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Eurobank Ergasias SA
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Let's analyse Eurobank Ergasias SA together

PenkeI guess you are interested in Eurobank Ergasias SA. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Eurobank Ergasias SA. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Eurobank Ergasias SA (30 sec.)










What can you expect buying and holding a share of Eurobank Ergasias SA? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
27.5%

What is your share worth?

Current worth
$1.17
Expected worth in 1 year
$-9.21
How sure are you?
62.5%

+ What do you gain per year?

Total Gains per Share
$-10.38
Return On Investment
-952.0%

For what price can you sell your share?

Current Price per Share
$1.09
Expected price per share
$0.99 - $1.12
How sure are you?
50%

1. Valuation of Eurobank Ergasias SA (5 min.)




Live pricePrice per Share (EOD)

$1.09

Intrinsic Value Per Share

$1.39 - $6.39

Total Value Per Share

$2.56 - $7.56

2. Growth of Eurobank Ergasias SA (5 min.)




Is Eurobank Ergasias SA growing?

Current yearPrevious yearGrowGrow %
How rich?$8.5b$26.1b$37.2b58.8%

How much money is Eurobank Ergasias SA making?

Current yearPrevious yearGrowGrow %
Making money$309.2m$360.7m-$51.5m-16.7%
Net Profit Margin47.1%45.6%--

How much money comes from the company's main activities?

3. Financial Health of Eurobank Ergasias SA (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Eurobank Ergasias SA? (5 min.)

Welcome investor! Eurobank Ergasias SA's management wants to use your money to grow the business. In return you get a share of Eurobank Ergasias SA.

What can you expect buying and holding a share of Eurobank Ergasias SA?

First you should know what it really means to hold a share of Eurobank Ergasias SA. And how you can make/lose money.

Speculation

The Price per Share of Eurobank Ergasias SA is $1.09. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Eurobank Ergasias SA.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Eurobank Ergasias SA, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $1.17. Based on the TTM, the Book Value Change Per Share is $-2.59 per quarter. Based on the YOY, the Book Value Change Per Share is $2.68 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Eurobank Ergasias SA.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.022.2%0.054.6%0.054.5%0.011.3%0.000.0%
Usd Book Value Change Per Share-9.78-897.6%-2.59-238.0%2.68246.0%0.022.0%0.011.1%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share-9.78-897.6%-2.59-238.0%2.68246.0%0.022.0%0.011.2%
Usd Price Per Share0.85-0.77-0.48-0.48-0.40-
Price to Earnings Ratio8.91-4.69-3.18-17.32-27.29-
Price-to-Total Gains Ratio-0.09-135.41-15.62-55.17-81.35-
Price to Book Ratio0.72-0.23-0.40-0.40-0.37-
Price-to-Total Gains Ratio-0.09-135.41-15.62-55.17-81.35-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share1.09
Number of shares917
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share-2.590.02
Usd Total Gains Per Share-2.590.02
Gains per Quarter (917 shares)-2,378.9019.51
Gains per Year (917 shares)-9,515.5978.04
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10-9516-952607868
20-19031-190420156146
30-28547-285580234224
40-38062-380740312302
50-47578-475900390380
60-57094-571060468458
70-66609-666221546536
80-76125-761381624614
90-85640-856541702692
100-95156-951701780770

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%18.02.00.090.0%29.011.00.072.5%37.021.00.063.8%
Book Value Change Per Share1.03.00.025.0%9.03.00.075.0%13.07.00.065.0%24.016.00.060.0%31.026.01.053.4%
Dividend per Share0.00.04.00.0%0.00.012.00.0%3.00.017.015.0%11.00.029.027.5%28.00.030.048.3%
Total Gains per Share1.03.00.025.0%9.03.00.075.0%13.07.00.065.0%25.015.00.062.5%33.025.00.056.9%

Fundamentals of Eurobank Ergasias SA

About Eurobank Ergasias SA

Eurobank Ergasias Services and Holdings S.A., together with its subsidiaries, provides retail banking, corporate and private banking, asset management, treasury, capital market, and other services primarily in Greece, rest of Europe, and internationally. It operates through Retail, Corporate, Global Markets & Asset Management, International, Remedial and Servicing Strategy, and Investment Property. The company offers current accounts, savings, deposits and investment savings products, credit and debit cards, consumer loans, small business banking, mortgages, overdrafts, loans and other credit facilities, foreign currency and derivative products to corporate entities, custody and clearing services, and cash management and trade services, as well as corporate finance, and merger and acquisitions advice services. It also provides financial instruments trading and services to institutional investors, as well as specialized financial advice and intermediation services; and mutual fund products, and institutional asset management and equity brokerage services. In addition, the company is involved in the investment property activities related to a portfolio of commercial real estate assets; property management and other investing activities; and provision of private banking services for medium and high net worth individuals. Further, it offers business-to-business e-commerce, accounting, tax, leasing, factoring, informatics data processing, pension assurance intermediary, fund management, real estate, and other services, as well as produces and distributes solar generated electric energy. Eurobank Ergasias Services and Holdings S.A. was founded in 1924 and is based in Athens, Greece.

