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National Bank of Umm Al-Qaiwain (PSC) (ADX:NBQ)
United Arab Emirates flag United Arab Emirates · Delayed Price · Currency is AED
2.830
0.00 (0.00%)
At close: Nov 2, 2026

ADX:NBQ Financials Overview

Millions AED. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
767.66844.15730.87669.21519.28401.13
Revenue Growth
-6.81%15.50%9.21%28.87%29.45%10.95%
Net Income
494.46580.75506.03502.61364.52264.17
Earnings Per Share
0.250.290.250.250.190.14
EPS Growth
-13.35%14.77%0.68%32.72%37.99%29.60%

Revenue by Segment
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Treasury and Investments
423.77470.5431.02308.82158.0850.2
Others
1112.1515.3791.4555.130.48
Retail and Corporate Banking
262.75361.5284.49216.33306.1320.45
Total
697.51844.15730.87616.6519.28401.13

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
4,9403,0915,3283,9743,9833,625
Total Debt
1.461.742.541.953.695.24
Net Cash (Debt)
4,9383,0905,3253,9723,9793,620
Net Cash Growth
-0.40%-41.98%34.09%-0.19%9.92%4.25%
Net Cash Per Share
2.471.542.661.992.071.88

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-2,221-5,217-888.82-683.4469.87758.24
Capital Expenditures
-10.16-13.55-28.05-13.27-6.35-10.08
Free Cash Flow
-2,231-5,231-916.87-696.67463.52748.16
Free Cash Flow Growth
-----38.05%1.37%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
64.41%68.80%69.24%75.11%70.20%65.85%
FCF Margin
-290.63%-619.66%-125.45%-104.10%89.26%186.51%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.2000.2000.1800.1500.1000.074
Dividend Per Share Growth
11.11%11.11%20.00%50.00%35.32%0%
Dividend Yield
7.07%6.69%8.18%8.57%5.59%4.32%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.4510.308.706.969.8212.94
P/FCF Ratio
----7.724.57
PS Ratio
7.377.086.025.236.898.52