Commercial Bank (CBQK) Financial Ratio Screen

QSE Financial Services Qatar QAR 17075M
BUSINESS EXCLUSION FLAG*
Automated financial screen · activity assessed separately
Commercial Bank (CBQK) is potentially non-compliant because its supplied classification is Banks - Regional. Companies operating in prohibited sectors such as conventional banking, insurance, alcohol, tobacco, and gambling are automatically excluded regardless of their financial ratios.

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MSCI new-inclusion financial-ratio snapshot

CBQK financial screening at a glance

BUSINESS EXCLUSION FLAG*Financial ratios shown separately from business review — not a fatwa
Debt ratio
N/A
Not available vs 30%
Cash ratio
N/A
Not available vs 30%
Receivables + cash
N/A
Not available vs 30%
Impermissible income
N/A
Not available vs 5%

Calculation date: 2026-08-31. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.

Independent method comparison

What the available screens say

How MSCI, FTSE and S&P-style screens differ
Request this stock review
MSCI-styleBusiness exclusion flagSupplied classification requires attention
FTSE/Yasaar-styleBusiness exclusion flagSupplied classification requires attention
S&P-style provisionalNot yet availableRequired denominator or financial data is incomplete
Business activityBusiness exclusion flagSupplied sector or industry classification matched an exclusion
Complete screening result: not yet completeA complete result requires both supported financial criteria and adequate activity evidence. This site does not issue a fatwa or official index decision.
Financial periodDecember 2025Calculation date2026-08-31S&P-style historynot availableLast activity reviewnot yet reviewed

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Business activity evidence

Business exclusion flag

The supplied classification (Banks - Regional) matches a prohibited-activity category.

Revenue segments: Not yet checked against an SEC annual filing.

Profile description reviewed: The Commercial Bank (P.S.Q.C.), together with its subsidiaries, engages in the conventional banking, brokerage, and credit card businesses in Qatar and internationally. It operates through four segments: Wholesale Banking, Retail Banking, International, and Unallocated, Intra – group transaction and others segments. The Wholesale Banking segment provides various conventional funded and non-funded credit facilities; demand and time deposit services; currency exchange facilities; interest rate swaps and other derivative trading services; and loan syndication and structured financing services, as well as manages money market funds and proprietary investment portfolio. This segment serves corporate, commercial, and multinational customers. The Retail Banking segment offers personal current, savings, time, and investment account services; credit and debit card services; consumer and vehicle loans; residential mortgage services; custodial services to retail and individual customers; and brokerage services. The International segment provides banking services through a network of branches in Turkey. The Unallocated, Intra - group transactions segment undertakes Unallocated assets, liabilities and revenues related to central functions and non-core business operations. The company provides insurance products; letters of credit, letters of guarantee, and documentary and commercial letters of credit; foreign exchange and money market placement services; fund transfer services; Internet, mobile, and telephone banking services; and wealth management services. The Commercial Bank (P.S.Q.C.) was incorporated in 1974 and is based in Doha, Qatar.

Sources to verify: Secondary company profile and classification · Issuer website

A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.

Published-ratio reproductions (not certifications)

The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.

Based on financial data from December 2025

Standard Debt Ratio Cash Ratio Receivables Income Status
MSCI Excluded — Banks - Regional BUSINESS EXCLUSION FLAG*
FTSE Excluded — Banks - Regional BUSINESS EXCLUSION FLAG*

Financial Highlights

P/E Ratio
8.4
Forward: 6.6
EPS
$0.50
Dividend Yield
721.0%
Payout: 60.0%
P/B Ratio
0.6
Revenue
$4.7B
Growth: -10.4%
Beta
0.5
Low volatility

Profitability

Gross Margin 0.0%
Operating Margin 37.9%
Net Margin 57.2%
Return on Equity (ROE) 8.3%
Return on Assets (ROA) 1.2%

Cash Flow & Balance Sheet

Operating Cash Flow$8.7B
Free Cash Flow$8.5B
Total Debt$41.2B
Total Assets$192.9B

Price & Trading

Last CloseQAR 4.16
50-Day MAQAR 4.64
200-Day MAQAR 4.50
Avg Volume3.3M
Beta0.5
52-Week Range
QAR 3.85
QAR 5.05

Financial data provenance and verification

The displayed fields were imported from yfinance on 2026-03-29 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.

Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.

About Commercial Bank (CBQK)

CEO
Mr. Stephen Colin Moss
Website
Sector
Financial Services
Industry
Banks - Regional
Country
Qatar
Exchange
QSE
Market Cap (listing currency)
QAR 17075M
Currency
QAR

The Commercial Bank (P.S.Q.C.), together with its subsidiaries, engages in the conventional banking, brokerage, and credit card businesses in Qatar and internationally. It operates through four segments: Wholesale Banking, Retail Banking, International, and Unallocated, Intra – group transaction and others segments. The Wholesale Banking segment provides various conventional funded and non-funded credit facilities; demand and time deposit services; currency exchange facilities; interest rate swaps and other derivative trading services; and loan syndication and structured financing services, as well as manages money market funds and proprietary investment portfolio. This segment serves corporate, commercial, and multinational customers. The Retail Banking segment offers personal current, savings, time, and investment account services; credit and debit card services; consumer and vehicle loans; residential mortgage services; custodial services to retail and individual customers; and brokerage services. The International segment provides banking services through a network of branches in Turkey. The Unallocated, Intra - group transactions segment undertakes Unallocated assets, liabilities and revenues related to central functions and non-core business operations. The company provides insurance products; letters of credit, letters of guarantee, and documentary and commercial letters of credit; foreign exchange and money market placement services; fund transfer services; Internet, mobile, and telephone banking services; and wealth management services. The Commercial Bank (P.S.Q.C.) was incorporated in 1974 and is based in Doha, Qatar.

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Frequently Asked Questions

Is Commercial Bank (CBQK) halal to invest in?

The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.

What is Commercial Bank's debt ratio?

Commercial Bank's debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.

What are Commercial Bank's key financial metrics?

Commercial Bank has a market capitalization of QAR 17075M in its listing currency, trailing P/E ratio of 8.4, and revenue of $4.7B. Return on equity stands at 8.3%.

How often is the screening data updated?

Calculation date: 2026-08-31. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.

Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.