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Public Company Bank Pivdennyi

UKR:BPVD
Snowflake Description

Adequate balance sheet with proven track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BPVD
UKR
UAH1B
Market Cap
  1. Home
  2. UA
  3. Banks
Company description

Public Company Joint-stock Bank Pivdennyi provides commercial and retail banking products and services in Ukraine and Latvia. The last earnings update was 223 days ago. More info.


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BPVD Share Price and Events
7 Day Returns
0.6%
UKR:BPVD
-2.2%
Europe Banks
1.2%
UA Market
1 Year Returns
0%
UKR:BPVD
-38.7%
Europe Banks
-6.7%
UA Market
BPVD Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Public Company Bank Pivdennyi (BPVD) 0.6% 0.6% - 0% 4.6% 6%
Europe Banks -2.2% -23.8% -38.6% -38.7% -44.1% -54.9%
UA Market 1.2% -3.4% -0.4% -6.7% 18.3% 10.3%
1 Year Return vs Industry and Market
  • BPVD outperformed the Banks industry which returned -38.7% over the past year.
  • BPVD outperformed the Market in Ukraine which returned -6.7% over the past year.
Price Volatility
BPVD
Industry
5yr Volatility vs Market

Value

 Is Public Company Bank Pivdennyi undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Public Company Bank Pivdennyi to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Public Company Bank Pivdennyi.

UKR:BPVD Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= UAH3.40 * 4.6%
UAH0.16
Book Value of Equity per Share Median Book Value from the past 5 years. UAH3.40
Discount Rate (Cost of Equity) See below 26.9%
Perpetual Growth Rate 10-Year UA Government Bond Rate 0.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for UKR:BPVD
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year UA Govt Bond Rate 0.7%
Equity Risk Premium S&P Global 16.9%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.51
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.51 (1 + (1- 18%) (316.26%))
1.559
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.56
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.65% + (1.559 * 16.85%)
26.92%

Discounted Cash Flow Calculation for UKR:BPVD using Excess Returns Model Model

The calculations below outline how an intrinsic value for Public Company Bank Pivdennyi is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

UKR:BPVD Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (4.6% – 26.92%) * UAH3.40)
UAH-0.76
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= UAH-0.76 / (26.92% - 0.65%)
UAH-2.89
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= UAH3.40 + UAH-2.89
UAH0.51
UKR:BPVD Discount to Share Price
Calculation Result
Value per share (UAH) From above. UAH0.51
Current discount Discount to share price of UAH1.59
= -1 x (UAH1.59 - UAH0.51) / UAH0.51
-210.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Public Company Bank Pivdennyi is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Public Company Bank Pivdennyi's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Public Company Bank Pivdennyi's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
UKR:BPVD PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in UAH UAH0.43
UKR:BPVD Share Price ** UKR (2020-04-02) in UAH UAH1.59
Europe Banks Industry PE Ratio Median Figure of 201 Publicly-Listed Banks Companies 6.76x
Ukraine Market PE Ratio Median Figure of 8 Publicly-Listed Companies 3.77x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Public Company Bank Pivdennyi.

UKR:BPVD PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= UKR:BPVD Share Price ÷ EPS (both in UAH)

= 1.59 ÷ 0.43

3.66x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Public Company Bank Pivdennyi is good value based on earnings compared to the Europe Banks industry average.
  • Public Company Bank Pivdennyi is good value based on earnings compared to the Ukraine market.
Price based on expected Growth
Does Public Company Bank Pivdennyi's expected growth come at a high price?
Raw Data
UKR:BPVD PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 3.66x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
Europe Banks Industry PEG Ratio Median Figure of 122 Publicly-Listed Banks Companies 0.42x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Public Company Bank Pivdennyi, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Public Company Bank Pivdennyi's assets?
Raw Data
UKR:BPVD PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in UAH UAH3.82
UKR:BPVD Share Price * UKR (2020-04-02) in UAH UAH1.59
Europe Banks Industry PB Ratio Median Figure of 213 Publicly-Listed Banks Companies 0.53x
Ukraine Market PB Ratio Median Figure of 12 Publicly-Listed Companies 0.86x
UKR:BPVD PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= UKR:BPVD Share Price ÷ Book Value per Share (both in UAH)

