Net Margin % compare to BKESF and TCNB?
Pavlovic International Bank a.d's Net Margin % of 21.28% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.87. Pavlovic International Bank a.d's value of 21.28% is 20.8% below this benchmark. While the company's 10-year median is 2.34 vs. the industry median of 26.87, Pavlovic International Bank a.d has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.87, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pavlovic International Bank a.d's current Net Margin % of 21.28% is 20.8% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Pavlovic International Bank a.d and its competitors. For the Banks industry, the median Net Margin % is 26.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pavlovic International Bank a.d's current Net Margin % is 21.28%, which is 809% above median its own 10-year median of 2.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pavlovic International Bank a.d stock overvalued right now?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a current Net Margin % of 21.28%. The current Net Margin % is 21.28%, which is 809% above median its 10-year median of 2.34 and 20.8% below the Banks industry median of 26.87. Pavlovic International Bank a.d's overall GF Score™ is 2/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Pavlovic International Bank a.d (XBLB:PIBB-R-D), the current Net Margin % is 21.28% 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.

Pavlovic International Bank a.d Business Description

Address Ivana Franje Jukiya 1, Bijelina, BIH, 78000
Pavlovic International Bank a.d provides banking services. It provides retail and corporate banking services including loans, overdrafts, consumer loans, housing loans, savings accounts, payment cards, short term loans, and other banking services.
2GF Score

Get the complete analysis for XBLB:PIBB-R-D

Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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