Reported Earnings • Apr 19
First quarter 2026 earnings released: EPS: د.إ0.08 (vs د.إ0.093 in 1Q 2025) First quarter 2026 results: EPS: د.إ0.08 (down from د.إ0.093 in 1Q 2025). Revenue: د.إ212.3m (down 13% from 1Q 2025). Net income: د.إ151.7m (down 18% from 1Q 2025). Profit margin: 72% (down from 76% in 1Q 2025). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has increased by 21% per year, which means it is tracking significantly ahead of earnings growth. Upcoming Dividend • Mar 13
Upcoming dividend of د.إ0.20 per share Eligible shareholders must have bought the stock before 20 March 2026. Payment date: 08 April 2026. Payout ratio is a comfortable 69% but the company is not cash flow positive. Trailing yield: 7.1%. Within top quartile of Emirian dividend payers (6.7%). Higher than average of industry peers (4.5%). Upcoming Dividend • Mar 11
Upcoming dividend of د.إ0.20 per share Eligible shareholders must have bought the stock before 18 March 2026. Payment date: 09 April 2026. Payout ratio is a comfortable 69% but the company is not cash flow positive. Trailing yield: 6.8%. Within top quartile of Emirian dividend payers (6.5%). Higher than average of industry peers (4.2%). Announcement • Feb 12
National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Mar 09, 2026 National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Mar 09, 2026, at 11:00 Arabian Standard Time. Location: umm al quwain United Arab Emirates Reported Earnings • Feb 11
Full year 2025 earnings released: EPS: د.إ0.29 (vs د.إ0.25 in FY 2024) Full year 2025 results: EPS: د.إ0.29 (up from د.إ0.25 in FY 2024). Revenue: د.إ844.2m (up 16% from FY 2024). Net income: د.إ580.7m (up 15% from FY 2024). Profit margin: 69% (in line with FY 2024). Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has increased by 21% per year, which means it is tracking significantly ahead of earnings growth. Declared Dividend • Feb 07
Dividend increased to د.إ0.20 Dividend of د.إ0.20 is 11% higher than last year. Ex-date: 18th March 2026 Payment date: 1st January 1970 Dividend yield will be 7.0%, which is higher than the industry average of 5.8%. Sustainability & Growth The dividend has increased by an average of 6.9% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 18% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Announcement • Feb 06
National Bank of Umm Al-Qaiwain (PSC) announces Annual dividend National Bank of Umm Al-Qaiwain (PSC) announced Annual dividend of AED 0.2000 per share, ex-date on March 18, 2026 and record date on March 19, 2026. Announcement • Jan 26
National Bank of Umm Al-Qaiwain (PSC) to Report Fiscal Year 2025 Results on Feb 05, 2026 National Bank of Umm Al-Qaiwain (PSC) announced that they will report fiscal year 2025 results on Feb 05, 2026 Reported Earnings • Oct 22
Third quarter 2025 earnings released: EPS: د.إ0.08 (vs د.إ0.06 in 3Q 2024) Third quarter 2025 results: EPS: د.إ0.08 (up from د.إ0.06 in 3Q 2024). Revenue: د.إ224.9m (up 32% from 3Q 2024). Net income: د.إ150.7m (up 32% from 3Q 2024). Profit margin: 67% (in line with 3Q 2024). Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has increased by 17% per year, which means it is tracking significantly ahead of earnings growth. New Risk • Sep 30
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 5.1% 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: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (5.1% average weekly change). Reported Earnings • Apr 30
First quarter 2025 earnings released: EPS: د.إ0.09 (vs د.إ0.088 in 1Q 2024) First quarter 2025 results: EPS: د.إ0.09 (up from د.إ0.088 in 1Q 2024). Revenue: د.إ244.2m (up 6.0% from 1Q 2024). Net income: د.إ185.8m (up 5.7% from 1Q 2024). Profit margin: 76% (in line with 1Q 2024). Over the last 3 years on average, earnings per share has increased by 18% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth. Reported Earnings • Feb 14
Full year 2024 earnings released: EPS: د.إ0.25 (vs د.إ0.25 in FY 2023) Full year 2024 results: EPS: د.إ0.25. Revenue: د.إ730.9m (up 9.2% from FY 2023). Net income: د.إ506.0m (flat on FY 2023). Profit margin: 69% (down from 75% in FY 2023). The decrease in margin was driven by higher expenses. Declared Dividend • Feb 08
Dividend increased to د.إ0.18 Dividend of د.إ0.18 is 20% higher than last year. Ex-date: 19th March 2025 Payment date: 1st January 1970 Dividend yield will be 7.9%, which is higher than the industry average of 5.8%. Sustainability & Growth The dividend has increased by an average of 5.0% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 4.1% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Announcement • Feb 07
National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Mar 10, 2025 National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Mar 10, 2025, at 11:00 Arabian Standard Time. Reported Earnings • Oct 19
