Commercial International Bank (Egypt) S.A.E (CMGGF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 5.62 means the share price is 5.62 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $8.81B is the value of all shares combined. Beta 0.54: the stock has moved about 46% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerCommercial International Bank (Egypt) S.A.E (CMGGF) trades at $2.67. Commercial International Bank (Egypt) S.A.E. is a leading financial institution offering a range of retail, corporate, and investment banking services. Market cap: $8.81B, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for CMGGF: CMGGF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CMGGF against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
Commercial International Bank (Egypt) S.A.E (CMGGF) Financial Services Profile
Commercial International Bank (Egypt) S.A.E., founded in 1975 and headquartered in Giza, is a prominent regional bank providing comprehensive financial solutions, including retail, corporate, and investment banking. With a robust branch network and digital services, CMGGF serves a diverse clientele in Egypt, demonstrating strong profitability and a solid market position.
What Is the Investment Thesis for CMGGF?
With a P/E ratio of 5.62 and a profit margin of 35.6%, CMGGF demonstrates financial efficiency. The bank's dividend yield of 2.02% provides an additional incentive for investors. Potential risks include regulatory changes and economic instability in Egypt, which could impact the bank's performance. However, CMGGF's diversified service offerings and strong risk management practices mitigate these risks. The company's beta of 0.54 indicates lower volatility compared to the market, making it a relatively stable investment.
Based on FMP financials and quantitative analysis
CMGGF Key Highlights
Market capitalization of $8.81B, reflecting substantial investor confidence.
- P/E ratio of 5.62, indicating an attractive valuation compared to peers.
- Profit margin of 35.6%, showcasing strong operational efficiency.
- Gross margin of 65.2%, demonstrating effective cost management.
- Dividend yield of 2.02%, providing a steady income stream for investors.
Who Are CMGGF's Competitors?
CMGGF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| AMMHF AMMB Holdings Berhad | $1.25 | 0.00% | $4.15B | — |
| BOFKF The Bank of Kyoto, Ltd. | $43.50 | 0.00% | $3.23B | — |
| CBBYF Virgin Money UK PLC | $2.20 | 0.00% | $3.54B | — |
| CBWBF Canadian Western Bank | $39.71 | 0.00% | $3.84B | — |
| BOKF BOK Financial Corporation | $135.21 | +0.52% | $8.22B | 905-pillar |
| ZION Zions Bancorporation, National Association | $68.29 | +0.26% | $9.97B | 975-pillar |
| CBC Central Bancompany, Inc. Class A Common Stock | $32.41 | +0.90% | $7.77B | 905-pillar |
| BPOP Popular, Inc. | $163.96 | -0.54% | $10.5B | 925-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CMGGF's Key Strengths?
Strong market position in Egypt.
- Diversified range of banking products and services.
- Extensive branch network and digital presence.
- Experienced management team.
What Are CMGGF's Weaknesses?
Concentration of operations in Egypt.
- Exposure to regulatory and political risks in Egypt.
- Limited international presence.
- Dependence on interest income.
What Could Drive CMGGF Stock Higher?
Expansion of digital banking services to attract a younger customer base.
- Strategic investments in high-growth sectors such as renewable energy and infrastructure.
- Enhancing customer experience through personalized services and innovative solutions.
- Increasing market share in retail and corporate banking through competitive products and services.
- Potential regulatory changes in the Egyptian banking sector that could benefit CMGGF.
What Are the Key Risks for CMGGF?
Financial-distress signal — its Altman Z-Score of -0.11 sits in the distress zone (elevated bankruptcy risk).
- Increasing competition from local and international banks.
- Economic instability in Egypt impacting the bank's performance.
- Regulatory changes and compliance costs affecting profitability.
- Cybersecurity risks and data breaches compromising customer data.
- Concentration of operations in Egypt exposes the bank to regional risks.
What Are the Growth Opportunities for CMGGF?
- Expansion of Digital Banking Services: CMGGF can leverage the increasing adoption of digital banking in Egypt to expand its reach and reduce operational costs. By investing in mobile banking, online platforms, and digital payment solutions, the bank can attract a younger, tech-savvy customer base. The digital banking market in Egypt is projected to grow significantly, offering substantial opportunities for CMGGF to increase its market share and enhance customer engagement. Timeline: Ongoing.
- Strategic Investments in High-Growth Sectors: CMGGF can drive growth by strategically investing in high-growth sectors such as renewable energy, infrastructure, and technology. By providing financing and advisory services to companies in these sectors, the bank can generate higher returns and diversify its revenue streams. The Egyptian government's focus on infrastructure development and renewable energy projects presents significant opportunities for CMGGF to capitalize on these trends. Timeline: Ongoing.
- Enhancing Customer Experience: Improving customer experience through personalized services and innovative solutions can drive customer loyalty and attract new customers. By leveraging data analytics and customer feedback, CMGGF can tailor its offerings to meet the specific needs of different customer segments. Investing in customer relationship management (CRM) systems and training employees to provide exceptional service can enhance customer satisfaction and retention. Timeline: Ongoing.
