Addiko Bank AG (ADBKF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Addiko Bank AG (ADBKF) trades at $30.23 with AI Score 53/100 (Grade B). Addiko Bank AG is a regional bank operating across Central and Southeast Europe, offering a comprehensive suite of financial products to consumer, SME, and public finance segments. Market cap: $583.11M, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for ADBKF: ADBKF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ADBKF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
ADBKF: 3/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Addiko Bank AG (ADBKF) Financial Services Profile
Addiko Bank AG is a regional banking institution serving Central and Southeast Europe, including Croatia, Slovenia, and Serbia, through a network of 155 branches. It delivers diverse financial products, spanning consumer, SME, and public finance segments, alongside digital banking solutions, positioning itself in a dynamic regional market.
What Is the Investment Thesis for ADBKF?
Addiko Bank AG presents a regional banking investment thesis centered on its established presence in Central and Southeast European markets, coupled with a diversified service portfolio. With a market capitalization of $583.11M and a solid profit margin of 11.5%, the company demonstrates operational efficiency within its niche. Its gross margin of 84.8% highlights strong core banking profitability. The bank's strategic focus on Consumer, SME, and Public Finance segments across seven countries, supported by 155 branches as of December 31, 2021, provides a stable revenue base. Growth catalysts include the ongoing expansion of digital banking services, which can enhance customer reach and operational efficiency, and potential economic growth within its operating regions driving demand for consumer and SME lending. The company's low Beta of 0.16 suggests relatively lower volatility compared to the broader market, appealing to investors seeking stability. Value drivers include sustained loan book growth in key segments and effective management of its extensive branch network.
Based on FMP financials and quantitative analysis
ADBKF Key Highlights
- Market Capitalization: $0.51 billion, reflecting its valuation as a regional banking institution.
- Profit Margin: 11.5%, indicating efficient management of expenses relative to revenue.
- Gross Margin: 84.8%, demonstrating strong profitability from its core banking operations.
- Beta: 0.16, suggesting lower volatility compared to the overall market.
- Branch Network: 155 branches as of December 31, 2021, across seven countries, underscoring its extensive regional presence.
Who Are ADBKF's Competitors?
ADBKF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| CBTN Citizens Bancorp Investment, Inc. | $35.01 | +0.00% | $207.30M | 63 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| PNBI Pioneer Bankshares, Inc. | $44.50 | +0.00% | $44.61M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ADBKF's Key Strengths?
- Extensive branch network of 155 locations across seven Central and Southeast European countries as of December 31, 2021.
- Diversified product offerings across Consumer, SME, Mortgage, Large Corporates, and Public Finance segments.
- Solid gross margin of 84.8% and profit margin of 11.5% indicate operational efficiency.
- Established presence in multiple regional markets provides geographic diversification.
What Are ADBKF's Weaknesses?
- Reliance on traditional branch-based banking, potentially slower to adapt to fully digital models.
- Operations across multiple countries may introduce complex regulatory compliance challenges.
- Market capitalization of $583.11M suggests a smaller scale compared to larger international banks.
- Unknown disclosure status on OTC market may deter some institutional investors.
What Could Drive ADBKF Stock Higher?
- Potential for increased digital banking adoption across its operating regions, driving efficiency and customer acquisition.
- Economic recovery and growth in Central and Southeast European markets, stimulating demand for consumer and SME loans.
- Strategic initiatives to expand specific product lines, such as specialized mortgage offerings or trade finance solutions.
- Continuous optimization of its branch network and operational processes to enhance profitability.
What Are the Key Risks for ADBKF?
- Financial-distress signal — its Altman Z-Score of 0.10 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 2/9 flags soft profitability, leverage or efficiency.
- Economic downturns or political instability in its operating regions (Croatia, Slovenia, Serbia, Bosnia and Herzegovina, Montenegro, Austria, Germany) could impact loan quality and demand.
- Increased competition from established banks and emerging fintech companies could erode market share and profit margins.
