Commercial Bank International PSC (ADX:CBI) PE Ratio without NRI: 4.68 (As of Jul. 06, 2026) — 43% Below 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 PE Ratio without NRI?

Commercial Bank International PSC ADX:CBI 24 PE Ratio without NRI is 4.68 as of Jul. 06, 2026, which is 43% below its 10-year median of 8.21. 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 1,451 Banks companies, Commercial Bank International PSC ranks better than 93.25% on this metric.

The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. As of today (2026-07-06), Commercial Bank International PSC's share price is د.إ0.89. Commercial Bank International PSC's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was د.إ0.19. Therefore, Commercial Bank International PSC's PE Ratio without NRI for today is 4.68.

During the past 13 years, Commercial Bank International PSC's highest PE Ratio without NRI was 33.61. The lowest was 3.26. And the median was 8.21.

Commercial Bank International PSC's EPS without NRI for the three months ended in Mar. 2026 was د.إ0.03. Its EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was د.إ0.19.

As of today (2026-07-06), Commercial Bank International PSC's share price is د.إ0.89. Commercial Bank International PSC's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was د.إ0.13. Therefore, Commercial Bank International PSC's PE Ratio (TTM) for today is 6.74.

Good Sign:

Commercial Bank International PSC stock PE Ratio (=6.74) is close to 1-year low of 6.2.

During the past years, Commercial Bank International PSC's highest PE Ratio (TTM) was 41.42. The lowest was 4.11. And the median was 7.97.

Commercial Bank International PSC's EPS (Diluted) for the three months ended in Mar. 2026 was د.إ0.03. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was د.إ0.13.

Commercial Bank International PSC's EPS (Basic) for the three months ended in Mar. 2026 was د.إ0.03. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was د.إ0.13.


Commercial Bank International PSC  (ADX:CBI) PE Ratio without NRI Explanation

The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.

In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.

If a company loses money, the PE Ratio becomes meaningless.

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.

Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.

Similar to the PE Ratio or PS Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PE Ratio without NRI measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.


Commercial Bank International PSC PE Ratio without NRI Related Terms


Commercial Bank International PSC PE Ratio without NRI Historical Data

* Premium members only.

The historical data trend for Commercial Bank International PSC's PE Ratio without NRI 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 PE Ratio without NRI Chart

Commercial Bank International PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PE Ratio without NRI
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.82 12.86 9.73 8.10 6.67

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
PE Ratio without NRI 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 4.16 5.07 10.52 6.67 4.21

ADX:CBI vs PNC, USB: PE Ratio without NRI Comparison

For the Banks - Regional subindustry, Commercial Bank International PSC's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Banks Industry

For the Banks industry and Financial Services sector, Commercial Bank International PSC's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where Commercial Bank International PSC's PE Ratio without NRI falls into.


ADX:CBI
24GF Score
Commercial Bank International PSC ADX:CBI
PE Ratio without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial Bank International PSC PE Ratio without NRI Calculation

The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. Regular PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than regular PE Ratio.

Commercial Bank International PSC's PE Ratio without NRI for today is calculated as

PE Ratio without NRI=Share Price/ EPS without NRI
=0.89/0.190
=4.68

Commercial Bank International PSC's Share Price of today is د.إ0.89.
Commercial Bank International PSC's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was د.إ0.19.

* 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.

There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.

In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.

In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months.

For Forward PE Ratio, the earnings are the expected earnings for the next twelve months.

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.

Frequently Asked Questions Learn more about PE Ratio without NRI →
What does a PE Ratio without NRI of 4.68 mean?
Commercial Bank International PSC (ADX:CBI) has a PE Ratio without NRI of 4.68 as of Jul. 06, 2026. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Commercial Bank International PSC and its competitors. This is 43% below median its historical median of 8.21. Over the past decade, Commercial Bank International PSC's PE Ratio without NRI has ranged from 3.26 to 33.61. According to the industry distribution chart, Commercial Bank International PSC ranks #98 out of 1451 companies in the Banks industry, placing it in the top 6.8%.
Is Commercial Bank International PSC's PE Ratio without NRI too high?
Commercial Bank International PSC's current PE Ratio without NRI of 4.68 is 43% below median its 10-year median of 8.21. Over the past 10 years, this metric has ranged from a low of 3.26 to a high of 33.61. The Banks industry median PE Ratio without NRI is 11.47. Commercial Bank International PSC's value of 4.68 is 59.2% below this industry median. Based on the distribution chart, Commercial Bank International PSC ranks #98 out of 1451 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 PE Ratio without NRI compare to PNC and USB?
According to the Banks industry distribution chart, Commercial Bank International PSC ranks #98 out of 1451 companies for PE Ratio without NRI. This places Commercial Bank International PSC in the top 7% of its industry — outperforming the majority of peers. The industry median PE Ratio without NRI is 11.47. Commercial Bank International PSC's value of 4.68 is 59.2% below this benchmark. Historically, Commercial Bank International PSC's own PE Ratio without NRI has ranged from 3.26 to 33.61 over the past decade. While the company's 10-year median is 8.21 vs. the industry median of 11.47, Commercial Bank International PSC 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 PE Ratio without NRI for a Banks company?
The median PE Ratio without NRI among Banks companies is 11.47, based on 1,451 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio without NRI significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial Bank International PSC's current PE Ratio without NRI of 4.68 is 59.2% 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 PE Ratio without NRI mean?
A high PE Ratio without NRI can signal that a stock is expensive relative to its fundamentals. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Commercial Bank International PSC and its competitors. For the Banks industry, the median PE Ratio without NRI is 11.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Bank International PSC's current PE Ratio without NRI is 4.68, which is 43% below median its own 10-year median of 8.21. 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 PE Ratio without NRI is 4.68, which is 43% below median its 10-year median of 8.21 and 59.2% below the Banks industry median of 11.47. 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 PE Ratio without NRI calculated?
PE Ratio without NRI is calculated from a company's financial statements. For Commercial Bank International PSC (ADX:CBI), the current PE Ratio without NRI is 4.68 as of Jul. 06, 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:

  • PE Ratio without NRI: 4.68 (43% below median its 10-year median of 8.21)
  • 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: 59.2% below the Banks median (#98 of 1451)

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.
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PE Ratio without NRI 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