= 1.59 ÷ 3.82

0.42x

* Primary Listing of Public Company Bank Pivdennyi.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Public Company Bank Pivdennyi is good value based on assets compared to the Europe Banks industry average.
X
Value checks
We assess Public Company Bank Pivdennyi's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Public Company Bank Pivdennyi has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Public Company Bank Pivdennyi expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Public Company Bank Pivdennyi has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
8.1%
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Public Company Bank Pivdennyi expected to grow at an attractive rate?
  • Unable to compare Public Company Bank Pivdennyi's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Public Company Bank Pivdennyi's earnings growth to the market average as no estimate data is available.
  • Unable to compare Public Company Bank Pivdennyi's revenue growth to the Ukraine market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
UKR:BPVD Future Growth Rates Data Sources
Data Point Source Value (per year)
Europe Banks Industry Earnings Growth Rate Market Cap Weighted Average 8.1%
Europe Banks Industry Revenue Growth Rate Market Cap Weighted Average 2.9%
Ukraine Market Revenue Growth Rate Market Cap Weighted Average -85.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
UKR:BPVD Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in UAH Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
UKR:BPVD Past Financials Data
Date (Data in UAH Millions) Revenue Cash Flow Net Income *
2019-06-30 2,275 2,603 311
2019-03-31 2,233 2,145 290
2018-12-31 2,191 1,687 269
2018-09-30 2,009 869 205
2018-06-30 1,827 51 140
2018-03-31 1,677 -4 102
2017-12-31 1,526 -58 63
2017-09-30 1,390 242 76
2017-06-30 1,254 543 89
2017-03-31 1,188 1,649 84
2016-12-31 1,123 2,755 78
2016-09-30 984 3,434 52

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Public Company Bank Pivdennyi is high growth as no earnings estimate data is available.
  • Unable to determine if Public Company Bank Pivdennyi is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
UKR:BPVD Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Public Company Bank Pivdennyi Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

UKR:BPVD Past Financials Data
Date (Data in UAH Millions) EPS *
2019-06-30 0.43
2019-03-31 0.41
2018-12-31 0.38
2018-09-30 0.29
2018-06-30 0.21
2018-03-31 0.15
2017-12-31 0.10
2017-09-30 0.11
2017-06-30 0.14
2017-03-31 0.13
2016-12-31 0.12
2016-09-30 0.08

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Public Company Bank Pivdennyi will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine whether Public Company Bank Pivdennyi is trading at Public Company Bank Pivdennyi'san attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  2. Public Company Bank Pivdennyi's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  3. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Public Company Bank Pivdennyi's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Public Company Bank Pivdennyi has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Public Company Bank Pivdennyi performed over the past 5 years?

  • Public Company Bank Pivdennyi's last earnings update was 223 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Public Company Bank Pivdennyi's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Public Company Bank Pivdennyi has delivered over 20% year on year earnings growth in the past 5 years.
  • Public Company Bank Pivdennyi's 1-year earnings growth exceeds its 5-year average (121.5% vs 35.2%)
  • Public Company Bank Pivdennyi's earnings growth has exceeded the Europe Banks industry average in the past year (121.5% vs 6.8%).
Earnings and Revenue History
Public Company Bank Pivdennyi's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Public Company Bank Pivdennyi Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

UKR:BPVD Past Revenue, Cash Flow and Net Income Data
Date (Data in UAH Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 2,274.87 311.07 1,446.39
2019-03-31 2,232.96 290.21 1,401.71
2018-12-31 2,191.05 269.36 1,357.03
2018-09-30 2,009.35 204.89 1,236.63
2018-06-30 1,827.42 140.43 1,117.65
2018-03-31 1,676.72 101.70 1,039.01
2017-12-31 1,526.03 62.97 960.37
2017-09-30 1,390.14 76.15 913.29
2017-06-30 1,254.25 89.33 851.95
2017-03-31 1,188.37 83.87 807.07
2016-12-31 1,122.50 78.41 762.18
2016-09-30 983.79 52.24 723.76
2016-06-30 845.08 26.07 718.84
2016-03-31 773.01 30.38 693.07
2015-12-31 700.95 34.69 648.07
2015-09-30 706.18 64.32 607.35
2015-06-30 711.41 93.95 566.63
2015-03-31 672.75 87.16 534.44
2014-12-31 634.10 80.37 502.25
2014-09-30 663.49 76.62 486.84
2014-06-30 692.89 72.88 471.42
2014-03-31 666.11 67.12 461.01
2013-12-31 639.33 61.36 450.60
2013-09-30 601.41 47.52 439.45
2013-06-30 563.50 33.69 428.30