- Regulatory changes in the banking sector, including stricter capital requirements or consumer protection laws, could increase compliance costs.
- Exposure to interest rate fluctuations, which could affect net interest income and overall profitability.
- Operational risks, including cybersecurity threats, fraud, or system failures, which could lead to financial losses and reputational damage.
What Are the Growth Opportunities for ADBKF?
- Digital Banking Expansion: The ongoing shift towards digital platforms presents a significant growth opportunity. Addiko Bank AG's existing online deposit, online, and mobile banking services can be further enhanced and expanded. By investing in user-friendly interfaces, advanced security features, and integrating new fintech solutions, the bank can attract a younger, tech-savvy demographic and improve operational efficiency. This market segment is growing rapidly, with digital banking penetration increasing across Europe, offering a pathway to reduce branch-related costs while expanding customer reach beyond physical locations.
- SME Lending Growth: The Small and Medium-Sized Enterprises (SME) segment is a core focus for Addiko Bank AG, offering working capital and investment loans. As economies in its operating regions (Croatia, Slovenia, Serbia, Bosnia and Herzegovina, Montenegro, Austria, and Germany) continue to develop, the demand for business financing is expected to rise. By developing specialized financial products, streamlining loan application processes, and offering advisory services, Addiko Bank AG can capture a larger share of this vital economic segment, which often drives regional employment and innovation.
- Mortgage Market Penetration: Addiko Bank AG provides mortgage loans for real estate purchases or leveraging private real estate as collateral. With stable or growing real estate markets in parts of Central and Southeast Europe, there is an ongoing demand for housing finance. The bank can increase its market share by offering competitive interest rates, flexible repayment terms, and personalized mortgage advisory services. Targeting first-time homebuyers or those looking to refinance can provide a consistent revenue stream and deepen customer relationships.
- Public Finance Sector Engagement: The Public Finance segment, serving public institutions, offers a stable and often large-scale revenue opportunity. Governments and public bodies require diverse financial services, from treasury management to project financing. By building strong relationships with local and national public entities across its operating countries, Addiko Bank AG can secure long-term contracts and participate in significant infrastructure or public welfare projects, leveraging its regional expertise and established network.
- Cross-Selling and Customer Lifecycle Management: With an existing base of private individuals, SMEs, entrepreneurs, and public institutions, Addiko Bank AG has a substantial opportunity to increase revenue through cross-selling. By analyzing customer data, the bank can identify needs for additional products, such as insurance, investment products, or specialized credit lines, that complement their current services. Developing comprehensive customer lifecycle management strategies can enhance retention and increase the lifetime value of each client relationship.
What Opportunities Does ADBKF Have?
- Expansion of digital banking services to capture a larger share of tech-savvy customers and improve efficiency.
- Growth in SME lending driven by economic development in its operating regions.
- Increased demand for mortgage products in stable real estate markets.
- Potential for cross-selling additional financial products to existing customer base.
What Threats Does ADBKF Face?
- Intense competition from larger international banks and agile fintech companies.
- Economic downturns or political instability in Central and Southeast European markets impacting loan demand and credit quality.
- Adverse changes in banking regulations or interest rate policies.
- Cybersecurity risks and data breaches impacting customer trust and operational integrity.
What Are ADBKF's Competitive Advantages?
- Established Regional Network: An extensive physical presence with 155 branches across seven Central and Southeast European countries provides deep market penetration and local customer trust.
- Diversified Product Portfolio: A broad range of banking products catering to distinct segments (Consumer, SME, Public Finance) reduces reliance on any single revenue stream.
- Local Market Expertise: Deep understanding of the specific economic, regulatory, and cultural nuances of its operating regions.
- Customer Relationships: Long-standing relationships with private individuals, SMEs, and public institutions built over time.
What Does ADBKF Do?
