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

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

CBQK.QA

(2.8)
Stock Price

4,35 QAR

1.66% ROA

12.92% ROE

8.02x PER

Market Cap.

22.543.182.500,00 QAR

105.89% DER

4.49% Yield

42.35% NPM

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

The Commercial Bank (P.S.Q.C.) 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 Commercial Bank (P.S.Q.C.) Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.86x), the stock offers substantial upside potential at a bargain price.

2 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

3 ROE

The stock's ROE falls within an average range (11.34%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (1.66%) 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 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

6 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 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.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (12) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 DER

The stock is burdened with a heavy load of debt (106%), making it financially unstable and potentially risky for investors.

11 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

The Commercial Bank (P.S.Q.C.) 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 Commercial Bank (P.S.Q.C.) Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

The Commercial Bank (P.S.Q.C.) 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 Commercial Bank (P.S.Q.C.) Revenue
Year Revenue Growth
2005 994.398.000
2006 1.256.900.000 20.88%
2007 1.879.973.000 33.14%
2008 2.355.401.000 20.18%
2009 2.547.445.000 7.54%
2010 2.491.076.000 -2.26%
2011 2.779.398.000 10.37%
2012 2.874.998.000 3.33%
2013 3.323.959.000 13.51%
2014 3.765.301.000 11.72%
2015 3.803.042.000 0.99%
2016 3.516.822.000 -8.14%
2017 3.482.791.000 -0.98%
2018 3.600.213.000 3.26%
2019 4.287.334.000 16.03%
2020 4.089.968.000 -4.83%
2021 5.120.818.000 20.13%
2022 5.133.923.000 0.26%
2023 5.428.860.000 5.43%

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 Commercial Bank (P.S.Q.C.) Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 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%

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 Commercial Bank (P.S.Q.C.) General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 49.070.000
2006 53.893.000 8.95%
2007 64.911.000 16.97%
2008 101.692.000 36.17%
2009 89.856.000 -13.17%
2010 105.842.000 15.1%
2011 145.705.000 27.36%
2012 74.055.000 -96.75%
2013 110.940.000 33.25%
2014 73.542.000 -50.85%
2015 161.991.000 54.6%
2016 132.884.000 -21.9%
2017 44.509.000 -198.56%
2018 25.671.000 -73.38%
2019 16.325.000 -57.25%
2020 19.638.000 16.87%
2021 23.413.000 16.12%
2022 18.434.000 -27.01%
2023 0 0%

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 Commercial Bank (P.S.Q.C.) EBITDA
Year EBITDA Growth
2005 783.580.000
2006 929.201.000 15.67%
2007 1.449.458.000 35.89%
2008 1.779.463.000 18.55%
2009 1.616.336.000 -10.09%
2010 1.739.129.000 7.06%
2011 1.997.675.000 12.94%
2012 2.134.242.000 6.4%
2013 1.750.590.000 -21.92%
2014 2.126.680.000 17.68%
2015 1.626.028.000 -30.79%
2016 637.958.000 -154.88%
2017 888.101.000 28.17%
2018 1.897.270.000 53.19%
2019 2.285.133.000 16.97%
2020 1.544.028.000 -48%
2021 2.621.183.000 41.09%
2022 3.260.974.000 19.62%
2023 3.493.168.000 6.65%

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 Commercial Bank (P.S.Q.C.) Gross Profit
Year Gross Profit Growth
2005 994.398.000
2006 1.256.900.000 20.88%
2007 1.879.973.000 33.14%
2008 2.355.401.000 20.18%
2009 2.547.445.000 7.54%
2010 2.491.076.000 -2.26%
2011 2.779.398.000 10.37%
2012 2.874.998.000 3.33%
2013 3.323.959.000 13.51%
2014 3.765.301.000 11.72%
2015 3.803.042.000 0.99%
2016 3.516.822.000 -8.14%
2017 3.482.791.000 -0.98%
2018 3.600.213.000 3.26%
2019 4.287.334.000 16.03%
2020 4.089.968.000 -4.83%
2021 5.120.818.000 20.13%
2022 5.133.923.000 0.26%
2023 5.428.860.000 5.43%

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 Commercial Bank (P.S.Q.C.) Net Profit
Year Net Profit Growth
2005 749.518.000
2006 891.369.000 15.91%
2007 1.390.715.000 35.91%
2008 1.702.442.000 18.31%
2009 1.523.594.000 -11.74%
2010 1.635.281.000 6.83%
2011 1.883.971.000 13.2%
2012 2.012.294.000 6.38%
2013 1.604.485.000 -25.42%
2014 1.880.316.000 14.67%
2015 1.401.457.000 -34.17%
2016 500.750.000 -179.87%
2017 603.648.000 17.05%
2018 1.663.179.000 63.71%
2019 2.021.040.000 17.71%
2020 1.301.213.000 -55.32%
2021 2.304.253.000 43.53%
2022 2.811.108.000 18.03%
2023 3.005.188.000 6.46%

