Byblos Bank S.A.L. provides various banking products and services for individuals and businesses in Lebanon and internationally. More Details
Adequate balance sheet with weak fundamentals.
Share Price & News
How has Byblos BankL's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: Insufficient data to determine BYB's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine BYB's volatility change over the past year.
7 Day Return
1 Year Return
Return vs Industry: BYB underperformed the LB Banks industry which returned -4% over the past year.
Return vs Market: BYB underperformed the LB Market which returned 18.6% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Byblos BankL's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Byblos BankL undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate BYB's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate BYB's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: BYB is unprofitable, so we can't compare its PE Ratio to the XA Banks industry average.
PE vs Market: BYB is unprofitable, so we can't compare its PE Ratio to the LB market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BYB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BYB's PB Ratio (0.2x) is in line with the LB Banks industry average.
How is Byblos BankL 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 Byblos BankL 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 Byblos BankL performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BYB is currently unprofitable.
Growing Profit Margin: BYB is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: BYB is unprofitable, and losses have increased over the past 5 years at a rate of 39.7% per year.
Accelerating Growth: Unable to compare BYB's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: BYB is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (-7.2%).
Return on Equity
High ROE: BYB has a negative Return on Equity (-13.46%), as it is currently unprofitable.
How is Byblos BankL'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: BYB's Assets to Equity ratio (12.1x) is moderate.
Allowance for Bad Loans: BYB has a low allowance for bad loans (86%).
Low Risk Liabilities: 86% of BYB's liabilities are made up of primarily low risk sources of funding.
Loan Level: BYB has an appropriate level of Loans to Assets ratio (15%).
Low Risk Deposits: BYB's Loans to Deposits ratio (19%) is appropriate.
Level of Bad Loans: BYB has a high level of bad loans (6.2%).
What is Byblos BankL current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate BYB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate BYB'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 BYB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if BYB's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: BYB is not paying a notable dividend for the LB market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of BYB's dividend in 3 years as they are not forecast to pay a notable one for the LB market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Semaan Bassil (55 yo)
Semaan F. Bassil holds Bachelor of Arts in Business, with a minor in Finance, from Boston University in the US and a Masters’ Degree in Business administration and Management from Cambridge University in t...
|Chairman & General Manager||21yrs||no data||no data|
|Head of Group Finance & Administration Division||no data||no data||no data|
|Head of Group Operations Division||5.5yrs||no data||no data|
|Head of Group Technology Services||no data||no data||no data|
|Deputy GM||no data||no data||no data|
|Head of Group Legal Support||no data||no data||no data|
|Head of Group Communication||2.67yrs||no data||no data|
|Head of Group Human Resources Division||7.92yrs||no data||no data|
|Deputy GM and Head of Group Financial Markets & Financial Institutions||no data||no data||no data|
|Deputy GM & Head of Group Commercial Banking Division||no data||no data||no data|
|Deputy GM & Head of Group Consumer Banking||5.5yrs||no data||no data|
|Head of Group Anti-Money-Laundering & Regulatory compliance Department||no data||no data||no data|
Experienced Management: BYB's management team is seasoned and experienced (5.5 years average tenure).
|Chairman & General Manager||21yrs||no data||no data|
|Director||8.75yrs||no data||no data|
|Director||7yrs||no data||no data|
|Director||5.67yrs||no data||no data|
|Director||5.5yrs||no data||no data|
|Director||22yrs||no data||no data|
|Director||21yrs||no data||no data|
Experienced Board: BYB's board of directors are considered experienced (7 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.
Byblos Bank S.A.L.'s company bio, employee growth, exchange listings and data sources
- Name: Byblos Bank S.A.L.
- Ticker: BYB
- Exchange: BDB
- Founded: 1950
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: US$281.105m
- Shares outstanding: 562.21m
- Website: https://www.byblosbank.com
- Byblos Bank S.A.L.
- Elias Sarkis Avenue
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BYB||BDB (Bourse de Beyrouth)||Yes||Ordinary Shares||LB||USD||Oct 1996|
|BYB09||BDB (Bourse de Beyrouth)||LBP1210 PRF CLASS 2009||LB||USD||Jan 2010|
Byblos Bank S.A.L. provides various banking products and services for individuals and businesses in Lebanon and internationally. The company accepts current, savings, and other deposit accounts. Its loan p...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/01/20 22:31|
|End of Day Share Price||2021/01/08 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.