OTC · Banks - Regional

Commercial International Bank (Egypt) S.A.E (CIBEY) Stock

$2.64 +1.54% OTC: CIBEY Financial Services

Commercial International Bank (Egypt) S.A.E (CIBEY) is a prominent financial institution in Egypt, delivering a comprehensive suite of retail, corporate, and investment banking solutions. The bank organizes its operations into four primary divisions: Corporate Banking, Investment, Retail Banking, and a category for Other activities.

Valuation

MetricValue
Price$2.64
Market Cap$8.71B
P/E Ratio5.98
P/B Ratio1.94
P/S Ratio1.93
EPS (TTM)$0.44
52-Week High$2.87
52-Week Low$1.75
Dividend Yield4.17%

Financials & Margins

MetricValue
ROE39.40%
ROA5.20%
ROCE40.01%
Gross Margin68.23%
Operating Margin50.44%
Net Margin36.62%
Debt/Equity0.17
Current Ratio0.26

Annual Financials (USD)

Metric20212022202320242025
Revenue$28.9B$61.1B$58.5B$114.8B$224.6B
Operating Profit$18.8B$23.9B$48.4B$81.9B$111.6B
Net Profit$13.3B$16.1B$29.6B$55.2B$82.2B
EPS$4.03$4.78$8.50$16.19$18.05
Op Margin65.2%39.2%82.8%71.4%49.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$498.2B$635.8B$834.9B$1.21T$1.44T
Total Liabilities$428.9B$567.5B$744.2B$1.06T$1.21T
Cash$123.6B$181.3B$303.0B$407.4B$224.1B
Borrowings$6.7B$10.4B$15.6B$29.0B$35.2B

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$31.5B$64.9B$174.3B$89.8B$135.0B
Investing Cash Flow$-44.7B$-64.9B$-36.4B$-111.6B$-220.5B
Financing Cash Flow$-24.0M$-10.0M$145.6B$0$0
Net Cash Flow$-14.7B$31.9B$141.3B$-7.7B$-86.1B
Free Cash Flow$30.5B$63.9B$172.6B$84.0B$127.1B

Valuation & Return Ratios

MetricValue
PEG Ratio0.24
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y47.78%
Return 3Y136.60%
Return 5Y15.73%

Ownership

Insiders Held0.00%
Institutions Held0.01%
Institutions Float Held0.01%
Institutional HolderSharesReport Date
Rhumbline Advisers30,2352026-03-31
Grace & White Inc /ny166,2232026-06-30

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AGRPFAbsa Group Limited $8.11 +0.00% 8.03 $6.72B 12.70%
BNMDFBanca Mediolanum S.p.A. $21.65 +0.00% 13.06 $16.00B 7.07%
CCRDFYokohama Financial Group, Inc. $11.70 +0.00% 20.41 $13.00B 2.56%
CHBAYThe Chiba Bank, Ltd. $75.71 +0.00% 20.33 $10.57B 2.11%
ITCFYInvestec Group $15.53 +0.00% 8.26 $6.60B 7.28%

About Commercial International Bank (Egypt) S.A.E

Commercial International Bank (Egypt) S.A.E (CIBEY) is a prominent financial institution in Egypt, delivering a comprehensive suite of retail, corporate, and investment banking solutions. The bank organizes its operations into four primary divisions: Corporate Banking, Investment, Retail Banking, and a category for Other activities. For its diverse clientele, CIBEY offers a variety of deposit products, including checking and savings accounts, specialized 'easy' accounts, time-based deposits, and certificates of deposit. Its extensive lending portfolio features personal loans (including unsecured options), consumer loans, overdraft facilities, home mortgages, educational financing, solar energy loans, travel loans, and vehicle financing. Additionally, the bank provides revolving overdraft services tied to future salaries. Beyond traditional banking, CIBEY facilitates global transactions, offers advanced digital banking platforms, and supports businesses with robust cash management services and other corporate banking provisions. Customers can access a full spectrum of payment tools, such as credit, debit, and prepaid cards, alongside smart wallet functionality, mobile banking, internet banking, phone banking, and a broad ATM network. Furthermore, CIBEY extends various other credit facilities and provides investment savings options. Its sophisticated financial offerings include derivative products, structured financing arrangements, corporate leasing, and advisory services for mergers and acquisitions. The bank also manages foreign currency transactions and offers asset and liability management expertise. CIBEY operates through an extensive network of 215 branches across the country. Established in 1975, the institution was initially known as Chase National Bank. Its corporate headquarters are situated in Giza, Egypt.

Commercial International Bank (Egypt) S.A.E is headquartered in EG.

Commercial International Bank (Egypt) S.A.E (CIBEY) stock trades at $2.64 with a market capitalization of $8.71B. The stock is valued at a price-to-earnings (P/E) ratio of 5.98, price-to-book of 1.94, price-to-sales of 1.93. Over the past 52 weeks the stock has ranged between $1.75 and $2.87, and currently trades 8.0% below its 52-week high. It pays a dividend yielding 4.17%.

On profitability, Commercial International Bank (Egypt) S.A.E generates a return on equity (ROE) of 39.40% — well above the market average, a sign of a high-quality business, return on capital employed of 40.01%, an operating margin of 50.44%, a net profit margin of 36.62%.

Official website: www.cibeg.com

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