1. Greece Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Eurobank Ergasias Services and Holdings S.A.

Eurobank Ergasias Services and Holdings S.A.

EGFEF
Eurobank Ergasias Services and Holdings S.A.US flagOther OTC
4.85
USD
+0.15
- -
17.73BMarket Cap
Eurobank Ergasias Services and Holdings S.A.
EGFEF
(Other OTC)

Recent

price

4.85

P/E

ratio

- -

div

yld

- -

ROIC.AI

2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
TTM
FRC
5,853.55
5,074.43
3,303.35
2,699.81
52.58
14.68
5.7
0.87
0.86
0.85
0.56
0.59
0.51
0.74
0.76
0.88
0.91
Revenue per Share
587.09
126.4
-10,127.94
-2,306.61
-40.99
-10.58
-4.02
0.11
0.05
0.04
0.04
-0.33
0.09
0.36
0.31
0.4
0.39
Basic EPS, GAAP
3,060.55
6,258.47
2,858.38
-2,522.24
-79.92
-33.52
-4.22
-2.25
-2.32
-0.53
0.46
0.86
2.18
0.73
-0.63
0.03
-0.11
Free Cash Flow per Basic Share
71.22
200.75
265.51
68.85
0.52
0.1
0.08
- -
- -
- -
- -
- -
- -
- -
- -
0.09
- -
Dividend per Share
2,848.82
2,747.26
2,244.96
2,214.21
57.15
38.31
2.12
0.3
0.3
0.3
0.26
0.22
0.22
0.22
0.22
0.22
0.22
Book Value per Share
8,958.37
8,197.16
-988.81
-3,643.84
115.16
45.18
19.6
2.88
2.77
2.22
1.9
1.35
1.45
1.73
2.05
2.31
2.5
Tangible Book Value per Share
1
1
1
1
29
115
309
2,185
2,184
2,184
3,314
3,708
3,708
3,709
3,699
3,665
3,669
Basic Weighted Avg Shares
3,041
2,730
1,804
1,490
1,510
1,691
1,762
1,907
1,881
1,859
1,854
2,180
1,901
2,738
2,816
3,221
3,326
Sales/Revenue/Turnover
- -
- -
- -
- -
-127.55
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
140
115
109
105
95
99
82
62
60
58
109
109
114
117
120
135
150
Depreciation Expense
305
68
-5,508
-1,458
-1,154
-1,219
-1,181
235
104
93
127
-1,215
328
1,347
1,140
1,448
1,418
Net Income, GAAP
20.6
33.9
- -
- -
- -
- -
- -
- -
2.76
33.05
19.38
- -
32.3
23.19
16.93
19.28
21.6
Effective Tax Rate (%)
10.03
2.49
-305.32
-97.85
-76.42
-72.09
-67.03
12.32
5.53
5
6.85
-55.74
17.26
49.2
40.48
44.95
42.64
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
10,429
7,288
6,293
4,290
10,786
11,010
4,658
7,806
4,416
8,968
7,509
3,165
3,689
5,184
7,753
9,655
10,520
LT Debt
6,314
6,094
875
-655
4,523
6,304
7,132
7,394
7,150
5,042
6,667
5,262
5,635
6,732
7,899
8,899
9,643
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
21.34
4.6
-409.1
-104
-82.22
-40.28
-49.01
35.85
15.87
13.87
16.57
-145.6
40.2
165.07
139.53
178
174.31
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,675
3,674
3,651
Market Capitalization
7,392
8,341
10,272

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
17,747
16,383
17,051
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.17%
7.1%
12.66%
Free Cash Flow
-18.66%
-18.4%
-104.26%
Net Income, GAAP
-101.41%
-172.27%
27.02%
Sales/Revenue/Turnover
7.57%
13.22%
14.38%
Total Cash Common Dividend
- -
- -
34,100%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
624
711
592
773
2,816
2024
752
706
791
878
3,221
2025
823
834
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.06
0.12
0.08
- -
0.31
2024
0.08
0.12
0.11
- -
0.4
2025
0.09
0.1
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
0.09
2025
- -
- -
- -
- -
- -
Similar Companies
First Community Corporation (FCCO)
Nicolet Bankshares, Inc. (NIC)
AMB Financial Corp. (AMFC)
SouthPoint Bancshares, Inc. (SOUB)
Premier Financial Corp. (PFC)
AMC Financial Holdings Inc. (ACFL)
Business
Eurobank Ergasias Services and Holdings S.A. (Eurobank Holdings) operates as a leading financial holding company in Greece, providing a comprehensive range of banking and financial services through its subsidiaries, including retail banking with current accounts, savings deposits, investment savings products, credit and debit cards, consumer loans, small business banking, and mortgages; corporate banking offering current accounts, deposits, loan and credit facilities, foreign currency, and derivative products; global markets and asset management encompassing investment banking, financial consulting in mergers and acquisitions, evaluations, restructuring, strategy, brokerage, treasury, capital markets, private banking, wealth management, and institutional asset management; international banking activities; property investment; and remedial and servicing strategies. The group serves retail, corporate, private, and institutional customers across Greece, Bulgaria, Cyprus, Luxembourg, and other regions, with revenues primarily generated from Greece (72.8%), Bulgaria (13.9%), and Cyprus (10.8%) as of the end of 2023. Founded in 1924 and headquartered at 8 Othonos Street, Athens, Greece, the company employs approximately 12,449 people and manages EUR 57.4 billion in customer deposits and EUR 41.5 billion in loans as of December 2023. In recent developments, Eurobank Holdings entered a term sheet with Fairfax Financial Holdings in October 2025 to reacquire Eurolife FFH Life Insurance, enabling full consolidation of Eurolife Life's results, revenue diversification through bancassurance, and operational integration in Greece and Cyprus, while Fairfax invested in ERBA's share capital; the extraordinary general meeting approved a merger on December 3, 2025; Eurobank S.A. completed the acquisition of a 37.5% stake in Hellenic Bank Public Company Limited on February 10, 2025, following prior increases to over 93%, leading to a full takeover, delisting, and merger with Eurobank Cyprus finalized on September 1, 2025; and Eurobank S.A. concluded a EUR 200 million agreement for fixed-rate senior preferred instruments in September 2025.