The Saudi British Bank Logo

The Saudi British Bank

1060.SR

(3.0)
Stock Price

31,75 SAR

2.09% ROA

13.18% ROE

9.04x PER

Market Cap.

70.068.339.000,00 SAR

68.58% DER

5.81% Yield

40.51% NPM

The Saudi British Bank Stock Analysis

The Saudi British Bank Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Saudi British Bank Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (9%), which means it has a small amount of debt compared to the ownership it holds

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 ROE

ROE in an average range (11.67%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (1.98%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.32x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

8 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

9 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

10 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

11 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock seems overpriced (15), indicating a potential drawback for investors as its market price exceeds its estimated intrinsic value.

The Saudi British Bank Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Saudi British Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

The Saudi British Bank Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Saudi British Bank Revenue
Year Revenue Growth
2006 4.355.332.000
2007 4.946.668.000 11.95%
2008 5.441.987.000 9.1%
2009 4.719.346.000 -15.31%
2010 4.581.142.000 -3.02%
2011 4.590.731.000 0.21%
2012 5.168.072.000 11.17%
2013 5.747.529.000 10.08%
2014 6.503.768.000 11.63%
2015 6.640.258.000 2.06%
2016 6.859.064.000 3.19%
2017 7.078.053.000 3.09%
2018 7.390.867.000 4.23%
2019 9.389.310.000 21.28%
2020 8.875.354.000 -5.79%
2021 7.942.951.000 -11.74%
2022 9.701.005.000 18.12%
2023 13.051.708.000 25.67%
2023 12.705.748.000 -2.72%
2024 25.715.680.000 50.59%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Saudi British Bank Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Saudi British Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 -371.089.000
2007 -1.649.999.000 77.51%
2008 -1.955.151.000 15.61%
2009 -1.920.949.000 -1.78%
2010 0 0%
2011 0 0%
2012 375.322.000 100%
2013 428.265.000 12.36%
2014 542.106.000 21%
2015 529.267.000 -2.43%
2016 601.219.000 11.97%
2017 697.414.000 13.79%
2018 748.180.000 6.79%
2019 1.350.636.000 44.61%
2020 1.630.006.000 17.14%
2021 1.268.366.000 -28.51%
2022 1.337.942.000 5.2%
2023 1.322.924.000 -1.14%
2023 1.386.042.000 4.55%
2024 1.420.504.000 2.43%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Saudi British Bank EBITDA
Year EBITDA Growth
2006 3.140.430.000
2007 2.709.252.000 -15.92%
2008 3.028.481.000 10.54%
2009 2.139.491.000 -41.55%
2010 1.988.445.000 -7.6%
2011 2.976.792.000 33.2%
2012 3.352.429.000 11.2%
2013 3.865.328.000 13.27%
2014 4.352.486.000 11.19%
2015 4.427.104.000 1.69%
2016 4.005.634.000 -10.52%
2017 4.079.363.000 1.81%
2018 5.064.573.000 19.45%
2019 3.721.743.000 -36.08%
2020 -3.588.474.000 203.71%
2021 4.527.912.000 179.25%
2022 6.174.697.000 26.67%
2023 9.238.624.000 33.16%
2023 8.788.745.000 -5.12%
2024 464.684.000 -1791.34%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Saudi British Bank Gross Profit
Year Gross Profit Growth
2006 4.355.332.000
2007 4.946.668.000 11.95%
2008 5.441.987.000 9.1%
2009 4.719.346.000 -15.31%
2010 4.581.142.000 -3.02%
2011 4.590.731.000 0.21%
2012 5.168.072.000 11.17%
2013 5.747.529.000 10.08%
2014 6.503.768.000 11.63%
2015 6.640.258.000 2.06%
2016 6.859.064.000 3.19%
2017 7.078.053.000 3.09%
2018 7.390.867.000 4.23%
2019 9.389.310.000 21.28%
2020 8.875.354.000 -5.79%
2021 7.942.951.000 -11.74%
2022 9.701.005.000 18.12%
2023 13.051.708.000 25.67%
2023 12.705.748.000 -2.72%
2024 15.672.000.000 18.93%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Saudi British Bank Net Profit
Year Net Profit Growth
2006 3.040.280.000
2007 2.606.939.000 -16.62%
2008 2.920.019.000 10.72%
2009 2.032.277.000 -43.68%
2010 1.883.152.000 -7.92%
2011 2.888.435.000 34.8%
2012 3.240.316.000 10.86%
2013 3.773.810.000 14.14%
2014 4.266.061.000 11.54%
2015 4.330.547.000 1.49%
2016 3.894.731.000 -11.19%
2017 3.954.578.000 1.51%
2018 4.933.108.000 19.84%
2019 2.830.320.000 -74.3%
2020 -4.167.596.000 167.91%
2021 3.204.427.000 230.06%