Fundamental data was last updated by Penke on 2024-05-16 05:57:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Eurobank Ergasias SA.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Eurobank Ergasias SA earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Eurobank Ergasias SA to the Banks - Regional industry mean.
  • A Net Profit Margin of 18.5% means that $0.19 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Eurobank Ergasias SA:

  • The MRQ is 18.5%. The company is making a huge profit. +2
  • The TTM is 47.1%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ18.5%TTM47.1%-28.6%
TTM47.1%YOY45.6%+1.5%
TTM47.1%5Y14.6%+32.5%
5Y14.6%10Y-4.1%+18.8%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ18.5%38.5%-20.0%
TTM47.1%29.6%+17.5%
YOY45.6%26.3%+19.3%
5Y14.6%23.6%-9.0%
10Y-4.1%20.4%-24.5%
1.1.2. Return on Assets

Shows how efficient Eurobank Ergasias SA is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Eurobank Ergasias SA to the Banks - Regional industry mean.
  • 0.2% Return on Assets means that Eurobank Ergasias SA generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Eurobank Ergasias SA:

  • The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.4%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.2%TTM0.4%-0.2%
TTM0.4%YOY0.4%-0.1%
TTM0.4%5Y0.1%+0.3%
5Y0.1%10Y0.0%+0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2%0.3%-0.1%
TTM0.4%0.2%+0.2%
YOY0.4%0.2%+0.2%
5Y0.1%0.2%-0.1%
10Y0.0%0.2%-0.2%
1.1.3. Return on Equity

Shows how efficient Eurobank Ergasias SA is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Eurobank Ergasias SA to the Banks - Regional industry mean.
  • 2.0% Return on Equity means Eurobank Ergasias SA generated $0.02 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Eurobank Ergasias SA:

  • The MRQ is 2.0%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 3.9%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ2.0%TTM3.9%-1.8%
TTM3.9%YOY5.4%-1.5%
TTM3.9%5Y1.1%+2.7%
5Y1.1%10Y-0.5%+1.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ2.0%3.1%-1.1%
TTM3.9%2.5%+1.4%
YOY5.4%2.7%+2.7%
5Y1.1%2.5%-1.4%
10Y-0.5%2.8%-3.3%

1.2. Operating Efficiency of Eurobank Ergasias SA.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Eurobank Ergasias SA is operating .

  • Measures how much profit Eurobank Ergasias SA makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Eurobank Ergasias SA to the Banks - Regional industry mean.
  • An Operating Margin of -13.6% means the company generated $-0.14  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Eurobank Ergasias SA:

  • The MRQ is -13.6%. The company is operating very inefficient. -2
  • The TTM is 63.0%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ-13.6%TTM63.0%-76.6%
TTM63.0%YOY75.4%-12.4%
TTM63.0%5Y39.4%+23.6%
5Y39.4%10Y-1.3%+40.7%
1.2.2. Operating Ratio

Measures how efficient Eurobank Ergasias SA is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 1.02 means that the operating costs are $1.02 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Eurobank Ergasias SA:

  • The MRQ is 1.025. The company is inefficient in keeping operating costs low. -1
  • The TTM is 0.542. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ1.025TTM0.542+0.482
TTM0.542YOY0.338+0.204
TTM0.5425Y0.452+0.090
5Y0.45210Y0.486-0.034

1.3. Liquidity of Eurobank Ergasias SA.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Eurobank Ergasias SA is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.28 means the company has $0.28 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Eurobank Ergasias SA:

  • The MRQ is 0.278. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.333. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.278TTM0.333-0.056
TTM0.333YOY0.347-0.014
TTM0.3335Y0.233+0.100
5Y0.23310Y0.138+0.095
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.3330.124+0.209
YOY0.3470.167+0.180
5Y0.2330.207+0.026
10Y0.1380.131+0.007
1.3.2. Quick Ratio

Measures if Eurobank Ergasias SA is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Eurobank Ergasias SA to the Banks - Regional industry mean.
  • A Quick Ratio of 0.34 means the company can pay off $0.34 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Eurobank Ergasias SA:

  • The MRQ is 0.338. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.349. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.338TTM0.349-0.010
TTM0.349YOY0.299+0.050
TTM0.3495Y0.227+0.122
5Y0.22710Y0.135+0.092

1.4. Solvency of Eurobank Ergasias SA.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Eurobank Ergasias SA assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Eurobank Ergasias SA to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.90 means that Eurobank Ergasias SA assets are financed with 90.1% credit (debt) and the remaining percentage (100% - 90.1%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Eurobank Ergasias SA:

  • The MRQ is 0.901. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.281. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.901TTM0.281+0.620
TTM0.281YOY0.703-0.423
TTM0.2815Y0.745-0.465
5Y0.74510Y0.826-0.081
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9010.915-0.014
TTM0.2810.916-0.635
YOY0.7030.918-0.215
5Y0.7450.919-0.174
10Y0.8260.926-0.100
1.4.2. Debt to Equity Ratio

Measures if Eurobank Ergasias SA is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Eurobank Ergasias SA to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 910.0% means that company has $9.10 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Eurobank Ergasias SA:

  • The MRQ is 9.100. The company is unable to pay all its debts with equity. -1
  • The TTM is 2.893. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ9.100TTM2.893+6.207
TTM2.893YOY9.300-6.407
TTM2.8935Y8.935-6.042
5Y8.93510Y9.925-0.991
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ9.10010.799-1.699
TTM2.89310.909-8.016
YOY9.30011.266-1.966
5Y8.93511.324-2.389
10Y9.92512.886-2.961

2. Market Valuation of Eurobank Ergasias SA

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Eurobank Ergasias SA generates.

