Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
AlJanoob Islamic Bank Investment and Fin (IQS:BJAB) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
AlJanoob Islamic Bank Investment and Fin Piotroski F-Score Related Terms
AlJanoob Islamic Bank Investment and Fin Piotroski F-Score Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AlJanoob Islamic Bank Investment and Fin Piotroski F-Score Chart
AlJanoob Islamic Bank Investment and Fin Annual Data
For the Banks - Regional subindustry, AlJanoob Islamic Bank Investment and Fin's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AlJanoob Islamic Bank Investment and Fin Piotroski F-Score vs Banks Industry
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
AlJanoob Islamic Bank Investment and Fin's current Net Income (TTM) was 15,464.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
AlJanoob Islamic Bank Investment and Fin's current Cash Flow from Operations (TTM) was -580,117.
==> Negative ==> Score 0.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
AlJanoob Islamic Bank Investment and Fin's return on assets of this year was 0.00810809. AlJanoob Islamic Bank Investment and Fin's return on assets of last year was 0.04750261.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
AlJanoob Islamic Bank Investment and Fin's gearing of this year was 0. AlJanoob Islamic Bank Investment and Fin's gearing of last year was 0.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
AlJanoob Islamic Bank Investment and Fin's current ratio of this year was 1.71853199. AlJanoob Islamic Bank Investment and Fin's current ratio of last year was 1.42916286.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
AlJanoob Islamic Bank Investment and Fin's number of shares in issue this year was 510000. AlJanoob Islamic Bank Investment and Fin's number of shares in issue last year was 510000.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
AlJanoob Islamic Bank Investment and Fin's net margin of this year was 0.30725002. AlJanoob Islamic Bank Investment and Fin's net margin of last year was 0.443705.
==> Last year's net margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
AlJanoob Islamic Bank Investment and Fin's asset turnover of this year was 0.02638924. AlJanoob Islamic Bank Investment and Fin's asset turnover of last year was 0.10705899.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
=
Que. 1
+
Que. 2
+
Que. 3
+
Que. 4
+
Que. 5
+
Que. 6
+
Que. 7
+
Que. 8
+
Que. 9
=
1
+
0
+
0
+
0
+
1
+
1
+
1
+
0
+
0
=
4
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
AlJanoob Islamic Bank Investment and Fin has an F-score of 4 indicating the company's financial situation is typical for a stable company.
AlJanoob Islamic Bank Investment and Fin (IQS:BJAB) has a Piotroski F-Score of 4 as of Jul. 31, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on AlJanoob Islamic Bank Investment and Fin and its competitors. This is 50% below median its historical median of 8.00. Over the past decade, AlJanoob Islamic Bank Investment and Fin's Piotroski F-Score has ranged from 4.00 to 9.00.
Is AlJanoob Islamic Bank Investment and Fin's Piotroski F-Score too high?
AlJanoob Islamic Bank Investment and Fin's current Piotroski F-Score of 4 is 50% below median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 9.00. The Banks industry median Piotroski F-Score is 6.00. AlJanoob Islamic Bank Investment and Fin's value of 4 is 33.3% below this industry median.
How does AlJanoob Islamic Bank Investment and Fin's Piotroski F-Score compare to ?
AlJanoob Islamic Bank Investment and Fin's Piotroski F-Score of 4 can be compared against companies in the Banks industry. The industry median Piotroski F-Score is 6.00. AlJanoob Islamic Bank Investment and Fin's value of 4 is 33.3% below this benchmark. Historically, AlJanoob Islamic Bank Investment and Fin's own Piotroski F-Score has ranged from 4.00 to 9.00 over the past decade. While the company's 10-year median is 8.00 vs. the industry median of 6.00, AlJanoob Islamic Bank Investment and Fin has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AlJanoob Islamic Bank Investment and Fin's current Piotroski F-Score of 4 is 33.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on AlJanoob Islamic Bank Investment and Fin and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AlJanoob Islamic Bank Investment and Fin's current Piotroski F-Score is 4, which is 50% below median its own 10-year median of 8.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AlJanoob Islamic Bank Investment and Fin stock overvalued right now?
AlJanoob Islamic Bank Investment and Fin (IQS:BJAB) has a current Piotroski F-Score of 4. The current Piotroski F-Score is 4, which is 50% below median its 10-year median of 8.00 and 33.3% below the Banks industry median of 6.00. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For AlJanoob Islamic Bank Investment and Fin (IQS:BJAB), the current Piotroski F-Score is 4 as of Jul. 31, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
AlJanoob Islamic Bank Investment and Fin offers a varieties of products and services that meet the market requirements of both corporate and individual sectors. The bank plays a role by introducing Islamic Sharia-compliant products that support its position in entrepreneurship. Additionally, the bank has launched a package of electronic services and new channels to enhance electronic payment systems and drive digital transformation.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
IQS:BJAB has been successfully added to your 
