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Commercial International Bank (CIBEY)

Commercial International Bank Egypt (CIB) S.A.E. is a banking group based in Giza, Egypt, with roots dating to 1975 and its current name adopted in 1987. Through its corporate and SME banking, investment, retail banking, and assets and liabilities management segments, the company provides a broad range of financial services in Egypt. Its offerings include deposit accounts, certificates of deposit, savings products, lending solutions for individuals and businesses, mortgages, overdraft facilities, cards, payroll services, payment acceptance, treasury, digital banking, foreign currency services, and structured financing. The company also provides insurance products, financial instruments, corporate leasing, and merger and acquisitions-related information services. The listed security is an ADR representing the company’s common stock and trades on OTC Markets under the symbol CIBE.Y.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Overall Financial Health	Dividend Yield	Next Earnings Date	P/E Ratio	Price-to-Book Ratio	Price-to-Sales Ratio	Market Cap	Total Debt / Total Capital	Free Float / Shares Outstanding	Altman Z-Score	Payout Ratio	Free Cash Flow / Net Income
OTC-CIBE.Y	$2.52	4.6% Upside	Fair	Not available	Not available	Good	4.0%	November 3, 2026	6.8x	1.9x	3.3x	8.672 B	8.1%	79.6%	0.4	33.5%	-153.9%

Smart Snapshot

Stock Overview

A fast read of the company and market metrics currently supported by the latest data.

Company Profile

Sector

Financials

Index Membership

Neutral

Valuation Snapshot

Fair Value

$2.52

Valuation Gap

4.6% Upside

Quality & Risk

Financial Health

Good

Piotroski Score

0 K

Altman Z-Score

0.4

Upcoming Events

Next Earnings Date

November 3, 2026

Days to Earnings

Strong Sell

Valuation • Fair Value

Commercial International Bank (OTC-CIBE.Y) Fair Value by Valuation Model

Review the available estimates for Commercial International Bank (OTC-CIBE.Y), including Ben Graham Formula Value.

Primary Valuation Read

Fair Value

$2.52

Estimated upside of 4.6% versus the current market price.

Ben Graham Formula Value

Classic Ben Graham valuation formula reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 2 available valuation references for Commercial International Bank (OTC-CIBE.Y) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Commercial International Bank (OTC-CIBE.Y)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

Strong Sell

Current operating scale indicator.

Revenue Forecast

Strong Sell

Forward revenue estimate.

EBITDA

Banks

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Commercial International Bank (OTC-CIBE.Y) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Commercial International Bank (OTC-CIBE.Y)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

0 K

Weak quality score that deserves closer review.

Altman Z-Score

0.4

Lower score that deserves closer risk review.

FCF / Net Income

-153.9%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Commercial International Bank (OTC-CIBE.Y). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Commercial International Bank (OTC-CIBE.Y)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

November 3, 2026

Days to Earnings

Strong Sell

Dividend Yield

4.0%

Current income yield reference.

Payout Ratio

33.5%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Commercial International Bank (OTC-CIBE.Y), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Analyst Outlook

Analyst Consensus for Commercial International Bank (OTC-CIBE.Y)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Analyst Consensus for Commercial International Bank (OTC-CIBE.Y)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy

Consolidated analyst recommendation mix

Hold

Based on the available recommendation mix, Commercial International Bank (OTC-CIBE.Y) has a Hold consensus, with 0 buy, 3 hold and 0 sell recommendations in the current data set.

Buy 0

Hold 3

Sell 0

FAQ • Fast Investor Answers

Commercial International Bank (OTC-CIBE.Y) Stock FAQ

Data-supported answers about Commercial International Bank (OTC-CIBE.Y), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value

$2.52

Estimated upside 4.6%

Valuation Rating

Undervalued

Estimated upside of 4.6%

Financial Health

Good

Current financial-health read

The current fair value estimate for Commercial International Bank (OTC-CIBE.Y) is $2.52. This implies an estimated upside of 4.6% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 4.6% versus the current market price.

The current financial health read for Commercial International Bank (OTC-CIBE.Y) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Commercial International Bank (OTC-CIBE.Y) is November 3, 2026.

Based on the current data, dividend yield is 4.0%.

The current P/E ratio listed for Commercial International Bank (OTC-CIBE.Y) is 6.8x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Commercial International Bank is 8.672 B.

The ticker symbol for Commercial International Bank is OTC-CIBE.Y, and the stock is listed on OTC Markets.

Commercial International Bank (OTC-CIBE.Y) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Commercial International Bank is 8.1%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Commercial International Bank is 79.6%. Free float helps investors understand how much of the share base is available for public trading.