AB Siauliu Bankas (ZH5) - Net Assets
Based on the latest financial reports, AB Siauliu Bankas (ZH5) has net assets worth €586.72 Million EUR (≈ $685.93 Million USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€6.09 Billion ≈ $7.12 Billion USD) and total liabilities (€5.50 Billion ≈ $6.44 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check how tangible is AB Siauliu Bankas's equity to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €586.72 Million |
| % of Total Assets | 9.63% |
| Annual Growth Rate | 11.18% |
| 5-Year Change | 49.34% |
| 10-Year Change | N/A |
| Growth Volatility | 6.59 |
AB Siauliu Bankas - Net Assets Trend (2020–2025)
This chart illustrates how AB Siauliu Bankas's net assets have evolved over time, based on quarterly financial data. Explore AB Siauliu Bankas (ZH5) cash flow conversion to assess how effectively this company generates cash.
Annual Net Assets for AB Siauliu Bankas (2020–2025)
The table below shows the annual net assets of AB Siauliu Bankas from 2020 to 2025. For live valuation and market cap data, see AB Siauliu Bankas stock valuation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €603.06 Million ≈ $705.04 Million |
+3.06% |
| 2024-12-31 | €585.17 Million ≈ $684.13 Million |
+7.74% |
| 2023-12-31 | €543.13 Million ≈ $634.97 Million |
+22.63% |
| 2022-12-31 | €442.91 Million ≈ $517.80 Million |
+9.68% |
| 2021-12-31 | €403.82 Million ≈ $472.11 Million |
+13.73% |
| 2020-12-31 | €355.07 Million ≈ $415.11 Million |
-- |
Equity Component Analysis
This analysis shows how different components contribute to AB Siauliu Bankas's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 97.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €295.00 Million | 48.92% |
| Other Components | €308.05 Million | 51.08% |
| Total Equity | €603.06 Million | 100.00% |
AB Siauliu Bankas Competitors by Market Cap
The table below lists competitors of AB Siauliu Bankas ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
HIMALAYA SHIPPING LTD DL1
F:J1X
|
$605.91 Million |
|
SENCO GOLD LTD
NSE:SENCO
|
$606.06 Million |
|
BizConf Telecom Co Ltd
SHE:300578
|
$606.37 Million |
|
Wilh Wilhelmsen Holding ASA B
OL:WWIB
|
$606.40 Million |
|
NorthIsle Copper and Gold Inc
V:NCX
|
$605.82 Million |
|
Amata Corporation Public Company Limited
BK:AMATA-R
|
$605.77 Million |
|
Shanghai Rongtai Health Tech
SHG:603579
|
$605.76 Million |
|
Sturm Ruger & Company Inc
NYSE:RGR
|
$605.75 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in AB Siauliu Bankas's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 585,172,000 to 603,057,000, a change of 17,885,000 (3.1%).
- Net income of 60,686,000 contributed positively to equity growth.
- Dividend payments of 39,719,000 reduced retained earnings.
- Share repurchases of 6,840,000 reduced equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €60.69 Million | +10.06% |
| Dividends Paid | €39.72 Million | -6.59% |
| Share Repurchases | €6.84 Million | -1.13% |
| Other Changes | €3.76 Million | +0.62% |
| Total Change | €- | 3.06% |
Book Value vs Market Value Analysis
This analysis compares AB Siauliu Bankas's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.91x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.44x to 0.91x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2020-12-31 | €0.59 | €0.85 | x |
| 2021-12-31 | €0.67 | €0.85 | x |
| 2022-12-31 | €0.74 | €0.85 | x |
| 2023-12-31 | €0.82 | €0.85 | x |
| 2024-12-31 | €0.90 | €0.85 | x |
| 2025-12-31 | €0.93 | €0.85 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently AB Siauliu Bankas utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.06%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 31.86%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 10.07x
- Recent ROE (10.06%) is below the historical average (13.07%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2020 | 12.12% | 38.13% | 0.04x | 8.53x | €7.54 Million |
| 2021 | 13.68% | 44.66% | 0.03x | 9.81x | €14.84 Million |
| 2022 | 15.23% | 47.82% | 0.03x | 9.44x | €23.16 Million |
| 2023 | 13.88% | 41.75% | 0.04x | 8.85x | €21.06 Million |
| 2024 | 13.46% | 38.77% | 0.04x | 8.41x | €20.27 Million |
| 2025 | 10.06% | 31.86% | 0.03x | 10.07x | €380.30K |
Industry Comparison
This section compares AB Siauliu Bankas's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,067,079,478,900
- Average return on equity (ROE) among peers: 8.59%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| AB Siauliu Bankas (ZH5) | €586.72 Million | 12.12% | 9.38x | $605.89 Million |
| Grupo Supervielle S.A (189A) | $92.35 Billion | -5.45% | 6.55x | $590.94 Million |
| WOORI FIN. GRP SP.ADR/3 (2WGA) | $28.81 Trillion | 8.83% | 14.52x | $11.06 Billion |
| Bank of Zhengzhou Co. Ltd (3BZ) | $33.44 Billion | 12.80% | 12.03x | $226.76 Million |
| Manx Financial Group PLC (3IM) | $37.31 Million | 21.71% | 12.34x | $33.35 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $1.16 Trillion | 7.52% | 15.07x | $12.50 Billion |
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | $795.55 Billion | 9.57% | 14.82x | $13.93 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $39.20 Billion | 18.55% | 6.61x | $2.34 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $26.12 Billion | 7.27% | 10.72x | $1.28 Billion |
| Harbin Bank Co. Ltd (5H6) | $64.78 Billion | 1.77% | 14.73x | $116.65 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $9.65 Trillion | 3.37% | 22.79x | $53.42 Billion |
About AB Siauliu Bankas
AB Artea bankas, together with its subsidiaries, provides commercial banking products and services to private and corporate customers in Lithuania. It operates through Corporate; Private; and Investment segments. The company offers various deposits; debit and credit cards; consumer, secured, mortgage, multi-apartment house renovation, and short- and long-term loans, as well as credits for farmers… Read more