Abu Dhabi Commercial Bank PJSC (ADCB) Stock Overview
Provides banking products and services in the United Arab Emirates and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 2/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
ADCB Community Fair Values
Create NarrativeSee what 21 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Abu Dhabi Commercial Bank PJSC Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | د.إ14.36 |
| 52 Week High | د.إ16.60 |
| 52 Week Low | د.إ11.58 |
| Beta | 0.37 |
| 1 Month Change | -7.83% |
| 3 Month Change | 9.45% |
| 1 Year Change | -6.51% |
| 3 Year Change | 73.01% |
| 5 Year Change | 122.84% |
| Change since IPO | 628.53% |
Recent News & Updates
Narrative Update • Jun 26
ADCB: Upcoming Board Review And Higher Margin Outlook Will Support Upside Potential
Analysts have slightly reduced their price target for Abu Dhabi Commercial Bank PJSC to AED17.05 from AED17.67, citing updated assumptions around revenue growth, profit margins and future P/E levels. What's in the News Abu Dhabi Commercial Bank PJSC has scheduled a board meeting for April 23, 2026, at 06:00 Coordinated Universal Time, according to a company filing.Narrative Update • Jun 09
ADCB: Higher Margin Outlook And Upcoming Board Review Will Support Upside Potential
Analysts have slightly adjusted their price target for Abu Dhabi Commercial Bank PJSC to AED 17.67 from AED 17.73, reflecting updated assumptions around the discount rate, revenue growth, profit margin and forward P/E multiples. What's in the News A board meeting is scheduled for Apr 23, 2026, at 06:00 UTC to review Abu Dhabi Commercial Bank PJSC's financial results as of Mar 31, 2026.Narrative Update • May 26
ADCB: Higher Margin Outlook Will Support Future Upside Potential
Abu Dhabi Commercial Bank PJSC's analyst price target has been adjusted slightly, with fair value moving from AED17.75 to AED17.73 as analysts factor in updated assumptions around discount rates, revenue growth, profit margins, and future P/E expectations. What's in the News A board meeting is scheduled for April 23, 2026, at 06:00 Coordinated Universal Time to review Abu Dhabi Commercial Bank PJSC's financial results as of March 31, 2026, and address other general matters (Key Developments).Narrative Update • May 03
ADCB: Higher Margin Outlook Will Support Future Upside Potential
Analysts have made a small upward adjustment to Abu Dhabi Commercial Bank PJSC's price target to AED 17.75, reflecting updated assumptions for revenue growth, profit margins, the discount rate, and the future P/E. What's in the News Board meeting scheduled for April 23, 2026 at 06:00 Coordinated Universal Time to review financial results as of March 31, 2026 and consider other general matters (company announcement).Recent updates
Narrative Update • Jun 26
ADCB: Upcoming Board Review And Higher Margin Outlook Will Support Upside Potential
Analysts have slightly reduced their price target for Abu Dhabi Commercial Bank PJSC to AED17.05 from AED17.67, citing updated assumptions around revenue growth, profit margins and future P/E levels. What's in the News Abu Dhabi Commercial Bank PJSC has scheduled a board meeting for April 23, 2026, at 06:00 Coordinated Universal Time, according to a company filing.Narrative Update • Jun 09
ADCB: Higher Margin Outlook And Upcoming Board Review Will Support Upside Potential
Analysts have slightly adjusted their price target for Abu Dhabi Commercial Bank PJSC to AED 17.67 from AED 17.73, reflecting updated assumptions around the discount rate, revenue growth, profit margin and forward P/E multiples. What's in the News A board meeting is scheduled for Apr 23, 2026, at 06:00 UTC to review Abu Dhabi Commercial Bank PJSC's financial results as of Mar 31, 2026.Narrative Update • May 26
ADCB: Higher Margin Outlook Will Support Future Upside Potential
Abu Dhabi Commercial Bank PJSC's analyst price target has been adjusted slightly, with fair value moving from AED17.75 to AED17.73 as analysts factor in updated assumptions around discount rates, revenue growth, profit margins, and future P/E expectations. What's in the News A board meeting is scheduled for April 23, 2026, at 06:00 Coordinated Universal Time to review Abu Dhabi Commercial Bank PJSC's financial results as of March 31, 2026, and address other general matters (Key Developments).Narrative Update • May 03
