ScoreWhy is Bank of Jordan ?
1
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 Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 15.43%
- 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
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 15.43%
3
Flat results in Jun 25
- NET SALES(Q) Lowest at JOD 46.8 MM
- NII(Q) Lowest at JOD 32.46 MM
4
With ROA of 0.80%, it has a fair valuation with a 1.01 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 18.22%, its profits have fallen by -11.4%
5
Underperformed the market in the last 1 year
- The stock has generated a return of 18.22% in the last 1 year, much lower than market (Jordan General Index) returns of 38.69%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of Jordan should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Jordan for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Jordan
-100.0%
1.49
15.94%
Jordan General Index
38.69%
4.01
9.66%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.90%
EBIT Growth (5y)
10.19%
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
102.80%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.01
EV to EBIT
-4.42
EV to EBITDA
-3.49
EV to Capital Employed
0.98
EV to Sales
-1.03
PEG Ratio
NA
Dividend Yield
0.68%
ROCE (Latest)
-22.18%
ROE (Latest)
7.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
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 1,630.09 MM
-4What is not working for the Company
NET SALES(Q)
Lowest at JOD 46.8 MM
NII(Q)
Lowest at JOD 32.46 MM
Here's what is working for Bank of Jordan
Cash and Eqv
Highest at JOD 1,630.09 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
Net Sales
Lowest at JOD 46.8 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (JOD MM)
NII
Lowest at JOD 32.46 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (JOD MM)
Capital Adequacy Ratio
Lowest at 19.59%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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