NOT FOR DISTRIBUTION
Header cover image

Capital Bank of Jordan

Market Cap

د.أ356.0m

Last Updated

2021/09/20 15:28 UTC

Data Sources

Company Financials

Executive Summary

Capital Bank of Jordan provides various commercial and investment banking services to individuals and corporate clients in Jordan, Iraq, the Middle East, Europe, Asia, the United States, Near East, and the Far-East. More Details


Snowflake Analysis

Adequate balance sheet with proven track record.

Share Price & News

How has Capital Bank of Jordan's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: EXFB is not significantly more volatile than the rest of JO stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: EXFB's weekly volatility (3%) has been stable over the past year.


Market Performance


7 Day Return

-3.8%

EXFB

-0.1%

JO Banks

-0.1%

JO Market


1 Year Return

87.4%

EXFB

19.7%

JO Banks

36.3%

JO Market

Return vs Industry: EXFB exceeded the JO Banks industry which returned 19.7% over the past year.

Return vs Market: EXFB exceeded the JO Market which returned 36.3% over the past year.


Shareholder returns

EXFBIndustryMarket
7 Day-3.8%-0.1%-0.1%
30 Day8.5%2.3%2.4%
90 Day15.6%-3.8%-5.3%
1 Year105.2%87.4%24.8%19.7%40.4%36.3%
3 Year145.4%102.3%-13.9%-21.5%11.2%0.6%
5 Year181.6%97.8%-5.1%-21.6%17.6%-2.8%

Long-Term Price Volatility Vs. Market

How volatile is Capital Bank of Jordan's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Capital Bank of Jordan undervalued compared to its fair value and its price relative to the market?

6.35x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: EXFB (JOD1.78) is trading above our estimate of fair value (JOD0)

Significantly Below Fair Value: EXFB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: EXFB is good value based on its PE Ratio (6.4x) compared to the JO Banks industry average (15.3x).

PE vs Market: EXFB is good value based on its PE Ratio (6.4x) compared to the JO market (13.5x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: EXFB is overvalued based on its PB Ratio (1.1x) compared to the JO Banks industry average (0.8x).


Future Growth

How is Capital Bank of Jordan forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

11.0%

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 Capital Bank of Jordan 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 Capital Bank of Jordan performed over the past 5 years?

29.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: EXFB has a high level of non-cash earnings.

Growing Profit Margin: EXFB's current net profit margins (57.2%) are higher than last year (25.6%).


Past Earnings Growth Analysis

Earnings Trend: EXFB has become profitable over the past 5 years, growing earnings by 29.2% per year.

Accelerating Growth: EXFB's earnings growth over the past year (159.3%) exceeds its 5-year average (29.2% per year).

Earnings vs Industry: EXFB earnings growth over the past year (159.3%) exceeded the Banks industry -12%.


Return on Equity

High ROE: EXFB's Return on Equity (15.7%) is considered low.


Financial Health

How is Capital Bank of Jordan's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: EXFB's Assets to Equity ratio (9.6x) is low.

Allowance for Bad Loans: EXFB has a low allowance for bad loans (97%).

Low Risk Liabilities: 79% of EXFB's liabilities are made up of primarily low risk sources of funding.

Loan Level: EXFB has an appropriate level of Loans to Assets ratio (50%).

Low Risk Deposits: EXFB's Loans to Deposits ratio (71%) is appropriate.

Level of Bad Loans: EXFB has a high level of bad loans (5%).


Dividend

What is Capital Bank of Jordan current dividend yield, its reliability and sustainability?

6.74%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: EXFB's dividend (6.74%) is higher than the bottom 25% of dividend payers in the JO market (3.56%).

High Dividend: EXFB's dividend (6.74%) is low compared to the top 25% of dividend payers in the JO market (6.82%).


Stability and Growth of Payments

Stable Dividend: EXFB has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: EXFB's dividend payments have increased, but the company has only paid a dividend for 8 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (42.8%), EXFB's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

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

3.0yrs

Average management tenure


CEO

Dawod Dawod Al Ghoul (50 yo)

1.67yrs

Tenure

د.أ497,913

Compensation

Mr. Dawod Mohammad Dawod Al Ghoul serves as Chief Executive Officer at Capital Bank of Jordan since 2020. He had been Director of Capital Bank of Jordan since May 24, 2017 until March 1, 2020. He had been...


CEO Compensation Analysis

Compensation vs Market: Dawod's total compensation ($USD702.37K) is about average for companies of similar size in the JO market ($USD699.50K).

Compensation vs Earnings: Dawod's compensation has increased by more than 20% in the past year.


Leadership Team

Experienced Management: EXFB's management team is considered experienced (3 years average tenure).


Board Members

Experienced Board: EXFB's board of directors are considered experienced (8.9 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

Capital Bank of Jordan's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Capital Bank of Jordan
  • Ticker: EXFB
  • Exchange: ASE
  • Founded: 1995
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: د.أ356.000m
  • Shares outstanding: 200.00m
  • Website: https://www.capitalbank.jo

Number of Employees


Location

  • Capital Bank of Jordan
  • 54 Issam Ajlouni Street
  • Shmeisani
  • Amman
  • 11194
  • Jordan

Listings


Biography

Capital Bank of Jordan provides various commercial and investment banking services to individuals and corporate clients in Jordan, Iraq, the Middle East, Europe, Asia, the United States, Near East, and the...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/20 15:28
End of Day Share Price2021/09/20 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.