ScoreWhy is Capital Bank of Jordan ?
1
Poor Management Efficiency with a low ROA of 1,605.38%
- The bank has been able to generate a Return on Assets (avg) of 1,605.38% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 207.62% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 9.44%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 207.62% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 1,605.38% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 9.44%
4
Flat results in Jun 26
- GROSS NPA (%)(Q) Highest at 7.84%
- NET SALES(Q) Lowest at JOD 123.89 MM
5
With ROA of 1.03%, it has a fair valuation with a 0.96 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 20.78%, its profits have risen by 12.6% ; the PEG ratio of the company is 0.5
- At the current price, the company has a high dividend yield of 6.1
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Capital 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 Capital Bank of Jordan for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Capital Bank of Jordan
20.78%
2.01
20.34%
Jordan General Index
35.02%
3.61
9.69%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
29.93%
EBIT Growth (5y)
38.48%
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
34.33%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.96
EV to EBIT
2.11
EV to EBITDA
1.75
EV to Capital Employed
0.92
EV to Sales
0.77
PEG Ratio
0.46
Dividend Yield
6.07%
ROCE (Latest)
43.66%
ROE (Latest)
16.35%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
OPERATING CASH FLOW(Y)
Highest at JOD 669.35 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 84.39%
-3What is not working for the Company
GROSS NPA (%)
(Q
NET SALES(Q)
Lowest at JOD 123.89 MM
Here's what is working for Capital Bank of Jordan
Operating Cash Flow
Highest at JOD 669.35 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (JOD MM)
Credit Deposit Ratio
Highest at 84.39%
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 (%)
Here's what is not working for Capital Bank of Jordan
Non Performing Loans (%)
Highest at 7.84%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Net Sales
Lowest at JOD 123.89 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (JOD MM)
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