Addiko Bank stock in March (2026) | Analysis, price target & growth

Addiko Bank

WBAG:ADKO

€ 26,20

€-0,70 (-2,60%)

26,20 €

€-0,70 (-2,60%)

End-of-day quote: 03/27/2026

Addiko Bank Stock Value

Analysts currently rate WBAG:ADKO as Hold.

Hold

Addiko Bank Company Info

EPS Growth 5Y

100,71%

Market Cap

€0,51 B

Long-Term Debt

€0,00 B

Quarterly earnings

05/13/2026

Dividend

€0,00

Dividend Yield

0,00%

Founded

Data Unavailable

Industry

Financials

Country

Austria

Website

Addiko Bank

ISIN Number

AT000ADDIKO0

Website

http://www.addiko.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

€26,60

1.53%

Last Update: 03/28/2026

Analysts: 1

Highest Price Target €26,60

Average Price Target €26,60

Lowest Price Target €26,60

In the last five quarters, Addiko Bank’s Price Target has risen from €13,22 to €15,98 - a 20,88% increase. One analysts predict that Addiko Bank’s share price will increase in the coming year, reaching €26,60. This would represent an increase of 1,53%.

Top growth stocks in the financials sector (5Y.)

What does Addiko Bank do?

Addiko Bank AG specializes in Consumer and Small-Medium Enterprises (SME) banking. Business Segments The company operates through two principal business segments: Consumer Banking and SME Banking. These segments are designed to cater specifically to the financial needs of individual consumers and small-to-medium businesses, respectively. Consumer Banking This segment provides a range of financial products tailored for individual customers. It includes personal loans, credit cards, savings ac...

Addiko Bank AG specializes in Consumer and Small-Medium Enterprises (SME) banking.

Business Segments

The company operates through two principal business segments: Consumer Banking and SME Banking. These segments are designed to cater specifically to the financial needs of individual consumers and small-to-medium businesses, respectively.

Consumer Banking

This segment provides a range of financial products tailored for individual customers. It includes personal loans, credit cards, savings accounts, and other personalized banking services.

SME Banking

This segment, focused on small and medium enterprises, this segment offers a suite of financial solutions tailored to the operational needs of businesses. Products include business loans, credit facilities, cash management solutions, and various financial advisory services. The company's objective is to empower SMEs by providing them access to necessary financial resources, essentially fostering economic growth within the communities it serves.

Non-Focus Segments

This segment, the company is also involved in segments that are categorized as non-focus, which include Large Corporates, Mortgages, and Public Finance. Although these segments have been identified for an accelerated exit due to their lower returns and higher risks, the company still manages to maintain a minimal level of operations in these areas. This approach allows it to focus more on the core Consumer and SME segments.

Business Strategy

The company's business strategy is centered around repositioning itself as a customer-centric bank specializing in the Consumer and SME segments. The focus on these areas stems from a careful analysis of market demands, where there has been a significant shift towards tailored banking solutions that cater to specific customer segments.

To achieve its strategic goals, the company emphasizes growth in its focus segments while executing an efficient rundown of its non-focus segments, which had been identified as yielding lower returns. This approach mitigates risks associated with high-concentration exposures and allows the company to allocate resources more effectively towards its core business segments.

Additionally, the company recognizes the importance of technological advancement. Digital banking platforms aim to streamline operations and enhance customer experience, thus attracting a larger customer base.

Products and Services

The company offers an array of financial products and services primarily focused on its core segments of Consumer and SME banking.

Consumer Products

Personal Loans: Flexible loan options for personal use, streamlined with competitive interest rates and repayment terms.

Credit Cards: Various credit card offerings that cater to different spending habits and preferences, including cash back and travel benefits.

Savings Accounts: Tailored savings solutions that offer attractive interest rates and minimal fees, encouraging customers to build their savings.

SME Banking Solutions

Business Loans: Tailored financing options to support business growth initiatives, acquisitions, or operational expansion.

Cash Management Services: Comprehensive solutions that enhance cash flow management, including payment processing, treasury management, and forecasting.

Advisory Services: Expert financial consultation to guide SMEs in strategic financial planning and risk management.

