THBK Stock Overview
The Housing Bank for Trade and Finance provides various banking and financial products and services.
Housing Bank for Trade and Finance Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||د.أ3.70|
|52 Week High||د.أ4.14|
|52 Week Low||د.أ3.43|
|1 Month Change||-3.65%|
|3 Month Change||2.78%|
|1 Year Change||-4.15%|
|3 Year Change||-36.97%|
|5 Year Change||-55.79%|
|Change since IPO||233.94%|
Recent News & Updates
|THBK||JO Banks||JO Market|
Return vs Industry: THBK underperformed the JO Banks industry which returned 2.6% over the past year.
Return vs Market: THBK underperformed the JO Market which returned 19.6% over the past year.
|THBK Average Weekly Movement||3.0%|
|Banks Industry Average Movement||3.1%|
|Market Average Movement||4.3%|
|10% most volatile stocks in JO Market||6.4%|
|10% least volatile stocks in JO Market||2.4%|
Stable Share Price: THBK is less volatile than 75% of JO stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: THBK's weekly volatility (3%) has been stable over the past year.
About the Company
The Housing Bank for Trade and Finance provides various banking and financial products and services. The company offers savings, salaries, basic bank, time deposit, and current accounts; housing, auto, small business, and personal loans; credit and debit cards, and virtual prepaid cards; money transfer, online payments, and bank drafts; platform for spot trading in precious metals, as well as spot and forward trading in foreign currencies; e-services; and automated teller machines. It also provides direct facilities, including overdraft, discounted bills, and contractors financing, as well as real estate investment, long-term, syndicated, and revolving loans; loans in foreign currency; indirect trade facility comprising inward and outward letter of credit, bills of collection, and letter of guarantee; mobile and online electronic services; industrial, start-ups business, productive, business vehicle, and tourism loan; and bonded warehouse services.
Housing Bank for Trade and Finance Fundamentals Summary
|THBK fundamental statistics|
Is THBK overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|THBK income statement (TTM)|
|Cost of Revenue||د.أ0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||0.38|
|Net Profit Margin||35.00%|
How did THBK perform over the long term?See historical performance and comparison
5.4%Current Dividend Yield
Is THBK undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 1/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for THBK?
Other financial metrics that can be useful for relative valuation.
|What is THBK's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does THBK's PE Ratio compare to its peers?
|THBK PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
JOIB Jordan Islamic Bank
CAPL Capital Bank of Jordan
BOJX Bank of Jordan
ARBK Arab Bank Group
THBK Housing Bank for Trade and Finance
Price-To-Earnings vs Peers: THBK is good value based on its Price-To-Earnings Ratio (9.7x) compared to the peer average (11.2x).
Price to Earnings Ratio vs Industry
How does THBK's PE Ratio compare vs other companies in the Asian Banks Industry?
Price-To-Earnings vs Industry: THBK is expensive based on its Price-To-Earnings Ratio (9.7x) compared to the Asian Banks industry average (8.7x)
Price to Earnings Ratio vs Fair Ratio
What is THBK's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||9.7x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate THBK's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of THBK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate THBK's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate THBK's fair value for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Housing Bank for Trade and Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 Housing Bank for Trade and Finance 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.
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- Examine Housing Bank for Trade and Finance's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
How has Housing Bank for Trade and Finance performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: THBK has a high level of non-cash earnings.
Growing Profit Margin: THBK's current net profit margins (35%) are higher than last year (23.3%).
Past Earnings Growth Analysis
Earnings Trend: THBK's earnings have declined by 8.6% per year over the past 5 years.
Accelerating Growth: THBK's earnings growth over the past year (99%) exceeds its 5-year average (-8.6% per year).
Earnings vs Industry: THBK earnings growth over the past year (99%) exceeded the Banks industry 35.3%.
Return on Equity
High ROE: THBK's Return on Equity (10.2%) is considered low.
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How is Housing Bank for Trade and Finance's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: THBK's Assets to Equity ratio (7x) is low.
Allowance for Bad Loans: THBK has a sufficient allowance for bad loans (194%).
Low Risk Liabilities: 85% of THBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: THBK has an appropriate level of Loans to Assets ratio (52%).
Low Risk Deposits: THBK's Loans to Deposits ratio (71%) is appropriate.
Level of Bad Loans: THBK has a high level of bad loans (4.9%).
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What is Housing Bank for Trade and Finance current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: THBK's dividend (5.41%) is higher than the bottom 25% of dividend payers in the JO market (4.14%).
High Dividend: THBK's dividend (5.41%) is low compared to the top 25% of dividend payers in the JO market (6.55%).
Stability and Growth of Payments
Stable Dividend: THBK's dividend payments have been volatile in the past 10 years.
Growing Dividend: THBK's dividend payments have not increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (52.6%), THBK's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ammar Al-Safadi (55 yo)
Mr. Ammar Bashir Al-Safadi is the Chairman of The International Bank for Trade & Finance (formerly known as The International Bank for Trade and Finance). He has been the General Manager and Chief Executiv...
CEO Compensation Analysis
Compensation vs Market: Ammar's total compensation ($USD1.07M) is above average for companies of similar size in the JO market ($USD241.32K).
Compensation vs Earnings: Ammar's compensation has been consistent with company performance over the past year.
Experienced Management: THBK's management team is seasoned and experienced (5 years average tenure).
Experienced Board: THBK's board of directors are considered experienced (6.4 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
The Housing Bank for Trade and Finance's employee growth, exchange listings and data sources
- Name: The Housing Bank for Trade and Finance
- Ticker: THBK
- Exchange: ASE
- Founded: 1973
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: د.أ1.166b
- Shares outstanding: 315.00m
- Website: https://www.hbtf.com
Number of Employees
- The Housing Bank for Trade and Finance
- Prince Shaker bin Zaid Street
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|THBK||ASE (Amman Stock Exchange)||Yes||Ordinary Shares||JO||JOD||Dec 1994|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/25 00:00|
|End of Day Share Price||2022/09/25 00:00|
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.