ScoreWhy is Safwa Islamic Bank ?
1
Poor Management Efficiency with a low ROA of 0.50%
- The bank has been able to generate a Return on Assets (avg) of 0.50% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 16.90% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 23.01%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 16.90% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.50% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 23.01%
4
Positive results in Jun 26
- OPERATING CASH FLOW(Y) Highest at JOD 308.79 MM
- ROCE(HY) Highest at 0.77%
- NET PROFIT(Q) Highest at JOD 8.32 MM
5
With ROA of 0.57%, it has a fair valuation with a 2.25 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 48.93%, its profits have risen by 46.2% ; the PEG ratio of the company is 1.1
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Safwa Islamic Bank 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 Safwa Islamic Bank for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Safwa Islamic Bank
50.0%
2.49
30.90%
Jordan General Index
35.02%
3.39
9.72%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
38.54%
EBIT Growth (5y)
71.08%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
2.25
EV to EBIT
2.02
EV to EBITDA
1.96
EV to Capital Employed
6.26
EV to Sales
1.58
PEG Ratio
1.06
Dividend Yield
NA
ROCE (Latest)
310.10%
ROE (Latest)
12.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
Bearish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at JOD 308.79 MM
ROCE(HY)
Highest at 0.77%
NET PROFIT(Q)
Highest at JOD 8.32 MM
NII(Q)
Highest at JOD 65.43 MM
NET SALES(Q)
Highest at JOD 66.02 MM
OPERATING PROFIT(Q)
Highest at JOD 52.34 MM
EPS(Q)
Highest at JOD 0.05
-6What is not working for the Company
INTEREST(9M)
At JOD 1.19 MM has Grown at 345.6%
ROCE(HY)
Lowest at 0.77%
Here's what is working for Safwa Islamic Bank
Net Profit
Highest at JOD 8.32 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (JOD MM)
NII
Highest at JOD 65.43 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JOD MM)
Operating Cash Flow
Highest at JOD 308.79 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (JOD MM)
Net Sales
Highest at JOD 66.02 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JOD MM)
Operating Profit
Highest at JOD 52.34 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JOD MM)
EPS
Highest at JOD 0.05
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JOD)
Depreciation
Highest at JOD 1.51 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 Safwa Islamic Bank
Interest
At JOD 1.19 MM has Grown at 345.6%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JOD MM)
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