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 4.52%
- 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 4.52%
3
The company declared negative results in Mar'25 after flat results in Dec'24
- CREDIT DEPOSIT RATIO(HY) Lowest at 85.55%
4
With ROA of 0.60%, it has a fair valuation with a 0.88 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 31.96%, its profits have fallen by -9.2%
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, Medium Return
Absolute
Risk Adjusted
Volatility
Jordan Commercial Bank
31.96%
1.01
37.26%
Jordan General Index
41.13%
4.48
9.22%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.48%
EBIT Growth (5y)
14.08%
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
61.48%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
0.88
EV to EBIT
11.37
EV to EBITDA
8.82
EV to Capital Employed
0.88
EV to Sales
1.72
PEG Ratio
NA
Dividend Yield
0.48%
ROCE (Latest)
7.78%
ROE (Latest)
6.49%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
CASH AND EQV(HY)
Highest at JOD 221.27 MM
OPERATING PROFIT(Q)
Highest at JOD 7.82 MM
OPERATING PROFIT MARGIN(Q)
Highest at 34.07 %
PRE-TAX PROFIT(Q)
Highest at JOD 7.8 MM
NET PROFIT(Q)
Highest at JOD 4.68 MM
EPS(Q)
Highest at JOD 0.04
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 85.55%
Here's what is working for Jordan Commercial Bank
Operating Profit
Highest at JOD 7.82 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JOD MM)
Operating Profit Margin
Highest at 34.07 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at JOD 7.8 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JOD MM)
Pre-Tax Profit
At JOD 7.8 MM has Grown at 99.16%
over average net sales of the previous four periods of JOD 3.92 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JOD MM)
Net Profit
Highest at JOD 4.68 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JOD MM)
Net Profit
At JOD 4.68 MM has Grown at 78.53%
over average net sales of the previous four periods of JOD 2.62 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JOD MM)
EPS
Highest at JOD 0.04
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JOD)
Cash and Eqv
Highest at JOD 221.27 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at JOD 1.04 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JOD MM)
Here's what is not working for Jordan Commercial Bank
Credit Deposit Ratio
Lowest at 85.55%
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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