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Samba Bank Ltd.

  • Market Cap: Small Cap
  • Industry: Major Banks
  • ISIN: PK0079401011
PKR
9.98
0.4 (4.18%)

Jun 13

KAR

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Askari Bank Ltd.
National Bank of Pakistan
Habib Metropolitan Bank Ltd.
Jahangir Siddiqui & Co. Ltd.
Habib Bank Ltd.
Allied Bank Ltd.
Samba Bank Ltd.
The Bank of Punjab
BankIslami Pakistan Ltd.
Standard Chartered Bank (Pakistan) Ltd.
Bank Makramah Ltd.
Why is Samba Bank Ltd. ?
1
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 0.40%
2
With a fall in Interest of NAN%, the company declared Very Negative results in Mar 25
  • The company has declared negative results for the last 3 consecutive quarters
  • The company has declared negative results in Sep 24 after 5 consecutive negative quarters
  • OPERATING CASH FLOW(Y) Lowest at PKR 1,380.86 MM
  • NET SALES(Q) Lowest at PKR 5,548.19
  • GROSS NPA (%)(Q) Highest at 29.5%
3
With ROE of 4, it has a expensive valuation with a 0.6 Price to Book Value
  • Over the past year, while the stock has generated a return of 0%, its profits have fallen by -43%
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Samba Bank Ltd. for you?

High Risk, Low Return

Absolute
Risk Adjusted
Volatility
Samba Bank Ltd.
-9.27%
-0.10
62.66%
Pakistan KSE 100 Share
60.28%
2.81
22.77%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
17.50%
EBIT Growth (5y)
4.90%
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
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
0.67
EV to EBIT
57.36
EV to EBITDA
36.25
EV to Capital Employed
0.92
EV to Sales
2.21
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
1.60%
ROE (Latest)
3.97%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

0What is working for the Company
Icon
NO KEY POSITIVE TRIGGERS
-22What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at PKR 1,380.86 MM

NET SALES(Q)

Lowest at PKR 5,548.19 MM

GROSS NPA (%)

(Q

NII(Q)

Lowest at PKR 1,576.09 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 62.05%

PRE-TAX PROFIT(Q)

Fallen at -49.39%

NET PROFIT(Q)

Fallen at -53.48%

Here's what is working for Samba Bank Ltd.
Depreciation
Highest at PKR 191.48 MM
in the last five periods
MOJO Watch
The expenditure on assets done by the company may have gone into operation

Depreciation (PKR MM)

Here's what is not working for Samba Bank Ltd.
Operating Cash Flow
Lowest at PKR 1,380.86 MM and Fallen
In each year in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (PKR MM)

Net Sales
Lowest at PKR 5,548.19 MM and Fallen
In each period in the last five periods
MOJO Watch
Near term sales trend is very negative

Net Sales (PKR MM)

Non Performing Loans (%)
Highest at 29.5%
in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

NII
Lowest at PKR 1,576.09 MM
in the last five periods
MOJO Watch
The bank's income from core business is falling

NII (PKR MM)

Net Sales
Fallen at -26.94%
Year on Year (YoY)
MOJO Watch
Near term sales trend is negative

Net Sales (PKR MM)

Pre-Tax Profit
Fallen at -49.39%
Year on Year (YoY)
MOJO Watch
Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (PKR MM)

Net Profit
Fallen at -53.48%
Year on Year (YoY)
MOJO Watch
Near term Net Profit trend is negative

Net Profit (PKR MM)

Credit Deposit Ratio
Lowest at 62.05%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

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