ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bank of Sharjah PSC ?
1
Positive results in Jun 25
- NII(Q) Highest at AED 175.54 MM
- NET SALES(Q) Highest at AED 605.51 MM
- OPERATING PROFIT(Q) Highest at AED 131.32 MM
2
With ROA of 0.69%, it has a fair valuation with a 0.53 Price to Book Value
- Over the past year, while the stock has generated a return of 76.32%, its profits have risen by 529.8% ; the PEG ratio of the company is 0
3
Consistent Returns over the last 3 years
- Along with generating 76.32% returns in the last 1 year, the stock has outperformed Abu Dhabi Securities Exchange in each of the last 3 annual periods
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 Sharjah PSC for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank of Sharjah PSC
-100.0%
5.44
29.71%
Abu Dhabi Securities Exchange
-1.41%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.98%
EBIT Growth (5y)
0.51%
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
26.74%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
3
Industry P/E
Price to Book Value
0.54
EV to EBIT
15.58
EV to EBITDA
15.05
EV to Capital Employed
0.81
EV to Sales
3.85
PEG Ratio
0.04
Dividend Yield
0.85%
ROCE (Latest)
5.22%
ROE (Latest)
16.14%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
Bearish
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NET PROFIT(HY)
At AED 444.25 MM has Grown at 114.53%
ROCE(HY)
Highest at 1.54%
NII(Q)
Highest at AED 214.66 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 102.04%
NET SALES(Q)
Highest at AED 633.52 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 1.54%
Here's what is working for Bank of Sharjah PSC
NII
Highest at AED 214.66 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Net Profit
At AED 444.25 MM has Grown at 114.53%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
Net Sales
Highest at AED 633.52 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Credit Deposit Ratio
Highest at 102.04%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 16.77%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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