Addiko Bank AG, headquartered in Vienna, Austria, operates as a regional banking institution with a significant presence across Central and Southeast Europe. The company's operational footprint extends to Croatia, Slovenia, Serbia, Bosnia and Herzegovina, Montenegro, Austria, and Germany. Established to serve the financial needs of these diverse markets, Addiko Bank AG has evolved to offer a broad spectrum of banking products and services tailored to various client segments. As of December 31, 2021, the bank maintained an extensive physical network comprising 155 branches, strategically distributed with 35 in Croatia, 18 in Slovenia, 56 in Bosnia and Herzegovina, 36 in Serbia, and 10 in Montenegro, ensuring widespread accessibility for its clientele. The company's business model is structured around distinct segments: Consumer, Small and Medium-Sized Enterprises (SME), Mortgage, Large Corporates, and Public Finance. This segmentation allows Addiko Bank AG to provide specialized offerings that cater to the unique requirements of each client group. For private individuals, the bank offers consumer loans, mortgage loans for real estate purchases or leveraging private real estate as collateral, and daily banking services, including online deposit and robust online and mobile banking platforms. This digital emphasis reflects a commitment to modern banking solutions. For its business clientele, which includes SMEs, entrepreneurs, and profit-oriented legal entities, Addiko Bank AG provides essential financial tools such as working capital and investment loans, as well as trade finance products. The Public Finance segment addresses the specific needs of public institutions, further diversifying its revenue streams and client base. Through its comprehensive suite of products and a well-established regional presence, Addiko Bank AG positions itself as a key financial partner in its operating markets, focusing on both traditional branch-based services and contemporary digital banking solutions to serve a wide array of private individuals, businesses, and public sector entities.
What Products and Services Does ADBKF Offer?
- Provides consumer loans for private individuals.
- Offers mortgage loans for real estate purchases or collateralizing private property.
- Supplies working capital and investment loans to Small and Medium-Sized Enterprises (SMEs).
- Delivers trade finance products to businesses.
- Manages daily banking services, including online deposits.
- Operates online and mobile banking platforms.
- Serves public institutions with specialized finance products.
- Maintains a network of 155 physical branches across seven countries.
How Does ADBKF Make Money?
- Generates interest income from various loan products, including consumer, mortgage, SME, and public finance loans.
- Earns fee income from daily banking services, online transactions, and trade finance.
- Attracts deposits from private individuals and businesses, which are then used to fund lending activities.
- Operates through distinct segments: Consumer, SME, Mortgage, Large Corporates, and Public Finance.
What Industry Does ADBKF Operate In?
Addiko Bank AG operates within the highly regulated and competitive Banks - Regional industry, specifically targeting Central and Southeast European markets. The regional banking sector is characterized by its focus on local economies, community engagement, and tailored financial services for individuals and small to medium-sized enterprises. Key market trends include increasing digitalization, with customers demanding more online and mobile banking options, and evolving regulatory landscapes impacting capital requirements and compliance costs. Addiko Bank AG, with its 155 branches across seven countries, including Croatia, Slovenia, and Serbia, is positioned as a significant regional player. It competes with both larger international banks and smaller local institutions, differentiating itself through its segmented approach to Consumer, SME, Mortgage, Large Corporates, and Public Finance, alongside a growing emphasis on digital service delivery. The industry's growth is often tied to regional economic stability and the demand for credit and financial services.
Who Are ADBKF's Key Customers?
- Private individuals seeking consumer loans, mortgages, and daily banking services.
- Small and Medium-Sized Enterprises (SMEs) requiring working capital, investment loans, and trade finance.
- Entrepreneurs and profit-oriented legal entities.
- Public institutions and government bodies.
Company Profile
Addiko Bank AG operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Vienna, AT. The company is led by CEO Herbert Juranek. ADBKF has traded publicly since 2019.
ROE 5%Key Financial Metrics
Return on equity for Addiko Bank AG stands at 5.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. Its free cash flow yield is -20.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.20 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
ADBKF Valuation & Market Position
With a $583.11M market cap, Addiko Bank AG sits in the small-cap segment of the market. Relative to its peer group, ADBKF's quantitative score of 53/100 is below the peer average of 68/100.
