Patria Bank SA (PBK) - Net Assets
Based on the latest financial reports, Patria Bank SA (PBK) has net assets worth RON483.99 Million RON (≈ $111.13 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (RON5.44 Billion ≈ $1.25 Billion USD) and total liabilities (RON4.96 Billion ≈ $1.14 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. Read PBK total liabilities for a breakdown of total debt and financial obligations.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | RON483.99 Million |
| % of Total Assets | 8.89% |
| Annual Growth Rate | 7.99% |
| 5-Year Change | 49.93% |
| 10-Year Change | N/A |
| Growth Volatility | 7.2 |
Patria Bank SA - Net Assets Trend (2020–2025)
This chart illustrates how Patria Bank SA's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of Patria Bank SA for the complete picture of this company's asset base.
Annual Net Assets for Patria Bank SA (2020–2025)
The table below shows the annual net assets of Patria Bank SA from 2020 to 2025. For live valuation and market cap data, see PBK stock market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-09-30 | RON483.99 Million ≈ $111.13 Million |
+14.64% |
| 2024-09-30 | RON422.16 Million ≈ $96.94 Million |
+9.20% |
| 2023-09-30 | RON386.59 Million ≈ $88.77 Million |
+17.00% |
| 2022-09-30 | RON330.43 Million ≈ $75.87 Million |
+2.36% |
| 2021-09-30 | RON322.80 Million ≈ $74.12 Million |
-2.07% |
| 2020-09-30 | RON329.63 Million ≈ $75.69 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Patria Bank SA'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 17642400000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (September 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | RON161.17 Million | 33.30% |
| Other Components | RON322.81 Million | 66.70% |
| Total Equity | RON483.99 Million | 100.00% |
Patria Bank SA Competitors by Market Cap
The table below lists competitors of Patria Bank SA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Synergy Green Industries Limited
NSE:SGIL
|
$92.58 Million |
|
Shanghai Bailian Group Co Ltd B
SHG:900923
|
$92.73 Million |
|
Fonar Corporation
NASDAQ:FONR
|
$92.74 Million |
|
Asflow Co. Ltd.
KQ:159010
|
$92.76 Million |
|
ATM Grupa S.A.
WAR:ATG
|
$92.57 Million |
|
KMH Co. Ltd
KQ:122450
|
$92.56 Million |
|
Tsang Yow Industrial Co Ltd
TW:1568
|
$92.56 Million |
|
NoiBai Cargo Terminal Services JSC
VN:NCT
|
$92.55 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Patria Bank SA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 422,163,000 to 483,986,000, a change of 61,823,000 (14.6%).
- Net income of 51,396,000 contributed positively to equity growth.
- Other factors increased equity by 10,427,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | RON51.40 Million | +10.62% |
| Other Changes | RON10.43 Million | +2.15% |
| Total Change | RON- | 14.64% |
Book Value vs Market Value Analysis
This analysis compares Patria Bank SA'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: 0.83x
- 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 1.18x to 0.83x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2020-09-30 | RON0.11 | RON0.12 | x |
| 2021-09-30 | RON0.10 | RON0.12 | x |
| 2022-09-30 | RON0.10 | RON0.12 | x |
| 2023-09-30 | RON0.12 | RON0.12 | x |
| 2024-09-30 | RON0.13 | RON0.12 | x |
| 2025-09-30 | RON0.15 | RON0.12 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Patria Bank SA 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): 10.62%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.53%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 11.25x
- Recent ROE (10.62%) is above the historical average (6.00%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2020 | 0.88% | 1.74% | 0.05x | 10.66x | RON-30.07 Million |
| 2021 | 3.06% | 5.59% | 0.04x | 12.18x | RON-22.39 Million |
| 2022 | 5.82% | 9.21% | 0.05x | 12.96x | RON-13.81 Million |
| 2023 | 6.59% | 11.74% | 0.05x | 10.80x | RON-13.17 Million |
| 2024 | 9.04% | 15.84% | 0.05x | 10.94x | RON-4.05 Million |
| 2025 | 10.62% | 18.53% | 0.05x | 11.25x | RON3.00 Million |
Industry Comparison
This section compares Patria Bank SA's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $8,890,436,000
- Average return on equity (ROE) among peers: 22.73%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Patria Bank SA (PBK) | RON483.99 Million | 0.88% | 10.25x | $92.58 Million |
| BRD Groupe Societe Generale SA (BRD) | $8.86 Billion | 18.50% | 8.46x | $4.64 Billion |
| Banca Transilvania S.A. (TLV) | $8.92 Billion | 26.96% | 14.75x | $9.07 Billion |
About Patria Bank SA
Patria Bank SA, a credit institution, provides banking and other financial services to individual, small and medium enterprises, agribusinesses, and corporate customers in Romania. The company offers saving, demand, term, collateral, current, and sight deposits; working capital and VAT financing credit line, investment loans, company development, SME loans, umbrella, general expense, bridge loans… Read more