Atos Bank a.d. (XBLB:ZPKB-R-A) Net Margin %: 48.19% (As of Dec. 2025)


What is Atos Bank a.d. Net Margin %?

Atos Bank a.d. XBLB:ZPKB-R-A Net Margin % is 48.19% as of Dec. 2025.

Net margin is calculated as Net Income divided by its Revenue. Atos Bank a.d.'s Net Income for the six months ended in Dec. 2025 was BAM18.15 Mil. Atos Bank a.d.'s Revenue for the six months ended in Dec. 2025 was BAM37.67 Mil. Therefore, Atos Bank a.d.'s net margin for the quarter that ended in Dec. 2025 was 48.19%.

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


XBLB:ZPKB-R-A's Net Margin % is not ranked *
in the Banks industry.
Industry Median: 26.95
* Ranked among companies with meaningful Net Margin % only.

Atos Bank a.d.  (XBLB:ZPKB-R-A) 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.

Atos Bank a.d. Net Margin % Related Terms

Atos Bank a.d. Net Margin % Historical Data

* Premium members only.

The historical data trend for Atos 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.

Atos Bank a.d. Net Margin % Chart

Atos 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 31.73 18.68 37.57 45.56 46.76

Atos Bank a.d. Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 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 39.79 52.89 39.22 45.31 48.19

XBLB:ZPKB-R-A vs LCHTF: Net Margin % Comparison

For the Banks - Regional subindustry, Atos 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.

Atos Bank a.d. Net Margin % vs Banks Industry

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

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


Atos 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.

Atos 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 )
=35.033/74.926
=46.76 %

Atos 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 )
=18.154/37.673
=48.19 %

* 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 48.19% mean?
Atos Bank a.d. (XBLB:ZPKB-R-A) has a Net Margin % of 48.19% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Atos Bank a.d. and its competitors.
Is Atos Bank a.d.'s Net Margin % too high?
Atos Bank a.d.'s current Net Margin % is 48.19%. The Banks industry median Net Margin % is 26.95. Atos Bank a.d.'s value of 48.19% is 78.8% above this industry median.
How does Atos Bank a.d.'s Net Margin % compare to LCHTF?
Atos Bank a.d.'s Net Margin % of 48.19% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.95. Atos Bank a.d.'s value of 48.19% is 78.8% above this benchmark. 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 26.95, 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. Atos Bank a.d.'s current Net Margin % of 48.19% is 78.8% above 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 Atos Bank a.d. and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atos Bank a.d.'s current Net Margin % is 48.19%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Atos Bank a.d. stock overvalued right now?
Atos Bank a.d. (XBLB:ZPKB-R-A) has a current Net Margin % of 48.19%. The current Net Margin % is 48.19% and 78.8% above the Banks industry median of 26.95. 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 Atos Bank a.d. (XBLB:ZPKB-R-A), the current Net Margin % is 48.19% 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.

Atos Bank a.d. Business Description

Address Jevrejska 71 Street, Banja Luka, BIH, 78000
Atos Bank a.d. operates in the finance and banking sector. It offers various banking services including accounts and payments, package accounts, savings, and cards. The bank also offers online banking, mobile banking, and automated teller machine (ATM) services.