Announcement • Apr 25
Commercial Bank International P.J.S.C. to Report Q1, 2026 Results on Apr 30, 2026 Commercial Bank International P.J.S.C. announced that they will report Q1, 2026 results on Apr 30, 2026 Announcement • Feb 06
Commercial Bank International P.J.S.C., Annual General Meeting, Mar 02, 2026 Commercial Bank International P.J.S.C., Annual General Meeting, Mar 02, 2026, at 11:00 Arabian Standard Time. Location: anantara hotel ras al khaimah, ras al khaimah United Arab Emirates Reported Earnings • Jan 28
Full year 2025 earnings released: EPS: د.إ0.13 (vs د.إ0.10 in FY 2024) Full year 2025 results: EPS: د.إ0.13 (up from د.إ0.10 in FY 2024). Revenue: د.إ722.8m (up 20% from FY 2024). Net income: د.إ221.1m (up 27% from FY 2024). Profit margin: 31% (up from 29% in FY 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 5% per year. Announcement • Jan 08
Commercial Bank International P.J.S.C. to Report Fiscal Year 2025 Results on Jan 13, 2026 Commercial Bank International P.J.S.C. announced that they will report fiscal year 2025 results at 10:00 AM, Arabian Standard Time on Jan 13, 2026 Reported Earnings • Nov 17
Third quarter 2025 earnings released: EPS: د.إ0.008 (vs د.إ0.086 in 3Q 2024) Third quarter 2025 results: EPS: د.إ0.008 (down from د.إ0.086 in 3Q 2024). Revenue: د.إ118.1m (down 57% from 3Q 2024). Net income: د.إ15.1m (down 90% from 3Q 2024). Profit margin: 13% (down from 55% in 3Q 2024). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings. New Risk • Sep 25
New major risk - Share price stability The company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Emirian stocks, typically moving 7.3% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. This is currently the only risk that has been identified for the company. Price Target Changed • Aug 20
Price target increased by 31% to د.إ1.05 Up from د.إ0.80, the current price target is provided by 1 analyst. New target price is approximately in line with last closing price of د.إ1.10. Stock is up 17% over the past year. The company posted earnings per share of د.إ0.10 last year. New Risk • Jul 29
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Emirian stocks, typically moving 5.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company. Valuation Update With 7 Day Price Move • Jul 29
Investor sentiment improves as stock rises 20% After last week's 20% share price gain to د.إ1.20, the stock trades at a trailing P/E ratio of 11.6x. Average forward P/E is 11x in the Banks industry in United Arab Emirates. Total returns to shareholders of 9.1% over the past three years. Reported Earnings • May 02
First quarter 2025 earnings released: EPS: د.إ0.024 (vs د.إ0.021 in 1Q 2024) First quarter 2025 results: EPS: د.إ0.024 (up from د.إ0.021 in 1Q 2024). Revenue: د.إ139.5m (up 10% from 1Q 2024). Net income: د.إ41.7m (up 16% from 1Q 2024). Profit margin: 30% (up from 28% in 1Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has fallen by 11% per year, which means it is performing significantly worse than earnings. Announcement • Mar 26
Commercial Bank International P.S.C. Announces Resignation of Tawfiq Adnan Zuwayyed as Senior Vice President and Head of Legal Commercial Bank International P.S.C. announced that Mr. Tawfiq Adnan Zuwayyed - SVP - Head of Legal has resigned from Commercial Bank International. A new replacement will be announced upon appointment. Announcement • Jan 07
Commercial Bank International P.S.C. to Report Fiscal Year 2024 Results on Jan 21, 2025 Commercial Bank International P.S.C. announced that they will report fiscal year 2024 results on Jan 21, 2025 New Risk • Dec 13
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Emirian stocks, typically moving 5.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company. Reported Earnings • Oct 25
Third quarter 2024 earnings released: EPS: د.إ0.086 (vs د.إ0.027 in 3Q 2023) Third quarter 2024 results: EPS: د.إ0.086 (up from د.إ0.027 in 3Q 2023). Revenue: د.إ272.5m (up 156% from 3Q 2023). Net income: د.إ149.2m (up 221% from 3Q 2023). Profit margin: 55% (up from 44% in 3Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 15% per year whereas the company’s share price has increased by 11% per year. Reported Earnings • Jul 26