  • Above 15 is considered overpriced but always compare Eurobank Ergasias SA to the Banks - Regional industry mean.
  • A PE ratio of 8.91 means the investor is paying $8.91 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Eurobank Ergasias SA:

  • The EOD is 11.490. Based on the earnings, the company is underpriced. +1
  • The MRQ is 8.908. Based on the earnings, the company is underpriced. +1
  • The TTM is 4.687. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD11.490MRQ8.908+2.583
MRQ8.908TTM4.687+4.221
TTM4.687YOY3.179+1.508
TTM4.6875Y17.318-12.632
5Y17.31810Y27.293-9.974
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD11.4903.675+7.815
MRQ8.9083.418+5.490
TTM4.6874.741-0.054
YOY3.1796.901-3.722
5Y17.3189.496+7.822
10Y27.2939.770+17.523
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Eurobank Ergasias SA:

  • The EOD is 2.366. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 1.834. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is -2.742. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD2.366MRQ1.834+0.532
MRQ1.834TTM-2.742+4.576
TTM-2.742YOY0.346-3.088
TTM-2.7425Y0.420-3.162
5Y0.42010Y-0.164+0.584
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD2.366-2.538+4.904
MRQ1.834-2.360+4.194
TTM-2.742-1.072-1.670
YOY0.3466.461-6.115
5Y0.4200.248+0.172
10Y-0.1640.032-0.196
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Eurobank Ergasias SA is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.72 means the investor is paying $0.72 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Eurobank Ergasias SA:

  • The EOD is 0.931. Based on the equity, the company is cheap. +2
  • The MRQ is 0.722. Based on the equity, the company is cheap. +2
  • The TTM is 0.230. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.931MRQ0.722+0.209
MRQ0.722TTM0.230+0.491
TTM0.230YOY0.402-0.172
TTM0.2305Y0.398-0.168
5Y0.39810Y0.371+0.027
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.9310.452+0.479
MRQ0.7220.420+0.302
TTM0.2300.439-0.209
YOY0.4020.594-0.192
5Y0.3980.763-0.365
10Y0.3710.991-0.620
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Eurobank Ergasias SA compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---9.784-2.594-73%2.681-465%0.021-46133%0.013-78312%
Book Value Per Share--1.1718.663-86%3.562-67%2.952-60%1.945-40%
Current Ratio--0.2780.333-17%0.347-20%0.233+19%0.138+101%
Debt To Asset Ratio--0.9010.281+221%0.703+28%0.745+21%0.826+9%
Debt To Equity Ratio--9.1002.893+215%9.300-2%8.935+2%9.925-8%
Dividend Per Share----0%-0%0.000-100%0.000-100%
Eps--0.0240.050-53%0.049-51%0.014+67%0.000+102%
Free Cash Flow Per Share--0.115-0.033+129%0.098+17%0.107+8%-0.007+106%
Free Cash Flow To Equity Per Share--0.2360.017+1317%0.136+74%0.122+94%0.021+1038%
Gross Profit Margin--0.0250.680-96%0.954-97%0.927-97%0.963-97%
Intrinsic Value_10Y_max--6.393--------
Intrinsic Value_10Y_min--1.388--------
Intrinsic Value_1Y_max--0.504--------
Intrinsic Value_1Y_min---0.001--------
Intrinsic Value_3Y_max--1.619--------
Intrinsic Value_3Y_min--0.119--------
Intrinsic Value_5Y_max--2.859--------
Intrinsic Value_5Y_min--0.370--------
Market Cap7978908825.600+22%6185484364.8005618176627.200+10%3540897779.108+75%3524245796.457+76%2931417346.421+111%
Net Profit Margin--0.1850.471-61%0.456-59%0.146+27%-0.041+122%
Operating Margin---0.1360.630-122%0.754-118%0.394-134%-0.013-90%
Operating Ratio--1.0250.542+89%0.338+203%0.452+127%0.486+111%
Pb Ratio0.931+22%0.7220.230+213%0.402+79%0.398+81%0.371+95%
Pe Ratio11.490+22%8.9084.687+90%3.179+180%17.318-49%27.293-67%
Price Per Share1.090+22%0.8450.768+10%0.479+77%0.478+77%0.399+112%
Price To Free Cash Flow Ratio2.366+22%1.834-2.742+249%0.346+430%0.420+336%-0.164+109%
Price To Total Gains Ratio-0.111-29%-0.086135.408-100%15.617-101%55.166-100%81.354-100%
Quick Ratio--0.3380.349-3%0.299+13%0.227+49%0.135+151%
Return On Assets--0.0020.004-43%0.004-52%0.001+110%0.000+108%
Return On Equity--0.0200.039-48%0.054-62%0.011+80%-0.005+126%
Total Gains Per Share---9.784-2.594-73%2.681-465%0.021-46085%0.013-76997%
Usd Book Value--8570415000.00063416893750.000-86%26149585000.000-67%21669403000.000-60%14263220125.000-40%
Usd Book Value Change Per Share---9.784-2.594-73%2.681-465%0.021-46133%0.013-78312%
Usd Book Value Per Share--1.1718.663-86%3.562-67%2.952-60%1.945-40%
Usd Dividend Per Share----0%-0%0.000-100%0.000-100%
Usd Eps--0.0240.050-53%0.049-51%0.014+67%0.000+102%
Usd Free Cash Flow--843045000.000-244396250.000+129%733731250.000+15%792538250.000+6%-47306000.000+106%
Usd Free Cash Flow Per Share--0.115-0.033+129%0.098+17%0.107+8%-0.007+106%
Usd Free Cash Flow To Equity Per Share--0.2360.017+1317%0.136+74%0.122+94%0.021+1038%
Usd Market Cap7978908825.600+22%6185484364.8005618176627.200+10%3540897779.108+75%3524245796.457+76%2931417346.421+111%
Usd Price Per Share1.090+22%0.8450.768+10%0.479+77%0.478+77%0.399+112%
Usd Profit--173600000.000309225000.000-44%360762500.000-52%92876000.000+87%-7133875.000+104%
Usd Revenue--936355000.000729418375.000+28%749490875.000+25%617804425.000+52%565716287.500+66%
Usd Total Gains Per Share---9.784-2.594-73%2.681-465%0.021-46085%0.013-76997%
 EOD+3 -5MRQTTM+9 -25YOY+11 -235Y+18 -1810Y+19 -17

