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Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
CIBEY'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.14 Med: 0.25 Max: 0.49
Current: 0.29
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Commercial International Bank (Egypt) CIB was 0.49. The lowest was 0.14. And the median was 0.25.
CIBEY's Price-to-Projected-FCF is ranked better than 79.85% of 1300
companies
in the Banks industry
Industry Median: 0.6
vs CIBEY: 0.29
Commercial International Bank (Egypt) CIB (OTCPK:CIBEY) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Commercial International Bank (Egypt) CIB's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
2.4765
/
5.2656533695206
=
0.47
* 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.
Commercial International Bank (Egypt) CIB Intrinsic Value: Projected FCF Related Terms
Commercial International Bank (Egypt) CIB Intrinsic Value: Projected FCF 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.
Commercial International Bank (Egypt) CIB Intrinsic Value: Projected FCF Chart
Commercial International Bank (Egypt) CIB Annual Data
Commercial International Bank (Egypt) CIB Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Commercial International Bank (Egypt) CIB's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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.
Commercial International Bank (Egypt) CIB Price-to-Projected-FCF vs Banks Industry
Commercial International Bank (Egypt) CIB Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $8.40 mean?
Commercial International Bank (Egypt) CIB (CIBEY) has a Intrinsic Value: Projected FCF of $8.40 as of Sep. 21, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Commercial International Bank (Egypt) CIB and its competitors. According to the industry distribution chart, Commercial International Bank (Egypt) CIB ranks #262 out of 1300 companies in the Banks industry, placing it in the top 20.2%.
Is Commercial International Bank (Egypt) CIB's Intrinsic Value: Projected FCF too high?
Commercial International Bank (Egypt) CIB's current Intrinsic Value: Projected FCF is $8.40. The Banks industry median Intrinsic Value: Projected FCF is 0.60. Commercial International Bank (Egypt) CIB's value of $8.40 is 1300% above this industry median. Based on the distribution chart, Commercial International Bank (Egypt) CIB ranks #262 out of 1300 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Commercial International Bank (Egypt) CIB has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commercial International Bank (Egypt) CIB's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Commercial International Bank (Egypt) CIB ranks #262 out of 1300 companies for Intrinsic Value: Projected FCF. This places Commercial International Bank (Egypt) CIB in the top 20% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.60. Commercial International Bank (Egypt) CIB's value of $8.40 is 1300% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,300 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial International Bank (Egypt) CIB's current Intrinsic Value: Projected FCF of $8.40 is 1300% above 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Commercial International Bank (Egypt) CIB and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial International Bank (Egypt) CIB's current Intrinsic Value: Projected FCF is $8.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial International Bank (Egypt) CIB stock overvalued right now?
Based on GuruFocus' analysis, Commercial International Bank (Egypt) CIB (CIBEY) is currently considered Fairly Valued. The stock's GF Value™ is $2.41, compared to a current price of $2.48 — trading 2.8% above its estimated fair value. The current Intrinsic Value: Projected FCF is $8.40 and 1300% above the Banks industry median of 0.60. Commercial International Bank (Egypt) CIB's overall GF Score™ is 89/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Commercial International Bank (Egypt) CIB (CIBEY), the current Intrinsic Value: Projected FCF is $8.40 as of Sep. 21, 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.
Is Commercial International Bank (Egypt) CIB (CIBEY) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial International Bank (Egypt) CIB stock appears to be overvalued.
The current stock price of $2.48 is trading 2.8% above its estimated GF Value™ of $2.41.
GuruFocus considers Commercial International Bank (Egypt) CIB to be Fairly Valued.
Key valuation signals for CIBEY:
Intrinsic Value: Projected FCF: $8.40
GF Value™: $2.41 vs. price of $2.48 (2.8% above fair value)
Industry Position: 1300% above the Banks median (#262 of 1300)
No single metric tells the full story. See the CIBEY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Commercial International Bank (Egypt) CIB is a private-sector bank in Egypt. It provides retail, corporate and investment banking services to retail customers, high-net-worth individuals, and enterprises and institutions across Egypt. The company's business segments are: i) Corporate banking & SME's, Investment, Retail banking, Assets and liabilities management. The majority of the company's revenue is derived from the Corporate banking & SME's segment, which includes current account activities, deposits, overdrafts, loans, credit facilities, and financial derivatives to large, medium, and small entities, currency and derivative products.
89GF Score
Get the complete analysis for CIBEY
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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