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Kuznetsky Bank Public joint stock company

Kuznetsky Bank Public joint stock company

KUZB.ME
Kuznetsky Bank Public joint stock companyRU flagMoscow Stock Exchange
0.03
RUB
+0.00
- -
605.34MMarket Cap
Kuznetsky Bank Public joint stock company
KUZB.ME
(Moscow Stock Exchange)

Recent

price

0.03

P/E

ratio

- -

div

yld

- -

ROIC.AI

2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
TTM
FRC
0.01
0.01
0.01
0.01
0.01
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.03
0.02
- -
0.03
Revenue per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
-0.01
0.01
0.01
-0.01
0.02
0.01
-0.01
0.01
0.01
- -
- -
0.03
-0.01
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
0.01
0.01
0.01
0.01
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
- -
0.03
Book Value per Share
0.01
0.01
0.01
0.01
0.02
0.02
0.02
0.02
0.02
0.03
0.03
0.02
0.03
0.03
- -
0.03
Tangible Book Value per Share
19,329
19,329
19,329
19,329
19,329
18,402
21,273
21,905
22,503
22,503
22,503
22,503
22,503
22,503
- -
22,503
Basic Weighted Avg Shares
125
167
139
175
253
337
424
422
410
463
545
515
574
543
615
615
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
9
15
16
18
25
- -
- -
- -
29
24
20
15
39
67
67
Depreciation Expense
28
31
- -
-51
30
27
42
36
3
40
56
19
33
67
76
76
Net Income, GAAP
27.92
22.02
99.59
- -
- -
44.28
40.12
43.14
86.69
25.42
34.64
68.59
43.36
19.2
31.12
31.12
Effective Tax Rate (%)
22.63
18.45
0.01
-29.03
11.9
7.97
10.01
8.45
0.82
8.73
10.2
3.78
5.71
12.28
12.43
12.43
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
26
5
- -
48
29
2
82
57
6
129
17
- -
- -
70
78
78
LT Debt
167
202
209
183
373
414
464
501
503
620
695
538
568
623
622
622
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
30.37
- -
-25.84
13.56
9.66
13.36
9.99
0.91
10.51
13.27
4.38
7.12
13.06
13.25
13.25
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'21
Sep'21
Dec'21
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
22,503
22,503
22,503
Market Capitalization
531
514
405

Working Capital

FRC

•

in mil. unless spec.
Jun'21
Sep'21
Dec'21
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,097
1,111
1,541
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
5.94%
0.9%
-0.22%
Free Cash Flow
14.01%
181.34%
-85.46%
Net Income, GAAP
120.49%
31.85%
14.56%
Sales/Revenue/Turnover
10.01%
6.31%
13.19%
Total Cash Common Dividend
- -
- -
-2.94%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
127
199
139
150
615
2022
- -
164
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
- -
2022
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
- -
2022
- -
- -
- -
- -
- -
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Business
Kuznetsky Bank Public joint stock company is a Russian regional financial and credit institution founded in 1990 and headquartered in Penza, Russia. The bank offers a comprehensive range of banking products and services, including deposits in rubles and foreign currencies; consumer lending services; mortgage lending services; loans for small and medium-sized enterprises and individual entrepreneurs; money transfer services in rubles; plastic card issuance and management; safe deposit box rentals; settlement and cash services; payroll project management; guarantees; and financial market operations such as investments in securities. Kuznetsky Bank primarily serves retail customers, SMEs, and corporate clients within Russia through its network of branches, automated teller machines (ATMs), and terminals. The company’s shares are publicly traded on the Moscow Exchange under the ticker KUZB. In the last 1-2 years, Kuznetsky Bank has focused on operational stability and enhancing its digital banking capabilities, including the launch of a mobile banking application to improve client access and security of banking services. The bank maintains its strategic orientation towards expanding consumer and mortgage lending portfolios while improving backend processes and customer service platforms to compete effectively within the regional banking sector. It continues to hold a banking license that permits operations with ruble and foreign currency funds, deposits from individuals, and securities transactions. No major acquisitions or restructuring announcements were noted recently, indicating a focus on organic growth and service enhancement. Kuznetsky Bank operates within the commercial banking industry, specifically targeting regional banking services across Russia, facilitated by its robust branch and ATM network. It is positioned as a retail and corporate bank offering extensive deposit products, credit facilities, and payment services, aiming to support the financial needs of individuals, entrepreneurs, and business clients in its geographic markets. The bank’s leadership includes CEO Mikhail Dralin, and it holds regulatory licenses to operate in the Russian Federation's banking sector, emphasizing compliance and customer service as core to its business. Its market capitalization remains modest, reflecting its regional banking scale and specialization. Overall, Kuznetsky Bank presents as a well-established regional Russian bank providing a diverse range of banking products and services, strengthening its technological platform for client services, focusing on deposit and lending growth, while maintaining financial stability and regulatory compliance in recent years. Its business model centers on retail and SME banking across Russian regions with steady product offerings and service enhancements.