Saudi Awwal Bank, (1060) Fair Value & Analysis
Financial Services · SA · Market cap 67.8B SAR
Fair value as of: Aug 13, 2026
From 6 valuation models · updated yesterday
Fair value updated Aug 13, 2026, revised from 53.47 SAR to 49.94 SAR (−6.6%) since Aug 4, 2026. Share price +5.3% over the past month.
A solid business, screening 51% undervalued on our models.
What matters now
- The price is below even our cautious bear case (37.46 SAR). The market is more pessimistic than our downside scenario.
- Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 13.84 SAR – 36.81 SAR · fair‑value band 37.46 SAR – 62.43 SAR · the 33.06 SAR price screens below the 49.94 SAR fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Saudi Awwal Bank, (1060) currently trades at 33.06 SAR, while our model-based Fair Value estimate is 49.94 SAR, implying the stock looks roughly 51.1% undervalued today. The Quality Score stands at 50/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Saudi Awwal Bank, generated revenue of 14.1B SAR at a net margin of 60.9%. Revenue grew 4.4% year over year. It earns a return on equity of 11.1%. Net debt stands at 4.3B SAR. Fundamentals as of Aug 13, 2026
Our scenario range runs from 37.46 SAR (bear case) to 62.43 SAR (bull case); at 33.06 SAR, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 8% below its 52-week high and 17% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 47% fair-value upside, at 51%, 1060 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples (53.47 SAR) versus Asset-Based (25.87 SAR). Highest evidence: Residual Income (76).
Notify me when 1060 reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 42 · Market factors (momentum, volatility) 61
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Saudi Awwal 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.
of which total revenue +12.0 pp · buybacks/dilution −3.9 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
Watch 1060: get an alert when its fair value changes →
Peer Group
Banks - Regional · 1086 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,350 IDR | 4,637 IDR | -27% |
| KB Financial Group 105560 | 168,100 KRW | 220,258 KRW | +31% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 3,110 IDR | 3,792 IDR | +22% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,130 IDR | 6,067 IDR | +47% |
| Banco Bradesco S.A BBD | 5,120 ARS | 8,400 ARS | +64% |
| Shinhan Financial Group 055550 | 103,800 KRW | 146,032 KRW | +41% |
| Hana Financial Group 086790 | 127,900 KRW | 210,506 KRW | +65% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,500 VND | 45,959 VND | -23% |
| Woori Financial Group 316140 | 33,000 KRW | 60,758 KRW | +84% |
Compare Saudi Awwal Bank, with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Saudi Awwal Bank, (1060) overvalued or undervalued?
What is the fair value of 1060?
What is the quality score of 1060?
What is the revenue of Saudi Awwal Bank, (1060)?
What is the net profit margin of 1060?
Does Saudi Awwal Bank, pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Saudi Awwal Bank, and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.