The Commercial Bank (P.S.Q.C.)

DSM:CBQK Stock Report

Market Cap: ر.ق17.6b

Commercial Bank (P.S.Q.C.) Past Earnings Performance

Past criteria checks 3/6

Commercial Bank (P.S.Q.C.) has been growing earnings at an average annual rate of 14.9%, while the Banks industry saw earnings growing at 6.7% annually. Revenues have been growing at an average rate of 9.3% per year. Commercial Bank (P.S.Q.C.)'s return on equity is 11.7%, and it has net margins of 64.2%.

Key information

14.9%

Earnings growth rate

16.5%

EPS growth rate

Banks Industry Growth3.8%
Revenue growth rate9.3%
Return on equity11.7%
Net Margin64.2%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Commercial Bank (P.S.Q.C.) makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DSM:CBQK Revenue, expenses and earnings (QAR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 244,3452,7919150
30 Jun 244,5552,9458350
31 Mar 244,6962,9518500
31 Dec 234,6142,7271,0530
30 Sep 234,3872,6038850
30 Jun 234,2192,4479530
31 Mar 234,0412,4278940
31 Dec 224,1462,5278610
30 Sep 223,8312,0691,0570
30 Jun 223,8632,1041,1060
31 Mar 223,8952,0751,2160
31 Dec 213,7172,0401,1960
30 Sep 213,3502,0151,1570
30 Jun 212,9841,5041,0750
31 Mar 212,8951,2799960
31 Dec 202,6621,0788080
30 Sep 203,5321,4568820
30 Jun 203,5581,7348740
31 Mar 203,3141,7448610
31 Dec 193,2751,7819730
30 Sep 192,8681,6538520
30 Jun 192,6941,5278370
31 Mar 192,6691,4698440
31 Dec 182,6731,4348440
30 Sep 182,6531,3648490
30 Jun 182,4021,0398750
31 Mar 182,0696778750
31 Dec 171,7863648980
30 Sep 171,855409780
30 Jun 171,843-401,0020
31 Mar 171,989841,0390
31 Dec 162,2332811,0680
30 Sep 162,1075701,0910
30 Jun 162,5368171,1040
31 Mar 162,9201,1471,1060
31 Dec 153,0511,2811,0930
30 Sep 153,2051,4611,0790
30 Jun 153,2181,7011,0750
31 Mar 153,1291,6791,0760
31 Dec 143,2301,7601,0790
30 Sep 143,2601,8101,0970
30 Jun 143,0341,6041,0930
31 Mar 142,9131,6031,0090
31 Dec 132,7201,6049190

Quality Earnings: CBQK has high quality earnings.

Growing Profit Margin: CBQK's current net profit margins (64.2%) are higher than last year (59.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CBQK's earnings have grown by 14.9% per year over the past 5 years.

Accelerating Growth: CBQK's earnings growth over the past year (7.2%) is below its 5-year average (14.9% per year).

Earnings vs Industry: CBQK earnings growth over the past year (7.2%) did not outperform the Banks industry 7.9%.

Return on Equity

High ROE: CBQK's Return on Equity (11.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 11:58
End of Day Share Price 2024/12/23 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

The Commercial Bank (P.S.Q.C.) is covered by 24 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jaap MeijerArqaam Capital Research Offshore S.A.L.
Nancy FahmyBeltone Financial
Munir ShahinBofA Global Research