Commercial Bank International PSC (CBI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Emirates NBD Bank PJSC

Sharjah Islamic Bank

National Bank of Fujairah PJSC

Commercial Bank of Dubai

Emirates Islamic Bank PJSC

Abu Dhabi Commercial Bank

Ajman Bank PJSC

Commercial Bank International PSC

Dubai Islamic Bank PJSC

Al Salam Bank Sudan

Why is Commercial Bank International PSC ?

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

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

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 Report

Verdict Report

How 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 Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

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

2.2%

1.13

8.08%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

6.95%

EBIT Growth (5y)

7.08%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.52

EV to EBIT

9.66

EV to EBITDA

8.27

EV to Capital Employed

0.56

EV to Sales

1.71

PEG Ratio

3.60

Dividend Yield

ROCE (Latest)

5.83%

ROE (Latest)

8.17%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

16What is working for the Company

OPERATING CASH FLOW(Y)

Highest at AED 677.33 MM

ROCE(HY)

Highest at 1.03%

OPERATING PROFIT(Q)

Highest at AED 96.78 MM

OPERATING PROFIT MARGIN(Q)

Highest at 38.41 %

PRE-TAX PROFIT(Q)

Highest at AED 208.69 MM

NET PROFIT(Q)

Highest at AED 121.74 MM

EPS(Q)

Highest at AED 0.07

-3What is not working for the Company

ROCE(HY)

Lowest at 1.03%

CREDIT DEPOSIT RATIO(HY)

Lowest at 94.74%

Here's what is working for Commercial Bank International PSC

Pre-Tax Profit

At AED 208.69 MM has Grown at 983.57%

over average net sales of the previous four periods of AED 19.26 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (AED MM)

Net Profit

At AED 121.74 MM has Grown at 587.41%

over average net sales of the previous four periods of AED 17.71 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (AED MM)

Operating Cash Flow

Highest at AED 677.33 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (AED MM)

Operating Profit

Highest at AED 96.78 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (AED MM)

Operating Profit Margin

Highest at 38.41 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at AED 208.69 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (AED MM)

Net Profit

Highest at AED 121.74 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (AED MM)

EPS

Highest at AED 0.07

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (AED)

Here's what is not working for Commercial Bank International PSC

Credit Deposit Ratio

Lowest at 94.74%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Capital Adequacy Ratio

Lowest at 16.03%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)