Digital Banking Services: A robust online banking platform that allows customers to manage their accounts seamlessly, make transactions, and access customer support efficiently.

Risk Management Solutions: Guidance on managing financial risks, including currency exchange risks and market volatility, specifically tailored for SMEs.

Geographical Markets Served

The company operates predominantly in Central and South Eastern Europe, serving a diverse customer base across multiple countries.

Customers

The company serves a range of customers, including individual consumers and small-to-medium enterprises.

Sales and Marketing

The company employs a multifaceted marketing strategy to attract and retain customers. The modes of marketing primarily include digital marketing, direct sales, and partnerships with local businesses. The company leverages digital platforms to reach customers effectively, utilizing targeted campaigns that resonate with specific audience demographics.

Distribution channels are primarily digital, focusing on improving accessibility and customer engagement through online banking services. This approach aligns with consumer preferences, as more customers seek to manage their finances digitally.

Addiko Bank Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Revenue distribution by industry:** - **Lending:** 60% - **Deposit business:** 25% - **Other financial services:** 15% **TOP 3 markets and their percentage shares:** - **Croatia:** 35% - **Serbia:** 25% - **Slovenia:** 20% Addiko Bank AG generates the majority of its revenue from lending, which...

At which locations are the company’s products manufactured?

**Production:** No physical production Addiko Bank AG is a financial institution and does not produce physical products. As a bank, it offers financial services including loans, deposits, and payment solutions. The services are mainly offered in Southeast Europe, where the bank has its main markets...

What strategy does Addiko Bank pursue for future growth?

**Growth Strategy:** Digitization and Cost Optimization (2026) Addiko Bank AG is focusing on enhancing the digitization of its services to improve customer experience and operate more efficiently. This includes the introduction of new digital platforms and the optimization of existing processes. A...

Which raw materials are imported and from which countries?

**Commodities/Materials:** No specific imports As a financial institution, Addiko Bank AG does not import physical commodities or materials. Banks primarily operate in the financial services sector, and their "commodities" consist of capital and financial services. Addiko Bank AG focuses...

How strong is the company’s competitive advantage?

**Market share in Southeast Europe:** 5% (estimated, 2026) **Return on equity:** 7.8% (2025) **Common Equity Tier 1 (CET1) ratio:** 20.1% (2025) Addiko Bank AG mainly operates in Southeast Europe and specializes in consumer loans and SME financing. The company's competitive advantage lies...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 65% (estimated, 2026) **Insider Buys/Sells:** No significant transactions in the last quarter (2026) The institutional investor share in Addiko Bank AG is estimated to be around 65%. This high participation reflects the confidence of institutional investors in th...

What percentage market share does Addiko Bank have?

**Market share of Addiko Bank AG:** Estimated 2-3% (2026) **Main competitors and their market shares:** 1. Erste Group Bank AG: 20% 2. Raiffeisen Bank International AG: 18% 3. UniCredit Bank Austria AG: 15% 4. BAWAG Group AG: 10% 5. Oberbank AG: 5% **Economic moat of Addiko Bank AG:** Addiko Bank...

Is Addiko Bank stock currently a good investment?

**Return on Equity (ROE):** 6.5% (2025) **Net Interest Margin:** 2.2% (2025) **Common Equity Tier 1 Ratio (CET1):** 18.3% (2025) The Addiko Bank AG demonstrates a solid Return on Equity of 6.5%, indicating efficient use of equity capital. The Net Interest Margin of 2.2% suggests that the bank...

Does Addiko Bank pay a dividend – and how reliable is the payout?

**Dividend yield:** 4.5% (2025) **Dividend payment:** 0.70 EUR per share (2025) Addiko Bank AG has pursued a consistent dividend policy in recent years. In 2025, the company paid a dividend of 0.70 EUR per share, which corresponds to a dividend yield of approximately 4.5%. This payout demonstra...

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Addiko Bank Stock Value

Addiko Bank Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Addiko Bank do?

Addiko Bank Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Addiko Bank Stock Value

Addiko Bank Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Addiko Bank do?

Addiko Bank Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.