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Public Company Bank Pivdennyi has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Public Company Bank Pivdennyi used its assets more efficiently than the Europe Banks industry average last year based on Return on Assets.
  • Unable to establish if Public Company Bank Pivdennyi improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Public Company Bank Pivdennyi's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Public Company Bank Pivdennyi has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Public Company Bank Pivdennyi's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Public Company Bank Pivdennyi's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Public Company Bank Pivdennyi Company Filings, last reported 9 months ago.

UKR:BPVD Past Debt and Equity Data
Date (Data in UAH Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 3,650.19 3,442.79 9,529.01
2019-03-31 3,650.19 3,442.79 9,529.01
2018-12-31 3,503.77 3,432.10 11,688.64
2018-09-30 3,503.77 3,432.10 11,688.64
2018-06-30 3,426.08 3,428.73 9,747.01
2018-03-31 3,546.50 3,696.46 13,241.92
2017-12-31 3,546.50 3,696.46 13,241.92
2017-09-30 3,546.50 3,696.46 13,241.92
2017-06-30
2017-03-31 3,085.01 3,599.47 13,163.09
2016-12-31 3,085.01 3,599.47 13,163.09
2016-09-30 3,085.01 3,599.47 9,603.36
2016-06-30 2,996.07 4,144.58 8,042.35
2016-03-31 2,889.03 3,811.73 10,138.52
2015-12-31 2,889.03 3,811.73 10,138.52
2015-09-30 2,889.03 3,811.73 10,138.52
2015-06-30 2,580.47 2,433.36 9,655.46
2015-03-31 2,374.25 2,433.38 6,711.34
2014-12-31 2,374.25 2,433.38 6,711.34
2014-09-30 2,374.25 2,433.38 6,711.34
2014-06-30 2,059.19 1,688.36 5,077.54
2014-03-31 2,059.19 1,688.36 5,077.54
2013-12-31 1,817.06 435.00 4,020.02
2013-09-30 1,817.06 435.00 4,020.02
2013-06-30 1,753.74 511.36 3,142.45
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Public Company Bank Pivdennyi has an acceptable proportion of non-loan assets held.
  • Public Company Bank Pivdennyi's liabilities are made up of primarily low risk sources of funding.
  • Loans at Public Company Bank Pivdennyi are broadly funded by customer deposits.
  • Public Company Bank Pivdennyi's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Unable to establish if Public Company Bank Pivdennyi has a sufficient allowance for bad loans without relevant financial data.
  • Unable to establish if Public Company Bank Pivdennyi has an acceptable level of bad loans without bad loans data.
X
Financial health checks
We assess Public Company Bank Pivdennyi's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Public Company Bank Pivdennyi has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Public Company Bank Pivdennyi's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Public Company Bank Pivdennyi dividends.
If you bought UAH2,000 of Public Company Bank Pivdennyi shares you are expected to receive UAH0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Public Company Bank Pivdennyi's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Public Company Bank Pivdennyi's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
UKR:BPVD Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Europe Banks Industry Average Dividend Yield Market Cap Weighted Average of 138 Stocks 9%
Ukraine Market Average Dividend Yield Market Cap Weighted Average of 6 Stocks 18.7%
Ukraine Minimum Threshold Dividend Yield 10th Percentile 4.6%
Ukraine Bottom 25% Dividend Yield 25th Percentile 9.3%
Ukraine Top 25% Dividend Yield 75th Percentile 18.5%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Public Company Bank Pivdennyi has not reported any payouts.
  • Unable to verify if Public Company Bank Pivdennyi's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Public Company Bank Pivdennyi's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Public Company Bank Pivdennyi has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Public Company Bank Pivdennyi's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 4.6%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Public Company Bank Pivdennyi afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Public Company Bank Pivdennyi has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Public Company Bank Pivdennyi's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Alla Vanetsiants
TENURE AS CEO 4 years
CEO Bio