Second quarter 2024 earnings released: EPS: د.إ0.026 (vs د.إ0.026 in 2Q 2023) Second quarter 2024 results: EPS: د.إ0.026 (in line with 2Q 2023). Revenue: د.إ145.9m (up 19% from 2Q 2023). Net income: د.إ44.5m (flat on 2Q 2023). Profit margin: 31% (down from 36% in 2Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 30% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth. Reported Earnings • May 04
First quarter 2024 earnings released: EPS: د.إ0.021 (vs د.إ0.019 in 1Q 2023) First quarter 2024 results: EPS: د.إ0.021 (up from د.إ0.019 in 1Q 2023). Revenue: د.إ126.5m (down 16% from 1Q 2023). Net income: د.إ35.9m (up 9.4% from 1Q 2023). Profit margin: 28% (up from 22% in 1Q 2023). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 51% per year but the company’s share price has remained flat, which means it is significantly lagging earnings. Announcement • Apr 28
Commercial Bank International P.S.C. to Report Q1, 2024 Results on May 02, 2024 Commercial Bank International P.S.C. announced that they will report Q1, 2024 results on May 02, 2024 New Risk • Jan 24
New major risk - Share price stability The company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Emirian stocks, typically moving 8.7% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. This is currently the only risk that has been identified for the company. Announcement • Jan 24
Commercial Bank International P.S.C., Annual General Meeting, Feb 14, 2024 Commercial Bank International P.S.C., Annual General Meeting, Feb 14, 2024, at 07:00 Coordinated Universal Time. Agenda: To review and approve the Directors' Report on the activities and financial position of the Bank for the fiscal year ended 31/12/2023; to review and approve the Auditors' Report for the fiscal year ended 31 /12/ 2023; to review and approve the Internal Shari'ah Supervision Committee Report for the fiscal year ended 31/12/2023; to discuss and approve the Bank's Balance Sheet and profit & loss account for the fiscal year ended 31/12/2023; to appoint the auditors for the financial year 2024 and determine their remuneration; and to discuss other matters. Reported Earnings • Jan 17
Full year 2023 earnings released: EPS: د.إ0.089 (vs د.إ0.067 in FY 2022) Full year 2023 results: EPS: د.إ0.089 (up from د.إ0.067 in FY 2022). Revenue: د.إ489.9m (up 2.9% from FY 2022). Net income: د.إ153.9m (up 31% from FY 2022). Profit margin: 31% (up from 25% in FY 2022). Over the last 3 years on average, earnings per share has increased by 63% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings. New Risk • Nov 07
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Emirian stocks, typically moving 6.8% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 1.4% per year over the past 5 years. Minor Risks Share price has been volatile over the past 3 months (6.8% average weekly change). Large one-off items impacting financial results. Reported Earnings • Oct 29
Third quarter 2023 earnings released: EPS: د.إ0.027 (vs د.إ0.006 in 3Q 2022) Third quarter 2023 results: EPS: د.إ0.027 (up from د.إ0.006 in 3Q 2022). Revenue: د.إ106.5m (down 25% from 3Q 2022). Net income: د.إ46.5m (up 326% from 3Q 2022). Profit margin: 44% (up from 7.7% in 3Q 2022). Over the last 3 years on average, earnings per share has increased by 74% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth. Reported Earnings • Aug 04
Second quarter 2023 earnings released: EPS: د.إ0.026 (vs د.إ0.02 in 2Q 2022) Second quarter 2023 results: EPS: د.إ0.026 (up from د.إ0.02 in 2Q 2022). Revenue: د.إ123.1m (up 6.6% from 2Q 2022). Net income: د.إ44.6m (up 27% from 2Q 2022). Profit margin: 36% (up from 30% in 2Q 2022). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 70% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings. Reported Earnings • May 10
First quarter 2023 earnings released: EPS: د.إ0.019 (vs د.إ0.012 in 1Q 2022) First quarter 2023 results: EPS: د.إ0.019 (up from د.إ0.012 in 1Q 2022). Revenue: د.إ149.8m (up 47% from 1Q 2022). Net income: د.إ32.8m (up 55% from 1Q 2022). Profit margin: 22% (up from 21% in 1Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 64% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings. Board Change • Feb 14