3.2. Fundamental Score

Let's check the fundamental score of Eurobank Ergasias SA based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1511.490
Price to Book Ratio (EOD)Between0-10.931
Net Profit Margin (MRQ)Greater than00.185
Operating Margin (MRQ)Greater than0-0.136
Quick Ratio (MRQ)Greater than10.338
Current Ratio (MRQ)Greater than10.278
Debt to Asset Ratio (MRQ)Less than10.901
Debt to Equity Ratio (MRQ)Less than19.100
Return on Equity (MRQ)Greater than0.150.020
Return on Assets (MRQ)Greater than0.050.002
Total4/10 (40.0%)

3.3. Technical Score

Let's check the technical score of Eurobank Ergasias SA based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5057.200
Ma 20Greater thanMa 501.065
Ma 50Greater thanMa 1001.003
Ma 100Greater thanMa 2000.971
OpenGreater thanClose1.090
Total4/5 (80.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Long-term Assets Other  -4,514,68544,485-4,470,2007,595-4,462,60550,995-4,411,61072,390,11567,978,505
EBIT  658,595122,605781,200-253,890527,310-124,775402,535-529,480-126,945
EBITDA  693,315118,265811,580-251,720559,860-124,775435,085-527,310-92,225
Operating Income  658,595122,605781,200-253,890527,310-124,775402,535-494,760-92,225



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets79,781,000
Total Liabilities71,882,000
Total Stockholder Equity7,899,000
 As reported
Total Liabilities 71,882,000
Total Stockholder Equity+ 7,899,000
Total Assets = 79,781,000

Assets

Total Assets79,781,000
Total Current Assets11,149,000
Long-term Assets68,632,000
Total Current Assets
Cash And Cash Equivalents 13,297,000
Net Receivables 286,000
Inventory -13,583,000
Other Current Assets 11,149,000
Total Current Assets  (as reported)11,149,000
Total Current Assets  (calculated)11,149,000
+/-0
Long-term Assets
Property Plant Equipment 773,000
Goodwill 44,000
Long Term Investments 15,591,000
Intangible Assets 290,000
Long-term Assets Other 62,653,000
Long-term Assets  (as reported)68,632,000
Long-term Assets  (calculated)79,351,000
+/- 10,719,000

Liabilities & Shareholders' Equity

Total Current Liabilities40,147,000
Long-term Liabilities71,882,000
Total Stockholder Equity7,899,000
Total Current Liabilities
Short-term Debt 988,000
Accounts payable 380,000
Other Current Liabilities 38,779,000
Total Current Liabilities  (as reported)40,147,000
Total Current Liabilities  (calculated)40,147,000
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)71,882,000
Long-term Liabilities  (calculated)0
+/- 71,882,000
Total Stockholder Equity
Common Stock818,000
Retained Earnings 2,670,000
Accumulated Other Comprehensive Income 3,250,000
Other Stockholders Equity 1,161,000
Total Stockholder Equity (as reported)7,899,000
Total Stockholder Equity (calculated)7,899,000
+/-0
Other
Capital Stock818,000
Cash and Short Term Investments 13,297,000
Common Stock Shares Outstanding 3,660,053
Liabilities and Stockholders Equity 79,781,000
Net Debt -1,692,000
Net Invested Capital 12,655,000
Net Working Capital -28,998,000
Property Plant and Equipment Gross 1,542,000
Short Long Term Debt Total 11,605,000



