ScoreWhy is Jordan Commercial Bank ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 31.39% 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 17.63%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 31.39% 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 17.63%
3
Flat results in Mar 26
- OPERATING CASH FLOW(Y) Lowest at JOD 13.37 MM
- ROCE(HY) Lowest at 1.05%
- PRE-TAX PROFIT(Q) At JOD 3.55 MM has Fallen at -36.11%
4
With ROA of 0.78%, it has a very attractive valuation with a 0.90 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 34.98%, its profits have risen by 52.2% ; the PEG ratio of the company is 0.2
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Jordan Commercial 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 Jordan Commercial Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Jordan Commercial Bank
32.9%
1.10
36.20%
Jordan General Index
46.42%
4.78
10.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.81%
EBIT Growth (5y)
25.85%
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
60.82%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.90
EV to EBIT
11.40
EV to EBITDA
9.46
EV to Capital Employed
0.93
EV to Sales
2.52
PEG Ratio
0.20
Dividend Yield
5.13%
ROCE (Latest)
8.17%
ROE (Latest)
8.81%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
ROCE(HY)
Highest at 1.05%
NET SALES(Q)
Highest at JOD 23.57 MM
NII(Q)
Highest at JOD 12.81 MM
NET PROFIT(9M)
Higher at JOD 11.29 MM
-7What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at JOD 13.37 MM
ROCE(HY)
Lowest at 1.05%
PRE-TAX PROFIT(Q)
At JOD 3.55 MM has Fallen at -36.11%
NET PROFIT(Q)
At JOD 2.3 MM has Fallen at -35.65%
Here's what is working for Jordan Commercial Bank
Net Sales
Highest at JOD 23.57 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JOD MM)
NII
Highest at JOD 12.81 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JOD MM)
Here's what is not working for Jordan Commercial Bank
Operating Cash Flow
Lowest at JOD 13.37 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)
Pre-Tax Profit
At JOD 3.55 MM has Fallen at -36.11%
over average net sales of the previous four periods of JOD 5.55 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JOD MM)
Net Profit
At JOD 2.3 MM has Fallen at -35.65%
over average net sales of the previous four periods of JOD 3.58 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (JOD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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