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CREDIAFinancial Services · Banks - Regional · ΧΑ

CrediaBank

€0.930
+0.01(+1.09%)
Close 26/10/2026 · end-of-day price, not real-time

CrediaBank (CREDIA) closed at €0.930 on 26/10/2026, +1.09% on the day. Market cap €1.9bn.

Announcements to the exchange

My view
Private · MENTOR takes it into account
−25.0%6M
Drag sideways across the chart to pick a period, or click an event's dot below it, then ask MENTOR about it.
26/10/2026Close 0.930+1.09%−25.0% since start

Key statistics

FY2025 unless a figure says otherwise

Profile

At the 26 Oct close
Market value
€1.9bn
Shares outstandingOct 2026
2bn
Total incomeFY2025
€279.2m
Employees
1,223
Free floatest.
46.7%
Traded a day, 3-month average
€4.8m

Bank

Q2 2026
CET1H1 2026
15.5%
NPE coverH1 2026
57.1%
Net interest margin
2.3%
Cost to income
57.3%

Valuation

FY2025
P/E
—

not meaningful: profit near zero

P/B
1.9×
Dividend yield
0.0%

Returns

FY2025
ROE
1.6%
ROA
0.2%
ROE, 5-year averageFY2021–25
−28.8%
Tax rate
76.3%

Growth

Revenue, last yearFY2025
+88.4%
EPS, last yearFY2025
—

not meaningful: from a loss

Revenue, 3 yearsFY2022–25, a year
+79.5%
EPS, 3 yearsFY2022–25, a year
—

not meaningful: crosses a loss

Dividends

FY2025
Yield, last 12 months
0.0%
Per share
—

not meaningful here

Payout
—

nothing paid in 12 months

Withheld, and why

  • Profile: Enterprise value · Valuation: EV/Sales, EV/EBITDA, P/FCF · Margins · Returns: ROCE, ROIC · Financial health · Dividends: Covered by free cash flow · a bank or an insurer is read on its capital and its loans: deposits and wholesale funding are its raw material, not its debt

Trading and risk

From our closes, dividends reinvested
Total return, 1 year
−38.1%
3 years, a year
−90.2%
5 years, a year
−80.9%
Volatility, 1 year
46.3%
Beta to the General Index
1.34×
Deepest fall, 1 year / 5 years
−46.4% / −100.0%
52-week range
€0.908–€1.694
est.worked out by usread with care: tap for why

Where the figures come from: the company's reports, reviewed by us · annual accounts filed in ESEF format · results announcements on the exchange · our own closing prices. No forecasts or target prices are stored.

Financial charts

From the stored figures: the reviewed dossier first, then the annual reports (ESEF) and results announcements

Loading the charts…

Valuation

6 companies
MetricCREDIAPeer median
P/Ethin profit—11.5
P/B1.91.6
Dividend yield0.0%3.0%
Payout ratio—37.6%
ROE1.6%13.3%
Revenue growth (last full year)88.4%−0.7%
Twelve Data · latest quarter 31/12/2025

Peers: Banks

P/BDay
EurobankEUROB2.0+4.0%
National Bank of GreeceETE1.5+2.5%
Piraeus BankTPEIR1.2+3.4%
Alpha BankALPHA1.1+4.3%
Bank of CyprusBOCHGR1.7+2.8%
Optima BankOPTIMA3.8+1.1%
CrediaBankCREDIA1.9+1.1%
Compare in depth

The company

AI-drafted

CrediaBank is Greece's fifth-largest bank by assets, formed by the 2024 merger of Attica Bank and Pancreta Bank and renamed in August 2025. It lends to SMEs, large corporates, shipping and households through 65 branches, funded by €7.6bn of customer deposits. It has agreed to buy 70.03% of HSBC Bank Malta.

How it makes moneyH1 2026 · basis: other
  • Corporate banking137%
  • Retail banking128%
  • Structured financing and shipping121%
  • Treasury116%
  • Corporate centre1(negative, −€2.3m)share n/a
It is
  • A commercial bank with €7.6bn of customer deposits and €5.3bn of gross loans excluding retained securitisation senior notes, weighted to business lending.1,2
  • Greece's fifth banking pillar, created by the September 2024 merger of Attica Bank and Pancreta Bank.5
It is not
  • No longer carries the old Attica Bank's bad loans: after the Domus and Rhodium securitisations the NPE ratio is 2.4%.3,2
  • Neither HCAP nor Thrivest holds a voting majority: their blocks are 29.3% and 24.0%; HCAP also has framework-agreement rights.1,8
  • Is not yet a Maltese bank: the 70.03% purchase of HSBC Bank Malta awaits approvals and is not consolidated.3,2
Recent developmentsAll company events →
  • Sep 2026CrediaBank and Evropi published their draft absorption agreement; shareholder and regulatory approvals remain outstanding.8
  • Jul 2026Thrivest sold 333.3m shares, 16.7% of the capital, by accelerated bookbuild; its stake fell to 24.0% and the free float rose to 46.7%.1
  • Jun 2026The share joined the FTSE/ATHEX Large Cap index from the session of 22 June 2026.7
  • May 2026Agreed to absorb Evropi Holdings by share exchange and to buy 70% of Pantelakis Securities for €8.75m.1
  • Apr 2026Completed a €300m share capital increase, 375m new shares at €0.80, 3.8 times oversubscribed.1
  • Dec 2025Definitive agreement with HSBC Continental Europe to acquire 70.03% of HSBC Bank Malta for €200m.3
Key figures
  • Gross NPE ratio 2.4% H1 20262
  • CET1 ratio 15.5% H1 20262
  • Customer deposits €7.6bn H1 20262
  • Gross loans excluding securitisation senior notes €5.3bn H1 20261,2
  • Recurring pre-provision income €53.6m H1 20262
Key facts
  • Renamed from Attica Bank to CrediaBank on 21 August 2025; the ATHEX code changed from ATT to CREDIA.3
  • HCAP holds 29.3%, Thrivest 24.0% after the July 2026 placement, and the free float is 46.7%.1
  • 65 branches, 1,223 employees and about 350,000 active customers.1,2
  • No state-backed deferred tax credit sits in capital, but €222m of net deferred tax assets includes tax-loss carryforwards.1,3,4
  • The €200m purchase of 70.03% of HSBC Bank Malta would double the balance sheet to over €17bn.6,2
AI-drafted from the cited sources · 30/09/2026 · v2 · ✓ checked by an independent second modelCrediaBank S.A.Website ↗
MENTORFree beta
Why it moved
+1.09% · volume 0.9×
News & events
News and what's next
Peers
5 listed peers
Results
How it did vs last year
Valuation
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Asks“What's the latest news on CrediaBank, and what's coming up?”
Data: Twelve Data · End-of-day prices · Nothing here is investment advice.