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Commercial International Bank Egypt (CIB) S.A.E. (CBKD.IL)

USD2.64 +0.01 (+0.19%)
EG LSE Financial Services Banks - Regional
Address Nile Tower Building 3658102
Giza, GZ, EG
CEO Amin Hisham Mohammed Ezz Al-Arab
Website cibeg.com
IPO 2001-05-14
ISIN US2017122050

Explore sections of this company profile

Also trades on International Order Book · CBKD.IL (USD) London Stock Exchange · CBKD.L (USD) Other OTC · CIBEY (USD) Other OTC · CMGGF (USD)
Description

Commercial International Bank (Egypt) S.A.E provides retail, corporate, and investment banking services in Egypt. The company operates in following segments: Corporate Banking, Investment, Retail Banking, and Others. It offers current and saving accounts, easy accounts, time deposits, and certificates of deposit; and personal/overdraft/mortgage, educational, solar, travel, car finance, and unsecured personal loans, as well as revolving overdraft salary upfront services. The company also offers global transaction and digital banking; and cash management services, as well as corporate banking services. In addition, it provides credit, debit, and prepaid cards, smart wallet, mobile, Internet, phone banking, and ATM services. Further, the company offers other credit facilities; derivative products; financial instruments trading, structured financing, corporate leasing, and merger and acquisitions advisory; and foreign currency services, as well as assets liabilities services. Additionally, the company provides structured financing, corporate leasing, merger, and acquisition services, as well as trades in financial instruments. Furthermore, the company offers investment savings products, consumer loans and mortgage services. The company was formerly known as Chase National Bank. Commercial International Bank (Egypt) S.A.E was founded in 1975 and is headquartered in Giza, Egypt.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD2.64 +0.01 (+0.19%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
0.61
Float Shares
2.27B
Free Float %
67.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.05% -9.62% -14.23% -18.12% +18.09% +9.81% +51.61% +45.06% +45.06% +45.06% +45.06%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
2.64
DCF (Unlevered) 7.38 +179.9%
DCF (Levered) 26.31 +898.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2026-05 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.72
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
3 / 5
Medium
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
2 / 5
Medium
Operational MOAT
  • ✓
    Revenue growth
    +115.8% Q1'26: +17.0% (vs Q1'25)
  • ✓
    EPS growth
    +11.5% Q1'26: +10.3% (vs Q1'25)
  • —
    FCF margin
    — Q1'26: +2.7% (vs Q1'25)
  • —
    EBIT margin
    — Q1'26: +43.8% (vs Q1'25)
  • —
    ROIC
    — Q1'26: +61.8% (vs Q1'25)
  • ✗
    Share dilution
    +11.2% Q1'26: +11.4% (vs Q1'25)
  • —
    Debt / EBITDA
    — Q1'26: 0.46× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.61) × ERP
WACC = 93% × Ke + 7% × Kd (294.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 7.18 Current price: 2.64
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
1 Rev. Ana.
1 EPS Ana. 		Dec 2027
1 Rev. Ana.
1 EPS Ana. 		Dec 2028
1 Rev. Ana.
1 EPS Ana. 		Dec 2029
1 Rev. Ana.
1 EPS Ana. 		Dec 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
17.12B
est: 10.33B (+65.8%)
21.42B
est: 12.54B (+70.8%)
32.10B
est: 16.24B (+97.6%)
41.39B
est: 20.22B (+104.7%)
46.35B
est: 25.77B (+79.8%)
28.46B
est: 27.09B (+5.1%)
49.02B
est: 27.36B (+79.2%)
61.14B
est: 29.47B (+107.5%)
111.09B
est: 54.96B (+102.1%)
104.06B
est: 105.97B (-1.8%)
224.56B
est: 117.93B (+90.4%)
128.81B
128.81B – 128.81B
+9.2% YoY
142.40B
142.40B – 142.40B
+10.6% YoY
156.35B
156.35B – 156.35B
+9.8% YoY
176.79B
176.79B – 176.79B
+13.1% YoY
203.21B
203.21B – 203.21B
+14.9% YoY
EBITDA
6.69B
est: 2.47B (+171.4%)
8.41B
est: 2.99B (+180.8%)
10.51B
est: 3.88B (+171.1%)
13.60B
est: 4.83B (+181.8%)
17.35B
est: 6.15B (+182.0%)
—
est: 6.47B (-100.0%)
19.77B
est: 6.53B (+202.8%)
24.88B
est: 7.03B (+253.7%)
42.56B
est: 13.12B (+224.5%)
—
est: 36.03B (-100.0%)
113.78B
est: 40.10B (+183.8%)
43.80B
43.80B – 43.80B
+9.2% YoY
48.42B
48.42B – 48.42B
+10.6% YoY
53.16B
53.16B – 53.16B
+9.8% YoY
60.11B
60.11B – 60.11B
+13.1% YoY
69.09B
69.09B – 69.09B
+14.9% YoY
EBIT
6.48B
est: 2.30B (+181.8%)
7.99B
est: 2.79B (+186.0%)
10.03B
est: 3.62B (+177.3%)
13.08B
est: 4.50B (+190.4%)
16.53B
est: 5.74B (+188.1%)
-767.45M