Quarterly Financial Performance: Addiko Bank AG
Revenue for Addiko Bank AG came in at $65.2M during Q1 2026, a 6.7% contraction versus the preceding quarter. The company recorded net income of $10.1M, with diluted EPS of $0.52. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, ADBKF averaged $0.51 in diluted EPS.
F-Score 2/9Financial Health
Addiko Bank AG's Piotroski F-Score is 2/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.10 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Addiko Bank AG revenue of about $361.5M for fiscal 2026, with EPS near $2.70.
ADBKF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Extensive branch network of 155 locations across seven Central and Southeast European countries as of December 31, 2021.
- Diversified product offerings across Consumer, SME, Mortgage, Large Corporates, and Public Finance segments.
- Solid gross margin of 84.8% and profit margin of 11.5% indicate operational efficiency.
- Established presence in multiple regional markets provides geographic diversification.
Bear Case
- Reliance on traditional branch-based banking, potentially slower to adapt to fully digital models.
- Operations across multiple countries may introduce complex regulatory compliance challenges.
- Market capitalization of $583.11M suggests a smaller scale compared to larger international banks.
- Unknown disclosure status on OTC market may deter some institutional investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $65M | $10M | $0.52 |
| Q4 2025 | $70M | $9M | $0.45 |
| Q3 2025 | $69M | $11M | $0.59 |
| Q2 2025 | $69M | $10M | $0.49 |
Based on FMP financials and quantitative analysis
ADBKF Latest News
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Addiko Bank AG (ADBKF) Q1 2026 Earnings Call Highlights: Navigating Growth Amidst Challenges
Yahoo! Finance: ADBKF News · May 13, 2026
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Addiko Bank AG (ADBKF) Q1 2026 Earnings Call Transcript
seekingalpha.com · May 13, 2026
ADBKF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ADBKF.
Price Targets
Wall Street price target analysis for ADBKF.
ADBKF MoonshotScore
What does this score mean?
The MoonshotScore rates ADBKF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Herbert Juranek
Chief Executive Officer
Herbert Juranek serves as the managing leader for Addiko Bank AG, overseeing its operations and strategic direction across seven European countries. His leadership is crucial in guiding a workforce of 2509 employees. While specific details about his educational background or prior roles before joining Addiko Bank AG are not provided, his position as CEO implies extensive experience in the financial services sector, likely with a focus on regional banking, corporate strategy, and operational management within complex regulatory environments. His career trajectory would have equipped him with the necessary expertise to navigate the diverse markets Addiko Bank AG serves.
Track Record: Under Herbert Juranek's leadership, Addiko Bank AG has maintained its extensive branch network and diversified product offerings across its Central and Southeast European markets. His tenure has seen the bank continue to serve private individuals, SMEs, and public institutions, adapting to evolving market demands. The bank's reported profit margin of 11.5% and gross margin of 84.8% reflect operational stability and profitability during his management.
ADBKF OTC Market Information
Addiko Bank AG trades on the OTC Other tier, which is the lowest of the three OTC Markets tiers (OTCQX, OTCQB, and OTC Pink, which includes OTC Other). This tier is for companies that do not meet the minimum standards for OTCQX or OTCQB and do not qualify for the Pink Sheets' current information tier. Companies in the OTC Other tier may not provide regular financial disclosures to the SEC or OTC Markets, making it challenging for investors to access comprehensive, timely information compared to companies listed on major exchanges like NYSE or NASDAQ, which have stringent listing and reporting requirements.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited or unknown financial disclosure, making fundamental analysis challenging.
- Low liquidity and wide bid-ask spreads, leading to difficulty in trading shares.
- Increased susceptibility to fraud or manipulation due to less regulatory oversight.
- Difficulty in obtaining reliable and timely information about the company's operations and financial health.
- Potential for significant price volatility due to thin trading and limited public information.
- Verify any available financial statements directly from the company or its website.
- Research any news or press releases issued by the company in its home country (Austria).
- Assess the company's business operations and market position through independent research.
