Banking · EQUITY
COOP
Co-operative Bank
Ksh 36.10
▼1.63% today
close 06 Nov 2026 · source mystocks
68 owned trading days · 07 Jul 2026 → 06 Nov 2026 · KES 31.95–38.85
Why grade C: newest statement 22 months old · only 2 FYs of history (need 3)
Automated analysis for information & education. Not investment advice.
The five pillars
composite —/100Data C
scored 06 Nov 2026 · weights profile Banking · formulas on /methodology
Ring color: accent = confidence A/B, amber = C/D — a fixed-radius stroke, never a percentage fill.
Value67
- P/E 9.084 ·w25
- P/B 2.1638 ·w20
- earnings yield 11.1% vs 364d T-bill 9.03% (spread +2.1pp)71 ·w20
- needs positive EPS and own P/E history— ·w15
- needs a dividend and own yield history— ·w10
- revenue/earnings growth +12.6% YoY75 ·w10
Financial health100
- F-Score 9/9 signals passed100 ·w70
- not meaningful for financial-sector counters (interest is their revenue)— ·w30
Quality80
- ROE 24.0%96 ·w25
- net margin 29.7% (financial bands)99 ·w20
- net margin +1.1pp over window(short window)61 ·w15
- ROA 3.5%34 ·w15
- debt/equity 5.84× (financial-sector leverage bands)77 ·w15
- revenue never declined over window(short window)100 ·w10
Dividend reliability90
- paid a dividend in 2 of 2 observed FYs (design window 5)(short window)100 ·w30
- yield 4.2% at current price52 ·w20
- earnings cover the dividend 2.67×100 ·w20
- never cut over 2 observed FYs(short window)100 ·w15
- payout ratio 37% of earnings100 ·w15
MomentumBuilding history — since 2026-07-07
- Building history — since 2026-07-07— ·w100
Liquidity65
- median daily turnover ≈ KES 17,550,764 over 68 observed days(short window)81 ·w40
- no trades on 0% of observed days(short window)100 ·w30
- daily turnover 0.8bp of market cap (shares est. from NI÷EPS)(short window)8 ·w30
Statements we hold
| FY | Revenue | Net income | EPS | DPS |
|---|---|---|---|---|
| 2024 | KES 79.0B | KES 23.5B | 4.01 | 1.50 |
| 2023 | KES 71.5B | KES 20.5B | 3.49 | 1.50 |
source v3-seed (vintage 2026-02) · refreshed per filing as filings are processed
Analyst brief
The composite verdict is withheld because the newest financial statement is 22 months old and only two fiscal years of history exist—insufficient to anchor a reliable overall read. Health ranks highest at perfect score, driven by an F-Score of 9/9, though the financial-sector accounting context limits how much that tells about business quality. Quality scores near the top, led by a return on equity of 24.0% and net margin of 29.7%, though return on assets at 3.5% trails. Value scores in the mid-range: the price-to-earnings ratio of 8.9 reflects an earnings yield of 11.2%, which exceeds the 364-day T-bill rate of 9.03% by 2.2 percentage points, yet the price-to-book ratio of 2.14 tempers that signal. Dividend pillar scores highest, reflecting consistent payout in both observed years with cover of 2.67 times earnings and no cuts.
The share trades at KES 35.75 as of 2 November 2026. Momentum carries no score—the tracking history began only in July 2026, too recent for pattern. Liquidity remains constrained: median daily turnover around KES 17.55 million represents just 0.8 basis points of estimated market capitalisation, creating a friction cost for larger traders. No risk flags appear in the data. The confidence grade is C, citing both the age of filed accounts and the brevity of the history window. A fresh annual statement would anchor the picture materially.
Automated analysis for information & education. Not investment advice.
generated 02 Nov 2026, 17:48 EAT · every figure machine-checked against the engine's computed inputs · identical for all readers