Commercial Bank International PSC (ADX:CBI) OCF Margin %: 127.94% (As of Mar. 2026) — 199% Above Median


ADX:CBI Commercial Bank International PSC ADX:CBI
24 GF Score
Price د.إ0.89
GF Value د.إ0.87
Valuation Fairly Valued
! 3 Warning Signs
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What is Commercial Bank International PSC OCF Margin %?

Commercial Bank International PSC ADX:CBI 24 OCF Margin % is 127.94% as of Mar. 2026, which is 199% above its 10-year median of 42.78. GuruFocus rates ADX:CBI with a GF Score™ of 24/100 and a GF Value™ of د.إ0.87 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,501 Banks companies, Commercial Bank International PSC ranks better than 68.69% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Commercial Bank International PSC's Cash Flow from Operations for the three months ended in Mar. 2026 was د.إ189.5 Mil. Commercial Bank International PSC's Revenue for the three months ended in Mar. 2026 was د.إ148.1 Mil. Therefore, Commercial Bank International PSC's OCF Margin % for the quarter that ended in Mar. 2026 was 127.94%.

As of today, Commercial Bank International PSC's current OCF Yield % is 20.74%.

The historical rank and industry rank for Commercial Bank International PSC's OCF Margin % or its related term are showing as below:

ADX:CBI' s OCF Margin % Range Over the Past 10 Years
Min: -398.65   Med: 42.78   Max: 305.24
Current: 43.39


During the past 13 years, the highest OCF Margin % of Commercial Bank International PSC was 305.24%. The lowest was -398.65%. And the median was 42.78%.

ADX:CBI's OCF Margin % is ranked better than
68.69% of 1501 companies
in the Banks industry
Industry Median: 29.44 vs ADX:CBI: 43.39


Commercial Bank International PSC OCF Margin % Related Terms


Commercial Bank International PSC OCF Margin % Historical Data

* Premium members only.

The historical data trend for Commercial Bank International PSC's OCF Margin % can be seen below:

* 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 Bank International PSC OCF Margin % Chart

Commercial Bank International PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 305.24 -4.34 -149.75 58.80 11.89

Commercial Bank International PSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -17.43 96.38 -130.88 79.13 127.94

ADX:CBI vs PNC: OCF Margin % Comparison

For the Banks - Regional subindustry, Commercial Bank International PSC's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 Bank International PSC OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Commercial Bank International PSC's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Commercial Bank International PSC's OCF Margin % falls into.


ADX:CBI
24GF Score
Commercial Bank International PSC ADX:CBI
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial Bank International PSC OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Commercial Bank International PSC's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=94.942/798.447
=11.89 %

Commercial Bank International PSC's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=189.518/148.136
=127.94 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 127.94% mean?
Commercial Bank International PSC (ADX:CBI) has a OCF Margin % of 127.94% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Commercial Bank International PSC and its competitors. This is 199% above median its historical median of 42.78. According to the industry distribution chart, Commercial Bank International PSC ranks #470 out of 1501 companies in the Banks industry, placing it in the top 31.3%.
Is Commercial Bank International PSC's OCF Margin % too high?
Commercial Bank International PSC's current OCF Margin % of 127.94% is 199% above median its 10-year median of 42.78. The Banks industry median OCF Margin % is 29.44. Commercial Bank International PSC's value of 127.94% is 334.6% above this industry median. Based on the distribution chart, Commercial Bank International PSC ranks #470 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, Commercial Bank International PSC has a GF Score™ of 24/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commercial Bank International PSC's OCF Margin % compare to PNC?
According to the Banks industry distribution chart, Commercial Bank International PSC ranks #470 out of 1501 companies for OCF Margin %. This puts Commercial Bank International PSC in the upper half of its industry. The industry median OCF Margin % is 29.44. Commercial Bank International PSC's value of 127.94% is 334.6% above this benchmark. While the company's 10-year median is 42.78 vs. the industry median of 29.44, Commercial Bank International PSC has consistently been above 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial Bank International PSC's current OCF Margin % of 127.94% is 334.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Commercial Bank International PSC and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Bank International PSC's current OCF Margin % is 127.94%, which is 199% above median its own 10-year median of 42.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial Bank International PSC stock overvalued right now?
Based on GuruFocus' analysis, Commercial Bank International PSC (ADX:CBI) is currently considered Fairly Valued. The stock's GF Value™ is د.إ0.87, compared to a current price of د.إ0.89 — trading 2.3% above its estimated fair value. The current OCF Margin % is 127.94%, which is 199% above median its 10-year median of 42.78 and 334.6% above the Banks industry median of 29.44. Commercial Bank International PSC's overall GF Score™ is 24/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Commercial Bank International PSC (ADX:CBI), the current OCF Margin % is 127.94% as of Mar. 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 Bank International PSC (ADX:CBI) Overvalued in 2026?

Based on GuruFocus' analysis, Commercial Bank International PSC stock appears to be overvalued. The current stock price of د.إ0.89 is trading 2.3% above its estimated GF Value™ of د.إ0.87. GuruFocus considers Commercial Bank International PSC to be Fairly Valued.

Key valuation signals for ADX:CBI:

  • OCF Margin %: 127.94% (199% above median its 10-year median of 42.78)
  • GF Value™: د.إ0.87 vs. price of د.إ0.89 (2.3% above fair value)
  • GF Score™: 24/100 with 3 warning signs
  • Industry Position: 334.6% above the Banks median (#470 of 1501)

No single metric tells the full story. See the ADX:CBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Commercial Bank International PSC Business Description

Address Ras Al-Khaimah, P.O. Box 793, Dubai, ARE
Commercial Bank International PSC provides banking services to companies and enterprising people in the UAE for their personal and professional financial needs. The company's operating segment includes Wholesale banking; Retail banking; Treasury; Real estate and Others. It generates majority of its revenue from the wholesale banking segment.
24GF Score

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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ0.89
Price
د.إ0.87
GF Value