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 4.04%
- 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 4.04%
3
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at JOD 41.41 MM
- NII(Q) Lowest at JOD 30.34 MM
- NET SALES(Q) Lowest at JOD 46.28 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 10.87%, its profits have fallen by -11.4%
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
10.87%
1.07
17.34%
Jordan General Index
41.27%
4.23
9.76%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.55%
EBIT Growth (5y)
1.82%
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
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
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
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 1,851.02 MM
-7What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at JOD 41.41 MM
NII(Q)
Lowest at JOD 30.34 MM
NET SALES(Q)
Lowest at JOD 46.28 MM
PRE-TAX PROFIT(Q)
Lowest at JOD 10.45 MM
Here's what is working for Bank of Jordan
Cash and Eqv
Highest at JOD 1,851.02 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at JOD 3.3 MM
in the last five periodsMOJO 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 of Jordan
Operating Cash Flow
Lowest at JOD 41.41 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)
NII
Lowest at JOD 30.34 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (JOD MM)
Net Sales
Lowest at JOD 46.28 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (JOD MM)
Pre-Tax Profit
Lowest at JOD 10.45 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JOD MM)
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