Saudi National Bank (SNB) intrinsic value and dividend analysis using DCF, P/B, PEG and PSG models. Includes dividend yield, payout ratio, and dividend sustainability assessment. Sector: Banks. Listed on Saudi Exchange Tadawul.
The Saudi National Bank, formerly known as the National Commercial Bank, provides banking and investment management services in Saudi Arabia and internationally. Its offerings span personal and Shariah-compliant financing, corporate and project finance, treasury and trade finance, and private banking, wealth management, asset management, and brokerage services. Founded in 1950 and renamed in 2021, the bank is headquartered in Riyadh.
TASIV estimates this company's intrinsic value using a Price-to-Book (P/B) model. As of TASIV's most recent data refresh, the estimated intrinsic value is SAR 36.60 compared to a market price of SAR 41.60 (Trading above DCF model value). This is an analytical estimate, not investment advice.
Net income increased by about 25% over the three-year period, growing faster than revenue's approximately 13% increase, indicating profitability expanded ahead of sales. Operating cash flow fluctuated far more than either metric, moving from about SAR 39.08 billion to roughly -SAR 42.13 billion and then to about SAR 7.88 billion, unlike the steadier growth in revenue and net income. Overall, the company's historical financial performance shows consistent growth in revenue and profitability alongside a highly variable operating cash flow.
Dividend per share fluctuated over the 5-year recorded period, ranging between SAR 1.45 and SAR 2.3, and ended at SAR 2.3 versus SAR 2 at the start. Payments have been made on a Semi-Annual basis throughout this period. Overall, the company's per-share dividend has varied year to year without a consistent direction. Current dividend yield is approximately 5.53%, with a payout ratio of approximately 55.17%.
TASIV's Competitive Advantage assessment for this company is High (76/100), based on profitability, predictability, financial strength, and growth resilience.
Based on TASIV's Price-to-Book (P/B) model, the estimated intrinsic value of Saudi National Bank (SNB) is approximately SAR 36.60, compared to a current market price of SAR 41.60. This is an analytical estimate based on the company's financial data, not investment advice or a recommendation to buy or sell.
According to TASIV's model, Saudi National Bank (SNB) is currently "Trading above DCF model value".
Saudi National Bank (SNB)'s dividend yield is approximately 5.53%, with a payout ratio of approximately 55.17%, based on TASIV's most recent verified data.
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