| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
BISB Stock Overview
Bahrain Islamic Bank B.S.C. provides various banking products and services in the Kingdom of Bahrain.
Bahrain Islamic Bank B.S.C Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ب.د0.08 |
| 52 Week High | ب.د0.085 |
| 52 Week Low | ب.د0.072 |
| Beta | 0.012 |
| 1 Month Change | 0% |
| 3 Month Change | n/a |
| 1 Year Change | n/a |
| 3 Year Change | -25.93% |
| 5 Year Change | -42.07% |
| Change since IPO | -15.04% |
Recent News & Updates
Shareholder Returns
| BISB | BH Banks | BH Market | |
|---|---|---|---|
| 7D | 0% | -3.5% | -4.6% |
| 1Y | n/a | 31.9% | 31.2% |
Return vs Industry: Insufficient data to determine how BISB performed against the BH Banks industry.
Return vs Market: Insufficient data to determine how BISB performed against the BH Market.
Price Volatility
| BISB volatility | |
|---|---|
| BISB Average Weekly Movement | n/a |
| Banks Industry Average Movement | 4.2% |
| Market Average Movement | 2.4% |
| 10% most volatile stocks in BH Market | 6.8% |
| 10% least volatile stocks in BH Market | 1.7% |
Stable Share Price: Insufficient data to determine BISB's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine BISB's volatility change over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1979 | n/a | Hassan Jarrar | https://www.bisb.com |
Bahrain Islamic Bank B.S.C. provides various banking products and services in the Kingdom of Bahrain. The company operates through three segments: Corporate, Retail, and Investment. It offers current, investment, salary, cheque, call, youth, and savings accounts; investment deposits; remittances and foreign exchange transactions; drafts and managerial cheques; personal, property, housing, special project, and auto financing services; and trade, enterprise, equipment, cash flow working capital, export, liquidity, and short- and long-term financing services.
Bahrain Islamic Bank B.S.C Fundamentals Summary
| BISB fundamental statistics | |
|---|---|
| Market Cap | ب.د84.66m |
| Earnings (TTM) | ب.د6.78m |
| Revenue (TTM) | ب.د30.23m |
12.5x
P/E Ratio0.6x
P/B RatioIs BISB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BISB income statement (TTM) | |
|---|---|
| Revenue | ب.د30.23m |
| Cost of Revenue | ب.د0 |
| Gross Profit | ب.د30.23m |
| Other Expenses | ب.د23.45m |
| Earnings | ب.د6.78m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.0064 |
| Gross Margin | 100.00% |
| Net Profit Margin | 22.44% |
| Debt/Equity Ratio | 376.9% |
How did BISB perform over the long term?
See historical performance and comparisonValuation
Is Bahrain Islamic Bank B.S.C undervalued compared to its fair value and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry
12.5x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate BISB's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate BISB's fair value for valuation analysis.
Price To Earnings Ratio
PE vs Industry: BISB's PE Ratio (12.5x) is in line with the BH Banks industry average.
PE vs Market: BISB is good value based on its PE Ratio (12.5x) compared to the BH market (13.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BISB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BISB is good value based on its PB Ratio (0.6x) compared to the BH Banks industry average (0.8x).
Future Growth
How is Bahrain Islamic Bank B.S.C forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
11.6%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Bahrain Islamic Bank B.S.C has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Past Performance
How has Bahrain Islamic Bank B.S.C performed over the past 5 years?
Past Performance Score
2/6Past Performance Score 2/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-37.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BISB has high quality earnings.
Growing Profit Margin: BISB became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: BISB's earnings have declined by 37.8% per year over the past 5 years.
Accelerating Growth: BISB has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: BISB has become profitable in the last year, making it difficult to compare its past year earnings growth to the Banks industry (42.3%).
Return on Equity
High ROE: BISB's Return on Equity (5.2%) is considered low.
Financial Health
How is Bahrain Islamic Bank B.S.C's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
2/6Financial Health Score 2/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BISB's Assets to Equity ratio (10.7x) is moderate.
Allowance for Bad Loans: BISB has a low allowance for bad loans (55%).
Low Risk Liabilities: 81% of BISB's liabilities are made up of primarily higher risk sources of funding.
Loan Level: BISB has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: BISB's Loans to Deposits ratio (376%) is high.
Level of Bad Loans: BISB has a high level of bad loans (6.3%).
Dividend
What is Bahrain Islamic Bank B.S.C current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate BISB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate BISB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if BISB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if BISB's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: BISB is not paying a notable dividend for the BH market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of BISB's dividend in 3 years as they are not forecast to pay a notable one for the BH market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
5.9yrs
Average management tenure
CEO
Hassan Jarrar
6.83yrs
Tenure
Mr. Hassan Amin Jarrar has been the Chief Executive Officer of Bahrain Islamic Bank B.S.C. since July 1, 2015. Mr. Jarrar served as the Chief Executive Officer for Bahrain at Standard Chartered PLC from De...
Leadership Team
Experienced Management: BISB's management team is seasoned and experienced (5.9 years average tenure).
Board Members
Experienced Board: BISB's board of directors are considered experienced (3.2 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Bahrain Islamic Bank B.S.C.'s employee growth, exchange listings and data sources
Key Information
- Name: Bahrain Islamic Bank B.S.C.
- Ticker: BISB
- Exchange: BAX
- Founded: 1979
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: ب.د84.656m
- Shares outstanding: 1.06b
- Website: https://www.bisb.com
Location
- Bahrain Islamic Bank B.S.C.
- Al Salam Tower, Building 722
- Block 317, Road 1708
- Manama
- Bahrain
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/05/16 00:00 |
| End of Day Share Price | 2022/04/27 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/12/31 |
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 here.