- Expanding Corporate Banking Services: CMGGF can expand its corporate banking services by offering customized financial solutions to businesses of all sizes. By providing services such as trade finance, cash management, and investment banking, the bank can attract and retain corporate clients. The growing number of small and medium-sized enterprises (SMEs) in Egypt presents a significant opportunity for CMGGF to expand its corporate banking portfolio. Timeline: Ongoing.
- Increasing Market Share in Retail Banking: CMGGF can increase its market share in retail banking by offering competitive products and services, expanding its branch network, and leveraging digital channels. By focusing on customer acquisition and retention, the bank can grow its retail customer base. The increasing disposable income and financial literacy in Egypt are driving demand for retail banking products and services, creating opportunities for CMGGF to expand its market presence. Timeline: Ongoing.
What Are CMGGF's Competitive Advantages?
- Strong brand reputation and established presence in the Egyptian banking sector.
- Extensive branch network providing a wide geographic reach.
- Diversified range of banking products and services.
- Strong relationships with corporate and government clients.
What Does CMGGF Do?
Commercial International Bank (Egypt) S.A.E (CMGGF), established in 1975 and based in Giza, Egypt, has evolved into a leading financial services provider in the region. Originally known as Chase National Bank, it transitioned to Commercial International Bank, expanding its services to encompass a broad spectrum of banking solutions. The bank operates through four key segments: Corporate Banking, Investment, Retail Banking, and Others. Its retail offerings include a variety of accounts such as current and savings accounts, time deposits, and certificates of deposit. CMGGF also provides a range of loan products, including personal, mortgage, educational, and car finance options. For corporate clients, the bank offers global transaction and digital banking services, along with cash management solutions. Investment services include financial instruments trading, structured financing, corporate leasing, and merger and acquisitions advisory. CMGGF also provides credit, debit, and prepaid cards, enhancing customer convenience through digital platforms such as smart wallets, mobile, internet, and phone banking. With 215 branches across Egypt, the bank maintains a strong physical presence, complementing its digital offerings to serve a wide range of customer needs. The bank’s commitment to innovation and customer service has solidified its position as a key player in the Egyptian banking sector.
What Products and Services Does CMGGF Offer?
- Provides retail banking services including current and savings accounts.
- Offers corporate banking services such as cash management and trade finance.
- Provides investment banking services including financial instruments trading.
- Offers personal loans, mortgage loans, and car finance.
- Provides credit, debit, and prepaid cards.
- Offers digital banking services through mobile, internet, and phone banking.
- Provides merger and acquisition advisory services.
How Does CMGGF Make Money?
- Generates revenue from interest income on loans and advances.
- Earns fees from banking services such as transaction processing and account maintenance.
- Derives income from trading in financial instruments.
- Provides advisory services for mergers and acquisitions.
What Industry Does CMGGF Operate In?
Commercial International Bank (Egypt) S.A.E operates within the Egyptian banking sector, which is characterized by increasing competition and evolving regulatory landscape. The market is witnessing a surge in digital banking adoption, driven by technological advancements and changing consumer preferences. CMGGF competes with other regional banks such as AMMHF (Arab Moltaka Investments Holding), BOFKF (Bank of Khartoum), CBBYF (Commercial Bank of Ceylon), CBCY (China Banking Corporation), and CBWBF (City Bank Worldwide). The bank's focus on innovation and customer service positions it favorably to capitalize on the growing demand for financial services in Egypt.
Who Are CMGGF's Key Customers?
- Individual retail customers seeking banking services.
- Small and medium-sized enterprises (SMEs) requiring financing and banking solutions.
- Large corporations seeking corporate banking and investment services.
- Government entities requiring financial services.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
- ● Reported in EGP, converted to USD
- ● This is an unknown, not an operating company
MoonshotScore History
Recorded daily since 2026-08-23 · 20 snapshots
| 2026-08-23 | 44 |
| 2026-08-27 | 44 |
| 2026-08-31 | 44 |
| 2026-09-04 | 44 |
| 2026-09-08 | 44 |
| 2026-09-11 | 44 |
What changed?
The score has stayed at 44.
Over the same 19 days the stock moved +0.0%.
Company Profile
Commercial International Bank (Egypt) S.A.E operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Giza, EG. The company is led by CEO Amin Hisham Ezz Al-Arab. CMGGF has traded publicly since 2009.
Key Financial Metrics
Return on equity for Commercial International Bank (Egypt) S.A.E stands at 40.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 5.3%, showing how much profit it generates from its asset base. CMGGF trades at a trailing price-to-earnings ratio of 5.62, below the Financial Services sector average of ~17.50x. Its free cash flow yield is -21.5%, a gauge of the cash the business throws off relative to its market value. A current ratio of 9.94 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 19.6%, the inverse of the P/E and a quick read on earnings relative to price.