ADCB: Higher Margin Outlook Will Support Future Upside Potential
Analysts have made a small upward adjustment to Abu Dhabi Commercial Bank PJSC's price target to AED 17.75, reflecting updated assumptions for revenue growth, profit margins, the discount rate, and the future P/E. What's in the News Board meeting scheduled for April 23, 2026 at 06:00 Coordinated Universal Time to review financial results as of March 31, 2026 and consider other general matters (company announcement).Narrative Update • Apr 19
ADCB: Upcoming Dividend Will Support Future Upside Potential
Analysts have reduced their price target on Abu Dhabi Commercial Bank PJSC by AED 0.45 to reflect updated assumptions for revenue growth, profit margins and future P/E expectations, while keeping the overall earnings profile broadly consistent. What's in the News Board meeting scheduled for April 23, 2026 at 06:00 UTC to review financial results as of March 31, 2026 and address other general matters (Key Developments).Narrative Update • Apr 04
ADCB: Upcoming Dividend And Board Decisions Will Support Future Upside Potential
Analysts have trimmed their price target for Abu Dhabi Commercial Bank PJSC slightly to around AED 18.19 from about AED 18.25, reflecting updated assumptions on the discount rate, revenue growth, profit margin, and future P/E. The core valuation view remains broadly unchanged.Narrative Update • Mar 21
ADCB: Upcoming Dividend Will Support Future Upside Potential
Analysts have slightly reduced their price target for Abu Dhabi Commercial Bank PJSC to AED 18.25 from about AED 18.53, reflecting updated assumptions for fair value, revenue growth, profit margins and future P/E levels. What's in the News Annual dividend of AED 0.6300 per share announced, with ex-date on March 12, 2026, record date on March 13, 2026, and payment on March 27, 2026 (Key Developments).Narrative Update • Mar 07
ADCB: Upcoming Dividend And Shareholder Meetings Will Support Future Upside
Analysts have adjusted their price target for Abu Dhabi Commercial Bank PJSC slightly higher to AED 18.53 from AED 18.39, reflecting updated assumptions around the discount rate, fair value and expected future P/E multiples, while keeping revenue growth and profit margin estimates broadly unchanged. What's in the News A board meeting is scheduled for January 29, 2026 at 10:00 Coordinated Universal Time to review 2025 year-end financial results, consider a proposed 2025 dividend, set the date and agenda for the 2026 annual general assembly, and address other general matters (Key Developments).Narrative Update • Feb 20
ADCB: Dividend And Follow On Equity Offering Will Support Future Upside
Analysts have nudged their price target for Abu Dhabi Commercial Bank PJSC higher from AED 18.03 to AED 18.39, reflecting updated assumptions around revenue growth, profit margins, and a slightly lower future P/E multiple. What's in the News Board meeting scheduled for January 29, 2026, to review financial results as of December 31, 2025; consider the proposed 2025 dividend; set the proposed date and agenda for the 2026 annual general assembly; and address other general matters (Key Developments).Narrative Update • Feb 05
ADCB: Follow On Equity Offering And Dividend Outlook Will Support Future Upside
Analysts have made a small upward adjustment to their price target for Abu Dhabi Commercial Bank PJSC to AED 18.03, from AED 17.95, based on updated assessments of fair value, discount rate, revenue, profit margins, and future P/E assumptions. What's in the News Abu Dhabi Commercial Bank PJSC announced an annual dividend of AED 0.6300 per share, with payment scheduled for March 27, 2026, an ex-date on March 12, 2026, and a record date on March 13, 2026 (Key Developments).Analysis Article • Feb 01
Abu Dhabi Commercial Bank PJSC (ADX:ADCB) Has Announced That It Will Be Increasing Its Dividend To AED0.63
Abu Dhabi Commercial Bank PJSC's ( ADX:ADCB ) dividend will be increasing from last year's payment of the same period...Narrative Update • Jan 21
