Patria Bank SA
I · AI Analysis
The brief
Patria Bank provides commercial banking services across Romania, offering working capital loans, investment financing, mortgages, and deposit accounts to retail customers, small and medium enterprises, and agricultural businesses. The bank operates through retail, SME/corporate, agro, and micro-enterprise segments, generating revenue primarily from lending and fee-based services.
Patria Bank SA is a Romanian regional bank serving individuals, SMEs, agribusinesses, and corporate clients with lending, deposit, and payment services [Patria Bank website]. The bank reported 27.3 million lei in net profit for the first half of 2026, marking its third consecutive year of first-half profit growth [Ziarul Bursa, economica.net]. Recent performance shows both accelerating lending activity and improving profitability in Q2 2026 [forbes.ro].
The bank generated 275.8 million lei in revenue during the twelve months through June 30, 2026, with strong profit margins and positive free cash flow.
Sentinellis health
Not enough data to score
Profitability
Returns on capital
Growth & momentum
Balance sheet
Cash generation
Value creation
Sentinellis calculation from the published statements — not a score reported by any data source. Each category is scored on the checks that had data; missing inputs are excluded rather than counted as failures.
Capital & liquidity
As PATRIA BANK S.A. disclosed it · December 31, 2025
- CET1 ratio
- its own requirement 8.91%16.79%
- Tier 1 ratio
- 16.79%
- Total capital ratio
- 22.00%
Source: EBA Pillar 3 Data Hub
Market capitalisation
RON 495.5M
Revenue (TTM)
RON 275.8M
Explainers
How we read these numbers
Plain-English guides · no account needed
ROIC vs WACC Explained: How to Tell If a Company Actually Creates Value
What ROIC and WACC are, how to compute both, and why the spread between them is the single most important number in fundamental investing.
ReadPiotroski F-Score Explained: A 9-Point Financial Health Check (with a Live Apple Example)
What the Piotroski F-Score is, how to calculate all 9 criteria, and how to read the result. Plain English, with a real Apple walkthrough.
ReadAltman Z-Score Explained: Predicting Bankruptcy in 5 Minutes (with Real Examples)
What the Altman Z-Score is, the exact formula, how to read the result, and which version to use for manufacturers vs tech vs private companies.
ReadII · Recent news
What moved
6 stories · ranked by relevance
- Company2026-08-31
Patria Bank își crește profitul cu 6% în primul semestru; creditarea a accelerat în trimestrul al doilea - forbes.ro
forbes.ro
- Company2026-08-31
Patria Bank încheie primul semestru al anului cu un venit net bancar de 134,9 milioane de lei, în creştere - Ziarul Financiar
Ziarul Financiar
- Company2026-09-08
Patria Bank : Update of investor presentation - H1 2026 Financial results (PBK 20260908185913 PBK Investors Presentation H1 2026 EN) - marketscreener.com
marketscreener.com
- Company2026-09-02
Patria Bank accelerează creditarea și crește profitabilitatea în T2 2026 - Piata Financiara
Piata Financiara
- Company2026-08-31
Patria Bank raportează pentru al treilea an consecutiv creșterea profitului net în primul semestru - Economica.net
economica.net
- Company2026-08-31
Patria Bank a încheiat primul semestru din 2026 cu un profit net de 27,3 milioane de lei - Ziarul Bursa
Ziarul Bursa
Premium · Free with any account
The bank operates exclusively in Romania, creating geographic concentration risk tied to a single emerging market economy [Patria Bank website].
Risks
4
Opportunities
4
Red flags
3
Leadership
3
10 more findings in the full report — free with any account.
Unlock the full Patria Bank SA analysis
Create a free account to access the complete AI-generated report with inline citations.
- 4 risks, 4 opportunities and 3 red flags — each with its source
- 100+ financial metrics with charts and benchmarks
- Full news summaries with source links
- Executive team and compensation details
III · Related
You might also read
Same sector · Financial Services — or comparable health
Want this for your watchlist?