Commercial Bank International PSC (ADX:CBI) Retained Earnings: د.إ669.7 Mil (As of Mar. 2026)

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ADX:CBI Commercial Bank International PSC ADX:CBI
24 GF Score
Price د.إ0.89
GF Value د.إ0.88
Valuation Fairly Valued
! 3 Warning Signs
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What is Commercial Bank International PSC Retained Earnings?

Commercial Bank International PSC ADX:CBI 24 Retained Earnings is د.إ669.7 Mil as of Mar. 2026. GuruFocus rates ADX:CBI with a GF Score™ of 24/100 and a GF Value™ of د.إ0.88 (Fairly Valued). The stock has 3 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Commercial Bank International PSC's retained earnings for the quarter that ended in Mar. 2026 was د.إ669.7 Mil.

Commercial Bank International PSC's quarterly retained earnings increased from Sep. 2025 (د.إ529.1 Mil) to Dec. 2025 (د.إ634.6 Mil) and increased from Dec. 2025 (د.إ634.6 Mil) to Mar. 2026 (د.إ669.7 Mil).

Commercial Bank International PSC's annual retained earnings increased from Dec. 2023 (د.إ31.1 Mil) to Dec. 2024 (د.إ443.5 Mil) and increased from Dec. 2024 (د.إ443.5 Mil) to Dec. 2025 (د.إ634.6 Mil).


Commercial Bank International PSC  (ADX:CBI) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Commercial Bank International PSC Retained Earnings Historical Data

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The historical data trend for Commercial Bank International PSC's Retained Earnings 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 Retained Earnings Chart

Commercial Bank International PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only -149.20 -152.33 31.08 443.50 634.61

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
Retained Earnings 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 485.20 514.05 529.10 634.61 669.73
ADX:CBI
24GF Score
Commercial Bank International PSC ADX:CBI
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial Bank International PSC Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of د.إ669.7 Mil mean?
Commercial Bank International PSC (ADX:CBI) has a Retained Earnings of د.إ669.7 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Commercial Bank International PSC and its competitors.
Is Commercial Bank International PSC's Retained Earnings too high?
Commercial Bank International PSC's current Retained Earnings is د.إ669.7 Mil. 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 Retained Earnings compare to PNC and USB?
Commercial Bank International PSC's Retained Earnings of د.إ669.7 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Commercial Bank International PSC and its competitors. Commercial Bank International PSC's current Retained Earnings is د.إ669.7 Mil. 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.إ0.88, compared to a current price of د.إ0.89 — trading 1.1% above its estimated fair value. The current Retained Earnings is د.إ669.7 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Commercial Bank International PSC (ADX:CBI), the current Retained Earnings is د.إ669.7 Mil 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 1.1% above its estimated GF Value™ of د.إ0.88. GuruFocus considers Commercial Bank International PSC to be Fairly Valued.

Key valuation signals for ADX:CBI:

  • Retained Earnings: د.إ669.7 Mil
  • GF Value™: د.إ0.88 vs. price of د.إ0.89 (1.1% above fair value)
  • GF Score™: 24/100 with 3 warning signs

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

Get the complete analysis for ADX:CBI

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

د.إ0.89
Price
د.إ0.88
GF Value