est: 6.03B (-112.7%)
18.83B
est: 6.09B (+209.1%)
23.94B
est: 6.56B (+264.8%)
41.65B
est: 12.24B (+240.3%)
-1.08B
est: 34.70B (-103.1%)
111.58B
est: 38.62B (+189.0%)
42.18B
42.18B – 42.18B
+9.2% YoY
46.63B
46.63B – 46.63B
+10.6% YoY
51.20B
51.20B – 51.20B
+9.8% YoY
57.89B
57.89B – 57.89B
+13.1% YoY
66.54B
66.54B – 66.54B
+14.9% YoY
Net Income
4.73B
est: 4.90B (-3.4%)
6.01B
est: 6.18B (-2.8%)
7.52B
est: 7.97B (-5.7%)
9.58B
est: 9.04B (+6.0%)
11.80B
est: 12.00B (-1.6%)
10.24B
est: 9.78B (+4.7%)
13.27B
est: 12.79B (+3.7%)
16.11B
est: 13.46B (+19.7%)
29.63B
est: 24.61B (+20.4%)
55.20B
est: 53.62B (+2.9%)
82.24B
est: 71.69B (+14.7%)
71.53B
71.53B – 71.53B
-0.2% YoY
78.28B
78.28B – 78.28B
+9.4% YoY
85.59B
85.59B – 85.59B
+9.3% YoY
103.00B
103.00B – 103.00B
+20.3% YoY
119.12B
119.12B – 119.12B
+15.7% YoY
SGA
938.59M
est: 596.73M (+57.3%)
1.15B
est: 724.60M (+58.6%)
1.38B
est: 938.29M (+47.3%)
1.85B
est: 1.17B (+58.0%)
2.24B
est: 1.49B (+50.5%)
2.45B
est: 1.57B (+56.7%)
2.68B
est: 1.58B (+69.6%)
3.30B
est: 1.70B (+94.0%)
4.10B
est: 3.18B (+29.1%)
5.94B
est: 5.08B (+16.9%)
8.30B
est: 5.65B (+46.9%)
6.17B
6.17B – 6.17B
+9.2% YoY
6.83B
6.83B – 6.83B
+10.6% YoY
7.49B
7.49B – 7.49B
+9.8% YoY
8.47B
8.47B – 8.47B
+13.1% YoY
9.74B
9.74B – 9.74B
+14.9% YoY
EPS
1.47
est: 1.59 (-7.8%)
1.82
est: 2.01 (-9.6%)
2.30
est: 2.60 (-11.4%)
3.11
est: 2.95 (+5.6%)
4.13
est: 3.91 (+5.7%)
3.48
est: 3.19 (+9.2%)
4.03
est: 4.17 (-3.3%)
4.83
est: 4.38 (+10.2%)
8.59
est: 8.01 (+7.2%)
16.39
est: 15.70 (+4.4%)
18.25
est: 21.00 (-13.1%)
20.95
20.95 – 20.95
-0.2% YoY
22.92
22.92 – 22.92
+9.4% YoY
25.06
25.06 – 25.06
+9.3% YoY
30.16
30.16 – 30.16
+20.3% YoY
34.89
34.89 – 34.89
+15.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-05-11 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-05-08 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-05-07 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-05-06 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-05-05 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-05-01 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-04-30 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-04-29 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-04-28 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-04-27 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-04-24 A 4/5 4/5 5/5 5/5 2/5 4/5 2/5
2026-04-23 A 4/5 4/5 5/5 5/5 2/5 4/5 2/5
2026-04-22 A 4/5 4/5 5/5 5/5 2/5 4/5 2/5
2026-04-21 A 4/5 4/5 5/5 5/5 2/5 4/5 2/5
2026-04-20 A 4/5 4/5 5/5 5/5 2/5 4/5 2/5
2026-04-17 A 4/5 4/5 5/5 5/5 2/5 4/5 2/5
2026-04-16 A 4/5 4/5 5/5 5/5 2/5 4/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
66.55B
OE per share TTM
22.98
Owner's Yield
788.05%
Maintenance CapEx ratio
3.79%
Maint CapEx / Avg PPE
6.0%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
1
Total invested
38.52M
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2025 Q3
Investors holding
1
+0 vs prev Q
New positions
0
Closed positions
0
Increased
0
Reduced
1
Put/Call ratio
0.00
Calls held
—
Puts held
—
Top institutional holders
# Investor ⇅ Shares / Δ ⇅ Mkt value / Δ ⇅ Own% / Δ ⇅ Weight% / Δ ⇅ Avg px / Perf. ⇅ Hold / Status ⇅
1 SPRUCEGROVE INVESTMENT MANAGEMENT LTD — -19.1M (-100.0%) — -38.5M (-100.0%) 0.00% -0.625 pp 0.00% -3.092 pp USD— 25 qtrs SOLD
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock Held by 6 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 VanEck Africa Index ETF AFK 0.85% 846.9K 0.76%
2 Dimensional - Emerging Core Equity Market ETF DFAE 0.04% 3.75M 0.29%
3 Dimensional - Emerging Markets ex China Core Equity ETF DEXC 0.03% 84.0K 0.56%
4 Dimensional - Emerging Markets Core Equity 2 ETF DFEM 0.02% 2.17M 0.39%
5 Dimensional Emerging Markets Sustainability Core 1 ETF DFSE 0.02% 123.9K 0.44%
6 Dimensional World ex U.S. Core Equity 2 ETF DFAX 0.00% 535.1K 0.28%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
13.62M
Shares Outstanding
3.38B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Amr Youssef Hasan El-Ganainy Chief Executive Officer of Institutional Banking — male
Hussein Mohamed Maged Abaza Chief Executive Officer, MD & Executive Director — male
Islam Osama Zekry Group Chief Financial Officer — male
Rashwan Hammady Chief Executive Officer of Retail Banking — male
Sherif El Khalil Chief Communications Officer — male
Talha Karim Chief Risk Officer — male
Yasmine Hemeda Head of Investor Relations — —
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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