Bank Al-Etihad (UBSI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

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

Cairo Amman Bank

Jordan Ahli Bank

Jordan Commercial Bank

Jordan Kuwait Bank

Jordan Islamic Bank

Invest Bank (Jordan)

Arab Banking Corp.

Bank Al-Etihad

Why is Bank Al-Etihad ?

Negative results in Jun 25

GROSS NPA (%)(Q) Highest at 5.53%
CREDIT DEPOSIT RATIO(HY) Lowest at 82.65%

Real-Time Research Report

Verdict Report

How much should you sell?

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 Bank Al-Etihad for you?

Medium Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Bank Al-Etihad

44.44%

1.53

24.33%

Jordan General Index

41.13%

4.46

9.22%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.92%

EBIT Growth (5y)

-206.25%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

47.26%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

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

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.96

EV to EBIT

4.97

EV to EBITDA

3.80

EV to Capital Employed

0.95

EV to Sales

0.67

PEG Ratio

1.64

Dividend Yield

4.17%

ROCE (Latest)

19.09%

ROE (Latest)

9.00%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

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

2What is working for the Company

CASH AND EQV(HY)

Highest at JOD 1,750.05 MM

OPERATING PROFIT MARGIN(Q)

Highest at 18.04 %

-4What is not working for the Company

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Lowest at 82.65%

Here's what is working for Bank Al-Etihad

Operating Profit Margin

Highest at 18.04 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Cash and Eqv

Highest at JOD 1,750.05 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Depreciation

Highest at JOD 5.73 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (JOD MM)

Here's what is not working for Bank Al-Etihad

Non Performing Loans (%)

Highest at 5.53% and Grown

In each half year 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 82.65%

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 (%)

Capital Adequacy Ratio

Lowest at 12.59%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)