National Bank of Umm Al Qaiwain

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Financials

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	5.60B	5.98B	4.40B	3.50B	3.58B
Market Cap Growth	+21.7%	+35.9%	+25.7%	-2.2%	+4.7%
Last Close Price	2.80	2.78	1.89	1.39	1.34
Valuation Multiples
PE Ratio	9.64	10.30	8.70	6.96	9.82
PS Ratio	6.63	7.08	6.02	5.23	6.89
PB Ratio	0.85	0.91	0.74	0.62	0.67
P/TBV Ratio	0.85	0.91	0.74	0.62	0.67
P/FCF Ratio	—	—	—	—	7.72
P/OCF Ratio	—	—	—	—	7.62
Leverage & Capital
Debt / Equity Ratio	0.00	0.00	0.00	0.00	0.00
Debt / FCF Ratio	—	—	—	—	0.01
Net Debt / Equity Ratio	-0.47	-0.47	-0.89	-0.70	-0.75
Net Debt / FCF Ratio	0.59	0.59	5.81	5.70	-8.59
Returns & Yields
Return on Equity (ROE)	+9.3%	+9.3%	+8.7%	+9.2%	+7.0%
Return on Assets (ROA)	+2.8%	+2.8%	+3.1%	+3.5%	+2.7%
Earnings Yield	+10.4%	+9.7%	+11.5%	+14.4%	+10.2%
FCF Yield	-93.4%	-87.5%	-20.8%	-19.9%	+12.9%
Dividend Yield	+7.1%	+7.2%	+9.5%	+10.8%	+7.5%
Payout Ratio	+62.0%	+62.0%	+59.3%	+39.8%	+40.6%
Buyback Yield / Dilution	—	—	—	-3.9%	—
Total Shareholder Return	+7.1%	+7.2%	+9.5%	+6.9%	+7.5%

AED 2.80

Official close

+1.4%

Price as of March 27, 2026 · Market close

Prices may be delayed by up to 30 minutes.

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	5.60B	5.98B	4.40B	3.50B	3.58B
Market Cap Growth	+21.7%	+35.9%	+25.7%	-2.2%	+4.7%
Last Close Price	2.80	2.78	1.89	1.39	1.34
Valuation Multiples
PE Ratio	9.64	10.30	8.70	6.96	9.82
PS Ratio	6.63	7.08	6.02	5.23	6.89
PB Ratio	0.85	0.91	0.74	0.62	0.67
P/TBV Ratio	0.85	0.91	0.74	0.62	0.67
P/FCF Ratio	—	—	—	—	7.72
P/OCF Ratio	—	—	—	—	7.62
Leverage & Capital
Debt / Equity Ratio	0.00	0.00	0.00	0.00	0.00
Debt / FCF Ratio	—	—	—	—	0.01
Net Debt / Equity Ratio	-0.47	-0.47	-0.89	-0.70	-0.75
Net Debt / FCF Ratio	0.59	0.59	5.81	5.70	-8.59
Returns & Yields
Return on Equity (ROE)	+9.3%	+9.3%	+8.7%	+9.2%	+7.0%
Return on Assets (ROA)	+2.8%	+2.8%	+3.1%	+3.5%	+2.7%
Earnings Yield	+10.4%	+9.7%	+11.5%	+14.4%	+10.2%
FCF Yield	-93.4%	-87.5%	-20.8%	-19.9%	+12.9%
Dividend Yield	+7.1%	+7.2%	+9.5%	+10.8%	+7.5%
Payout Ratio	+62.0%	+62.0%	+59.3%	+39.8%	+40.6%
Buyback Yield / Dilution	—	—	—	-3.9%	—
Total Shareholder Return	+7.1%	+7.2%	+9.5%	+6.9%	+7.5%