Financials Jordan Commercial Bank

Equities

JCBK

JO1100311017

Banks

End-of-day quote Amman S.E. 06:00:00 2024-04-23 pm EDT 5-day change 1st Jan Change
1 JOD +1.01% Intraday chart for Jordan Commercial Bank +1.01% -0.99%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 102 94.8 82.8 123.6 120 121.2
Enterprise Value (EV) 1 74.28 123.8 40.12 185.3 212.6 143.3
P/E ratio 20.3 x 17.8 x 173 x 17.6 x 10.6 x 10.6 x
Yield - - - - 5% -
Capitalization / Revenue 2.6 x 2.27 x 2.39 x 3.1 x 2.66 x 2.51 x
EV / Revenue 1.9 x 2.96 x 1.16 x 4.65 x 4.71 x 2.97 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.76 x 0.68 x 0.59 x 0.84 x 0.74 x 0.72 x
Nbr of stocks (in thousands) 120,000 120,000 120,000 120,000 120,000 120,000
Reference price 2 0.8500 0.7900 0.6900 1.030 1.000 1.010
Announcement Date 3/31/19 6/16/20 6/10/21 3/1/22 2/20/23 2/20/24
1JOD in Million2JOD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 39.16 41.8 34.68 39.81 45.1 48.31
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 6.324 12.78 6.733 12.55 18.03 16.94
Net income 1 5.029 5.313 0.5135 7.005 11.34 11.48
Net margin 12.84% 12.71% 1.48% 17.59% 25.14% 23.77%
EPS 2 0.0419 0.0443 0.004000 0.0584 0.0945 0.0957
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - 0.0500 -
Announcement Date 3/31/19 6/16/20 6/10/21 3/1/22 2/20/23 2/20/24
1JOD in Million2JOD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - 29 - 61.7 92.6 22.1
Net Cash position 1 27.7 - 42.7 - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 3.55% 7.77% 3.38% 4.89% 7.33% 6.94%
ROA (Net income/ Total Assets) 0.37% 0.77% 0.34% 0.5% 0.81% 0.84%
Assets 1 1,368 686.2 149.5 1,399 1,405 1,371
Book Value Per Share 2 1.120 1.160 1.160 1.230 1.350 1.410
Cash Flow per Share 2 0.9100 0.5800 1.210 0.6900 0.4700 0.6200
Capex 1 3.16 - 1.7 2.13 2.28 2.66
Capex / Sales 8.08% - 4.9% 5.34% 5.05% 5.5%
Announcement Date 3/31/19 6/16/20 6/10/21 3/1/22 2/20/23 2/20/24
1JOD in Million2JOD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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