Al Bilad Bank reports SAR 740 million profit: what it means for Al Bilad Bank stock

Published on 10/20/2026 at 09:26 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Third-quarter profit fell 3.4 percent to SAR 740 million on October 20, 2026. For Al Bilad Bank stock, that means a 1.6 percent nine-month profit rise.

Quarterly earnings reshape expectations

Third-quarter net profit fell 3.4 percent on October 20, 2026.
Nine-month net profit rose 1.6 percent to SAR 2.26 billion.
Al Bilad Bank stock was last at SAR 21.51 on Tadawul on October 20, 2026.

Al Bilad Bank, SA000A0D9HK3, Illustration mit AI erstellt.

Al Bilad Bank (ISIN SA000A0D9HK3) reported third-quarter net profit of SAR 740 million on October 20, 2026, down 3.4 percent from SAR 766 million a year earlier, according to Maaal. The result gives investors a mixed earnings signal because the nine-month total still increased.

Quarterly profit sets the new baseline

The preliminary consolidated results covered the nine months ended September 30, 2026. Net profit for that period reached SAR 2.26 billion, up 1.6 percent from SAR 2.23 billion, while earnings per share declined to SAR 1.43 from SAR 1.49, Maaal reported.

Quarterly income quality also shifted. Net special commission income from investments rose 26 percent to SAR 397 million in the third quarter from SAR 314 million a year earlier. That increase partly offset the lower net profit attributable to shareholders.

What does the forecast imply?

Before the result, Riyad Capital projected Al Bilad Bank would earn SAR 762 million in the third quarter, a 1 percent year-over-year decline, according to Argaam. The reported SAR 740 million therefore came in SAR 22 million below that estimate.

SNB Capital had projected SAR 792 million and 3 percent year-over-year growth for the same quarter, as reported by Argaam. The gap between those forecasts and the actual result makes net commission income and credit costs important indicators for the next reporting period.

Bank profile and market setting

Bank Albilad operates across retail, corporate, treasury, investment banking and brokerage services in Saudi Arabia. Its shares trade on Tadawul under ticker 1140, and the bank's business profile is identified by Global Banking and Finance.

The next investor reference point is the bank's reported nine-month period ended September 30, 2026. Its latest disclosed quarter leaves earnings below both cited forecasts, while the nine-month result remains positive year over year.

Earnings remain positive year to date

Bank Albilad was last at SAR 21.51 on Tadawul on October 20, 2026 at 10:10 a.m. AST. The finance profile also places its market capitalization at SAR 32.3 billion and its 52-week range at SAR 21.49 to SAR 30.16, both as of October 20, 2026.

For investors, the central question is whether stronger investment income can sustain annual growth after the third-quarter profit decline. The next update will show whether the nine-month increase is broadening or relying on a narrower income base.