Pavlovic International Bank a.d (XBLB:PIBB-R-D) Asset Turnover: 0.03 (As of Dec. 2025)

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XBLB:PIBB-R-D Pavlovic International Bank a.d XBLB:PIBB-R-D
2 GF Score
Price BAM0.80
! 4 Warning Signs
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What is Pavlovic International Bank a.d Asset Turnover?

Pavlovic International Bank a.d XBLB:PIBB-R-D 2 Asset Turnover is 0.03 as of Dec. 2025. GuruFocus rates XBLB:PIBB-R-D with a GF Score™ of 2/100. The stock has 4 warning signs investors should review.

Asset Turnover measures how quickly a company turns over its asset through sales. It is calculated as Revenue divided by Total Assets. Pavlovic International Bank a.d's Revenue for the six months ended in Dec. 2025 was BAM10.87 Mil. Pavlovic International Bank a.d's Total Assets for the quarter that ended in Dec. 2025 was BAM390.28 Mil. Therefore, Pavlovic International Bank a.d's Asset Turnover for the quarter that ended in Dec. 2025 was 0.03.

Asset Turnover is linked to ROE % through Du Pont Formula. Pavlovic International Bank a.d's annualized ROE % for the quarter that ended in Dec. 2025 was 11.95%. It is also linked to ROA % through Du Pont Formula. Pavlovic International Bank a.d's annualized ROA % for the quarter that ended in Dec. 2025 was 1.18%.


Pavlovic International Bank a.d  (XBLB:PIBB-R-D) Asset Turnover Explanation

Asset Turnover is linked to ROE % through Du Pont Formula.

Pavlovic International Bank a.d's annulized ROE % for the quarter that ended in Dec. 2025 is

ROE %**(Q: Dec. 2025 )
=Net Income/Total Stockholders Equity
=4.624/38.702
=(Net Income / Revenue)*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(4.624 / 21.734)*(21.734 / 390.284)*(390.284/ 38.702)
=Net Margin %*Asset Turnover*Equity Multiplier
=21.28 %*0.0557*10.0843
=ROA %*Equity Multiplier
=1.18 %*10.0843
=11.95 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.

* 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.

** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.

It is also linked to ROA % through Du Pont Formula:

Pavlovic International Bank a.d's annulized ROA % for the quarter that ended in Dec. 2025 is

ROA %(Q: Dec. 2025 )
=Net Income/Total Assets
=4.624/390.284
=(Net Income / Revenue)*(Revenue / Total Assets)
=(4.624 / 21.734)*(21.734 / 390.284)
=Net Margin %*Asset Turnover
=21.28 %*0.0557
=1.18 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.

* 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.


Be Aware

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Therefore, it is a good sign if a company's Asset Turnover is consistent or even increases. If a company's asset grows faster than sales, its Asset Turnover will decline, which can be a warning sign.


Pavlovic International Bank a.d Asset Turnover Related Terms


Pavlovic International Bank a.d Asset Turnover Historical Data

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The historical data trend for Pavlovic International Bank a.d's Asset Turnover 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.

Pavlovic International Bank a.d Asset Turnover Chart

Pavlovic International Bank a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Asset Turnover
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.04 0.05 0.05 0.05 0.06

Pavlovic International Bank a.d Semi-Annual Data
Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Asset Turnover 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 0.03 0.03 0.03 0.03 0.03

XBLB:PIBB-R-D vs BKESF, TCNB: Asset Turnover Comparison

For the Banks - Regional subindustry, Pavlovic International Bank a.d's Asset Turnover, along with its competitors' market caps and Asset Turnover 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.


Pavlovic International Bank a.d Asset Turnover vs Banks Industry

For the Banks industry and Financial Services sector, Pavlovic International Bank a.d's Asset Turnover distribution charts can be found below:

* The bar in red indicates where Pavlovic International Bank a.d's Asset Turnover falls into.


XBLB:PIBB-R-D
2GF Score
Pavlovic International Bank a.d XBLB:PIBB-R-D
Asset Turnover is just one metric. See GF Score™, valuation, warning signs, and more.
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Pavlovic International Bank a.d Asset Turnover Calculation

Asset Turnover measures how quickly a company turns over its asset through sales.

Pavlovic International Bank a.d's Asset Turnover for the fiscal year that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (A: Dec. 2025 )/( (Total Assets (A: Dec. 2024 )+Total Assets (A: Dec. 2025 ))/ count )
=20.574/( (336.012+418.454)/ 2 )
=20.574/377.233
=0.05

Pavlovic International Bank a.d's Asset Turnover for the quarter that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (Q: Dec. 2025 )/( (Total Assets (Q: Jun. 2025 )+Total Assets (Q: Dec. 2025 ))/ count )
=10.867/( (362.114+418.454)/ 2 )
=10.867/390.284
=0.03

* 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.

Companies with low profit margins tend to have high Asset Turnover, while those with high profit margins have low Asset Turnover. Companies in the retail industry tend to have a very high turnover ratio.

Frequently Asked Questions Learn more about Asset Turnover →
What does a Asset Turnover of 0.03 mean?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a Asset Turnover of 0.03 as of Dec. 2025. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on Pavlovic International Bank a.d and its competitors.
Is Pavlovic International Bank a.d's Asset Turnover too high?
Pavlovic International Bank a.d's current Asset Turnover is 0.03. Overall, Pavlovic International Bank a.d has a GF Score™ of 2/100, reflecting its overall financial health beyond just this single metric.
How does Pavlovic International Bank a.d's Asset Turnover compare to BKESF and TCNB?
Pavlovic International Bank a.d's Asset Turnover of 0.03 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 Asset Turnover for a Banks company?
A good Asset Turnover depends on the Banks industry context. However, Asset Turnover 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 Asset Turnover mean?
A high Asset Turnover can signal that a stock is expensive relative to its fundamentals. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on Pavlovic International Bank a.d and its competitors. Pavlovic International Bank a.d's current Asset Turnover is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pavlovic International Bank a.d stock overvalued right now?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a current Asset Turnover of 0.03. The current Asset Turnover is 0.03. Pavlovic International Bank a.d's overall GF Score™ is 2/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Asset Turnover calculated?
Asset Turnover is calculated from a company's financial statements. For Pavlovic International Bank a.d (XBLB:PIBB-R-D), the current Asset Turnover is 0.03 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.

Pavlovic International Bank a.d Business Description

Address Ivana Franje Jukiya 1, Bijelina, BIH, 78000
Pavlovic International Bank a.d provides banking services. It provides retail and corporate banking services including loans, overdrafts, consumer loans, housing loans, savings accounts, payment cards, short term loans, and other banking services.
2GF Score

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

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