Dukhan Bank Q.P.S.C. research snapshot
DUKB AI stock analysis covers Dukhan Bank Q.P.S.C. The bank identifies its Qatar Stock Exchange ticker as DUBK, while this page retains the requested DUKB route and keyword. At the July 11, 2026 data cutoff, the latest independently verifiable reference close was QAR 3.34 and a share-count check indicated market capitalization of about QAR 17.5 billion. Dukhan Bank reported QAR 812.8 million of first-half 2026 net profit, stable year over year, as financing assets and deposits grew. This DUKB AI stock analysis is an informational research tool, not investment advice or a certain price prediction.
Current price
QAR 3.34 reference close
Market cap
About QAR 17.5 billion
AI score
66 / 100
Rating
Profitable Qatar Islamic bank with steady balance-sheet growth and credit, funding, and valuation risk
Trend status
Range-bound near the lower end of the available 52-week reference range
Data cutoff (updated weekly)
July 11, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Dukhan Bank earns from Sharia-compliant retail, private, corporate, government, real-estate, structured-finance, investment, and asset-management services in Qatar. | High |
| Moat | Customer relationships, a banking license, local distribution, Qatar market knowledge, and a broad Islamic-finance offering are useful barriers, though banking returns still depend on funding, credit discipline, and regulation. | Medium |
| Management | The acting Group CEO and management team must balance financing growth, deposit gathering, digital execution, credit quality, capital, and liquidity rather than pursue volume alone. | Medium |
| Financial trend | First-half 2026 net profit was QAR 812.8 million, up 0.2% year over year, while financing assets rose 5.2% and deposits rose 7.0% from December 2025. | High |
| Valuation | At the QAR 3.34 reference price, financial_rigor.py calculated roughly 13.88x earnings, 1.14x book value, and a 4.79% indicated yield using QAR 0.16 of FY2025 cash dividends. | Medium-high |
| Technical trend | The QAR 3.34 reference close sat near the QAR 3.30 low of the available 52-week reference range. Moving averages, RSI, and volume were not independently verified at the cutoff. | Low-medium |
| Risk level | Credit losses, financing and deposit concentration, property-market exposure, funding costs, oil and gas linked macro conditions, regulation, and thin market-data coverage are material risks. | Medium-high |
| AI confidence | Historical financial facts have high confidence from company releases and cross-checks. Price scenarios and technical signals have lower confidence because they depend on changing market conditions. | High data confidence |
| Investment certainty | Medium-low certainty. Earnings, capital, and balance-sheet growth are constructive, but a bank investment needs continuing evidence on asset quality, funding, capital, and valuation. | Medium-low |
DUKB AI stock forecast
The DUKB AI stock forecast uses a three-year scenario model around the QAR 3.34 reference price and QAR 0.2407 post-Pillar Two FY2025 EPS. financial_rigor.py produced values near QAR 4.80 in a bullish case, QAR 3.60 in a base case, and QAR 2.10 in a bearish case. These are auditable scenario outputs, not promises or analyst targets.
QAR 4.60 to QAR 5.00
More likely if financing and deposits continue to grow, credit costs remain contained, net banking income expands, capital stays comfortably above requirements, EPS compounds near 10%, and the market values earnings near 15x.
QAR 3.40 to QAR 3.80
More likely if profit growth stays near 5%, deposit costs and asset quality remain controlled, the Qatar operating backdrop is steady, and the market applies an earnings multiple near 13x.
QAR 2.00 to QAR 2.30
More likely if credit charges rise, financing growth slows, funding costs increase, property or corporate exposures weaken, capital is pressured, or the market resets the multiple toward 10x.
DUKB AI technical analysis
DUKB AI technical analysis uses a QAR 3.34 reference close from the latest available July market snapshot. This static page does not have independently verified 50-day or 200-day moving averages, RSI, or volume data at the July 11 cutoff. Confirm live QSE quote, turnover, moving averages, momentum, volatility, and order-book liquidity before using any technical setup.
| Level | Value | Why it matters |
|---|---|---|
| Reference price | QAR 3.34 | Latest independently verifiable reference close used for the market-cap and valuation calculations. |
| Near support | QAR 3.30 | Available 52-week low reference. It is not a guaranteed floor and should be checked against live QSE trading. |
| Near resistance | QAR 3.47 to QAR 3.80 | QAR 3.47 was the April 2026 monthly reference price and QAR 3.80 was the available 52-week high. Treat both as areas for live-chart confirmation. |
| Moving averages | Not independently verified | No reliable public 50-day or 200-day snapshot was available at the cutoff. Do not infer a trend from this static page. |
| Momentum and volume | Not independently verified | RSI, momentum, and volume require a live data check. A breakout without turnover confirmation is less informative. |
| Volatility and invalidation | QAR 3.30 reference low | A sustained move below QAR 3.30 alongside weaker profit, rising impaired financing, lower capital, or funding stress would weaken a range or trend thesis. |
DUKB AI trading strategy
This DUKB AI trading strategy is an educational framework, not personalized investment advice. Use current QSE pricing, liquidity, position-size limits, and your own financial circumstances before making a decision.
