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 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
2
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at JOD 279.65 MM
- ROCE(HY) Highest at 1.66%
- NII(Q) Highest at JOD 96.5 MM
3
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 32.08%, 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 6.1
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
29.87%
2.31
18.21%
Jordan General Index
46.42%
4.78
10.29%
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
11.22
EV to EBITDA
9.94
EV to Capital Employed
1.03
EV to Sales
4.15
PEG Ratio
1.96
Dividend Yield
6.12%
ROCE (Latest)
9.20%
ROE (Latest)
10.72%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at JOD 279.65 MM
ROCE(HY)
Highest at 1.66%
NII(Q)
Highest at JOD 96.5 MM
NET PROFIT(Q)
Highest at JOD 41.75 MM
EPS(Q)
Highest at JOD 0.13
-2What is not working for the Company
ROCE(HY)
Lowest at 1.66%
Here's what is working for The Housing Bank for Trade & Finance
NII
Highest at JOD 96.5 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 279.65 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (JOD MM)
Net Profit
Highest at JOD 41.75 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JOD MM)
EPS
Highest at JOD 0.13
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JOD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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