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KHCB

Khaleeji Commercial Bank BSC BAX:KHCB Stock Report

Last Price

ب.د0.075

Market Cap

ب.د60.3m

7D

0%

1Y

36.4%

Updated

22 May, 2022

Data

Company Financials
KHCB fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance2/6
Financial Health2/6
Dividends0/6

KHCB Stock Overview

Khaleeji Commercial Bank BSC provides various banking products and services to retail customers, corporate clients, high net worth individuals, and financial institutions in the Kingdom of Bahrain.

Khaleeji Commercial Bank BSC Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for Khaleeji Commercial Bank BSC
Historical stock prices
Current Share Priceب.د0.075
52 Week Highب.د0.10
52 Week Lowب.د0.05
Beta0.74
1 Month Change0%
3 Month Change-8.54%
1 Year Change36.36%
3 Year Change4.46%
5 Year Change-36.91%
Change since IPO-96.57%

Recent News & Updates

Shareholder Returns

KHCBBH BanksBH Market
7D0%-3.7%-2.3%
1Y36.4%25.3%27.0%

Return vs Industry: KHCB exceeded the BH Banks industry which returned 25.3% over the past year.

Return vs Market: KHCB exceeded the BH Market which returned 27% over the past year.

Price Volatility

Is KHCB's price volatile compared to industry and market?
KHCB volatility
KHCB Average Weekly Movementn/a
Banks Industry Average Movement4.3%
Market Average Movement2.8%
10% most volatile stocks in BH Market6.1%
10% least volatile stocks in BH Market1.7%

Stable Share Price: Insufficient data to determine KHCB's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine KHCB's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
2004n/aSattam Al Gosaibihttps://www.khcbonline.com

Khaleeji Commercial Bank BSC provides various banking products and services to retail customers, corporate clients, high net worth individuals, and financial institutions in the Kingdom of Bahrain. The company operates through two segments, Corporate and Retail Banking, and Investment Banking. It offers various corporate and retail banking products and services that include Mudharaba, savings, and current accounts; and fund transfer and bill payment services, as well as money market and treasury services.

Khaleeji Commercial Bank BSC Fundamentals Summary

How do Khaleeji Commercial Bank BSC's earnings and revenue compare to its market cap?
KHCB fundamental statistics
Market Capب.د60.27m
Earnings (TTM)ب.د6.20m
Revenue (TTM)ب.د23.93m

9.7x

P/E Ratio

0.4x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
KHCB income statement (TTM)
Revenueب.د23.93m
Cost of Revenueب.د0
Gross Profitب.د23.93m
Other Expensesب.د17.74m
Earningsب.د6.20m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)0.0077
Gross Margin100.00%
Net Profit Margin25.89%
Debt/Equity Ratio252.6%

How did KHCB perform over the long term?

See historical performance and comparison

Valuation

Is Khaleeji Commercial Bank BSC undervalued compared to its fair value and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


9.74x

Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate KHCB's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate KHCB's fair value for valuation analysis.


Price To Earnings Ratio

PE vs Industry: KHCB's PE Ratio (9.7x) is in line with the BH Banks industry average.

PE vs Market: KHCB is good value based on its PE Ratio (9.7x) compared to the BH market (13.6x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate KHCB's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: KHCB is good value based on its PB Ratio (0.4x) compared to the BH Banks industry average (0.7x).


Future Growth

How is Khaleeji Commercial Bank BSC forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


11.9%

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 Khaleeji Commercial Bank BSC 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 Khaleeji Commercial Bank BSC performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-0.9%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: KHCB has high quality earnings.

Growing Profit Margin: KHCB's current net profit margins (25.9%) are lower than last year (30.7%).


Past Earnings Growth Analysis

Earnings Trend: KHCB's earnings have declined by 0.9% per year over the past 5 years.

Accelerating Growth: KHCB's earnings growth over the past year (6.4%) exceeds its 5-year average (-0.9% per year).

Earnings vs Industry: KHCB earnings growth over the past year (6.4%) underperformed the Banks industry 42.3%.


Return on Equity

High ROE: KHCB's Return on Equity (7.7%) is considered low.


Financial Health

How is Khaleeji Commercial Bank BSC's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

2/6

Financial 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: KHCB's Assets to Equity ratio (7.8x) is low.

Allowance for Bad Loans: KHCB has a low allowance for bad loans (90%).

Low Risk Liabilities: 95% of KHCB's liabilities are made up of primarily higher risk sources of funding.

Loan Level: KHCB has an appropriate level of Loans to Assets ratio (28%).

Low Risk Deposits: KHCB's Loans to Deposits ratio (621%) is high.

Level of Bad Loans: KHCB has a high level of bad loans (6.3%).


Dividend

What is Khaleeji Commercial Bank BSC current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend 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 KHCB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate KHCB'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 KHCB's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if KHCB's dividend payments have been increasing.


Current Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of KHCB's dividend in 3 years as they are not forecast to pay a notable one for the BH market.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

3.5yrs

Average management tenure


CEO

Sattam Al Gosaibi

4.08yrs

Tenure

Mr. Sattam Sulaiman Al Gosaibi has been the Chief Executive Officer at Khaleeji Commercial Bank BSC since April 1, 2018. He serves as Chief Executive Officer of Khaleeji Commercial Bank at GFH Financial Gr...


Leadership Team

Experienced Management: KHCB's management team is considered experienced (3.5 years average tenure).


Board Members

Experienced Board: KHCB's board of directors are not considered experienced ( 1.7 years average tenure), which suggests a new board.


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

Khaleeji Commercial Bank BSC's employee growth, exchange listings and data sources


Key Information

  • Name: Khaleeji Commercial Bank BSC
  • Ticker: KHCB
  • Exchange: BAX
  • Founded: 2004
  • Industry: Diversified Banks
  • Sector: Banks
  • Implied Market Cap: ب.د60.266m
  • Shares outstanding: 803.54m
  • Website: https://www.khcbonline.com

Location

  • Khaleeji Commercial Bank BSC
  • East Tower
  • Bahrain Financial Harbour
  • Manama
  • Bahrain

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/22 00:00
End of Day Share Price2022/05/11 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.