NLB Banka a.d. Skopje (XMAE:TNB) Risk Assessment

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.

XMAE:TNB NLB Banka a.d. Skopje XMAE:TNB
81 GF Score
Price MKD51,998.00
GF Value MKD54,993.16
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is NLB Banka a.d. Skopje Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of NLB Banka a.d. Skopje is: High Risk: High uncertainty with risk-return tradeoff.

NLB Banka a.d. Skopje  (XMAE:TNB) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

NLB Banka a.d. Skopje Risk Assessment Related Terms

XMAE:TNB vs PNC, USB, NU: Risk Assessment Comparison

For the Banks - Regional subindustry, NLB Banka a.d. Skopje's Risk Assessment, along with its competitors' market caps and Risk Assessment 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.

NLB Banka a.d. Skopje Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, NLB Banka a.d. Skopje's Risk Assessment distribution charts can be found below:

* The bar in red indicates where NLB Banka a.d. Skopje's Risk Assessment falls into.


XMAE:TNB
81GF Score
NLB Banka a.d. Skopje XMAE:TNB
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is NLB Banka a.d. Skopje (XMAE:TNB) Overvalued in 2026?

Based on GuruFocus' analysis, NLB Banka a.d. Skopje stock appears to be undervalued. The current stock price of MKD51,998.00 is trading 5.4% below its estimated GF Value™ of MKD54,993.16. GuruFocus considers NLB Banka a.d. Skopje to be Fairly Valued.

Key valuation signals for XMAE:TNB:

  • Risk Assessment:
  • GF Value™: MKD54,993.16 vs. price of MKD51,998.00 (5.4% below fair value)
  • GF Score™: 81/100 with 1 warning sign

No single metric tells the full story. See the XMAE:TNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NLB Banka a.d. Skopje Business Description

Address Majka Tereza No.1, Skopje, MKD, 1000
NLB Banka a.d. Skopje is a bank in the Republic of Macedonia. It provides general banking services like accepting deposits, granting loans and advances, foreign exchange, asset management, retail banking services, brokerage services, custody services, and many others. The bank operates in the Republic of Macedonia, EU countries, Non-EU countries in Europe, and other countries.
81GF Score

Get the complete analysis for XMAE:TNB

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

MKD51,998.00
Price
MKD54,993.16
GF Value