Bank of Sharjah PSC (ADX:BOS) Financial Strength: 0 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

ADX:BOS Bank of Sharjah PSC ADX:BOS
30 GF Score
Price د.إ1.26
GF Value د.إ1.68
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Bank of Sharjah PSC Financial Strength?

Bank of Sharjah PSC has the Financial Strength Rank of 0.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate Bank of Sharjah PSC's interest coverage with the available data. Bank of Sharjah PSC's debt to revenue ratio for the quarter that ended in Jun. 2026 was 4.63. Altman Z-Score does not apply to banks and insurance companies.


Bank of Sharjah PSC  (ADX:BOS) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Bank of Sharjah PSC has the Financial Strength Rank of 0.


Bank of Sharjah PSC Financial Strength Related Terms

ADX:BOS
30GF Score
Bank of Sharjah PSC ADX:BOS
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of Sharjah PSC Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Bank of Sharjah PSC's Interest Expense for the months ended in Jun. 2026 was د.إ-435 Mil. Its Operating Income for the months ended in Jun. 2026 was د.إ0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was د.إ5,564 Mil.

Bank of Sharjah PSC's Interest Coverage for the quarter that ended in Jun. 2026 is

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Bank of Sharjah PSC's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is

Debt to Revenue Ratio=Total Debt (Q: Jun. 2026 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 5563.637) / 1201.04
=4.63

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* 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.

Is Bank of Sharjah PSC (ADX:BOS) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Sharjah PSC stock appears to be undervalued. The current stock price of د.إ1.26 is trading 25% below its estimated GF Value™ of د.إ1.68. GuruFocus considers Bank of Sharjah PSC to be Modestly Undervalued.

Key valuation signals for ADX:BOS:

  • Financial Strength: 0
  • GF Value™: د.إ1.68 vs. price of د.إ1.26 (25% below fair value)
  • GF Score™: 30/100 with 3 warning signs

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


Bank of Sharjah PSC Business Description

Address Al Khan Road, P.O. Box 1394, Sharjah, ARE
Bank of Sharjah PSC provides commercial and investment banking services. It operates through eight branches in the United Arab Emirates located in the Emirates of Sharjah, Dubai, Abu Dhabi, and the City of Al Ain. It is organized into two segments namely, Commercial Banking and Investment banking. The company provides loans and other credit facilities, deposits and current accounts for corporate, government, institutional and individual customers. It earns a majority of its revenue from commercial banking services.
30GF Score

Get the complete analysis for ADX:BOS

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

د.إ1.26
Price
د.إ1.68
GF Value