ScoreWhy is The Housing Bank for Trade & Finance ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 16.74% 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 32.00%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 16.74% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.92% signifying low profitability per unit of total assets
2
Flat results in Dec 25
- ROCE(HY) Lowest at 1.66%
- NET SALES(Q) Lowest at JOD 145.33 MM
- NII(Q) Lowest at JOD 92.21 MM
3
With ROA of 1.15%, it has a fair valuation with a 0.98 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 16.58%, its profits have risen by 6.2% ; the PEG ratio of the company is 1.4
- At the current price, the company has a high dividend yield of 7.2
4
Underperformed the market in the last 1 year
- The stock has generated a return of 16.58% in the last 1 year, much lower than market (Jordan General Index) returns of 41.27%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Housing Bank for Trade & Finance 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 The Housing Bank for Trade & Finance for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Housing Bank for Trade & Finance
16.58%
1.47
19.32%
Jordan General Index
41.27%
4.23
9.76%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.72%
EBIT Growth (5y)
29.98%
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
61.01%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.98
EV to EBIT
8.75
EV to EBITDA
7.69
EV to Capital Employed
0.98
EV to Sales
3.03
PEG Ratio
1.43
Dividend Yield
7.18%
ROCE (Latest)
11.23%
ROE (Latest)
11.05%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
ROCE(HY)
Highest at 1.66%
OPERATING PROFIT MARGIN(Q)
Highest at 42.68 %
-6What is not working for the Company
ROCE(HY)
Lowest at 1.66%
NET SALES(Q)
Lowest at JOD 145.33 MM
NII(Q)
Lowest at JOD 92.21 MM
Here's what is working for The Housing Bank for Trade & Finance
Operating Profit Margin
Highest at 42.68 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
CASA
Highest at 18.3%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for The Housing Bank for Trade & Finance
Net Sales
Lowest at JOD 145.33 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (JOD MM)
NII
Lowest at JOD 92.21 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (JOD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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