2022 4.827.605.000 33.62%
2023 7.321.312.000 34.06%
2023 7.002.373.000 -4.55%
2024 8.073.040.000 13.26%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Saudi British Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 4
2007 2 -100%
2008 2 0%
2009 1 -100%
2010 1 0%
2011 2 0%
2012 2 50%
2013 3 0%
2014 3 0%
2015 3 0%
2016 3 0%
2017 3 0%
2018 3 33.33%
2019 2 -200%
2020 -2 150%
2021 2 300%
2022 2 50%
2023 4 33.33%
2023 3 0%
2024 4 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Saudi British Bank Free Cashflow
Year Free Cashflow Growth
2006 8.021.263.000
2007 1.281.019.000 -526.16%
2008 12.208.800.000 89.51%
2009 -424.497.000 2976.06%
2010 727.785.000 158.33%
2011 3.873.219.000 81.21%
2012 5.864.277.000 33.95%
2013 10.115.311.000 42.03%
2014 126.133.000 -7919.56%
2015 -6.538.189.000 101.93%
2016 2.315.548.000 382.36%
2017 7.455.789.000 68.94%
2018 -2.223.749.000 435.28%
2019 21.091.471.000 110.54%
2020 11.862.430.000 -77.8%
2021 -16.289.113.000 172.82%
2022 29.872.673.000 154.53%
2023 8.063.462.000 -270.47%
2023 -4.589.182.000 275.71%
2024 1.865.897.001 345.95%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Saudi British Bank Operating Cashflow
Year Operating Cashflow Growth
2006 8.041.263.000
2007 1.394.701.000 -476.56%
2008 12.326.543.000 88.69%
2009 -280.578.000 4493.27%
2010 806.223.000 134.8%
2011 3.952.457.000 79.6%
2012 6.044.822.000 34.61%
2013 10.207.501.000 40.78%
2014 277.624.000 -3576.74%
2015 -6.113.578.000 104.54%
2016 2.473.348.000 347.18%
2017 7.675.320.000 67.78%
2018 -1.946.541.000 494.31%
2019 21.383.251.000 109.1%
2020 12.335.089.000 -73.35%
2021 -15.725.504.000 178.44%
2022 30.533.703.000 151.5%
2023 8.618.232.000 -254.29%
2023 -4.395.151.000 296.09%
2024 1.930.399.000 327.68%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Saudi British Bank Capital Expenditure
Year Capital Expenditure Growth
2006 20.000.000
2007 113.682.000 82.41%
2008 117.743.000 3.45%
2009 143.919.000 18.19%
2010 78.438.000 -83.48%
2011 79.238.000 1.01%
2012 180.545.000 56.11%
2013 92.190.000 -95.84%
2014 151.491.000 39.14%
2015 424.611.000 64.32%
2016 157.800.000 -169.08%
2017 219.531.000 28.12%
2018 277.208.000 20.81%
2019 291.780.000 4.99%
2020 472.659.000 38.27%
2021 563.609.000 16.14%
2022 661.030.000 14.74%
2023 554.770.000 -19.15%
2023 194.031.000 -185.92%
2024 64.501.999 -200.81%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Saudi British Bank Equity
Year Equity Growth
2006 9.404.599.000
2007 10.424.933.000 9.79%
2008 11.633.831.000 10.39%
2009 13.045.289.000 10.82%
2010 15.171.947.000 14.02%
2011 17.166.201.000 11.62%
2012 20.065.507.000 14.45%
2013 22.832.799.000 12.12%
2014 26.071.212.000 12.42%
2015 28.174.537.000 7.47%
2016 31.278.928.000 9.92%
2017 33.470.471.000 6.55%
2018 32.463.097.000 -3.1%
2019 56.160.251.000 42.2%
2020 50.761.740.000 -10.63%
2021 53.028.517.000 4.27%
2022 54.683.204.000 3.03%
2023 65.884.563.000 17%
2023 55.539.230.000 -18.63%
2024 58.759.343.000 5.48%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Saudi British Bank Assets
Year Assets Growth
2006 77.189.378.000
2007 98.212.910.000 21.41%
2008 131.660.693.000 25.4%
2009 126.837.962.000 -3.8%
2010 125.372.866.000 -1.17%
2011 138.657.505.000 9.58%
2012 156.652.337.000 11.49%
2013 177.302.200.000 11.65%
2014 187.609.268.000 5.49%
2015 187.750.423.000 0.08%
2016 186.055.894.000 -0.91%
2017 187.615.344.000 0.83%
2018 174.564.111.000 -7.48%
2019 265.472.444.000 34.24%
2020 276.451.671.000 3.97%
2021 272.396.023.000 -1.49%
2022 314.450.677.000 13.37%
2023 356.641.636.000 11.83%
2023 340.478.117.000 -4.75%
2024 382.296.082.000 10.94%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Saudi British Bank Liabilities
Year Liabilities Growth
2006 67.784.779.000
2007 87.787.977.000 22.79%
2008 120.026.862.000 26.86%
2009 113.792.673.000 -5.48%
2010 110.200.919.000 -3.26%
2011 121.491.304.000 9.29%
2012 136.586.830.000 11.05%
2013 154.469.401.000 11.58%
2014 161.538.056.000 4.38%
2015 159.575.886.000 -1.23%
2016 154.776.966.000 -3.1%
2017 154.144.873.000 -0.41%
2018 142.101.014.000 -8.48%
2019 209.312.193.000 32.11%
2020 225.689.931.000 7.26%
2021 219.367.506.000 -2.88%
2022 259.767.473.000 15.55%
2023 294.742.073.000 11.87%
2023 5.073.832.000 -5709.06%
2024 323.536.739.000 98.43%