Balance Sheet

Currency in EUR. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-31
> Total Assets 
0
0
0
84,269,000
85,919,000
86,867,000
86,490,000
87,188,000
80,536,000
81,921,000
81,628,000
76,822,000
73,587,000
72,017,000
71,338,000
67,653,000
64,526,000
67,386,000
80,060,000
77,586,000
75,995,000
74,773,000
74,264,000
75,518,000
77,513,000
74,544,000
73,755,000
73,553,000
72,938,000
72,652,000
68,200,000
66,393,000
65,657,000
64,015,000
60,800,000
60,029,000
58,512,000
56,789,000
57,255,000
57,984,000
58,834,000
62,395,000
64,026,000
64,761,000
65,843,000
66,965,000
67,454,000
67,728,000
68,573,000
70,866,000
73,374,000
77,852,000
77,221,000
80,180,000
83,438,000
81,460,000
81,877,000
81,521,000
80,475,000
79,781,000
79,781,00080,475,00081,521,00081,877,00081,460,00083,438,00080,180,00077,221,00077,852,00073,374,00070,866,00068,573,00067,728,00067,454,00066,965,00065,843,00064,761,00064,026,00062,395,00058,834,00057,984,00057,255,00056,789,00058,512,00060,029,00060,800,00064,015,00065,657,00066,393,00068,200,00072,652,00072,938,00073,553,00073,755,00074,544,00077,513,00075,518,00074,264,00074,773,00075,995,00077,586,00080,060,00067,386,00064,526,00067,653,00071,338,00072,017,00073,587,00076,822,00081,628,00081,921,00080,536,00087,188,00086,490,00086,867,00085,919,00084,269,000000
   > Total Current Assets 
0
0
0
19,454,000
2,609,000
3,133,000
3,537,000
4,784,000
3,317,000
3,668,000
2,974,000
5,587,000
1,889,000
2,421,000
1,865,000
3,740,000
1,814,000
2,049,000
2,354,000
3,206,000
2,022,000
2,761,000
2,710,000
2,782,000
6,860,000
6,392,000
5,808,000
3,394,000
5,091,000
5,609,000
5,211,000
2,986,000
4,846,000
4,411,000
4,232,000
2,838,000
4,641,000
4,751,000
4,870,000
3,147,000
5,424,000
7,075,000
7,765,000
5,828,000
7,919,000
8,612,000
10,126,000
8,012,000
10,818,000
13,068,000
14,791,000
14,729,000
15,526,000
16,260,000
17,882,000
16,818,000
16,263,000
14,970,000
13,752,000
11,149,000
11,149,00013,752,00014,970,00016,263,00016,818,00017,882,00016,260,00015,526,00014,729,00014,791,00013,068,00010,818,0008,012,00010,126,0008,612,0007,919,0005,828,0007,765,0007,075,0005,424,0003,147,0004,870,0004,751,0004,641,0002,838,0004,232,0004,411,0004,846,0002,986,0005,211,0005,609,0005,091,0003,394,0005,808,0006,392,0006,860,0002,782,0002,710,0002,761,0002,022,0003,206,0002,354,0002,049,0001,814,0003,740,0001,865,0002,421,0001,889,0005,587,0002,974,0003,668,0003,317,0004,784,0003,537,0003,133,0002,609,00019,454,000000
       Cash And Cash Equivalents 
0
0
0
4,042,000
2,609,000
3,133,000
3,537,000
4,596,000
3,317,000
3,668,000
2,974,000
5,317,000
1,889,000
2,421,000
1,865,000
3,410,000
1,814,000
2,049,000
2,354,000
2,956,000
1,361,000
2,098,000
2,045,000
2,782,000
6,191,000
5,720,000
5,134,000
2,717,000
4,410,000
4,922,000
4,522,000
2,291,000
4,148,000
3,711,000
3,529,000
2,134,000
3,935,000
4,044,000
4,163,000
2,440,000
4,716,000
6,367,000
7,057,000
5,121,000
7,212,000
7,905,000
9,418,000
7,304,000
10,110,000
12,360,000
14,083,000
14,023,000
14,820,000
15,554,000
17,176,000
16,323,000
15,768,000
14,474,000
13,256,000
13,297,000
13,297,00013,256,00014,474,00015,768,00016,323,00017,176,00015,554,00014,820,00014,023,00014,083,00012,360,00010,110,0007,304,0009,418,0007,905,0007,212,0005,121,0007,057,0006,367,0004,716,0002,440,0004,163,0004,044,0003,935,0002,134,0003,529,0003,711,0004,148,0002,291,0004,522,0004,922,0004,410,0002,717,0005,134,0005,720,0006,191,0002,782,0002,045,0002,098,0001,361,0002,956,0002,354,0002,049,0001,814,0003,410,0001,865,0002,421,0001,889,0005,317,0002,974,0003,668,0003,317,0004,596,0003,537,0003,133,0002,609,0004,042,000000
       Net Receivables 
0
0
0
15,412,000
0
0
0
188,000
0
0
0
270,000
0
0
0
330,000
0
0
0
250,000
661,000
663,000
665,000
0
669,000
672,000
674,000
677,000
681,000
687,000
689,000
695,000
698,000
700,000
703,000
704,000
706,000
707,000
707,000
707,000
708,000
708,000
708,000
707,000
707,000
707,000
708,000
708,000
708,000
708,000
708,000
706,000
706,000
706,000
706,000
495,000
495,000
496,000
496,000
286,000
286,000496,000496,000495,000495,000706,000706,000706,000706,000708,000708,000708,000708,000708,000707,000707,000707,000708,000708,000708,000707,000707,000707,000706,000704,000703,000700,000698,000695,000689,000687,000681,000677,000674,000672,000669,0000665,000663,000661,000250,000000330,000000270,000000188,00000015,412,000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,591,000
1,631,000
2,990,174
4,127,655
4,337,697
4,486,407
1,865,689
1,860,384
1,904,106
7,510,911
14,256,606
5,317,050
1,722,000
1,696,000
4,090,000
1,687,000
1,730,000
1,772,000
1,860,000
3,516,000
14,270,000
2,097,000
17,767,000
19,811,000
19,651,000
19,400,000
18,289,000
17,425,000
11,149,000
