ScoreWhy is National Bank of Umm Al-Qaiwain PSC ?
1
Strong Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 41.78%
- The bank has been able to generate a Return on Assets (avg) of 2.01% signifying high profitability per unit of total assets
2
Positive results in Mar 25
- GROSS NPA (%)(Q) Lowest at 2.41%
- CASH AND EQV(HY) Highest at AED 5,624.23 MM
- NET SALES(Q) Highest at AED 283.15 MM
3
With ROA of 2.08%, it has a expensive valuation with a 0.77 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 30.67%, its profits have risen by 1% ; the PEG ratio of the company is 9
4
Market Beating performance in long term as well as near term
- Along with generating 30.67% returns in the last 1 year, the stock has outperformed Abu Dhabi Securities Exchange in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to National Bank of Umm Al-Qaiwain PSC 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 National Bank of Umm Al-Qaiwain PSC for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
National Bank of Umm Al-Qaiwain PSC
-100.0%
1.45
33.52%
Abu Dhabi Securities Exchange
-1.41%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.70%
EBIT Growth (5y)
24.99%
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
68.87%
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
0.93
EV to EBIT
4.23
EV to EBITDA
4.12
EV to Capital Employed
0.85
EV to Sales
2.50
PEG Ratio
0.68
Dividend Yield
6.90%
ROCE (Latest)
20.15%
ROE (Latest)
9.29%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
NII(Q)
Highest at AED 213.39 MM
CASH AND EQV(HY)
Highest at AED 6,004.9 MM
NET SALES(Q)
Highest at AED 305.97 MM
-2What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 98.81%
Here's what is working for National Bank of Umm Al-Qaiwain PSC
NII
Highest at AED 213.39 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Net Sales
Highest at AED 305.97 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Cash and Eqv
Highest at AED 6,004.9 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for National Bank of Umm Al-Qaiwain PSC
Credit Deposit Ratio
Lowest at 98.81% and Fallen
In each half year 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 (%)
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