The Saudi British Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9.31
Net Income per Share
3.77
Price to Earning Ratio
9.04x
Price To Sales Ratio
3.66x
POCF Ratio
8.53
PFCF Ratio
9.5
Price to Book Ratio
1.19
EV to Sales
4.37
EV Over EBITDA
17.99
EV to Operating CashFlow
10.17
EV to FreeCashFlow
11.33
Earnings Yield
0.11
FreeCashFlow Yield
0.11
Market Cap
70,07 Bil.
Enterprise Value
83,56 Bil.
Graham Number
49.26
Graham NetNet
-165.82

Income Statement Metrics

Net Income per Share
3.77
Income Quality
1.01
ROE
0.13
Return On Assets
0.02
Return On Capital Employed
0.04
Net Income per EBT
0.88
EBT Per Ebit
0.85
Ebit per Revenue
0.55
Effective Tax Rate
0.13

Margins

Sales, General, & Administrative to Revenue
0.07
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.8
Operating Profit Margin
0.55
Pretax Profit Margin
0.46
Net Profit Margin
0.41

Dividends

Dividend Yield
0.06
Dividend Yield %
5.81
Payout Ratio
0.49
Dividend Per Share
1.98

Operating Metrics

Operating Cashflow per Share
4
Free CashFlow per Share
3.59
Capex to Operating CashFlow
0.1
Capex to Revenue
0.04
Capex to Depreciation
1.38
Return on Invested Capital
0.09
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.41

Balance Sheet

Cash per Share
-8,37
Book Value per Share
28,60
Tangible Book Value per Share
23.4
Shareholders Equity per Share
28.6
Interest Debt per Share
19.61
Debt to Equity
0.69
Debt to Assets
0.11
Net Debt to EBITDA
2.91
Current Ratio
0.2
Tangible Asset Value
48,09 Bil.
Net Current Asset Value
-294,01 Bil.
Invested Capital
-100015202000
Working Capital
-114,59 Bil.
Intangibles to Total Assets
0.03
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.58

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Saudi British Bank Dividends
Year Dividends Growth
2011 1
2012 1 0%
2013 1 0%
2014 1 100%
2015 1 0%
2016 1 0%
2017 1 100%
2018 2 0%
2019 2 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 2 100%
2024 2 0%

The Saudi British Bank Profile

About The Saudi British Bank

The Saudi British Bank provides banking and financial services in the Kingdom of Saudi Arabia. The company operates through Retail Banking, Corporate and Institutional Banking, Treasury, and Others segments. The company's personal banking services include current and savings, and commodity investment accounts; personal and home financing, and financing against cash deposits products; credit, debit, and prepaid cards; wealth management solutions, such as asset management, brokerage, securities, investment banking advisory, debt capital markets, project and export finance, and equity research services, as well as takaful services; payments and transfer services; private banking services; safe deposit lockers; and online, mobile, and phone banking services. Its business banking services comprise deposit accounts, credit facilities, and business credit cards; liquidity and cash management services, including collection and payment management services, and point of sale services; trade and receivables finance services, including export and import services, and guarantees; structured trade solutions; investment banking and advisory services; derivatives trading and repo services; and Islamic financial solutions. The company also acts as an insurance agent; and purchases, sells, and leases land and real estate properties. It operates through a network of 108 branches in the Kingdom of Saudi Arabia. The Saudi British Bank was founded in 1978 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.

CEO
Anthony William Cripps
Employee
4.471
Address
PO Box 9084
Riyadh, 11413

The Saudi British Bank Executives & BODs

The Saudi British Bank Executives & BODs
# Name Age
1 Mr. Anthony William Cripps
MD, Chief Executive Officer & Executive Director
70
2 Mr. Ibrahim Abo-Mouti
Head of Corporate Communications
70
3 Mr. Musaifer AlOsaimi
Chief Information Officer
70
4 Ms. Lama Ahmad M. Ghazzaoui
Chief Financial Officer
70
5 Ms. Faten Abdullah Aba Al-Khail
Company Secretary
70
6 Ms. Ghada Al Jarbou
Chief Operating Officer
70
7 Ms. Rania AlSharyoufi
Chief Human Resources Officer
70
8 Mr. Ali Alqahtani
Chief Compliance Officer
70
9 Ms. Mashael Mazyad Alshebaiky
Chief Legal Officer
70
10 Mr. Mohammed Abdullatif Al-Shaikh
Chief Treasury & Investment Officer
70

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