ScoreWhy is Cairo Amman Bank ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 29.88% 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 8.18%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 29.88% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.53% 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 8.18%
3
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at JOD 5.83 MM
- CASH AND EQV(HY) Lowest at JOD 383.63 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 0%
4
With ROA of 0.44%, it has a fair valuation with a 0.57 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 29.52%, its profits have fallen by -1.5%
- At the current price, the company has a high dividend yield of 4.1
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Cairo Amman Bank should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Cairo Amman Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Cairo Amman Bank
29.52%
0.56
22.20%
Jordan General Index
41.27%
4.23
9.76%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.37%
EBIT Growth (5y)
8.01%
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
51.40%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.57
EV to EBIT
23.15
EV to EBITDA
17.87
EV to Capital Employed
0.76
EV to Sales
2.66
PEG Ratio
NA
Dividend Yield
4.10%
ROCE (Latest)
3.26%
ROE (Latest)
4.86%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NII(Q)
Highest at JOD 63.99 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 199.43%
NET PROFIT(9M)
Higher at JOD 19.99 MM
NET SALES(Q)
Highest at JOD 88.1 MM
OPERATING PROFIT(Q)
Highest at JOD 88.44 MM
OPERATING PROFIT MARGIN(Q)
Highest at 100.39 %
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at JOD 5.83 MM
CASH AND EQV(HY)
Lowest at JOD 383.63 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 0%
EPS(Q)
Lowest at JOD 0
Here's what is working for Cairo Amman Bank
Net Sales
At JOD 88.1 MM has Grown at 46.98%
over average net sales of the previous four periods of JOD 59.94 MMMOJO Watch
Near term sales trend is very positive
Net Sales (JOD MM)
NII
Highest at JOD 63.99 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JOD MM)
Net Sales
Highest at JOD 88.1 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JOD MM)
Operating Profit
Highest at JOD 88.44 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JOD MM)
Operating Profit Margin
Highest at 100.39 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Higher at JOD 19.99 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (JOD MM)
Dividend Payout Ratio
Highest at 199.43%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Cairo Amman Bank
Operating Cash Flow
Lowest at JOD 5.83 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)
EPS
Lowest at JOD 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JOD)
Cash and Eqv
Lowest at JOD 383.63 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 0%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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