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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.
Sharjah Islamic Bank has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Sharjah Islamic Bank displays poor financial strength. Usually, this is caused by too much debt for the company.
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 Sharjah Islamic Bank's interest coverage with the available data.
Sharjah Islamic Bank's debt to revenue ratio for the quarter that ended in Jun. 2026 was 1.82.
Altman Z-Score does not apply to banks and insurance companies.
Sharjah Islamic Bank (ADX:SIB) 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.
Sharjah Islamic Bank has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Sharjah Islamic Bank Financial Strength Related Terms
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:
GuruFocus does not calculate Sharjah Islamic Bank's interest coverage with the available data.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Sharjah Islamic Bank has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
Sharjah Islamic Bank's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is
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.
Sharjah Islamic Bank (ADX:SIB) has a Financial Strength of 2 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Sharjah Islamic Bank and its competitors. This is near median its historical median of 2.00. Over the past decade, Sharjah Islamic Bank's Financial Strength has ranged from 1.00 to 5.00.
Is Sharjah Islamic Bank's Financial Strength too high?
Sharjah Islamic Bank's current Financial Strength of 2 is near median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 5.00. Overall, Sharjah Islamic Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sharjah Islamic Bank's Financial Strength compare to competitors?
Sharjah Islamic Bank's Financial Strength of 2 can be compared against companies in the Banks industry. Historically, Sharjah Islamic Bank's own Financial Strength has ranged from 1.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Sharjah Islamic Bank and its competitors. Sharjah Islamic Bank's current Financial Strength is 2, which is near median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sharjah Islamic Bank stock overvalued right now?
Based on GuruFocus' analysis, Sharjah Islamic Bank (ADX:SIB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ3.16, compared to a current price of د.إ3.00 — trading 5.1% below its estimated fair value. The current Financial Strength is 2, which is near median its 10-year median of 2.00. Sharjah Islamic Bank's overall GF Score™ is 72/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Sharjah Islamic Bank (ADX:SIB), the current Financial Strength is 2 as of Jun. 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 Sharjah Islamic Bank (ADX:SIB) Overvalued in 2026?
Based on GuruFocus' analysis, Sharjah Islamic Bank stock appears to be undervalued.
The current stock price of د.إ3.00 is trading 5.1% below its estimated GF Value™ of د.إ3.16.
GuruFocus considers Sharjah Islamic Bank to be Fairly Valued.
Key valuation signals for ADX:SIB:
Financial Strength: 2 (near median its 10-year median of 2.00)
GF Value™: د.إ3.16 vs. price of د.إ3.00 (5.1% below fair value)
No single metric tells the full story. See the ADX:SIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sharjah Islamic Bank is engaged in providing banking activities, financing, and investing activities to corporates and individuals. The bank's activities comprise four main business segments: Government and corporate, Retail, Investment and treasury, and Hospitality, brokerage and real estate. The majority of its revenue is derived from the Government and corporate segment, in which the bank provides companies, institutions and government departments with a range of Islamic financial products and services.
72GF Score
Get the complete analysis for ADX:SIB
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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