11,149,00017,425,00018,289,00019,400,00019,651,00019,811,00017,767,0002,097,00014,270,0003,516,0001,860,0001,772,0001,730,0001,687,0004,090,0001,696,0001,722,0005,317,05014,256,6067,510,9111,904,1061,860,3841,865,6894,486,4074,337,6974,127,6552,990,1741,631,0001,591,0000000000000000000000000000000000
   > Long-term Assets 
0
0
0
34,753,000
18,565,000
19,938,000
20,857,000
20,626,000
19,598,000
19,741,000
20,587,000
15,481,000
14,168,000
13,599,000
14,701,000
13,171,000
12,136,000
16,792,000
21,776,000
21,391,000
21,215,000
20,037,000
20,030,000
21,201,000
21,247,000
20,197,000
20,680,000
19,078,000
18,862,000
18,137,000
16,695,000
15,398,000
15,104,000
13,523,000
11,226,000
10,230,000
9,487,000
9,429,000
9,992,000
10,335,000
10,702,000
10,984,000
13,022,000
12,742,000
13,637,000
15,007,000
16,354,000
15,817,400
16,376,400
16,422,400
16,970,400
19,851,900
15,084,900
21,025,900
16,845,900
15,518,000
20,732,900
21,040,900
21,068,900
68,632,000
68,632,00021,068,90021,040,90020,732,90015,518,00016,845,90021,025,90015,084,90019,851,90016,970,40016,422,40016,376,40015,817,40016,354,00015,007,00013,637,00012,742,00013,022,00010,984,00010,702,00010,335,0009,992,0009,429,0009,487,00010,230,00011,226,00013,523,00015,104,00015,398,00016,695,00018,137,00018,862,00019,078,00020,680,00020,197,00021,247,00021,201,00020,030,00020,037,00021,215,00021,391,00021,776,00016,792,00012,136,00013,171,00014,701,00013,599,00014,168,00015,481,00020,587,00019,741,00019,598,00020,626,00020,857,00019,938,00018,565,00034,753,000000
       Property Plant Equipment 
0
0
0
1,252,000
1,238,000
1,223,000
1,227,000
1,237,000
1,243,000
1,239,000
1,277,000
1,304,000
1,272,000
1,301,000
1,312,000
690,000
1,382,000
1,393,000
798,000
770,000
747,000
743,000
733,000
702,000
695,000
691,000
690,000
666,000
660,000
657,000
645,000
638,000
650,000
400,000
392,000
390,000
387,000
339,000
342,000
353,000
708,000
787,000
780,000
746,000
749,000
740,000
745,000
778,000
784,000
803,000
809,000
815,000
804,000
816,000
816,000
775,000
741,000
781,000
778,000
773,000
773,000778,000781,000741,000775,000816,000816,000804,000815,000809,000803,000784,000778,000745,000740,000749,000746,000780,000787,000708,000353,000342,000339,000387,000390,000392,000400,000650,000638,000645,000657,000660,000666,000690,000691,000695,000702,000733,000743,000747,000770,000798,0001,393,0001,382,000690,0001,312,0001,301,0001,272,0001,304,0001,277,0001,239,0001,243,0001,237,0001,227,0001,223,0001,238,0001,252,000000
       Goodwill 
0
0
0
533,000
0
0
0
533,000
0
0
0
299,000
0
0
0
257,000
0
0
0
115,000
0
0
0
22,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
160,000
0
0
0
1,300
0
0
0
1,600
0
0
0
1,600
0
0
0
44,000
44,0000001,6000001,6000001,300000160,000000000000000000000022,000000115,000000257,000000299,000000533,000000533,000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
12,564,000
12,505,000
12,824,497
10,430,600
9,320,283
8,794,440
8,198,324
8,926,835
9,044,506
9,808,000
9,778,000
10,747,000
10,558,000
11,456,000
12,779,000
11,714,000
11,280,000
11,828,000
11,851,000
12,389,000
16,320,900
13,998,900
14,941,000
15,736,900
14,446,000
19,707,900
19,930,900
19,952,900
15,591,000
15,591,00019,952,90019,930,90019,707,90014,446,00015,736,90014,941,00013,998,90016,320,90012,389,00011,851,00011,828,00011,280,00011,714,00012,779,00011,456,00010,558,00010,747,0009,778,0009,808,0009,044,5068,926,8358,198,3248,794,4409,320,28310,430,60012,824,49712,505,00012,564,0000000000000000000000000000000000
       Intangible Assets 
0
0
0
177,000
716,000
715,000
724,000
201,000
693,000
695,000
695,000
166,000
453,000
0
0
149,000
0
0
0
151,000
0
0
0
128,000
0
0
0
127,000
0
0
0
145,000
150,000
178,245
163,088
152,000
194,366
195,531
195,647
183,000
824,206
2,018,080
1,301,697
218,000
0
0
0
252,700
0
0
0
267,400
0
284,000
293,000
295,400
284,000
329,000
338,000
290,000
290,000338,000329,000284,000295,400293,000284,0000267,400000252,700000218,0001,301,6972,018,080824,206183,000195,647195,531194,366152,000163,088178,245150,000145,000000127,000000128,000000151,000000149,00000453,000166,000695,000695,000693,000201,000724,000715,000716,000177,000000
       Other Assets 
0
0
0
30,062,000
64,745,000
63,796,000
62,096,000
61,778,000
57,621,000
58,512,000
58,067,000
55,754,000
57,530,000
55,997,000
54,772,000
50,742,000
50,576,000
48,545,000
55,930,000
52,989,000
52,758,000
51,975,000
51,524,000
51,535,000
49,406,000
47,955,000
47,267,000
51,081,000
48,985,000
48,906,000
46,294,000
48,009,000
45,707,000
46,081,000
45,342,000
46,961,000
44,384,000
42,609,000
42,393,000
44,502,000
42,708,000
44,336,000
43,239,000
46,191,000
44,287,000
43,346,000
40,974,000
43,898,600
41,378,600
41,375,600
41,612,600
43,271,100
46,610,100
42,894,100
48,710,100
49,124,000
44,881,100
45,510,100
45,654,100
0