ADCB: Follow On Equity Offering Will Support Future Upside Potential
Analysts have made a small upward adjustment to their price target for Abu Dhabi Commercial Bank PJSC to AED 17.95 from AED 17.90, reflecting updated assumptions around slightly higher revenue, a modest change in profit margin expectations and a marginally lower future P/E multiple. What's in the News Abu Dhabi Commercial Bank PJSC completed a follow on equity offering totaling AED 6.099956b in new capital (Key Developments).Narrative Update • Jan 07
ADCB: Share Capital Increase Will Support Future Upside Potential
Analysts have trimmed their fair value estimate for Abu Dhabi Commercial Bank PJSC slightly to AED 17.90. This reflects updated assumptions around discount rates, profit margins and a higher future P/E multiple.Narrative Update • Dec 20
ADCB: Share Capital Increase And AI Shift Will Drive Future Upside
Analysts have nudged their price target for Abu Dhabi Commercial Bank PJSC slightly higher to reflect modest improvements in fair value estimates, revenue growth expectations, profit margins, and the bank's prospective valuation multiple. What's in the News Board meeting scheduled for October 27, 2025, to review financial results as of September 30, 2025, and to discuss updates on the bank's AI transformation strategy (Key Developments) Shareholders approved an amendment to Article 6 of the Articles of Association at the October 13, 2025 General Assembly, reflecting an increase in share capital (Key Developments) Special and Extraordinary Shareholders Meeting held on October 13, 2025, at 17:00 Arabian Standard Time to address key corporate matters (Key Developments) Valuation Changes The fair value estimate has risen slightly from AED 17.84 to AED 17.92 per share, reflecting a modest upward revision in intrinsic valuation.Narrative Update • Dec 06
ADCB: Share Capital Increase Will Support Future Earnings And AI Transformation
Analysts have modestly raised their price target on Abu Dhabi Commercial Bank PJSC to AED 17.84 from AED 17.67, reflecting slightly stronger expectations for revenue growth and a marginally higher future P/E multiple, partly offset by a small reduction in projected profit margins. What's in the News Filed a follow-on equity offering of approximately AED 6.1 billion, comprising 592,228,700 ordinary shares at an offer price of AED 10.3 per share, structured as a Regulation S rights issue (Key Developments) Called a General Assembly meeting for October 10, 2025, to propose amendments to Article 6 of the Articles of Association to reflect a planned share capital increase (Key Developments) Extraordinary Shareholders Meeting scheduled for October 13, 2025, at 17:00 Arabian Standard Time to vote on key corporate actions, including capital structure changes (Key Developments) General Assembly on October 13, 2025, approved an amendment to Article 6 of the Articles of Association, formally reflecting the share capital increase (Key Developments) Board meeting set for October 27, 2025, at 06:00 Coordinated Universal Time to review financial results as of September 30, 2025, and receive updates on the bank's AI transformation strategy (Key Developments) Valuation Changes The Fair Value Estimate has risen slightly to AED 17.84 from AED 17.67, indicating a modest uplift in the intrinsic value assessment.Narrative Update • Nov 21
ADCB: Share Capital Increase And AI Transformation Will Support Future Earnings
Analysts have slightly lowered their price target for Abu Dhabi Commercial Bank PJSC to AED 17.67 from AED 17.76. This change is due to minor adjustments in revenue growth expectations, discount rate, and profit margin forecasts.Narrative Update • Nov 07
ADCB: Profit Margins Will Drive Forward Earnings After Share Capital Increase
Analysts have raised their price target for Abu Dhabi Commercial Bank PJSC from AED 16.74 to AED 17.76. They cite improved profit margins and incremental adjustments to financial forecasts as key drivers for the revision.Narrative Update • Oct 24
AI Transformation And Capital Raise Will Drive Profitable Expansion Ahead
