ScoreWhy is Safwa Islamic Bank ?
1
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 Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 19.18%
- 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
2
The company has declared Positive results for the last 6 consecutive quarters
- ROCE(HY) Highest at 0.67%
- OPERATING PROFIT(Q) Highest at JOD 40.09 MM
- OPERATING PROFIT MARGIN(Q) Highest at 73.71 %
3
With ROA of 0.53%, it has a fair valuation with a 1.48 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 93.42%, its profits have risen by 30.4% ; the PEG ratio of the company is 0.5
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?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Safwa Islamic Bank
90.13%
1.79
27.91%
Jordan General Index
41.13%
4.48
9.22%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
52.98%
EBIT Growth (5y)
70.01%
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
14
Industry P/E
Price to Book Value
1.48
EV to EBIT
1.03
EV to EBITDA
0.99
EV to Capital Employed
3.26
EV to Sales
0.73
PEG Ratio
0.47
Dividend Yield
NA
ROCE (Latest)
317.03%
ROE (Latest)
10.39%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
ROCE(HY)
Highest at 0.67%
OPERATING PROFIT(Q)
Highest at JOD 40.09 MM
OPERATING PROFIT MARGIN(Q)
Highest at 73.71 %
-2What is not working for the Company
ROCE(HY)
Lowest at 0.67%
Here's what is working for Safwa Islamic Bank
Operating Profit
Highest at JOD 40.09 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JOD MM)
Operating Profit Margin
Highest at 73.71 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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