CBOM Stock Overview
Credit Bank of Moscow (public joint-stock company) provides various banking products and services in Russia.
No risks detected for CBOM from our risk checks.
Credit Bank of Moscow Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₽5.26|
|52 Week High||₽7.46|
|52 Week Low||₽4.63|
|1 Month Change||-5.60%|
|3 Month Change||-2.46%|
|1 Year Change||-18.64%|
|3 Year Change||-11.75%|
|5 Year Change||16.95%|
|Change since IPO||43.04%|
Recent News & Updates
|CBOM||RU Banks||RU Market|
Return vs Industry: CBOM exceeded the Russian Banks industry which returned -53.1% over the past year.
Return vs Market: CBOM exceeded the Russian Market which returned -24.2% over the past year.
|CBOM Average Weekly Movement||5.3%|
|Banks Industry Average Movement||9.2%|
|Market Average Movement||7.6%|
|10% most volatile stocks in RU Market||13.3%|
|10% least volatile stocks in RU Market||4.8%|
Stable Share Price: CBOM is less volatile than 75% of Russian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: CBOM's weekly volatility (5%) has been stable over the past year.
About the Company
|1992||n/a||Vladimir Alexandrovich Chubar||https://www.mkb.ru|
Credit Bank of Moscow (public joint-stock company) provides various banking products and services in Russia. The company operates through six segments: Corporate Business, Retail Banking, Investment, Treasury, Cash Operations, and Subsidiary Banks. It accepts corporate and retail demand, and term deposit services; and offers banking cards.
Credit Bank of Moscow Fundamentals Summary
|CBOM fundamental statistics|
Is CBOM overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CBOM income statement (TTM)|
|Cost of Revenue||₽0|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||0.78|
|Net Profit Margin||41.96%|
How did CBOM perform over the long term?See historical performance and comparison
Is CBOM undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
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 CBOM?
Other financial metrics that can be useful for relative valuation.
|What is CBOM's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does CBOM's PE Ratio compare to its peers?
|CBOM PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: CBOM is good value based on its Price-To-Earnings Ratio (6.7x) compared to the peer average (7x).
Price to Earnings Ratio vs Industry
How does CBOM's PE Ratio compare vs other companies in the Banks Industry?
Price-To-Earnings vs Industry: CBOM is expensive based on its Price-To-Earnings Ratio (6.7x) compared to the Russian Banks industry average (5.8x)
Price to Earnings Ratio vs Fair Ratio
What is CBOM'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||6.7x|
|Fair PE Ratio||4.5x|
Price-To-Earnings vs Fair Ratio: CBOM is expensive based on its Price-To-Earnings Ratio (6.7x) compared to the estimated Fair Price-To-Earnings Ratio (4.5x).
Share Price vs Fair Value
What is the Fair Price of CBOM when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: CBOM (RUB5.26) is trading above our estimate of fair value (RUB2.43)
Significantly Below Fair Value: CBOM is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: CBOM is good value based on its PEG Ratio (0.3x)
Discover undervalued companies
How is Credit Bank of Moscow forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CBOM's forecast earnings growth (19.5% per year) is above the savings rate (7.3%).
Earnings vs Market: CBOM's earnings (19.5% per year) are forecast to grow faster than the Russian market (1.6% per year).
High Growth Earnings: CBOM's earnings are forecast to grow, but not significantly.
Revenue vs Market: CBOM's revenue (12.7% per year) is forecast to grow faster than the Russian market (2.7% per year).
High Growth Revenue: CBOM's revenue (12.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CBOM's Return on Equity is forecast to be low in 3 years time (16%).
Discover growth companies
How has Credit Bank of Moscow performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CBOM has high quality earnings.
Growing Profit Margin: CBOM's current net profit margins (42%) are lower than last year (44.7%).
Past Earnings Growth Analysis
Earnings Trend: CBOM's earnings have grown by 13.2% per year over the past 5 years.
Accelerating Growth: CBOM's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CBOM had negative earnings growth (-2.2%) over the past year, making it difficult to compare to the Banks industry average (52.4%).
Return on Equity
High ROE: CBOM's Return on Equity (9.3%) is considered low.
Discover strong past performing companies
How is Credit Bank of Moscow'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: CBOM's Assets to Equity ratio (12.2x) is moderate.
Allowance for Bad Loans: CBOM has a sufficient allowance for bad loans (167%).
Low Risk Liabilities: 63% of CBOM's liabilities are made up of primarily low risk sources of funding.
Loan Level: CBOM has an appropriate level of Loans to Assets ratio (39%).
Low Risk Deposits: CBOM's Loans to Deposits ratio (67%) is appropriate.
Level of Bad Loans: CBOM has a high level of bad loans (2.5%).
Discover healthy companies
What is Credit Bank of Moscow current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CBOM's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CBOM'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 CBOM's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CBOM's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: CBOM is not paying a notable dividend for the Russian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CBOM's dividend in 3 years as they are not forecast to pay a notable one for the Russian market.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Vladimir Alexandrovich Chubar (42 yo)
Mr. Vladimir Alexandrovich Chubar has been Member of the Supervisory Board of PAO Credit Bank since October 2010, Chairman of the Management Board since February 2012 and Member of the Management Board sin...
Experienced Management: CBOM's management team is considered experienced (4.3 years average tenure).
Experienced Board: CBOM's board of directors are considered experienced (6.8 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.
Credit Bank of Moscow (public joint-stock company)'s employee growth, exchange listings and data sources
- Name: Credit Bank of Moscow (public joint-stock company)
- Ticker: CBOM
- Exchange: MISX
- Founded: 1992
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: ₽175.974b
- Shares outstanding: 33.43b
- Website: https://www.mkb.ru
Number of Employees
- Credit Bank of Moscow (public joint-stock company)
- Building 1
- 2, Lukov Pereulok
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/06/24 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.