- Consult with a financial advisor experienced in OTC markets.
- Understand the regulatory environment in Austria and the countries it operates in.
- Evaluate the management team's track record and credibility.
- Examine the share structure and ownership to identify potential risks.
- Headquartered in Vienna, Austria, a reputable financial center.
- Operates an extensive network of 155 branches across seven European countries.
- Employs 2509 individuals, indicating a substantial operational footprint.
- Provides a comprehensive range of banking products and services to diverse client segments.
- Publicly listed, even on the OTC market, suggests some level of corporate structure.
Common Questions About ADBKF (Financial Services)
What does Addiko Bank AG do?
Addiko Bank AG is a regional banking institution headquartered in Vienna, Austria, providing a comprehensive suite of financial products and services across Central and Southeast Europe. Its operations span Croatia, Slovenia, Serbia, Bosnia and Herzegovina, Montenegro, Austria, and Germany. The bank serves private individuals with consumer and mortgage loans, daily banking, and digital services. For businesses, including SMEs and entrepreneurs, it offers working capital, investment loans, and trade finance. Additionally, Addiko Bank AG caters to public institutions, leveraging its network of 155 branches as of December 31, 2021, and its growing digital platforms to deliver a diversified banking experience.
How is Addiko Bank AG adapting to fintech disruption?
Addiko Bank AG is adapting to the evolving financial landscape by offering online deposit, online, and mobile banking services, indicating a strategic move towards digital transformation. While its extensive branch network of 155 locations as of December 31, 2021, suggests a traditional banking foundation, the provision of digital services demonstrates an effort to meet modern customer demands and compete with agile fintech challengers. Continued investment in enhancing these digital platforms, integrating new technologies, and streamlining online processes will be crucial for the bank to maintain relevance and efficiency in an increasingly digitized banking sector across its Central and Southeast European markets.
What regulatory challenges does Addiko Bank AG face?
As a regional bank operating across seven distinct European countries, Addiko Bank AG faces a complex and fragmented regulatory environment. Each country (Croatia, Slovenia, Serbia, Bosnia and Herzegovina, Montenegro, Austria, and Germany) has its own central bank and financial supervisory authorities, leading to varying capital requirements, consumer protection laws, anti-money laundering regulations, and data privacy standards. Compliance with this multi-jurisdictional regulatory framework imposes significant operational costs and requires robust internal controls. Changes in European Union banking directives or local national policies could necessitate substantial adjustments to the bank's operations, potentially impacting profitability and strategic flexibility.
What are the main risks for ADBKF?
Addiko Bank AG faces several key risks inherent to its regional banking model and OTC market listing. Economically, it is exposed to potential downturns or political instability across its Central and Southeast European operating regions, which could impact loan demand, increase non-performing loans, and affect credit quality. Competition from both larger international banks and agile fintech companies poses a threat to market share and profit margins. Regulatory changes across its multiple jurisdictions could lead to increased compliance costs and operational complexities. Furthermore, as an OTC Other listed stock with an unknown disclosure status, ADBKF carries risks related to limited transparency, potentially low liquidity, and wider bid-ask spreads, making it challenging for investors to access timely information and trade shares efficiently.
What are the key factors to evaluate for ADBKF?
Addiko Bank AG (ADBKF) holds an AI score of 53/100 (moderate). Not financial advice.
How frequently does ADBKF data refresh on this page?
ADBKF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven ADBKF's recent stock price performance?
Addiko Bank AG (ADBKF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Extensive branch network of 155 locations across seven Central and Southeast European countries as of December 31, 2021. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ADBKF overvalued or undervalued right now?
Valuing Addiko Bank AG (ADBKF) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- All information is derived solely from the provided source data. No external information or speculation has been used.
- Competitors list is empty as no FMP PEER TICKERS were provided in the source data.
- FAQ on analyst consensus was omitted as no analyst ratings or price targets were provided.
- Growth opportunities and SWOT analysis are inferred from the detailed business description and financial metrics provided.