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 August 2, 2026 data cutoff, the latest independently verifiable reference close was QAR 3.25 on July 30, 2026, and a share-count check indicated market capitalization of about QAR 16.9 billion. Dukhan Bank reported QAR 812.8 million of first-half 2026 net profit, broadly stable year over year, as financing assets rose 5.2% and deposits rose 7.0% from December 2025. This DUKB AI stock analysis is an informational research tool, not investment advice or a certain price prediction.
Current price
QAR 3.25 reference close
Market cap
About QAR 16.9 billion
AI score
64 / 100
Rating
Profitable Qatar Islamic bank with record-low NPLs and solid capital, trading near book value with weak price momentum
Trend status
Weak price trend, at the low of the available 52-week range and below its 50-day and 200-day moving averages
Data cutoff (updated monthly)
August 4, 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 Executive Board Member and Managing Director and the 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 3.25 reference price, financial_rigor.py calculated roughly 12.5x trailing earnings, 1.08x book value, and a 4.92% indicated yield using QAR 0.16 of FY2025 cash dividends. | Medium-high |
| Technical trend | The QAR 3.25 reference close sat at the low of the available 52-week range, below the 50-day and 200-day 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 3.25 reference price and QAR 0.26 trailing EPS. financial_rigor.py produced values near QAR 4.60 in a bullish case, QAR 3.50 in a base case, and QAR 2.30 in a bearish case. These are auditable scenario outputs, not promises or analyst targets.
QAR 4.30 to QAR 4.90
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 8%, and the market values earnings near 14x.
QAR 3.30 to QAR 3.70
More likely if profit growth stays near 4%, deposit costs and asset quality remain controlled, the Qatar operating backdrop is steady, and the market applies an earnings multiple near 12x.
QAR 2.10 to QAR 2.50
More likely if credit charges rise, financing growth stalls, funding costs increase, property or corporate exposures weaken, capital is pressured, or the market resets the multiple toward 9x.
DUKB AI technical analysis
DUKB AI technical analysis uses a QAR 3.25 reference close from the July 30, 2026 delayed quote. This static page does not have independently verified RSI, momentum, or volume data at the August 2 cutoff, and moving averages are computed from delayed price history. 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 3.25 | Latest independently verifiable reference close from the July 30, 2026 delayed quote, used for the market-cap and valuation calculations. |
| Near support | QAR 3.25 | The current reference close sits at the low of the available 52-week range. It is not a guaranteed floor and should be checked against live QSE trading. |
| Near resistance | QAR 3.38 to QAR 3.80 | QAR 3.38 was the available 50-day moving average level and QAR 3.80 was the available 52-week high. Treat both as areas for live-chart confirmation. |
| Moving averages | Below both averages | The QAR 3.25 reference close sat below the available 50-day and 200-day moving average levels, a weak price configuration at the cutoff. |
| Momentum and volume | Not independently verified | RSI, momentum, and volume require a live data check. A reversal without turnover confirmation is less informative. |
| Volatility and invalidation | QAR 3.25 reference low | A sustained move below QAR 3.25 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 3.25 and a move through the QAR 3.38 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 3.25 on meaningful volume or if earnings, asset quality, capital, or liquidity evidence deteriorates.
If price revisits the QAR 3.25 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 3.25 reference price equated to about 12.5x trailing earnings and 1.08x 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 | August 2, 2026 |
| Reference price and market capitalization | QAR 3.25 reference close; QAR 16.90B calculated as QAR 3.25 times 5.20B shares, versus QAR 16.89B third-party market cap, a 0.06% difference. | StockAnalysis.com quote and statistics, Dukhan Bank Q1 2026 statements, and financial_rigor.py | August 2, 2026 |
| FY2025 financial position | QAR 123.782B total assets, QAR 90.013B financing assets, QAR 87.793B deposits, QAR 15.350B total equity, and 18.4% capital adequacy ratio. | Dukhan Bank FY2025 release and AGM disclosure | August 2, 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 | August 2, 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 | August 2, 2026 |
| Asset quality and services | The non-performing loan ratio declined to a record low of 3.9% as of June 2026 (December 2025: 4.2%), with Stage 3 coverage of 76.2%. The bank describes services across retail, private, corporate, government, real-estate, structured finance, investments, and asset management. | Dukhan Bank first-half 2026 release and company profile | August 2, 2026 |
| Technical reference range | QAR 3.25 to QAR 3.80 52-week reference range, with the 50-day and 200-day moving averages near QAR 3.38 and QAR 3.48. RSI and volume were not independently verified for this static page. | StockAnalysis.com quote and statistics snapshot | August 2, 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.
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