The Housing Bank for Trade and Finance provides various banking and financial products and services. More Details
Excellent balance sheet with poor track record.
Share Price & News
How has Housing Bank for Trade and Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: THBK is not significantly more volatile than the rest of JO stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: THBK's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: THBK underperformed the JO Banks industry which returned 20% over the past year.
Return vs Market: THBK underperformed the JO Market which returned 36.7% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Housing Bank for Trade and Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Housing Bank for Trade and Finance undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate THBK's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate THBK's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: THBK is poor value based on its PE Ratio (20.1x) compared to the JO Banks industry average (15.2x).
PE vs Market: THBK is poor value based on its PE Ratio (20.1x) compared to the JO market (13.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate THBK's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: THBK is overvalued based on its PB Ratio (1.1x) compared to the JO Banks industry average (0.8x).
How is Housing Bank for Trade and Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
How has Housing Bank for Trade and Finance performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: THBK has high quality earnings.
Growing Profit Margin: THBK's current net profit margins (23.3%) are lower than last year (24.1%).
Past Earnings Growth Analysis
Earnings Trend: THBK's earnings have declined by 19.8% per year over the past 5 years.
Accelerating Growth: THBK's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: THBK had negative earnings growth (-14.1%) over the past year, making it difficult to compare to the Banks industry average (-14.1%).
Return on Equity
High ROE: THBK's Return on Equity (5.9%) is considered low.
How is Housing Bank for Trade and Finance's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: THBK's Assets to Equity ratio (7.1x) is low.
Allowance for Bad Loans: THBK has a sufficient allowance for bad loans (178%).
Low Risk Liabilities: 87% 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 (51%).
Low Risk Deposits: THBK's Loans to Deposits ratio (69%) is appropriate.
Level of Bad Loans: THBK has a high level of bad loans (5.2%).
What is Housing Bank for Trade and Finance current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: THBK's dividend (2.86%) isn’t notable compared to the bottom 25% of dividend payers in the JO market (3.53%).
High Dividend: THBK's dividend (2.86%) is low compared to the top 25% of dividend payers in the JO market (6.82%).
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 fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (57.6%), 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 and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ammar Al-Safadi (54 yo)
Mr. Ammar Bashir Al-Safadi has been the General Manager and Chief Executive Officer at Housing Bank for Trade and Finance since December 9, 2018. Mr. Safadi has experience in the field of banking and finan...
CEO Compensation Analysis
Compensation vs Market: Ammar's total compensation ($USD1.32M) is above average for companies of similar size in the JO market ($USD420.10K).
Compensation vs Earnings: Insufficient data to compare Ammar's compensation with company performance.
Experienced Management: THBK's management team is considered experienced (4 years average tenure).
Experienced Board: THBK's board of directors are considered experienced (4.4 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.
The Housing Bank for Trade and Finance's company bio, 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
- Market Cap: د.أ1.210b
- Shares outstanding: 315.00m
- Website: https://www.hbtf.com
Number of Employees
- The Housing Bank for Trade and Finance
- Al -Shumaysani -Prince Shaker Bin Zaid street
- PO Box 7693
The Housing Bank for Trade and Finance provides various banking and financial products and services. It operates through Retail Banking, Corporate, Corporate Finance, and Treasury segments. The Retail Bank...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/16 15:26|
|End of Day Share Price||2021/09/16 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.