National Bank of Oman SAOG (MSM:NBOB)
Oman flag Oman · Delayed Price · Currency is OMR
0.4580
+0.0030 (0.66%)
At close: Jul 30, 2026

MSM:NBOB Financials Overview

Millions OMR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
157.72148.98137.19130.17117.9999.37
Revenue Growth
10.44%8.59%5.39%10.32%18.74%16.04%
Net Income
58.6353.5750.3445.338.9721.82
Earnings Per Share
0.040.030.030.030.020.01
EPS Growth
13.73%6.42%11.11%16.25%78.65%140.99%

Revenue by Segment

Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Wholesale Banking (Incl. Commercial Banking)
56.1659.4260.0966.3952.23
International Banking
7.356.067.743.273.84
Funding Center
16.847.513.87-12.19-18.75
Islamic Banking
9.9695.325.114.32
Retail Banking
58.6755.2153.1655.4257.73
Total
148.98137.19130.17117.9999.37

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
536.55625.97642.01614.41361.34327.69
Total Debt
429.13417.17191.51412.6458.86489.39
Net Cash (Debt)
107.42208.8450.5201.81-97.52-161.7
Net Cash Growth
-66.55%-53.65%123.23%---
Net Cash Per Share
0.070.130.280.12-0.06-0.10

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
--57.25-679.48-20.68-272.44-137.27
Capital Expenditures
--5.61-8.47-3.54-2.17-2.27
Free Cash Flow
--62.86-687.95-24.22-274.61-139.54
Free Cash Flow Growth
------

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
37.18%35.96%36.69%34.80%33.03%21.95%
FCF Margin
--42.20%-501.46%-18.60%-232.74%-140.43%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.0110.0110.0090.0090.0070.004
Dividend Per Share Growth
11.70%11.70%10.59%14.87%100.00%-
Dividend Yield
2.31%2.83%3.37%3.33%2.89%2.17%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
12.7011.599.5610.0512.0614.61
Forward PE
11.747.958.519.0310.4010.37
PS Ratio
4.724.173.513.503.983.21