Analysts have raised their price target for Abu Dhabi Commercial Bank PJSC slightly, increasing it from AED 16.69 to AED 16.74. This adjustment is based on modest improvements in revenue growth projections and a stable profit margin outlook.Narrative Update • Oct 10
AI And International Expansion Will Strengthen UAE Bank's Future
Abu Dhabi Commercial Bank PJSC's analyst price target has slightly decreased from AED 17.03 to AED 16.69. Analysts cite modest adjustments in discount rates and forward earnings multiples, even though a projected improvement in profit margin and revenue growth is expected.Narrative Update • Sep 20
AI And International Expansion Will Strengthen UAE Bank's Future
With both the Future P/E and Discount Rate essentially unchanged, valuation metrics for Abu Dhabi Commercial Bank PJSC remain stable, resulting in only a minimal decrease in the consensus price target from AED17.20 to AED17.03. What's in the News Proposed amendment to Article (6) of the Articles of Association to reflect planned share capital increase to be discussed at the upcoming General Assembly.Narrative Update • Sep 05
AI And International Expansion Will Strengthen UAE Bank's Future
With both the Future P/E (16.44x to 16.37x) and the Discount Rate (20.32% to 20.33%) showing negligible movement, there is no material change in valuation drivers, resulting in an unchanged consensus price target of AED17.20 for Abu Dhabi Commercial Bank PJSC. What's in the News Upcoming board meeting scheduled to evaluate the bank's progress against its strategy and discuss general business matters.
New Narrative • Feb 02
AI And International Expansion Will Strengthen UAE Bank's Future
ADCB's growth strategy emphasizes doubling net profits, enhancing non-interest income, and international expansion, potentially boosting revenue and earnings.Shareholder Returns
| ADCB | AE Banks | AE Market | |
|---|---|---|---|
| 7D | -2.3% | -2.0% | -1.4% |
| 1Y | -6.5% | -1.7% | -6.8% |
Return vs Industry: ADCB underperformed the AE Banks industry which returned -1.7% over the past year.
Return vs Market: ADCB matched the AE Market which returned -6.8% over the past year.
Price Volatility
| ADCB volatility | |
|---|---|
| ADCB Average Weekly Movement | 4.8% |
| Banks Industry Average Movement | 3.6% |
| Market Average Movement | 4.1% |
| 10% most volatile stocks in AE Market | 6.7% |
| 10% least volatile stocks in AE Market | 2.6% |
Stable Share Price: ADCB has not had significant price volatility in the past 3 months compared to the AE market.
Volatility Over Time: ADCB's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1985 | n/a | Saeed Hamad Al Mazrouei | www.adcb.com |
Abu Dhabi Commercial Bank PJSC, together with its subsidiaries, provides banking products and services in the United Arab Emirates and internationally. The company operates in five segments: Retail Banking, Private Banking, Corporate and Investment Banking, Investments and Treasury, and others. It offers current, savings, call, Islamic deposit, business, and money transfer accounts; debit, credit, and corporate cards; auto, car, home, business, and personal loans; and safe deposit lockers.
Abu Dhabi Commercial Bank PJSC Fundamentals Summary
| ADCB fundamental statistics | |
|---|---|
| Market cap | د.إ112.27b |
| Earnings (TTM) | د.إ11.74b |
| Revenue (TTM) | د.إ20.01b |
9.7x
P/E Ratio1.3x
P/B RatioIs ADCB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ADCB income statement (TTM) | |
|---|---|
| Revenue | د.إ20.01b |
| Cost of Revenue | د.إ0 |
| Gross Profit | د.إ20.01b |
| Other Expenses | د.إ8.27b |
| Earnings | د.إ11.74b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.49 |
| Gross Margin | 100.00% |
| Net Profit Margin | 58.67% |
| Debt/Equity Ratio | 165.7% |
How did ADCB perform over the long term?
See historical performance and comparisonDividends
4.4%
Current Dividend Yield41%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/17 11:24 |
| End of Day Share Price | 2026/07/17 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Abu Dhabi Commercial Bank PJSC is covered by 27 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Ranya Gnaba | AlphaMena |
| Jaap Meijer | Arqaam Capital Research Offshore S.A.L. |
| Monette Doss | Beltone Financial |