Third quarter 2024 earnings released: EPS: د.إ0.06 (vs د.إ0.065 in 3Q 2023) Third quarter 2024 results: EPS: د.إ0.06 (down from د.إ0.065 in 3Q 2023). Revenue: د.إ170.5m (down 3.5% from 3Q 2023). Net income: د.إ114.6m (down 12% from 3Q 2023). Profit margin: 67% (down from 74% in 3Q 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has only increased by 13% per year, which means it is significantly lagging earnings growth. Valuation Update With 7 Day Price Move • Sep 10
Investor sentiment improves as stock rises 20% After last week's 20% share price gain to د.إ2.53, the stock trades at a trailing P/E ratio of 9.5x. Average trailing P/E is 8x in the Banks industry in United Arab Emirates. Total returns to shareholders of 120% over the past three years. Reported Earnings • Jul 17
Second quarter 2024 earnings released: EPS: د.إ0.05 (vs د.إ0.058 in 2Q 2023) Second quarter 2024 results: EPS: د.إ0.05 (down from د.إ0.058 in 2Q 2023). Revenue: د.إ162.9m (up 5.7% from 2Q 2023). Net income: د.إ109.6m (down 5.5% from 2Q 2023). Profit margin: 67% (down from 75% 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 11% per year, which means it is significantly lagging earnings growth. New Risk • Jul 05
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 6.2% 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: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.2% average weekly change). Reported Earnings • Apr 20
First quarter 2024 earnings released: EPS: د.إ0.09 (vs د.إ0.07 in 1Q 2023) First quarter 2024 results: EPS: د.إ0.09 (up from د.إ0.07 in 1Q 2023). Revenue: د.إ230.4m (up 29% from 1Q 2023). Net income: د.إ175.7m (up 26% from 1Q 2023). Profit margin: 76% (down from 78% in 1Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings. Announcement • Feb 16
National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Mar 11, 2024 National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Mar 11, 2024, at 07:00 Coordinated Universal Time. Agenda: To discuss and approve the Board of Directors’ Report on the Bank’s activity and its financial position for the financial year ended on 31/12/2023; to discharge of the Board of Directors of the Bank from liability for their actions for the financial year ended on 31/12/2023 or remove them and file a liability action against them, as the case may be; and to consider other matters. Reported Earnings • Feb 15
Full year 2023 earnings released: EPS: د.إ0.25 (vs د.إ0.19 in FY 2022) Full year 2023 results: EPS: د.إ0.25 (up from د.إ0.19 in FY 2022). Revenue: د.إ669.2m (up 29% from FY 2022). Net income: د.إ502.6m (up 38% from FY 2022). Profit margin: 75% (up from 70% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth. Declared Dividend • Feb 10
Dividend of د.إ0.15 announced Shareholders will receive a dividend of د.إ0.15. Ex-date: 20th March 2024 Payment date: 1st January 1970 Dividend yield will be 7.7%, which is higher than the industry average of 5.8%. Sustainability & Growth The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. Earnings per share has grown by 3.1% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Announcement • Jan 29
National Bank of Umm Al-Qaiwain (PSC) Announces Initial Approval to the Proposed Cash Dividend for the Year 2023 National Bank of Umm Al-Qaiwain (PSC) informed that the initial approval has been given by the central Bank of the UAE to propose cash dividends of 15% of the paid-up capital. Reported Earnings • Oct 20
Third quarter 2023 earnings released: EPS: د.إ0.07 (vs د.إ0.05 in 3Q 2022) Third quarter 2023 results: EPS: د.إ0.07 (up from د.إ0.05 in 3Q 2022). Revenue: د.إ176.8m (up 31% from 3Q 2022). Net income: د.إ130.3m (up 38% from 3Q 2022). Profit margin: 74% (up from 70% in 3Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 29% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings. Valuation Update With 7 Day Price Move • Aug 18
Investor sentiment deteriorates as stock falls 19% After last week's 19% share price decline to د.إ1.63, the stock trades at a trailing P/E ratio of 7.2x. Average trailing P/E is 9x in the Banks industry in United Arab Emirates. Total returns to shareholders of 1.9% over the past three years. Valuation Update With 7 Day Price Move • Jul 27
Investor sentiment improves as stock rises 17% After last week's 17% share price gain to د.إ1.97, the stock trades at a trailing P/E ratio of 8.7x. Average trailing P/E is 9x in the Banks industry in United Arab Emirates. Total returns to shareholders of 23% over the past three years. Reported Earnings • Jul 18
Second quarter 2023 earnings released: EPS: د.إ0.06 (vs د.إ0.034 in 2Q 2022) Second quarter 2023 results: EPS: د.إ0.06 (up from د.إ0.034 in 2Q 2022). Revenue: د.إ154.2m (up 48% from 2Q 2022). Net income: د.إ116.0m (up 69% from 2Q 2022). Profit margin: 75% (up from 66% in 2Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings. Reported Earnings • Apr 19
