NLB Banka ad (XBLB:VBBB-R-A) Retained Earnings: BAM191.3 Mil (As of Dec. 2025)

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What is NLB Banka ad Retained Earnings?

NLB Banka ad XBLB:VBBB-R-A Retained Earnings is BAM191.3 Mil as of Dec. 2025. The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. NLB Banka ad's retained earnings for the quarter that ended in Dec. 2025 was BAM191.3 Mil.

NLB Banka ad's quarterly retained earnings increased from Dec. 2024 (BAM133.9 Mil) to Jun. 2025 (BAM163.9 Mil) and increased from Jun. 2025 (BAM163.9 Mil) to Dec. 2025 (BAM191.3 Mil).

NLB Banka ad's annual retained earnings increased from Dec. 2023 (BAM91.5 Mil) to Dec. 2024 (BAM133.9 Mil) and increased from Dec. 2024 (BAM133.9 Mil) to Dec. 2025 (BAM191.3 Mil).

NLB Banka ad  (XBLB:VBBB-R-A) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.

NLB Banka ad Retained Earnings Historical Data

* Premium members only.

The historical data trend for NLB Banka ad's Retained Earnings 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.

NLB Banka ad Retained Earnings Chart

NLB Banka ad Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 57.38 68.48 91.47 133.88 191.27

NLB Banka ad Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Retained Earnings 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 91.47 107.83 133.88 163.88 191.27

NLB Banka ad Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of BAM191.3 Mil mean?
NLB Banka ad (XBLB:VBBB-R-A) has a Retained Earnings of BAM191.3 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on NLB Banka ad and its competitors.
Is NLB Banka ad's Retained Earnings too high?
NLB Banka ad's current Retained Earnings is BAM191.3 Mil.
How does NLB Banka ad's Retained Earnings compare to competitors?
NLB Banka ad's Retained Earnings of BAM191.3 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on NLB Banka ad and its competitors. NLB Banka ad's current Retained Earnings is BAM191.3 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLB Banka ad stock overvalued right now?
NLB Banka ad (XBLB:VBBB-R-A) has a current Retained Earnings of BAM191.3 Mil. The stock's GF Value™ is BAM2,109.54, compared to a current price of BAM6,000.00 — trading 184.4% above its estimated fair value. The current Retained Earnings is BAM191.3 Mil. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For NLB Banka ad (XBLB:VBBB-R-A), the current Retained Earnings is BAM191.3 Mil 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.

NLB Banka ad Business Description

Address Milan Tepic 4, Banja Luka, BIH, 78000
NLB Banka ad is a banking service provider that operates in Bosnia and Herzegovina. The company is engaged in offering services like retail banking which include retail banking business with private individuals, corporate banking, and financial markets.