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Arab Jordan Investment Bank

  • Market Cap: Mid Cap
  • Industry: Major Banks
  • ISIN: JO1100511012
JOD
1.51
0.22 (17.05%)

Dec 04

AMM

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Arab Bank Plc
Safwa Islamic Bank
Cairo Amman Bank
Jordan Ahli Bank
Jordan Commercial Bank
Jordan Kuwait Bank
Jordan Islamic Bank
Arab Banking Corp.
Bank Al-Etihad
Arab Jordan Investment Bank
Why is Arab Jordan Investment Bank ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.56% signifying inadequate buffers against its risk based assets
  • Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 4.67%
  • Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.56% signifying inadequate buffers against its risk based assets
  • The bank has been able to generate a Return on Assets (avg) of 0.73% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 4.67%
3
Flat results in Jun 25
  • CREDIT DEPOSIT RATIO(HY) Lowest at 65.28%
  • GROSS NPA (%)(Q) Highest at 2.03%
  • NET SALES(Q) Lowest at JOD 34.81 MM
4
With ROA of 0.49%, it has a expensive valuation with a 1.00 Price to Book Value
  • The stock is trading at a discount compared to its peers' average historical valuations
  • Over the past year, while the stock has generated a return of 17.83%, its profits have fallen by -2.4%
  • At the current price, the company has a high dividend yield of 6.8
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Arab Jordan Investment Bank for you?

Medium Risk, Low Return

Absolute
Risk Adjusted
Volatility
Arab Jordan Investment Bank
-100.0%
0.83
24.83%
Jordan General Index
41.13%
4.48
9.22%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
8.78%
EBIT Growth (5y)
0.01%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
93.81%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.00
EV to EBIT
6.41
EV to EBITDA
4.50
EV to Capital Employed
0.99
EV to Sales
0.75
PEG Ratio
NA
Dividend Yield
6.80%
ROCE (Latest)
15.48%
ROE (Latest)
7.44%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company
NII(Q)

Highest at JOD 15.17 MM

OPERATING PROFIT(Q)

Highest at JOD 6.1 MM

OPERATING PROFIT MARGIN(Q)

Highest at 17.53 %

PRE-TAX PROFIT(Q)

Highest at JOD 6.1 MM

-5What is not working for the Company
CREDIT DEPOSIT RATIO(HY)

Lowest at 65.28%

GROSS NPA (%)

(Q

NET SALES(Q)

Lowest at JOD 34.81 MM

Here's what is working for Arab Jordan Investment Bank
NII
Highest at JOD 15.17 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (JOD MM)

Operating Profit
Highest at JOD 6.1 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is positive

Operating Profit (JOD MM)

Operating Profit Margin
Highest at 17.53 %
in the last five periods
MOJO Watch
Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit
Highest at JOD 6.1 MM
in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JOD MM)

Here's what is not working for Arab Jordan Investment Bank
Non Performing Loans (%)
Highest at 2.03%
in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Credit Deposit Ratio
Lowest at 65.28% and Fallen
In each half year in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Net Sales
Lowest at JOD 34.81 MM
in the last five periods
MOJO Watch
Near term sales trend is negative

Net Sales (JOD MM)

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