ScoreWhy is Bank of Jordan ?
1
Poor Management Efficiency with a low ROA of 1.19%
- The bank has been able to generate a Return on Assets (avg) of 1.19% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 20.26% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 0.95%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 20.26% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 1.19% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 0.95%
4
Flat results in Jun 26
- OPERATING CASH FLOW(Y) Lowest at JOD 79.98 MM
- NET PROFIT(HY) At JOD 16.35 MM has Grown at -38.07%
- CREDIT DEPOSIT RATIO(HY) Lowest at 79.28%
Real-Time Research ReportHow 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 Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Bank of Jordan for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Jordan
-100.0%
1.50
15.86%
Jordan General Index
35.02%
3.61
9.69%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.03%
EBIT Growth (5y)
-1.81%
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
81.82%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.10
EV to EBIT
-11.37
EV to EBITDA
-8.45
EV to Capital Employed
0.90
EV to Sales
-2.28
PEG Ratio
2.89
Dividend Yield
0.67%
ROCE (Latest)
-7.89%
ROE (Latest)
7.74%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
CASH AND EQV(HY)
Highest at JOD 2,089.44 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at JOD 79.98 MM
NET PROFIT(HY)
At JOD 16.35 MM has Grown at -38.07%
CREDIT DEPOSIT RATIO(HY)
Lowest at 79.28%
Here's what is working for Bank of Jordan
Cash and Eqv
Highest at JOD 2,089.44 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Bank of Jordan
Operating Cash Flow
Lowest at JOD 79.98 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (JOD MM)
Net Profit
At JOD 16.35 MM has Grown at -38.07%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (JOD MM)
Credit Deposit Ratio
Lowest at 79.28%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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