AGRAM BANKA dionicko drustvo (ZAG:KBZ) Profitability Rank: 8 (As of Jun. 2026) — 14% Above Median

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.
Reviewed by: Charlie Tian Charlie Tian
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.

ZAG:KBZ AGRAM BANKA dionicko drustvo ZAG:KBZ
82 GF Score
Price €39.80
GF Value €36.72
! 5 Warning Signs
View Full Analysis

What is AGRAM BANKA dionicko drustvo Profitability Rank?

AGRAM BANKA dionicko drustvo ZAG:KBZ 82 Profitability Rank is 8 as of Jun. 2026, which is 14% above its 10-year median of 7.00. GuruFocus rates ZAG:KBZ with a GF Score™ of 82/100 and a GF Value™ of €36.72. The stock has 5 warning signs investors should review.

AGRAM BANKA dionicko drustvo has the Profitability Rank of 8. It has a higher profitability and may stay that way.

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way. It is rated on a scale of 1 to 10 and is based on these factors:

1. Operating Margin %
2. Piotroski F-Score
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank

A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.

AGRAM BANKA dionicko drustvo's Operating Margin % for the quarter that ended in Jun. 2026 was 0.00%. As of today, AGRAM BANKA dionicko drustvo's Piotroski F-Score is 8.


AGRAM BANKA dionicko drustvo Profitability Rank Related Terms


ZAG:KBZ vs PNC, USB: Profitability Rank Comparison

For the Banks - Regional subindustry, AGRAM BANKA dionicko drustvo's Profitability Rank, along with its competitors' market caps and Profitability Rank 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 Profitability Rank vs Banks Industry

For the Banks industry and Financial Services sector, AGRAM BANKA dionicko drustvo's Profitability Rank distribution charts can be found below:

* The bar in red indicates where AGRAM BANKA dionicko drustvo's Profitability Rank falls into.


ZAG:KBZ
82GF Score
AGRAM BANKA dionicko drustvo ZAG:KBZ
Profitability Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

AGRAM BANKA dionicko drustvo Profitability Rank Calculation

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.

The rank is rated on a scale of 1 to 10. A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.

AGRAM BANKA dionicko drustvo has the Profitability Rank of 8. It has a higher profitability and may stay that way.

Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.

Profitability Rank is based on these factors:

1. Operating Margin %

Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.

AGRAM BANKA dionicko drustvo's Operating Margin % for the quarter that ended in Jun. 2026 is calculated as:

Operating Margin %=Operating Income (Q: Jun. 2026 ) / Revenue (Q: Jun. 2026 )
= / 6.86474
=0.00 %

* 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.

2. Piotroski F-Score

Good Sign:

Piotroski F-Score is 8, indicates a very healthy situation.

The zones of discrimination were as such:

Good or high score = 8 or 9
Bad or low score = 0 or 1

AGRAM BANKA dionicko drustvo has an F-score of 8. It is a good or high score, which usually indicates a very healthy situation.

3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.

4. Consistency of the profitability

5. Predictability Rank

Frequently Asked Questions Learn more about Profitability Rank →
What does a Profitability Rank of 8 mean?
AGRAM BANKA dionicko drustvo (ZAG:KBZ) has a Profitability Rank of 8 as of Jun. 2026. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on AGRAM BANKA dionicko drustvo and its competitors. This is 14% above median its historical median of 7.00. Over the past decade, AGRAM BANKA dionicko drustvo's Profitability Rank has ranged from 4.00 to 8.00.
Is AGRAM BANKA dionicko drustvo's Profitability Rank too high?
AGRAM BANKA dionicko drustvo's current Profitability Rank of 8 is 14% above median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 8.00. Overall, AGRAM BANKA dionicko drustvo has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does AGRAM BANKA dionicko drustvo's Profitability Rank compare to PNC and USB?
AGRAM BANKA dionicko drustvo's Profitability Rank of 8 can be compared against companies in the Banks industry. Historically, AGRAM BANKA dionicko drustvo's own Profitability Rank has ranged from 4.00 to 8.00 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 Profitability Rank for a Banks company?
A good Profitability Rank depends on the Banks industry context. However, Profitability Rank 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 Profitability Rank mean?
A high Profitability Rank can signal that a stock is expensive relative to its fundamentals. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on AGRAM BANKA dionicko drustvo and its competitors. AGRAM BANKA dionicko drustvo's current Profitability Rank is 8, which is 14% above median its own 10-year median of 7.00. 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?
AGRAM BANKA dionicko drustvo (ZAG:KBZ) has a current Profitability Rank of 8. The stock's GF Value™ is €36.72, compared to a current price of €39.80 — trading 8.4% above its estimated fair value. The current Profitability Rank is 8, which is 14% above median its 10-year median of 7.00. AGRAM BANKA dionicko drustvo's overall GF Score™ is 82/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Profitability Rank calculated?
Profitability Rank is calculated from a company's financial statements. For AGRAM BANKA dionicko drustvo (ZAG:KBZ), the current Profitability Rank is 8 as of Jun. 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 €39.80 is trading 8.4% above its estimated GF Value™ of €36.72.

Key valuation signals for ZAG:KBZ:

  • Profitability Rank: 8 (14% above median its 10-year median of 7.00)
  • GF Value™: €36.72 vs. price of €39.80 (8.4% above fair value)
  • GF Score™: 82/100 with 5 warning signs

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 Business Description

Address Ulica Grada Vukovara 74, Zagreb, HRV, 10000
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.
82GF Score

Get the complete analysis for ZAG:KBZ

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

€39.80
Price
€36.72
GF Value