CMGGF Valuation & Market Position
With a $8.81B market cap, Commercial International Bank (Egypt) S.A.E sits in the mid-cap segment of the market.
Quarterly Financial Performance: Commercial International Bank (Egypt) S.A.E
Revenue for Commercial International Bank (Egypt) S.A.E came in at $1.19B during Q2 FY2026, a 4.0% contraction versus the preceding quarter. The company recorded net income of $409.8M, with diluted EPS of $0.12. Quarter-over-quarter revenue has been mixed, typical for a mid-cap company operating in Financial Services. Across the four most recent quarters, CMGGF averaged $0.10 in diluted EPS.
Financial Health
Commercial International Bank (Egypt) S.A.E's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.11 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Commercial International Bank (Egypt) S.A.E has beaten Wall Street's EPS estimate in 7 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 17.3% above estimates on average.
CMGGF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong market position in Egypt.
- Diversified range of banking products and services.
- Extensive branch network and digital presence.
- Experienced management team.
Bear Case
- Concentration of operations in Egypt.
- Exposure to regulatory and political risks in Egypt.
- Limited international presence.
- Dependence on interest income.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.19B | $410M | $0.12 |
| Q1 FY2026 | $1.24B | $378M | $0.11 |
| Q4 FY2025 | $1.08B | $384M | $0.03 |
| Q3 FY2025 | $1.20B | $504M | $0.15 |
Q2 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis · Converted to USD from EGP at today's rate
CMGGF Latest News
No recent news available for CMGGF.
CMGGF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for CMGGF.
Price Targets
Wall Street price target analysis for CMGGF.
CMGGF MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for CMGGF; grades run from A+ (80-100) to F (below 30).
Leadership: Amin Hisham Ezz Al-Arab
CEO
Amin Hisham Ezz Al-Arab is the CEO of Commercial International Bank (Egypt) S.A.E. He has extensive experience in the banking sector, with a career spanning several decades. His expertise includes corporate banking, investment banking, and retail banking. He has held various leadership positions in prominent financial institutions, contributing to their growth and success. His educational background includes advanced degrees in finance and management, providing him with a strong foundation for leading a major bank.
Track Record: Under Amin Hisham Ezz Al-Arab's leadership, Commercial International Bank (Egypt) S.A.E has achieved significant milestones, including expanding its digital banking services, increasing its market share, and improving its financial performance. He has implemented strategic initiatives to enhance customer experience, streamline operations, and drive innovation. His focus on risk management and compliance has ensured the bank's stability and sustainability. He manages 8313 employees.
CMGGF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Commercial International Bank (Egypt) S.A.E may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited regulatory oversight and may not provide detailed financial disclosures. Investing in OTC Other stocks carries higher risks compared to stocks listed on major exchanges like the NYSE or NASDAQ due to the potential for less transparency and liquidity. Investors should conduct thorough due diligence before considering an investment in CMGGF.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower trading volume can lead to price volatility.
- Potential for fraud or manipulation is higher on the OTC market.
- Regulatory oversight is less stringent compared to major exchanges.
- Liquidity risk can make it difficult to exit positions quickly.
- Verify the company's registration and legal standing.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Check for any regulatory actions or legal disputes.
- Monitor trading volume and price movements.
- Understand the risks associated with investing in OTC stocks.
- Established operating history in the Egyptian banking sector.
- Presence of a recognized CEO and management team.
- Availability of some financial information, even if limited.
- Operations as a regulated financial institution in Egypt.
- Positive news coverage or industry recognition.
Common Questions About CMGGF (Financial Services)
Is CMGGF a good stock?
Stock Expert AI does not rate CMGGF buy, sell or hold. Commercial International Bank (Egypt) S.A.E has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What does Commercial International Bank (Egypt) S.A.E do?
Commercial International Bank (Egypt) S.A.E is a full-service bank providing a wide array of financial products and services to retail, corporate, and investment clients.
What are the key factors to evaluate for CMGGF?
Evaluate CMGGF on fundamentals, analyst consensus, and risk factors. P/E: 5.62x vs the S&P 500's ~20-25x. With a P/E ratio of 5.62 and a profit margin of 35.6%, CMGGF demonstrates financial efficiency. Not financial advice.
How frequently does CMGGF data refresh on this page?
CMGGF's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 calculations are scheduled daily at 10:15 UTC; the score's own date shows its last successful run.
What has driven CMGGF's recent stock price performance?
Commercial International Bank (Egypt) S.A.E (CMGGF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in Egypt. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CMGGF overvalued or undervalued right now?
Commercial International Bank (Egypt) S.A.E (CMGGF) trades at 5.62x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of CMGGF?
Yes, most major brokerages offer fractional shares of Commercial International Bank (Egypt) S.A.E (CMGGF) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track CMGGF's earnings and financial reports?
Commercial International Bank (Egypt) S.A.E (CMGGF) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for CMGGF earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.