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The Screen · Financials · Banks - Regional
Al Jazira Bank
1120.SR · TADAWUL · SAR · Market cap $401.4B · 24,712 employees
Al Rajhi Banking and Investment Corporation, together with its subsidiaries, provides banking and investment services in the Kingdom of Saudi Arabia and internationally.
FAIL · Does not pass the screen
66.05 SAR
Screen close, 2026-09-21 · not a live quote Last reviewed 14 days ago
Screened 2026-09-21 · the tape above runs as of 11:17 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 66.05 against the desk's fair-value range, base estimate 78.15, over the last year.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price66.05 SAR
Fair value78.15
Ethical score30.0/100
RatingAVOID
Our investment reviews on this name
2026-08-21Read Accumulation66.90-1.3% to today
2026-07-15Read Markdown66.90-1.3% to today ✓
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Al Jazira Bank holds its Accumulation at $66.05. The statistical read favours the buyers, held for 21 days.
As held on the ledger · 2026-09-21
Phase
Accumulation
Quantitative state
The statistical read favours the buyers, held for 21 days
Price at the screen
$66.05
Valuation
16.43 trailing · 12.65 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.32
The Workings
Five Screens, Shown in Full
Does not pass. Business activity exclusion: Islamic Banks
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Business activity exclusion: Islamic Banks
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Al Jazira Bank does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-04. It updates when the underlying figures move, and past reads are kept below.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads AVOID: it trades at roughly a 18% discount to our $78.15 fair value, 14.10% revenue growth.
Fair value range in SAR, drawn from the 2026-09-21 screen. The gold marker is the market price at the same screen. A 18.3% margin of safety to the base estimate.
Third-party analyst targets: 17 covering, consensus Buy. The average target sits +18% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-21 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Why it gives us pause
At 12.7x forward earnings, the price already runs ahead of the business. Our fair value sits at $78.15, below where it trades today.
The risks · The things to watch: its business and earnings are exposed to Saudi Arabia and to currency swings.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
1120.SR trades on TADAWUL (the company is based in Saudi Arabia). As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-02Accumulation$66.05-1.3%Entry 12
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 1.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (16 analysts) rates it buy, with a mean price target of $75.
2026-09-21Accumulation$66.90+0.0%Entry 11
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (16 analysts) rates it buy, with a mean price target of $75.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (18 analysts) rates it buy, with a mean price target of $80.
2026-07-21Markdown$66.90+0.0%Entry 9
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (18 analysts) rates it buy, with a mean price target of $80. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-20Markdown$66.90+0.0%Entry 8
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (18 analysts) rates it buy, with a mean price target of $80. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-19Markdown$66.90+0.0%Entry 7
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (18 analysts) rates it buy, with a mean price target of $80. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-18Markdown$66.90+0.0%Entry 6
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (18 analysts) rates it buy, with a mean price target of $80. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-17Markdown$66.90+0.0%Entry 5
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (18 analysts) rates it buy, with a mean price target of $80. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-16Markdown$66.90+0.0%Entry 4
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (18 analysts) rates it buy, with a mean price target of $80. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-15Markdown$66.90+0.0%Entry 3
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
What Holding Actually Paid · Price Plus Dividends
If $1,000 had been placed · historical, not a promise
Period
Price then
Price return
Divs per share
$1,000 became
Total return
1 month
$67.05
-0.4%
·
$996
-0.4%
2 months
$70.76
-5.6%
$1.17
$961
-3.9%
3 months
$66.36
+0.7%
$1.17
$1,024
+2.4%
6 months
$64.89
+3.0%
$1.17
$1,047
+4.7%
1 year
$60.69
+10.1%
$1.67
$1,128
+12.8%
2 years
$51.08
+30.8%
$3.47
$1,376
+37.6%
3 years
$45.10
+48.1%
$5.01
$1,592
+59.2%
5 years
$39.32
+69.9%
$6.42
$1,862
+86.2%
Historical returns from market close data. Past performance does not guarantee future results.
The Ledger's Promise
This entry now belongs to the ledger. Whatever 1120.SR does next, these words stay.
Al Jazira Bank · 1120.SR · Accumulation · $66.05
Recorded 2026-09-21 · before the outcome · scored mechanically