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The National Bank of Ras Al-Khaimah (P.S.C.)ADX:RAKBANK Stock Report

Market Cap د.إ16.8b
Share Price
د.إ8.33
د.إ8.93
6.7% undervalued intrinsic discount
1Y31.8%
7D5.3%
Portfolio Value
​
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The National Bank of Ras Al-Khaimah (P.S.C.)

ADX:RAKBANK Stock Report

Market Cap: د.إ16.8b

National Bank of Ras Al-Khaimah (P.S.C.) (RAKBANK) Stock Overview

Engages in providing retail, Islamic, and commercial banking products, and services to individuals and businesses in the United Arab Emirates. More details

RAKBANK fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance4/6
Financial Health6/6
Dividends5/6

Rewards

Price-To-Earnings ratio (6.4x) is below the AE market (10.8x)

Earnings grew by 25.5% over the past year

Risk Analysis

Earnings are forecast to decline by an average of 9.8% per year for the next 3 years

Unstable dividend track record


RAKBANK Community Fair Values

Create Narrative

See what 7 others think this stock is worth. Follow their fair value or set your own to get alerts.

View Stock Community

The National Bank of Ras Al-Khaimah (P.S.C.) Competitors

Price History & Performance

Summary of share price highs, lows and changes for National Bank of Ras Al-Khaimah (P.S.C.)
Historical stock prices
Current Share Priceد.إ8.33
52 Week Highد.إ10.10
52 Week Lowد.إ6.11
Beta0.35
1 Month Change-8.66%
3 Month Change-0.83%
1 Year Change31.80%
3 Year Change90.76%
5 Year Change156.31%
Change since IPO190.14%

Recent News & Updates

Recent updates

With EPS Growth And More, National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Makes An Interesting Case

Jun 30
With EPS Growth And More, National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Makes An Interesting Case

National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Is Increasing Its Dividend To AED0.50

Mar 18
National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Is Increasing Its Dividend To AED0.50

National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Has Announced That It Will Be Increasing Its Dividend To AED0.50

Mar 02
National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Has Announced That It Will Be Increasing Its Dividend To AED0.50

National Bank of Ras Al-Khaimah (P.S.C.)'s (ADX:RAKBANK) Upcoming Dividend Will Be Larger Than Last Year's

Jan 27
National Bank of Ras Al-Khaimah (P.S.C.)'s (ADX:RAKBANK) Upcoming Dividend Will Be Larger Than Last Year's

Should You Be Adding National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) To Your Watchlist Today?

Jan 03
Should You Be Adding National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) To Your Watchlist Today?

Here's Why We Think National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Might Deserve Your Attention Today

Aug 28
Here's Why We Think National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Might Deserve Your Attention Today

Does National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Deserve A Spot On Your Watchlist?

Nov 27
Does National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Deserve A Spot On Your Watchlist?

Should You Be Adding National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) To Your Watchlist Today?

Aug 01
Should You Be Adding National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) To Your Watchlist Today?

National Bank of Ras Al-Khaimah (P.S.C.)'s (ADX:RAKBANK) Upcoming Dividend Will Be Larger Than Last Year's

Mar 23
National Bank of Ras Al-Khaimah (P.S.C.)'s (ADX:RAKBANK) Upcoming Dividend Will Be Larger Than Last Year's

National Bank of Ras Al-Khaimah (P.S.C.)'s (ADX:RAKBANK) Dividend Will Be Increased To د.إ0.23

Feb 17
National Bank of Ras Al-Khaimah (P.S.C.)'s (ADX:RAKBANK) Dividend Will Be Increased To د.إ0.23

National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Is Increasing Its Dividend To د.إ0.23

Feb 03
National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Is Increasing Its Dividend To د.إ0.23

If You Had Bought National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Shares Five Years Ago You'd Have A Total Return Of Negative 3.5%

Mar 01
If You Had Bought National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Shares Five Years Ago You'd Have A Total Return Of Negative 3.5%

Is The National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) A Good Dividend Stock?

Jan 17
Is The National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) A Good Dividend Stock?

Is The National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Popular Amongst Insiders?

Dec 12
Is The National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK) Popular Amongst Insiders?

Shareholder Returns

RAKBANKAE BanksAE Market
7D5.3%5.9%2.6%
1Y31.8%33.7%4.6%

Return vs Industry: RAKBANK matched the AE Banks industry which returned 32.3% over the past year.

Return vs Market: RAKBANK exceeded the AE Market which returned 4.5% over the past year.

Price Volatility

Is RAKBANK's price volatile compared to industry and market?
RAKBANK volatility
RAKBANK Average Weekly Movement5.5%
Banks Industry Average Movement5.4%
Market Average Movement5.5%
10% most volatile stocks in AE Market7.8%
10% least volatile stocks in AE Market3.6%

Stable Share Price: RAKBANK has not had significant price volatility in the past 3 months compared to the AE market.

Volatility Over Time: RAKBANK's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1976n/aRaheel Ahmedwww.rakbank.ae

The National Bank of Ras Al-Khaimah (P.S.C.), together with its subsidiaries, engages in providing retail, Islamic, and commercial banking products, and services to individuals and businesses in the United Arab Emirates. The company operates through four segments: Retail Banking, Wholesale Banking, Business Banking, and Head Office and Others. The company offers current, savings, gold, elite, joint, and merchant accounts; call, fixed, recurring, and flexi fixed deposit accounts; home, personal, cash, green, term, business, auto, national, and education loans; real estate, point of sales and e-commerce, trade and working capital, and machinery finance, as well as commercial vehicles, construction equipment, project, and bridge finance products; mortgages; and credit, debit, and prepaid cards.

The National Bank of Ras Al-Khaimah (P.S.C.) Fundamentals Summary

How do National Bank of Ras Al-Khaimah (P.S.C.)'s earnings and revenue compare to its market cap?
RAKBANK fundamental statistics
Market capد.إ16.76b
Earnings (TTM)د.إ2.60b
Revenue (TTM)د.إ4.72b
6.4x
P/E Ratio
1.1x
P/B Ratio

Is RAKBANK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
RAKBANK income statement (TTM)
Revenueد.إ4.72b
Cost of Revenueد.إ0
Gross Profitد.إ4.72b
Other Expensesد.إ2.12b
Earningsد.إ2.60b

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)1.29
Gross Margin100.00%
Net Profit Margin55.12%
Debt/Equity Ratio107.3%

How did RAKBANK perform over the long term?

See historical performance and comparison

Dividends

7.6%
Current Dividend Yield
49%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/04/10 02:28
End of Day Share Price 2026/04/10 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

The National Bank of Ras Al-Khaimah (P.S.C.) is covered by 5 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jaap MeijerArqaam Capital Research Offshore S.A.L.
Ryan AyacheDeutsche Bank
Elena Sanchez-CabezudoEFG-Hermes Research