First quarter 2023 earnings released: EPS: د.إ0.07 (vs د.إ0.048 in 1Q 2022) First quarter 2023 results: EPS: د.إ0.07 (up from د.إ0.048 in 1Q 2022). Revenue: د.إ178.0m (up 35% from 1Q 2022). Net income: د.إ139.2m (up 44% from 1Q 2022). Profit margin: 78% (up from 73% 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 11% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings. Announcement • Feb 14
National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Mar 09, 2023 National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Mar 09, 2023, at 06:00 Coordinated Universal Time. Agenda: To consider and approve the Board of Directors’ Report on the Bank’s activity and its financial position for the financial year ended on 31/12/2022; to consider and approve the report of the external auditors of the Bank for the financial year ended 31/12/2022; to consider and approve the annual report of the Internal Shari’ah Supervisory committee of the previous Islamic Banking Window, which the Bank closed with regard to the Bank’s existing Islamic transactions for the financial year ended on 31/12/2022; to consider and approve the Bank audited Balance Sheet and Profit and Loss statement for the financial year ended 31/12/2022; to consider appointment of the external auditors of the Bank for the financial year 2023 and determine their fees; to Elect the Board of Directors for the term of 2023-2026; and to consider any other matters. Valuation Update With 7 Day Price Move • Feb 09
Investor sentiment deteriorates as stock falls 19% After last week's 19% share price decline to د.إ1.45, the stock trades at a trailing P/E ratio of 8x. Average trailing P/E is 10x in the Banks industry in United Arab Emirates. Total loss to shareholders of 9.5% over the past three years. Board Change • Nov 16
No independent directors Following the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 7 non-independent directors. Director Shaikh Sager Saud Rashed Al Mualla was the last director to join the board, commencing their role in 2020. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model. Reported Earnings • Oct 25
Third quarter 2022 earnings released: EPS: د.إ0.05 (vs د.إ0.032 in 3Q 2021) Third quarter 2022 results: EPS: د.إ0.05 (up from د.إ0.032 in 3Q 2021). Revenue: د.إ134.9m (up 37% from 3Q 2021). Net income: د.إ94.6m (up 50% from 3Q 2021). Profit margin: 70% (up from 64% in 3Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 12% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings. Reported Earnings • Jul 21
Second quarter 2022 earnings released: EPS: د.إ0.04 (vs د.إ0.027 in 2Q 2021) Second quarter 2022 results: EPS: د.إ0.04 (up from د.إ0.027 in 2Q 2021). Revenue: د.إ104.3m (up 19% from 2Q 2021). Net income: د.إ68.7m (up 25% from 2Q 2021). Profit margin: 66% (up from 63% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 19% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings. Announcement • May 28
National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Jun 20, 2022 National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Jun 20, 2022, at 07:00 Coordinated Universal Time. Agenda: To consider approval to increase the bank’s capital; to consider amendment of articale. Board Change • Apr 27
No independent directors Following the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 7 non-independent directors. Director Shaikh Sager Saud Rashed Al Mualla was the last director to join the board, commencing their role in 2020. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model. Reported Earnings • Apr 18
First quarter 2022 earnings released: EPS: د.إ0.05 (vs د.إ0.041 in 1Q 2021) First quarter 2022 results: EPS: د.إ0.05 (up from د.إ0.041 in 1Q 2021). Revenue: د.إ132.2m (up 22% from 1Q 2021). Net income: د.إ96.6m (up 26% from 1Q 2021). Profit margin: 73% (up from 70% in 1Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 23% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings. Upcoming Dividend • Mar 16
Upcoming dividend of د.إ0.08 per share Eligible shareholders must have bought the stock before 23 March 2022. Payment date: 28 April 2022. Payout ratio is a comfortable 56% and this is well supported by cash flows. Trailing yield: 4.4%. Lower than top quartile of Emirian dividend payers (5.7%). Higher than average of industry peers (3.0%). Announcement • Feb 16
National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Mar 14, 2022 National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Mar 14, 2022, at 06:00 Coordinated Universal Time. Agenda: To discuss and approve the board of directors report in the bank activity and its financial position for the financial year ended December 31, 2021; to discuss and approve the annual report of internal Shari'ah supervisory committee if the bank Islamic for the year ended on December 31, 2021; to consider the dividend; to consider the appointment of auditors; to consider the amendment of the articles of association; to consider the supervisory committee appointment; to consider the board remuneration; and to discus other matters. Reported Earnings • Feb 13