045,654,10045,510,10044,881,10049,124,00048,710,10042,894,10046,610,10043,271,10041,612,60041,375,60041,378,60043,898,60040,974,00043,346,00044,287,00046,191,00043,239,00044,336,00042,708,00044,502,00042,393,00042,609,00044,384,00046,961,00045,342,00046,081,00045,707,00048,009,00046,294,00048,906,00048,985,00051,081,00047,267,00047,955,00049,406,00051,535,00051,524,00051,975,00052,758,00052,989,00055,930,00048,545,00050,576,00050,742,00054,772,00055,997,00057,530,00055,754,00058,067,00058,512,00057,621,00061,778,00062,096,00063,796,00064,745,00030,062,000000
> Total Liabilities 
0
0
0
77,955,000
79,731,000
80,854,000
80,408,000
81,094,000
74,387,000
76,426,000
76,268,000
75,947,000
73,105,000
72,234,000
71,742,000
68,308,000
64,763,000
62,263,000
74,605,000
73,063,000
71,452,000
67,619,000
67,313,000
69,214,000
71,341,000
69,872,000
68,393,000
66,421,000
65,829,000
65,451,000
60,964,000
59,038,000
58,250,000
56,457,000
53,907,000
52,879,000
53,466,000
51,727,000
52,196,000
52,953,000
53,755,000
55,996,000
57,452,000
58,094,000
59,241,000
61,521,000
62,106,000
62,483,000
63,252,000
65,413,000
67,904,000
72,217,000
71,464,000
73,867,000
77,012,000
3,552,000
5,889,000
5,523,000
6,565,000
71,882,000
71,882,0006,565,0005,523,0005,889,0003,552,00077,012,00073,867,00071,464,00072,217,00067,904,00065,413,00063,252,00062,483,00062,106,00061,521,00059,241,00058,094,00057,452,00055,996,00053,755,00052,953,00052,196,00051,727,00053,466,00052,879,00053,907,00056,457,00058,250,00059,038,00060,964,00065,451,00065,829,00066,421,00068,393,00069,872,00071,341,00069,214,00067,313,00067,619,00071,452,00073,063,00074,605,00062,263,00064,763,00068,308,00071,742,00072,234,00073,105,00075,947,00076,268,00076,426,00074,387,00081,094,00080,408,00080,854,00079,731,00077,955,000000
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
36,516,000
35,975,000
41,552,788
43,659,510
45,377,687
47,860,745
44,564,711
45,588,099
47,158,752
185,495,131
213,068,824
140,123,879
47,684,000
48,525,000
48,492,000
49,270,000
50,353,000
50,799,000
52,223,000
53,840,000
55,846,000
55,096,000
45,295,000
46,880,000
45,847,000
43,582,000
42,269,000
41,843,000
40,147,000
40,147,00041,843,00042,269,00043,582,00045,847,00046,880,00045,295,00055,096,00055,846,00053,840,00052,223,00050,799,00050,353,00049,270,00048,492,00048,525,00047,684,000140,123,879213,068,824185,495,13147,158,75245,588,09944,564,71147,860,74545,377,68743,659,51041,552,78835,975,00036,516,0000000000000000000000000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
24,256,000
23,852,000
24,565,814
21,173,296
19,601,297
123,325,201
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
200,000
201,000
423,000
202,000
0
0
988,000
988,00000202,000423,000201,000200,0000000000000000000123,325,20119,601,29721,173,29624,565,81423,852,00024,256,0000000000000000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
24,256,000
23,852,000
24,565,814
21,173,296
19,601,297
123,325,201
2,732,021,141,992
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000000000002,732,021,141,992123,325,20119,601,29721,173,29624,565,81423,852,00024,256,0000000000000000000000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
34,004,000
33,665,000
39,021,938
38,927,608
40,727,753
43,419,855
42,353,352
43,490,391
44,712,090
174,239,843
198,855,566
129,339,700
44,707,000
45,264,000
45,040,000
46,094,000
47,167,000
48,206,000
49,642,000
51,044,000
53,049,000
52,442,000
408,000
394,000
444,000
396,000
436,000
367,000
380,000
380,000367,000436,000396,000444,000394,000408,00052,442,00053,049,00051,044,00049,642,00048,206,00047,167,00046,094,00045,040,00045,264,00044,707,000129,339,700198,855,566174,239,84344,712,09043,490,39142,353,35243,419,85540,727,75338,927,60839,021,93833,665,00034,004,0000000000000000000000000000000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
18,000
21,000
100,548
2,353,631
2,360,994
2,261,041
17,458
13,892
45,882
217,130
72,246
30,628
15,000
24,000
41,000
10,000
10,000
16,000
79,000
202,000
167,000
636,000
44,687,000
46,285,000
44,980,000
42,984,000
41,833,000
41,476,000
38,779,000
38,779,00041,476,00041,833,00042,984,00044,980,00046,285,00044,687,000636,000167,000202,00079,00016,00010,00010,00041,00024,00015,00030,62872,246217,13045,88213,89217,4582,261,0412,360,9942,353,631100,54821,00018,0000000000000000000000000000000000
   > Long-term Liabilities 
0
0
0
77,955,000
0
0
0
81,094,000
0
0
0
75,947,000
73,105,000
72,234,000
71,742,000
68,308,000
64,763,000
62,263,000
74,605,000
73,063,000
71,452,000
67,619,000
67,313,000
69,214,000
71,341,000
69,872,000
68,393,000
66,421,000
65,829,000
65,451,000
60,964,000
59,038,000
58,250,000
56,457,000
53,907,000
52,879,000
53,466,000
51,727,000
52,196,000
52,953,000
53,755,000
55,996,000
57,452,000
58,094,000
59,241,000
61,521,000
62,106,000
62,483,000
63,252,000
65,413,000
67,904,000
72,217,000
71,464,000
73,867,000
77,012,000
3,552,000
5,889,000
5,523,000
6,565,000
71,882,000
