1. United Arab Emirates Stocks

  2. •

    Finance

  3. •

    Major banks
Commercial Bank of Dubai(PSC)

Commercial Bank of Dubai(PSC)

DDFM:CBD
9.68
AED
+0.01
(+0.10%)
1.17EPS
7.92P/E
27.76BMarket Cap
Feb 03Next Earn
Commercial Bank of Dubai(PSC)
DFM:CBD
(Dubai Financial Market)

Recent

price

9.68

P/E

ratio

7.92

div

yld

6.06%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
AED
0.69
0.62
0.62
0.68
0.74
0.78
0.82
0.88
0.91
1.01
1
1.06
1.27
1.65
1.84
1.98
1.97
Revenue per Share
0.27
0.28
0.29
0.34
0.4
0.36
0.34
0.34
0.39
0.47
0.38
0.49
0.61
0.89
1.01
1.17
1.17
Basic EPS, GAAP
0.96
-0.03
0.12
0.23
0.08
0.58
0.47
-0.64
1.23
0.85
1.76
1.15
0.92
0.17
0.55
3.12
0.15
Free Cash Flow per Basic Share
- -
0.13
0.13
0.2
0.2
0.19
0.19
0.19
0.16
0.19
0.19
0.19
0.24
0.24
0.44
0.51
0.59
Dividend per Share
1.97
2.12
2.28
2.42
2.62
2.76
2.91
3.04
3.09
3.42
4.34
4.54
4.65
5.29
5.84
6.51
5.68
Book Value per Share
1.97
2.12
2.28
2.42
2.62
2.76
2.91
3.04
3.09
3.42
4.34
4.54
4.65
5.29
5.84
6.51
5.68
Tangible Book Value per Share
2,985
2,985
2,985
2,985
2,985
2,985
2,985
2,985
2,985
2,985
2,985
2,985
2,985
2,985
2,985
2,985
2,985
Basic Weighted Avg Shares
2,057
1,863
1,851
2,016
2,223
2,335
2,450
2,633
2,716
3,029
2,978
3,172
3,804
4,937
5,491
5,920
5,872
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
56
57
50
46
46
51
53
56
63
70
28
30
36
49
61
95
116
Depreciation Expense
821
822
857
1,010
1,202
1,066
1,003
1,002
1,162
1,400
1,120
1,451
1,825
2,650
3,030
3,500
3,504
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
8.88
8.95
8.98
Effective Tax Rate (%)
39.89
44.14
46.33
50.12
54.09
45.67
40.93
38.05
42.79
46.23
37.61
45.74
47.98
53.68
55.18
59.12
59.67
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,778
1,875
2,570
4,256
4,559
5,836
6,002
5,502
4,042
6,073
5,315
6,809
8,448
9,589
9,461
9,628
3,948
LT Debt
5,879
6,322
6,811
7,216
7,810
8,229
8,680
9,081
9,219
10,217
12,954
13,567
13,882
15,781
17,425
19,422
16,968
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
10.77
10.37
9.74
9.69
10.09
8.07
6.98
6.85
8.35
9.48
6.48
7.51
8.55
11.11
11.6
12.51
16.81
Return on Capital (%)
14.62
13.48
13.07
14.42
16
13.3
11.86
11.28
12.7
14.41
9.67
10.94
13.3
17.87
18.25
19
20.74
Return on Common Equity (%)

Capital Structure

AED

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,985
2,985
2,985
Market Capitalization
27,673
28,031
27,762

Working Capital

AED

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
24,011
18,081
14,701
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

AED

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.18%
8.52%
11.47%
Free Cash Flow
8.18%
110.8%
470.55%
Net Income, GAAP
14.08%
26.08%
15.52%
Sales/Revenue/Turnover
10.06%
15.05%
7.82%
Total Cash Common Dividend
- -
24.49%
14.33%

Quarterly Revenue

AED

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,372
1,338
1,454
1,326
5,491
2025
1,371
1,453
- -
1,520
5,920
2026
1,456
1,444
- -
- -
- -

Quarterly Earnings Per Share

AED

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.23
0.25
0.26
0.27
1.01
2025
0.28
0.29
- -
0.31
1.17
2026
0.28
0.3
- -
- -
- -

Quarterly Dividends Per Share

AED

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.44
- -
- -
- -
0.44
2025
0.51
- -
- -
- -
0.51
2026
0.59
- -
- -
- -
- -
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Business
Commercial Bank of Dubai PSC engages in the provision of commercial banking services. It operates through the following segments: Institutional Banking, Corporate Banking, Personal Banking, Trading and Other. The Institutional Banking segment includes loan and other credit facilities, deposits, trade finance products, and e-commerce solutions to institutional clients. The Corporate Banking segment offers loans, working capital financing, trade finance, and deposits products to corporate clients. The Personal Banking segment consists of current accounts, easy access saving accounts, fixed rate deposit accounts, personal loans, overdraft facilities, vehicle finance, mortgage products, loans, and other credit facilities to small business and retail clients. The Trading and Other segment undertakes balance sheet management deals and manages the group’s proprietary investment portfolio. The company was founded on July 3, 1969 and is headquartered in Dubai, United Arab Emirates.