High number of new directors There are 6 new directors who have joined the board in the last 3 years. Non -Executive Director Salaheddin Al-Madani was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Announcement • Feb 08
Commercial Bank International P.S.C., Annual General Meeting, Feb 28, 2023 Commercial Bank International P.S.C., Annual General Meeting, Feb 28, 2023, at 07:00 Coordinated Universal Time. Reported Earnings • Jan 20
Full year 2022 earnings released: EPS: د.إ0.067 (vs د.إ0.07 in FY 2021) Full year 2022 results: EPS: د.إ0.067 (down from د.إ0.07 in FY 2021). Revenue: د.إ476.1m (up 10% from FY 2021). Net income: د.إ117.2m (down 3.7% from FY 2021). Profit margin: 25% (down from 28% in FY 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 55% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings. Price Target Changed • Nov 16
Price target increased to د.إ0.67 Up from د.إ0.57, the current price target is provided by 1 analyst. New target price is 7.6% below last closing price of د.إ0.72. Stock is up 12% over the past year. The company posted earnings per share of د.إ0.07 last year. Board Change • Nov 16
High number of new directors There are 6 new directors who have joined the board in the last 3 years. Non -Executive Director Salaheddin Al-Madani was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Announcement • Oct 19
Commercial Bank International P.S.C. to Report Q3, 2022 Results on Oct 25, 2022 Commercial Bank International P.S.C. announced that they will report Q3, 2022 results on Oct 25, 2022 Reported Earnings • Jul 31
Second quarter 2022 earnings released: EPS: د.إ0.02 (vs د.إ0.016 in 2Q 2021) Second quarter 2022 results: EPS: د.إ0.02 (up from د.إ0.016 in 2Q 2021). Revenue: د.إ115.5m (up 8.8% from 2Q 2021). Net income: د.إ35.0m (up 26% from 2Q 2021). Profit margin: 30% (up from 26% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 5% per year whereas the company’s share price has increased by 10% per year. Announcement • Jul 22
Commercial Bank International P.S.C. to Report Q2, 2022 Results on Jul 27, 2022 Commercial Bank International P.S.C. announced that they will report Q2, 2022 results at 2:00 AM, Arabian Standard Time on Jul 27, 2022 Reported Earnings • Apr 28
First quarter 2022 earnings released: EPS: د.إ0.012 (vs د.إ0.055 loss in 1Q 2021) First quarter 2022 results: EPS: د.إ0.012 (up from د.إ0.055 loss in 1Q 2021). Revenue: د.إ101.8m (down 1,448% from 1Q 2021). Net income: د.إ21.2m (up د.إ117.4m from 1Q 2021). Profit margin: 21% (down from 1,272% in 1Q 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 35% per year but the company’s share price has increased by 20% per year, which means it is well ahead of earnings. Price Target Changed • Apr 27
Price target increased to د.إ0.70 Up from د.إ0.57, the current price target is provided by 1 analyst. New target price is 33% below last closing price of د.إ1.05. Stock is up 45% over the past year. The company posted earnings per share of د.إ0.07 last year. Board Change • Apr 27
High number of new directors There are 5 new directors who have joined the board in the last 3 years. Director Mohamed Ali Abdullah Al Nuaimi was the last director to join the board, commencing their role in 2021. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Announcement • Apr 27
Commercial Bank International P.S.C. Announces Board Changes Commercial Bank International P.S.C. annoubnced that at the board meeting was held on April 25, 2022, the company approved the appointment of Mr. Salahuddin Al Madani as a Board member replacing the resigning Board member Ms. Fareeda Abulfath. Valuation Update With 7 Day Price Move • Mar 30
Investor sentiment improved over the past week After last week's 31% share price gain to د.إ1.05, the stock trades at a trailing P/E ratio of 15x. Average trailing P/E is 14x in the Banks industry in United Arab Emirates. Total returns to shareholders of 72% over the past three years. Announcement • Mar 06
Commercial Bank International P.S.C., Annual General Meeting, Mar 23, 2022 Commercial Bank International P.S.C., Annual General Meeting, Mar 23, 2022, at 07:00 Coordinated Universal Time. Reported Earnings • Feb 04
