ScoreWhy is Commercial Bank International PSC ?
1
Flat results in Jun 25
- NET PROFIT(9M) At AED 55.79 MM has Grown at -55.76%
- ROCE(HY) Lowest at 1.01%
- NET SALES(Q) Lowest at AED 240.25 MM
2
With ROA of 0.94%, it has a fair valuation with a 0.54 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 11.67%, its profits have risen by 40% ; the PEG ratio of the company is 0.2
3
Consistent Returns over the last 3 years
- Along with generating 11.67% 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 hold?
- Overall Portfolio exposure to Commercial Bank International PSC 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 Commercial Bank International PSC for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Commercial Bank International PSC
-100.0%
1.33
47.43%
Abu Dhabi Securities Exchange
-1.29%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.89%
EBIT Growth (5y)
19.86%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
0.56
EV to EBIT
11.54
EV to EBITDA
10.29
EV to Capital Employed
0.70
EV to Sales
2.82
PEG Ratio
3.42
Dividend Yield
NA
ROCE (Latest)
6.04%
ROE (Latest)
8.25%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bearish
Bollinger Bands
Sideways
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 1.28%
CREDIT DEPOSIT RATIO(HY)
Highest at 101.89%
NET SALES(Q)
Highest at AED 259 MM
OPERATING PROFIT(Q)
Highest at AED 106.31 MM
OPERATING PROFIT MARGIN(Q)
Highest at 41.05 %
NET PROFIT(Q)
At AED 94.86 MM has Grown at 67.15%
-3What is not working for the Company
ROCE(HY)
Lowest at 1.28%
CASH AND EQV(HY)
Lowest at AED 2,372.43 MM
Here's what is working for Commercial Bank International PSC
Net Sales
Highest at AED 259 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Operating Profit
Highest at AED 106.31 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 41.05 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
At AED 94.86 MM has Grown at 67.15%
over average net sales of the previous four periods of AED 56.75 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
Credit Deposit Ratio
Highest at 101.89%
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 Commercial Bank International PSC
Cash and Eqv
Lowest at AED 2,372.43 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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