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Commercial Bank of Dubai PSC (CBD) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Commercial Bank of Dubai PSC

CBDMarket cap $7.83BPrice $2.6

Country🇦🇪United Arab Emirates

SectorFinancials

IndustryBanks

Provides retail, corporate, and Islamic banking services across the UAE, serving both individuals and businesses. It's one of Dubai's key mid-sized lenders, majority-owned by the Investment Corporation of Dubai, giving it a direct link to the emirate's sovereign wealth.

In Bastion Portfolios?

52W Return+6%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+24%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+7%–

Rev CAGR (5y)+5%4

Earnings Forecast

EPS Growth Y+1+3%4

EPS Growth Y+2-2%3

EPS Growth Y+3+1%4

Quality

Margins

EBIT Margin0%8

Net Income Margin65%10

Free Cash Flow Margin-24%2

Debt

Net Debt/EBITDAna–

Efficiency

ROE20%8

ROA2%4

Earnings Stability1010

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)89

P/E Ratio (Forward 3y)89

P/BV1.77

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%10

Dividend Yield6.1%10

Momentum

Short term

1 month return-2%7

3 month return+2%7

YTD return+11%6

Mid term

Price vs 52wHigh96%10

1 year return+5%5

Long term

3 year return+146%8

5 year return+243%9

Risk Shield

Price Risk

Beta0.39

Volatility30%7

Free Cash Flow

Free Cash Flow Margin-24%2

Free Cash Flow Yield0.0%10

Quality

ROCE11%4

Earnings Stability1010

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CBDCommercial Bank of Dubai PSC

Revenue FY25$1.5B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+24%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+7%–

Revenue, next 5Y, CAGR+5%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+3%4

EPS growth, FY27E-2%3

EPS growth, FY28E+1%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 7%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 24%/yr over the last 3 years; forecasts see it cooling to 7%/yr.

Over five years revenue is set to grow 5%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow slower than sales (EPS about 0.7%/yr vs revenue 7%/yr), so margins are under pressure. One year dips: EPS falls 2% in year 2.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

CBDCommercial Bank of Dubai PSC

Total return Current210%

Price return Current97.4%

MOMENTUM RATING↗

STRONG84 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+2%7

YTD return+11%6

MID & LONG-TERM▾SCORE

% of 52-week high96%10

1-year return+5%5

3-year return+146%8

5-year return+243%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +146% over three years and +243% over five, ahead of 80% of the market.

It's up 5% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%) and over three months (+2%).

WATCH

Returns sit at the market level so far this year (+11%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Commercial Bank of Dubai PSC. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

CBDCommercial Bank of Dubai PSC

Revenue FY25$1.5B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+24%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+7%–

Revenue, next 5Y, CAGR+5%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+3%4

EPS growth, FY27E-2%3

EPS growth, FY28E+1%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 7%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 24%/yr over the last 3 years; forecasts see it cooling to 7%/yr.

Over five years revenue is set to grow 5%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow slower than sales (EPS about 0.7%/yr vs revenue 7%/yr), so margins are under pressure. One year dips: EPS falls 2% in year 2.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

CBDCommercial Bank of Dubai PSC

Total return Current210%

Price return Current97.4%

MOMENTUM RATING↗

STRONG84 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+2%7

YTD return+11%6

MID & LONG-TERM▾SCORE

% of 52-week high96%10

1-year return+5%5

3-year return+146%8

5-year return+243%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +146% over three years and +243% over five, ahead of 80% of the market.

It's up 5% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%) and over three months (+2%).

WATCH

Returns sit at the market level so far this year (+11%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Commercial Bank of Dubai PSC. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community