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 Commercial Bank (P.S.Q.C.) Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 0
2006 0 0%
2007 1 0%
2008 1 0%
2009 0 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 0 0%
2014 1 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 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 Commercial Bank (P.S.Q.C.) Free Cashflow
Year Free Cashflow Growth
2005 921.686.000
2006 -1.750.152.000 152.66%
2007 1.014.165.000 272.57%
2008 -563.196.000 280.07%
2009 -5.632.107.000 90%
2010 6.609.389.000 185.21%
2011 -2.241.745.000 394.83%
2012 -3.927.104.000 42.92%
2013 5.507.468.000 171.31%
2014 -7.349.394.000 174.94%
2015 1.181.022.000 722.29%
2016 -647.879.000 282.29%
2017 162.777.000 498.02%
2018 -1.220.714.000 113.33%
2019 7.364.713.000 116.58%
2020 -5.744.091.000 228.21%
2021 5.664.060.000 201.41%
2022 4.464.330.000 -26.87%
2023 139.232.000 -3106.4%

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 Commercial Bank (P.S.Q.C.) Operating Cashflow
Year Operating Cashflow Growth
2005 1.015.152.000
2006 -1.472.050.000 168.96%
2007 1.230.199.000 219.66%
2008 -80.303.000 1631.95%
2009 -5.360.568.000 98.5%
2010 6.752.823.000 179.38%
2011 -2.126.635.000 417.54%
2012 -3.678.414.000 42.19%
2013 5.695.258.000 164.59%
2014 -7.166.009.000 179.48%
2015 1.414.353.000 606.66%
2016 -448.098.000 415.63%
2017 276.127.000 262.28%
2018 -934.283.000 129.55%
2019 7.522.072.000 112.42%
2020 -5.618.780.000 233.87%
2021 5.864.649.000 195.81%
2022 4.772.678.000 -22.88%
2023 187.573.000 -2444.44%

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 Commercial Bank (P.S.Q.C.) Capital Expenditure
Year Capital Expenditure Growth
2005 93.466.000
2006 278.102.000 66.39%
2007 216.034.000 -28.73%
2008 482.893.000 55.26%
2009 271.539.000 -77.84%
2010 143.434.000 -89.31%
2011 115.110.000 -24.61%
2012 248.690.000 53.71%
2013 187.790.000 -32.43%
2014 183.385.000 -2.4%
2015 233.331.000 21.41%
2016 199.781.000 -16.79%
2017 113.350.000 -76.25%
2018 286.431.000 60.43%
2019 157.359.000 -82.02%
2020 125.311.000 -25.57%
2021 200.589.000 37.53%
2022 308.348.000 34.95%
2023 48.341.000 -537.86%

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 Commercial Bank (P.S.Q.C.) Equity
Year Equity Growth
2005 5.677.099.000
2006 5.660.089.000 -0.3%
2007 6.227.817.000 9.12%
2008 9.978.445.000 37.59%
2009 12.010.183.000 16.92%
2010 12.499.857.000 3.92%
2011 14.230.296.000 12.16%
2012 14.939.378.000 4.75%
2013 15.962.959.000 6.41%
2014 17.028.336.000 6.26%
2015 16.753.455.000 -1.64%
2016 19.301.259.000 13.2%
2017 21.021.504.000 8.18%
2018 19.999.409.000 -5.11%
2019 21.756.217.000 8.07%
2020 22.170.472.000 1.87%
2021 24.073.212.000 7.9%
2022 25.519.327.000 5.67%
2023 23.849.024.000 -7%

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 Commercial Bank (P.S.Q.C.) Assets
Year Assets Growth
2005 22.181.543.000
2006 30.359.474.000 26.94%
2007 45.397.279.000 33.12%
2008 61.301.751.000 25.94%
2009 57.317.359.000 -6.95%
2010 62.520.074.000 8.32%
2011 71.540.065.000 12.61%
2012 80.037.752.000 10.62%
2013 113.111.865.000 29.24%
2014 115.652.348.000 2.2%
2015 123.421.054.000 6.29%
2016 130.380.286.000 5.34%
2017 138.449.052.000 5.83%
2018 135.070.710.000 -2.5%
2019 147.536.484.000 8.45%
2020 153.605.715.000 3.95%
2021 165.464.181.000 7.17%
2022 169.120.583.000 2.16%
2023 163.330.135.000 -3.55%

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 Commercial Bank (P.S.Q.C.) Liabilities
Year Liabilities Growth
2005 16.504.444.000
2006 24.699.385.000 33.18%
2007 39.169.462.000 36.94%
2008 51.323.306.000 23.68%
2009 45.307.176.000 -13.28%
2010 50.020.217.000 9.42%
2011 57.309.769.000 12.72%
2012 65.098.374.000 11.96%
2013 96.556.770.000 32.58%
2014 97.956.235.000 1.43%
2015 106.122.374.000 7.7%
2016 111.079.014.000 4.46%
2017 117.427.533.000 5.41%
2018 115.071.290.000 -2.05%
2019 125.780.257.000 8.51%
2020 131.435.234.000 4.3%
2021 141.390.959.000 7.04%
2022 143.601.253.000 1.54%
2023 139.481.107.000 -2.95%

