The Saudi British Bank (1060) fair value: what the stock is really worth
As of Nov 12, 2026: fair value (intrinsic value) of The Saudi British Bank stock SAR 37.61, price SAR 33.20, upside +13.3%, quality 48 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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The Saudi British Bank
1060 · SRRising price, but only slightly cheap (12% below fair value) and weak company: meets 1 of 3 rules.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 11, 2026.
How to read this chart
60‑month range 15.76 SAR – 36.84 SAR · fair‑value band 33.80 SAR – 47.52 SAR · the 33.20 SAR price screens below the 37.61 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 11, 2026.
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Company profile
Saudi Awwal Bank, together with its subsidiaries, provides banking and financial services in the Kingdom of Saudi Arabia. The company operates through Wealth & Personal Banking, Corporate and Institutional Banking, Treasury, Capital Markets, and Others segments.
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It offers personal and business savings, current, commodity investment, wafer accounts, and green deposit account; personal and home financing; credit, debit, business, and prepaid cards; wealth management solutions; investment solutions; payments and transfer services; e-statement, treasury, and private banking services; safe deposit lockers; and online, mobile, and phone banking services.
The company also provides liquidity and cash management services, including liquidity, collection, and payment management services, merchant payment acceptance solutions, and point of sale services; and trade and receivables finance services, which include export and import services, guarantees, cash backed letter of credit, and structured trade solutions; and foreign exchange, derivative solutions, deposits and loans, bonds, fixed income, structured products, and Islamic solutions, as well as economic research and market analysis.
In addition, it engages in the real estate activities. The company was formerly known as Saudi British Bank and changed its name to Saudi Awwal Bank in June 2023. Saudi Awwal Bank was founded in 1978 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
The Saudi British Bank (1060) currently trades at 33.20 SAR, while our model-based Fair Value estimate is 37.61 SAR, implying the stock looks roughly 12% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 49.94 SAR per share, and 3 of the 6 models we run sit above the 33.20 SAR price.
Bear case: the Asset-Based group reads lowest at 22.21 SAR, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 33.80 SAR (bear) to 47.52 SAR (bull), the price of 33.20 SAR sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
The Saudi British Bank reported revenue of 28.4B SAR in FY2025 versus 7.7B SAR in FY2021, a compound +38.7%/yr. Reported net income was 8.5B SAR in FY2025, compounding +27.4%/yr from FY2021.
Key figures
Market cap 68.2B SAR (≈ $18.2B) Large · P/E ratio 8.7 · P/S ratio 4.82 · EPS (TTM) 3.82 SAR · Dividend yield 3.0% · Net margin 61.0% · Return on equity 11.1% · Return on assets (EBIT) 2.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 16% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 13%, 1060 screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Compare The Saudi British Bank with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 999 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Revenue growth by industry
- PEG ratio by industry
- Stock screener with 62 metrics
- Valuation of the Saudi Arabia market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.69 | ¥7.59 | +33% | vs 1060 |
| China Merchants Bank Co 600036 | ¥42.93 | ¥52.73 | +23% | vs 1060 |
| BNP Paribas SA BNP | €95.57 | €107.43 | +12% | vs 1060 |
| Intesa Sanpaolo S.p.A ISP | €6.26 | €4.91 | −22% | vs 1060 |
| UniCredit S.p.A UCG | €83.68 | €58.08 | −31% | vs 1060 |
| Oversea-Chinese Banking Corporation O39 | 28.53 SGD | 18.20 SGD | −36% | vs 1060 |
| DBS Group D05 | 69.90 SGD | 40.39 SGD | −42% | vs 1060 |
| Mizuho Financial Group MFG | $10.34 | $5.84 | −44% | vs 1060 |
| HDFC Bank Limited HDFCBANK | ₹804.00 | ₹406.39 | −49% | vs 1060 |
| ICICI Bank Limited ICICIBANK | ₹1,584 | ₹615.63 | −61% | vs 1060 |
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Key figures of The Saudi British Bank
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