Full year 2021 earnings: EPS in line with analyst expectations despite revenue beat Full year 2021 results: EPS: د.إ0.07 (up from د.إ0.016 loss in FY 2020). Revenue: د.إ432.6m (up 27% from FY 2020). Net income: د.إ121.8m (up د.إ149.1m from FY 2020). Profit margin: 28% (up from net loss in FY 2020). The move to profitability was primarily driven by higher revenue. Non-performing loans: 17.06% (up from 16.25% in FY 2020). Revenue exceeded analyst estimates by 14%. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 73 percentage points per year, which is a significant difference in performance. Price Target Changed • Nov 17
Price target increased to د.إ0.70 Up from د.إ0.57, the current price target is provided by 1 analyst. New target price is 7.7% above last closing price of د.إ0.65. Stock is down 11% over the past year. The company posted a net loss per share of د.إ0.016 last year. Reported Earnings • Nov 10
Third quarter 2021 earnings released: EPS د.إ0.015 (vs د.إ0.038 loss in 3Q 2020) The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: د.إ100.2m (up 39% from 3Q 2020). Net income: د.إ25.3m (up د.إ91.7m from 3Q 2020). Profit margin: 25% (up from net loss in 3Q 2020). The move to profitability was primarily driven by lower expenses. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 99 percentage points per year, which is a significant difference in performance. Reported Earnings • Jul 31
Second quarter 2021 earnings released: EPS د.إ0.016 (vs د.إ0.003 in 2Q 2020) The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: د.إ106.1m (up 21% from 2Q 2020). Net income: د.إ27.9m (up 390% from 2Q 2020). Profit margin: 26% (up from 6.5% in 2Q 2020). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 95 percentage points per year, which is a significant difference in performance. Is New 90 Day High Low • Mar 02
New 90-day low: د.إ0.65 The company is down 6.0% from its price of د.إ0.69 on 30 November 2020. The Emirian market is up 9.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 8.0% over the same period. Announcement • Mar 01
Commercial Bank International P.S.C., Annual General Meeting, Mar 22, 2021 Commercial Bank International P.S.C., Annual General Meeting, Mar 22, 2021, at 12:30 Indian Standard Time. Agenda: To review and approve the board of directors report, on the Company's activities and its financial position for the period ended December 31, 2020; to review and approve the auditor's report regarding the financial year ended December 31, 2020; to review the report by the Internal Shari'ah Supervision Committee for the year ended on December 31, 2020; to appoint the Internal Shari'ah Supervision Committee in accordance with the provisions of the Decretal Federal Law No. (14) of 2018 regarding the Central Bank & Organization of Financial Institutions and Activities; to discuss and approve the Company's financial statements and profit and loss account, for the financial year ended December 31, 2020; to ratify the Board of Directors' decision issued on 26th July 2020 to appoint Mr. Saif Ali Al Shehhi as a Board member, following the resignation of Mr. Abdullah Gaith Al Suwaidi; and to approve a proposal to determine, and pay remuneration to, the members of the Board of Directors. Reported Earnings • Feb 12
Full year 2020 earnings released: د.إ0.016 loss per share (vs د.إ0.05 profit in FY 2019) The company reported a poor full year result with weaker earnings, revenues and control over costs. Full year 2020 results: Revenue: د.إ340.3m (down 31% from FY 2019). Net loss: د.إ27.3m (down 132% from profit in FY 2019). Over the last 3 years on average, earnings per share has fallen by 58% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings. Announcement • Feb 04
Commercial Bank International P.S.C. to Report Fiscal Year 2020 Results on Feb 10, 2021 Commercial Bank International P.S.C. announced that they will report fiscal year 2020 results on Feb 10, 2021 Is New 90 Day High Low • Dec 30
New 90-day high: د.إ0.75 The company is up 11% from its price of د.إ0.68 on 01 October 2020. The Emirian market is up 9.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 10.0% over the same period. Announcement • Jul 20
Commercial Bank International P.S.C. to Report First Half, 2020 Results on Jul 26, 2020 Commercial Bank International P.S.C. announced that they will report first half, 2020 results on Jul 26, 2020 