Ms. Alla Yuryivna Vanetsiants has been the Chairperson of the Management Board at Pivdennyi Bank since June 7, 2016 and has been its Member of Management Board since 2010. Ms. Vanetsiants served as First Deputy Chairperson of the Management Board at Pivdennyi Bank. She serves as a Member of the Council at Regionala Investiciju Banka A.S. She served as a Member of the Supervisory Board at Pivdennyi Bank.

CEO Compensation
  • Insufficient data for Alla to compare compensation growth.
  • Insufficient data for Alla to establish whether their remuneration is reasonable compared to companies of similar size in .
Management Team Tenure

Average tenure of the Public Company Bank Pivdennyi management team in years:

5.3
Average Tenure
  • The average tenure for the Public Company Bank Pivdennyi management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Alla Vanetsiants

TITLE
Chairperson of the Management Board
TENURE
4 yrs

Irina Buts

TITLE
Deputy Chairman of Mgmt. Board & Director of Finance Division

Maksym Tsymbal

TITLE
Deputy Chairperson of Management Board
TENURE
5.3 yrs

Liudmyla Vladimirovna Kovalionok

TITLE
Chief Accountant & Member of Management Board
TENURE
22.3 yrs

Volodymyr Havlytskyi

TITLE
Director of Compliance Department & Member of Management Board

Olena Netrebko

TITLE
Head of Coordination - Business Processing Department & Member of Management Board
Board of Directors Tenure

Average tenure and age of the Public Company Bank Pivdennyi board of directors in years:

17.3
Average Tenure
64
Average Age
  • The average tenure for the Public Company Bank Pivdennyi board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Yuriy Rodin

TITLE
Supervisory Council Chairman
AGE
69
TENURE
25.3 yrs

Mark Bekkers

TITLE
Vice Chairman of Supervisory Council
AGE
74
TENURE
17.3 yrs

Margo Jacobs

TITLE
Senior Advisor & Members of the Supervisory Council
AGE
55

Willibrordus Joannes De Bruijn

TITLE
Supervisory Council Member

Mykhailo Chornyi

TITLE
Supervisory Council Member
AGE
59
TENURE
4.3 yrs

Olena Korobkova

TITLE
Supervisory Council Member
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (UAH) Value (UAH)
X
Management checks
We assess Public Company Bank Pivdennyi's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Public Company Bank Pivdennyi has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Public Company Joint-stock Bank Pivdennyi provides commercial and retail banking products and services in Ukraine and Latvia. Its Retail Banking segment offers private banking services; current and savings accounts; deposits; investment savings products; custody services; credit and debit cards; consumer loan products; and mortgages. The company’s Corporate Banking segment provides direct debit facilities, current accounts, deposits, overdrafts, loan and other credit facilities, and foreign currency and derivative products. Its Treasury segment offers interbank loans and deposits, as well as structured financing and derivative products. The company’s Investment Banking segment provides financial instruments trading, structured financing, corporate leasing, and merger and acquisitions advisory services. It operates 107 outlets in Ukraine. Public Company Joint-stock Bank Pivdennyi was founded in 1993 and is based in Odessa, Ukraine.

Details
Name: Public Company Joint-stock Bank "Pivdennyi"
BPVD
Exchange: UKR
Founded: 1993
UAH1,138,551,300
716,070,000
Website: http://bank.com.ua
Address: Public Company Joint-stock Bank "Pivdennyi"
6/1, Krasnova Street,
Odessa,
65059,
Ukraine
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
UKR BPVD Ordinary Shares PFTS Ukraine Stock Exchange UA UAH 16. Jul 2007
Number of employees
Current staff
Staff numbers
0
Public Company Bank Pivdennyi employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/07 19:52
End of day share price update: 2020/04/02 00:00
Last earnings filing: 2019/08/28
Last earnings reported: 2019/06/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.