Atos Bank a.d. (XBLB:ZPKB-R-A) Retained Earnings: BAM125.07 Mil (As of Dec. 2025)


What is Atos Bank a.d. Retained Earnings?

Atos Bank a.d. XBLB:ZPKB-R-A Retained Earnings is BAM125.07 Mil as of Dec. 2025.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Atos Bank a.d.'s retained earnings for the quarter that ended in Dec. 2025 was BAM125.07 Mil.

Atos Bank a.d.'s quarterly retained earnings declined from Dec. 2024 (BAM110.04 Mil) to Jun. 2025 (BAM106.92 Mil) but then increased from Jun. 2025 (BAM106.92 Mil) to Dec. 2025 (BAM125.07 Mil).

Atos Bank a.d.'s annual retained earnings increased from Dec. 2023 (BAM89.20 Mil) to Dec. 2024 (BAM110.04 Mil) and increased from Dec. 2024 (BAM110.04 Mil) to Dec. 2025 (BAM125.07 Mil).

Atos Bank a.d.  (XBLB:ZPKB-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.

Atos Bank a.d. Retained Earnings Historical Data

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The historical data trend for Atos Bank a.d.'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.

Atos Bank a.d. Retained Earnings Chart

Atos Bank a.d. 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 56.04 65.06 89.20 110.04 125.07

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
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 89.20 94.31 110.04 106.92 125.07

Atos Bank a.d. 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 BAM125.07 Mil mean?
Atos Bank a.d. (XBLB:ZPKB-R-A) has a Retained Earnings of BAM125.07 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Atos Bank a.d. and its competitors.
Is Atos Bank a.d.'s Retained Earnings too high?
Atos Bank a.d.'s current Retained Earnings is BAM125.07 Mil.
How does Atos Bank a.d.'s Retained Earnings compare to LCHTF?
Atos Bank a.d.'s Retained Earnings of BAM125.07 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 Atos Bank a.d. and its competitors. Atos Bank a.d.'s current Retained Earnings is BAM125.07 Mil. 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 Retained Earnings of BAM125.07 Mil. The current Retained Earnings is BAM125.07 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 Atos Bank a.d. (XBLB:ZPKB-R-A), the current Retained Earnings is BAM125.07 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.

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.