BDB:BYB

Stock Analysis Report

NOT FOR DISTRIBUTION
Header cover image

Executive Summary

Byblos Bank S.A.L. provides various banking products and services for individuals and businesses in Lebanon and internationally. More Details


Snowflake Analysis

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.


Market Performance


7 Day Return

0%

BYB

0%

LB Banks

0%

LB Market


1 Year Return

-50.0%

BYB

-4.0%

LB Banks

18.6%

LB Market

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.


Shareholder returns

BYBIndustryMarket
7 Day0%0%0%
30 Day-3.8%0.4%8.2%
90 Day13.6%15.0%10.7%
1 Year-50.0%-50.0%0.1%-4.0%18.6%18.6%
3 Year-62.2%-68.9%-62.0%-68.6%-28.8%-39.5%
5 Year-56.2%-69.3%54.3%26.7%-18.8%-37.8%

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

Valuation

Is Byblos BankL undervalued compared to its fair value and its price relative to the market?

0.23x

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.


Next Steps

Future Growth

How is Byblos BankL forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

11.8%

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.


Next Steps

Past Performance

How has Byblos BankL performed over the past 5 years?

-39.7%

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.


Next Steps

Financial Health

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


Balance Sheet


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%).


Next Steps

Dividend

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.


Next Steps

Management

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

5.5yrs

Average management tenure


CEO

Semaan Bassil (55 yo)

21yrs

Tenure

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...


Leadership Team

NamePositionTenureCompensationOwnership
Semaan Bassil
Chairman & General Manager21yrsno datano data
Ziad El Zoghbi
Head of Group Finance & Administration Divisionno datano datano data
Paul Chammas
Head of Group Operations Division5.5yrsno datano data
John Massaad
Head of Group Technology Servicesno datano datano data
Marwan Moharram
Deputy GMno datano datano data
Adel Zeidan
Head of Group Legal Supportno datano datano data
Nada Tawil
Head of Group Communication2.67yrsno datano data
Fadi Hayek
Head of Group Human Resources Division7.92yrsno datano data
Alain Wanna
Deputy GM and Head of Group Financial Markets & Financial Institutionsno datano datano data
Fadi Nassar
Deputy GM & Head of Group Commercial Banking Divisionno datano datano data
Joumana Chelala
Deputy GM & Head of Group Consumer Banking5.5yrsno datano data
Sharif Hachem
Head of Group Anti-Money-Laundering & Regulatory compliance Departmentno datano datano data

5.5yrs

Average Tenure

Experienced Management: BYB's management team is seasoned and experienced (5.5 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Semaan Bassil
Chairman & General Manager21yrsno datano data
Henry Toufic Azzam
Director8.75yrsno datano data
Des O'Shea
Director7yrsno datano data
Yves Jacquot
Director5.67yrsno datano data
Francois Bassil
Director5.5yrsno datano data
Ahmad Tabbarah
Director22yrsno datano data
Faisal Ali El Tabsh
Director21yrsno datano data

7.0yrs

Average Tenure

71yo

Average Age

Experienced Board: BYB's board of directors are considered experienced (7 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

Byblos Bank S.A.L.'s company bio, employee growth, exchange listings and data sources


Key Information

  • 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

Location

  • Byblos Bank S.A.L.
  • Elias Sarkis Avenue
  • Ashrafieh
  • Beirut
  • Lebanon

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BYBBDB (Bourse de Beyrouth)YesOrdinary SharesLBUSDOct 1996
BYB09BDB (Bourse de Beyrouth)LBP1210 PRF CLASS 2009LBUSDJan 2010

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/01/20 22:31
End of Day Share Price2021/01/08 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


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.