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
7.69%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.30%
EBIT Growth (5y)
5.41%
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
71.15%
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
0.89
EV to EBIT
4.18
EV to EBITDA
4.08
EV to Capital Employed
0.78
EV to Sales
2.33
PEG Ratio
10.36
Dividend Yield
6.87%
ROCE (Latest)
18.63%
ROE (Latest)
8.61%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bearish
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Highest at AED 5,624.23 MM
NET SALES(Q)
Highest at AED 283.15 MM
OPERATING PROFIT(Q)
Highest at AED 199.92 MM
OPERATING PROFIT MARGIN(Q)
Highest at 70.6 %
PRE-TAX PROFIT(Q)
Highest at AED 198.62 MM
NET PROFIT(Q)
Highest at AED 185.7 MM
EPS(Q)
Highest at AED 0.09
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED 535.2 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 107.28%
Here's what is working for National Bank of Umm Al-Qaiwain PSC
Non Performing Loans (%)
Lowest at 2.41% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
Highest at AED 283.15 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Operating Profit
Highest at AED 199.92 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 70.6 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 198.62 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (AED MM)
Net Profit
Highest at AED 185.7 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
EPS
Highest at AED 0.09
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (AED)
Cash and Eqv
Highest at AED 5,624.23 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
Operating Cash Flow
Lowest at AED 535.2 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (AED MM)
Credit Deposit Ratio
Lowest at 107.28%
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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