Commercial Bank International PSC (ADX:CBI) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


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 Scaled Net Operating Assets?

Commercial Bank International PSC ADX:CBI 24 Scaled Net Operating Assets is 0.12 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Commercial Bank International PSC's operating assets for the quarter that ended in Mar. 2026 was د.إ21,262.5 Mil. Commercial Bank International PSC's operating liabilities for the quarter that ended in Mar. 2026 was د.إ18,718.6 Mil. Commercial Bank International PSC's Total Assets for the quarter that ended in Dec. 2025 was د.إ21,945.1 Mil. Therefore, Commercial Bank International PSC's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

ADX:CBI
24GF Score
Commercial Bank International PSC ADX:CBI
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial Bank International PSC Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Commercial Bank International PSC's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(19993.063-17768.254)/20894.657
=0.11

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=21945.098 - 1952.035
=19993.063

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=18611.228 - 842.974 - 0
=17768.254

Commercial Bank International PSC's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(21262.458-18718.572)/21945.098
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=22095.769 - 833.311
=21262.458

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=18718.572 - 0 - 0
=18718.572

* 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.

What does a Scaled Net Operating Assets of 0.12 mean?
Commercial Bank International PSC (ADX:CBI) has a Scaled Net Operating Assets of 0.12 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Commercial Bank International PSC and its competitors.
Is Commercial Bank International PSC's Scaled Net Operating Assets too high?
Commercial Bank International PSC's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets compare to PNC and USB?
Commercial Bank International PSC's Scaled Net Operating Assets of 0.12 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Commercial Bank International PSC and its competitors. Commercial Bank International PSC's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Commercial Bank International PSC (ADX:CBI), the current Scaled Net Operating Assets is 0.12 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:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: د.إ0.87 vs. price of د.إ0.89 (2.3% 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

Scaled Net Operating Assets 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