71,882,0006,565,0005,523,0005,889,0003,552,00077,012,00073,867,00071,464,00072,217,00067,904,00065,413,00063,252,00062,483,00062,106,00061,521,00059,241,00058,094,00057,452,00055,996,00053,755,00052,953,00052,196,00051,727,00053,466,00052,879,00053,907,00056,457,00058,250,00059,038,00060,964,00065,451,00065,829,00066,421,00068,393,00069,872,00071,341,00069,214,00067,313,00067,619,00071,452,00073,063,00074,605,00062,263,00064,763,00068,308,00071,742,00072,234,00073,105,00075,947,00000081,094,00000077,955,000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
760,000
712,000
819,241
794,321
813,018
975,520
853,119
899,514
922,230
811,000
1,025,000
1,019,000
991,000
923,000
926,000
1,015,000
966,000
1,031,000
1,009,000
1,103,000
1,052,000
1,077,000
1,058,000
1,825,000
1,702,000
0
1,424,000
0
0
001,424,00001,702,0001,825,0001,058,0001,077,0001,052,0001,103,0001,009,0001,031,000966,0001,015,000926,000923,000991,0001,019,0001,025,000811,000922,230899,514853,119975,520813,018794,321819,241712,000760,0000000000000000000000000000000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
196,000
104,000
112,000
132,000
112,000
0
0
0
0
0
00000112,000132,000112,000104,000196,00000000000000000000000000000000000000000000000000000
> Total Stockholder Equity
0
0
0
6,039,000
5,918,000
5,743,000
5,806,000
5,772,000
5,871,000
5,224,000
5,086,000
597,000
212,000
-490,000
-680,000
-932,000
-518,000
4,840,000
5,168,000
4,242,000
3,991,000
6,499,000
6,289,000
5,636,000
5,523,000
4,018,000
4,700,000
6,463,000
6,459,000
6,552,000
6,572,000
6,715,000
6,776,000
6,921,000
6,890,000
7,147,000
5,044,000
5,062,000
5,059,000
5,031,000
5,079,000
6,399,000
6,574,000
6,667,000
6,602,000
5,444,000
5,348,000
5,245,000
5,321,000
5,453,000
5,470,000
5,539,000
5,662,000
6,218,000
6,332,000
6,623,000
6,902,000
7,368,000
7,559,000
7,899,000
7,899,0007,559,0007,368,0006,902,0006,623,0006,332,0006,218,0005,662,0005,539,0005,470,0005,453,0005,321,0005,245,0005,348,0005,444,0006,602,0006,667,0006,574,0006,399,0005,079,0005,031,0005,059,0005,062,0005,044,0007,147,0006,890,0006,921,0006,776,0006,715,0006,572,0006,552,0006,459,0006,463,0004,700,0004,018,0005,523,0005,636,0006,289,0006,499,0003,991,0004,242,0005,168,0004,840,000-518,000-932,000-680,000-490,000212,000597,0005,086,0005,224,0005,871,0005,772,0005,806,0005,743,0005,918,0006,039,000000
   Common Stock
0
0
0
1,480,000
1,480,000
1,480,000
1,480,000
1,478,000
1,479,000
1,551,000
1,224,000
1,226,000
1,226,000
1,226,000
1,226,000
1,222,000
1,228,000
1,153,000
1,641,000
1,641,000
1,641,000
4,412,000
4,412,000
4,412,000
4,408,000
4,411,000
4,411,000
656,000
656,000
656,000
656,000
655,000
655,000
655,000
655,000
655,000
655,000
655,000
655,000
656,000
656,000
853,000
853,000
853,000
853,000
853,000
816,000
816,000
816,000
816,000
816,000
816,000
816,000
816,000
816,000
816,000
816,000
816,000
818,000
818,000
818,000818,000816,000816,000816,000816,000816,000816,000816,000816,000816,000816,000816,000816,000853,000853,000853,000853,000853,000656,000656,000655,000655,000655,000655,000655,000655,000655,000655,000656,000656,000656,000656,0004,411,0004,411,0004,408,0004,412,0004,412,0004,412,0001,641,0001,641,0001,641,0001,153,0001,228,0001,222,0001,226,0001,226,0001,226,0001,226,0001,224,0001,551,0001,479,0001,478,0001,480,0001,480,0001,480,0001,480,000000
   Retained Earnings Total Equity000000000000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-2,653,000
-2,540,000
3,135,000
4,925,000
5,391,000
5,580,000
3,250,000
3,250,0005,580,0005,391,0004,925,0003,135,000-2,540,000-2,653,00000000000000000000000000000000000000000000000000000000
   Capital Surplus 000000000000000000000000000000000000000000000000000000000000
   Treasury Stock000000000000000000000000000000000000000000000000000000000000
   Other Stockholders Equity 
0
0
0
3,609,000
2,687,000
2,517,000
2,583,000
3,344,000
2,667,000
1,965,000
2,158,000
-1,579,000
-2,384,000
-3,037,000
-3,224,000
-3,104,000
-2,696,000
2,737,000
2,577,000
1,651,000
1,400,000
1,137,000
927,000
274,000
165,000
-1,343,000
-661,000
4,857,000
4,853,000
4,946,000
4,966,000
5,110,000
5,171,000
5,316,000
5,285,000
5,542,000
4,389,000
4,407,000
4,404,000
4,375,000
4,423,000
5,546,000
5,721,000
5,814,000
5,749,000
4,591,000
4,532,000
4,429,000
4,505,000
4,637,000
4,654,000
4,723,000
4,846,000
8,055,000
8,056,000
1,161,000
-3,764,000
-4,230,000
-4,419,000
1,161,000
1,161,000-4,419,000-4,230,000-3,764,0001,161,0008,056,0008,055,0004,846,0004,723,0004,654,0004,637,0004,505,0004,429,0004,532,0004,591,0005,749,0005,814,0005,721,0005,546,0004,423,0004,375,0004,404,0004,407,0004,389,0005,542,0005,285,0005,316,0005,171,0005,110,0004,966,0004,946,0004,853,0004,857,000-661,000-1,343,000165,000274,000927,0001,137,0001,400,0001,651,0002,577,0002,737,000-2,696,000-3,104,000-3,224,000-3,037,000-2,384,000-1,579,0002,158,0001,965,0002,667,0003,344,0002,583,0002,517,0002,687,0003,609,000000



Balance Sheet

Currency in EUR. All numbers in thousands.