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Patria Bank SA (PBK) Fair Value & Analysis

Financial Services · RO · Market cap 440M RON

Price0.1345 RON
Fair Value0.2690 RON
Upside+100.0%
Quality95/100
Evidence: High Range 0.2020 RON – 0.3360 RON

Fair value as of: Jun 26, 2026

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Analysis

Patria Bank SA (PBK) currently trades at 0.1345 RON, while our model-based Fair Value estimate is 0.2690 RON — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 operates through: Retail, SME and Corporate; Agro; and Micro-enterprises segment. 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, medium term financing, bank guarantees, factoring, and letters of credit; and personal loans, home mortgage loans, refinancing investment loans, real estate mortgages, and overdrafts, as well as debit and credit cards. It offers deposit and current accounts, domestic and international payments, foreign exchange transactions, working capital loans, medium term lending, bank guarantees, and letters of credit. The company was formerly known as Nextebank SA and changed its name to Patria Bank SA in 20…

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Frequently asked questions

Is Patria Bank SA (PBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 0.2690 RON versus a price of 0.1345 RON — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of PBK?
Our 21-model fair value for Patria Bank SA is 0.2690 RON (as of Jun 26, 2026), built from audited fundamentals. The current price is 0.1345 RON.
What is the quality score of PBK?
Patria Bank SA has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.