Wait for a live-price hold above QAR 3.30 and a move through the QAR 3.47 area with improving turnover. Pair the chart with new results showing financing growth, deposit growth, stable credit quality, and adequate capital.
Do not treat a single close as confirmation. Reassess if price breaks QAR 3.30 on meaningful volume or if earnings, asset quality, capital, or liquidity evidence deteriorates.
If price revisits the QAR 3.30 reference area, compare the drawdown with changes in financing assets, deposits, impaired financing, provisioning, capital adequacy, and Qatar credit conditions before treating it as a value opportunity.
A lower price is not a buy signal on its own. Avoid averaging down when the move reflects funding stress, rising impairments, weaker capital, or a broader property and corporate-credit problem.
Track net banking income, net profit, financing assets, deposits, investment securities, non-performing financing, coverage, capital adequacy, liquidity, dividend decisions, management changes, and material Qatar regulatory disclosures.
Reduce confidence if profit growth is driven by a temporary factor, credit costs rise, financing concentration increases, deposit growth reverses, capital declines toward requirements, or market liquidity prevents orderly exits.
Investment research summary
Dukhan Bank earns fees and financing income by providing Sharia-compliant banking and investment services to retail, private, corporate, government, and real-estate customers in Qatar.
A regulated banking franchise, local customer relationships, distribution, Islamic-finance capabilities, and trust can support durable deposits and financing relationships. These advantages are meaningful but do not remove credit-cycle or funding risk.
The thesis fails if stable reported earnings conceal weakening credit quality, concentrated exposures, rising funding costs, property stress, liquidity pressure, regulatory changes, or an earnings multiple that contracts faster than dividends and profit grow.
Management quality is shown through underwriting, provisioning, funding mix, capital allocation, liquidity, digital execution, disclosure, and willingness to protect long-term balance-sheet resilience over short-term asset growth.
Qatar banking demand is linked to domestic economic activity, infrastructure, trade, real estate, corporate investment, government-related activity, and regulatory standards. Islamic banking can deepen customer reach, while competition and macro cycles remain important.
The QAR 3.34 reference price equated to about 13.88x post-Pillar Two FY2025 earnings and 1.14x book value in the verified calculation. Margin of safety depends on future credit quality, funding cost, capital, dividend capacity, and the actual price and liquidity available.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| DUKB requested route and official exchange identifier | This page uses requested symbol DUKB. Dukhan Bank identifies its QSE ticker as DUBK. | Dukhan Bank investor relations and financial releases | July 11, 2026 |
| Reference price and market capitalization | QAR 3.34 reference close; QAR 17.48B calculated as QAR 3.34 times 5.2341B shares, versus QAR 17.35B third-party market cap, a 0.76% difference. | Digrin price history, Dukhan Bank Q1 2026 statements, StockAnalysis, and financial_rigor.py | July 11, 2026 |
| FY2025 financial position | QAR 123.782B total assets, QAR 90.013B financing assets, QAR 87.793B deposits, QAR 15.350B total equity, and 18.2% capital adequacy ratio. | Dukhan Bank FY2025 release and AGM disclosure | July 11, 2026 |
| FY2025 profitability and dividend | QAR 1.41B reported net profit before the stated Pillar Two tax effect; AGM disclosure cited QAR 1.26B after the effect and QAR 0.227 EPS. Total FY2025 cash dividend was QAR 0.16 per share. | Dukhan Bank FY2025 release and April 2026 AGM release | July 11, 2026 |
| First-half 2026 results | QAR 812.8M net profit, QAR 1.458B net banking income, QAR 129.185B total assets, QAR 94.708B financing assets, QAR 93.957B deposits, QAR 15.581B equity, and 18.6% capital adequacy ratio. | Dukhan Bank first-half 2026 results release | July 11, 2026 |
| Asset quality and services | FY2025 non-performing financing ratio was 4.2%, down from 4.6% in 2024. The bank describes services across retail, private, corporate, government, real-estate, structured finance, investments, and asset management. | Dukhan Bank FY2025 release and company profile | July 11, 2026 |
| Technical reference range | QAR 3.30 to QAR 3.80 52-week reference range. Moving averages, RSI, and volume were not independently verified for this static page. | Digrin DUBK.QA price history | July 11, 2026 |
This DUKB AI stock analysis is an informational research tool only. It is not investment, financial-planning, tax, or legal advice, and it is not a recommendation to buy, sell, or hold Dukhan Bank securities. Forecast scenarios use available data and assumptions that can be wrong. Confirm the official DUBK exchange ticker, current prices, financial disclosures, and your own suitability before acting.
Design trading strategies visually with 10+ indicators. Set entry/exit conditions and risk management, then generate Pine Script code with no coding required.
Filter and discover stocks based on market cap, dividend yield, P/E ratio, sector, and more. Screen thousands of stocks with real-time data.
Smart AI-driven stock selection with fundamental screening, analyst estimates, and key metrics. Filter by P/E, market cap, dividends, and more.