Full year 2021 earnings: Revenues and EPS in line with analyst expectations Full year 2021 results: EPS: د.إ0.14 (up from د.إ0.12 in FY 2020). Revenue: د.إ401.1m (up 11% from FY 2020). Net income: د.إ264.2m (up 25% from FY 2020). Profit margin: 66% (up from 59% in FY 2020). The increase in margin was primarily driven by higher revenue. Non-performing loans: 8.59% (down from 9.95% in FY 2020). Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has fallen by 26% per year but the company’s share price has only fallen by 18% per year, which means it has not declined as severely as earnings. Announcement • Feb 10
National Bank of Umm Al-Qaiwain (PSC) Approves Distribution for the Year Ended December 31, 2021 National Bank of Umm Al-Qaiwain (PSC) at its board meeting held on February 9, 2022 approved the proposed distribution of cash dividend of 8% of paid-up capital for the year ended December 31, 2021. Announcement • Feb 03
National Bank of Umm Al-Qaiwain (PSC) to Report Fiscal Year 2021 Results on Feb 05, 2022 National Bank of Umm Al-Qaiwain (PSC) announced that they will report fiscal year 2021 results on Feb 05, 2022 Reported Earnings • Nov 03
Third quarter 2021 earnings released: EPS د.إ0.03 (vs د.إ0.026 in 3Q 2020) The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: د.إ98.6m (up 13% from 3Q 2020). Net income: د.إ63.2m (up 30% from 3Q 2020). Profit margin: 64% (up from 56% in 3Q 2020). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 26% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings. Valuation Update With 7 Day Price Move • Aug 29
Investor sentiment improved over the past week After last week's 19% share price gain to د.إ1.60, the stock trades at a trailing P/E ratio of 13.7x. Average trailing P/E is 13x in the Banks industry in United Arab Emirates. Total loss to shareholders of 26% over the past three years. Reported Earnings • Jul 28
Second quarter 2021 earnings released: EPS د.إ0.03 (vs د.إ0.029 in 2Q 2020) The company reported a solid second quarter result with improved earnings and revenues, although profit margins were flat. Second quarter 2021 results: Revenue: د.إ87.6m (up 1.3% from 2Q 2020). Net income: د.إ55.0m (up 1.1% from 2Q 2020). Profit margin: 63% (in line with 2Q 2020). Over the last 3 years on average, earnings per share has fallen by 23% per year but the company’s share price has only fallen by 16% per year, which means it has not declined as severely as earnings. Reported Earnings • May 02
First quarter 2021 earnings released: EPS د.إ0.04 (vs د.إ0.039 in 1Q 2020) The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: د.إ108.6m (up 1.3% from 1Q 2020). Net income: د.إ76.5m (up 5.0% from 1Q 2020). Profit margin: 70% (up from 68% in 1Q 2020). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 18% per year but the company’s share price has only fallen by 6% per year, which means it has not declined as severely as earnings. Upcoming Dividend • Mar 30
Upcoming dividend of د.إ0.08 per share Eligible shareholders must have bought the stock before 06 April 2021. Payment date: 15 April 2021. Trailing yield: 3.6%. Lower than top quartile of Emirian dividend payers (6.9%). Lower than average of industry peers (4.6%). Reported Earnings • Mar 05
Full year 2020 earnings released: EPS د.إ0.11 (vs د.إ0.23 in FY 2019) The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: د.إ361.5m (down 36% from FY 2019). Net income: د.إ211.8m (down 50% from FY 2019). Profit margin: 59% (down from 75% in FY 2019). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 13% per year whereas the company’s share price has fallen by 9% per year. Is New 90 Day High Low • Mar 04
New 90-day high: د.إ2.24 The company is up 12% from its price of د.إ2.00 on 30 November 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 9.0% over the same period. Announcement • Mar 04
National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Mar 28, 2021 National Bank of Umm Al-Qaiwain (PSC), Annual General Meeting, Mar 28, 2021, at 06:00 Coordinated Universal Time. Is New 90 Day High Low • Dec 30
New 90-day low: د.إ1.90 The company is down 5.0% from its price of د.إ2.00 on 01 October 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 10.0% over the same period. Reported Earnings • Oct 29
Third quarter earnings released Over the last 12 months the company has reported total profits of د.إ250.6m, down 41% from the prior year. Total revenue was د.إ395.1m over the last 12 months, down 30% from the prior year. Is New 90 Day High Low • Sep 24
New 90-day low: د.إ1.90 The company is down 5.0% from its price of د.إ2.00 on 25 June 2020. The Emirian market is up 8.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 7.0% over the same period.