The Commercial Bank (P.S.Q.C.) Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.27
Net Income per Share
0.69
Price to Earning Ratio
8.02x
Price To Sales Ratio
4.39x
POCF Ratio
4.72
PFCF Ratio
5.05
Price to Book Ratio
0.88
EV to Sales
4.82
EV Over EBITDA
7.59
EV to Operating CashFlow
5.18
EV to FreeCashFlow
5.54
Earnings Yield
0.12
FreeCashFlow Yield
0.2
Market Cap
22,54 Bil.
Enterprise Value
24,74 Bil.
Graham Number
9.93
Graham NetNet
-28.95

Income Statement Metrics

Net Income per Share
0.69
Income Quality
1.63
ROE
0.11
Return On Assets
0.02
Return On Capital Employed
0.01
Net Income per EBT
0.98
EBT Per Ebit
1.3
Ebit per Revenue
0.33
Effective Tax Rate
0.03

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.33
Pretax Profit Margin
0.43
Net Profit Margin
0.42

Dividends

Dividend Yield
0.04
Dividend Yield %
4.49
Payout Ratio
0.23
Dividend Per Share
0.25

Operating Metrics

Operating Cashflow per Share
1.18
Free CashFlow per Share
1.1
Capex to Operating CashFlow
-0.06
Capex to Revenue
-0.06
Capex to Depreciation
-0.92
Return on Invested Capital
0.05
Return on Tangible Assets
0.02
Days Sales Outstanding
150.16
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
2.43
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.08

Balance Sheet

Cash per Share
6,14
Book Value per Share
6,31
Tangible Book Value per Share
6.29
Shareholders Equity per Share
6.31
Interest Debt per Share
7.51
Debt to Equity
1.06
Debt to Assets
0.16
Net Debt to EBITDA
0.67
Current Ratio
22.74
Tangible Asset Value
25,45 Bil.
Net Current Asset Value
-116,66 Bil.
Invested Capital
1.06
Working Capital
25,76 Bil.
Intangibles to Total Assets
0
Average Receivables
2,07 Bil.
Average Payables
0,92 Bil.
Average Inventory
0
Debt to Market Cap
1.2

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 Commercial Bank (P.S.Q.C.) Dividends
Year Dividends Growth
2011 51
2012 44 -18.6%
2013 44 0%
2014 15 -207.14%
2015 31 53.33%
2016 29 -3.45%
2018 10 -190%
2019 15 33.33%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

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

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

The Commercial Bank (P.S.Q.C.), together with its subsidiaries, engages in the conventional banking, brokerage services, and credit card businesses. The company operates through four segments Wholesale Banking, Retail Banking, Others, and International. The Wholesale Banking segment provides various conventional funded and non-funded credit facilities; demand and time deposit services; currency exchange facilities; interest rate swaps and other derivative trading services; loan syndication and structured financing services; corporate lending; trade finance; other deposits; and letters of credit and guarantees, as well as manages money market funds and proprietary investment portfolio. This segment serves corporate, commercial, and multinational customers, as well as large, medium, and small enterprises. The Retail Banking segment offers personal current, savings, time, and investment account services; credit and debit card services; consumer, vehicle, and personal loans, and residential mortgage services; and custodial and wealth management services to retail and individual customers. The Other segment provides brokerage services; and issues debts for banks.The International segment provides banking services through a network of 44 branches in Turkey. The company also provides insurance products. It operates in Qatar, other GCC countries, rest of the Middle East, Europe, North America, and internationally. The company operates a network of 28 full-service branches and 172 ATMs. The Commercial Bank (P.S.Q.C.) was incorporated in 1974 and is based in Doha, Qatar.

CEO
Mr. Joseph Abraham
Employee
2.233
Address
PO Box 3232
Doha,

The Commercial Bank (P.S.Q.C.) Executives & BODs

The Commercial Bank (P.S.Q.C.) Executives & BODs
# Name Age
1 Mr. Joseph Abraham
Group Chief Executive Officer
70
2 Mr. Zubair M. Chaiwalla
Head Capital Management & Investor Relations
70
3 Mr. Dimitrios Mavroyiannis
Chief Technology Officer
70
4 Mr. Hussein M. Ali Al-Abdullah
Executive GM, Chief Marketing Officer & Head of Premium Banking
70
5 Mr. Omar Hussain Ibrahim H. Alfardan
MD & Non-Independent Executive Director
70
6 Dr. Leonie Ruth Lethbridge
Chief Operating Officer & EGM
70
7 Mr. Mohamed Farhan
Acting Chief Financial Officer
70
8 Mr. Abdulla Al Fadli
Executive GM & Chief Compliance Officer
70
9 Mr. Ibrahim Al Emadi
Head of Corporate Communications
70
10 Mr. Parvez Khan
Executive GM of Treasury & Investments
70

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