ScoreWhy is The Housing Bank for Trade & Finance ?
1
Poor Management Efficiency with a low ROA of 0.92%
- The bank has been able to generate a Return on Assets (avg) of 0.92% signifying low profitability per unit of total assets
2
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 27.65%
- 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
3
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 27.65%
4
Positive results in Jun 26
- OPERATING CASH FLOW(Y) Highest at JOD 296.26 MM
5
With ROA of 1.17%, it has a attractive valuation with a 1.05 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 26.42%, its profits have risen by 5% ; the PEG ratio of the company is 2
- At the current price, the company has a high dividend yield of 6.2
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, Medium Return
Absolute
Risk Adjusted
Volatility
The Housing Bank for Trade & Finance
26.42%
2.37
17.52%
Jordan General Index
37.55%
3.71
10.12%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.54%
EBIT Growth (5y)
25.96%
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
10
Industry P/E
Price to Book Value
1.05
EV to EBIT
11.18
EV to EBITDA
9.90
EV to Capital Employed
1.03
EV to Sales
4.14
PEG Ratio
1.95
Dividend Yield
6.16%
ROCE (Latest)
9.20%
ROE (Latest)
10.72%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
OPERATING CASH FLOW(Y)
Highest at JOD 296.26 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for The Housing Bank for Trade & Finance
Operating Cash Flow
Highest at JOD 296.26 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (JOD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
