AGRAM BANKA dionicko drustvo (ZAG:KBZ) ROE % Adjusted to Book Value: 9.75% (As of Mar. 2026)


ZAG:KBZ AGRAM BANKA dionicko drustvo ZAG:KBZ
79 GF Score
Price €38.00
GF Value €35.61
Valuation Fairly Valued
! 4 Warning Signs
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What is AGRAM BANKA dionicko drustvo ROE % Adjusted to Book Value?

AGRAM BANKA dionicko drustvo ZAG:KBZ 79 ROE % Adjusted to Book Value is 9.75% as of Mar. 2026. GuruFocus rates ZAG:KBZ with a GF Score™ of 79/100 and a GF Value™ of €35.61 (Fairly Valued). The stock has 4 warning signs investors should review.

AGRAM BANKA dionicko drustvo's ROE % for the quarter that ended in Mar. 2026 was 9.07%. AGRAM BANKA dionicko drustvo's PB Ratio for the quarter that ended in Mar. 2026 was 0.93. AGRAM BANKA dionicko drustvo's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 9.75%.


AGRAM BANKA dionicko drustvo ROE % Adjusted to Book Value Related Terms


AGRAM BANKA dionicko drustvo ROE % Adjusted to Book Value Historical Data

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The historical data trend for AGRAM BANKA dionicko drustvo's ROE % Adjusted to Book Value 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.

AGRAM BANKA dionicko drustvo ROE % Adjusted to Book Value Chart

AGRAM BANKA dionicko drustvo Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.31 1.52 15.58 12.46 9.97

AGRAM BANKA dionicko drustvo Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value 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 9.07 10.21 9.64 9.27 9.75

ZAG:KBZ vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, AGRAM BANKA dionicko drustvo's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, AGRAM BANKA dionicko drustvo's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where AGRAM BANKA dionicko drustvo's ROE % Adjusted to Book Value falls into.


ZAG:KBZ
79GF Score
AGRAM BANKA dionicko drustvo ZAG:KBZ
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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AGRAM BANKA dionicko drustvo ROE % Adjusted to Book Value Calculation

AGRAM BANKA dionicko drustvo's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=9.87% / 0.99
=9.97%

AGRAM BANKA dionicko drustvo's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=9.07% / 0.93
=9.75%

* 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.

What does a ROE % Adjusted to Book Value of 9.75% mean?
AGRAM BANKA dionicko drustvo (ZAG:KBZ) has a ROE % Adjusted to Book Value of 9.75% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on AGRAM BANKA dionicko drustvo and its competitors.
Is AGRAM BANKA dionicko drustvo's ROE % Adjusted to Book Value too high?
AGRAM BANKA dionicko drustvo's current ROE % Adjusted to Book Value is 9.75%. Overall, AGRAM BANKA dionicko drustvo has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AGRAM BANKA dionicko drustvo's ROE % Adjusted to Book Value compare to PNC and USB?
AGRAM BANKA dionicko drustvo's ROE % Adjusted to Book Value of 9.75% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on AGRAM BANKA dionicko drustvo and its competitors. AGRAM BANKA dionicko drustvo's current ROE % Adjusted to Book Value is 9.75%. 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?
Based on GuruFocus' analysis, AGRAM BANKA dionicko drustvo (ZAG:KBZ) is currently considered Fairly Valued. The stock's GF Value™ is €35.61, compared to a current price of €38.00 — trading 6.7% above its estimated fair value. The current ROE % Adjusted to Book Value is 9.75%. AGRAM BANKA dionicko drustvo's overall GF Score™ is 79/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For AGRAM BANKA dionicko drustvo (ZAG:KBZ), the current ROE % Adjusted to Book Value is 9.75% as of Mar. 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 €38.00 is trading 6.7% above its estimated GF Value™ of €35.61. GuruFocus considers AGRAM BANKA dionicko drustvo to be Fairly Valued.

Key valuation signals for ZAG:KBZ:

  • ROE % Adjusted to Book Value: 9.75%
  • GF Value™: €35.61 vs. price of €38.00 (6.7% above fair value)
  • GF Score™: 79/100 with 4 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.
79GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€38.00
Price
€35.61
GF Value