Chapter of Results and Discussion briefly summarized each chapter’s key aspects and findings of the entire research and provided the main conclusion of the thesis with the novelty of this thesis. Then, it shows the study results and the evaluations of these results. It is an exhaustive ‎analysis of the effect of the CAMELS variables on the bank's financial performance and a ‎comparison between the results of the three countries and the ranks of the banks of each country. ‎ Depending on the research findings here, it will answer the research questions, prove the hypotheses, provide the main ‎conclusion and the summary of the thesis, the recommendations, and the study's limitations. The appendix, a list of figures, tables, publications, and references related to ‎the study are available at the end of this thesis. This study analyzed local commercial banks in Qatar, Kuwait, and Jordan, where commercial banks generally have the same policies, strategies, and converging tasks. However, other banks such as Islamic or specialized investments and foreign banks have been excluded due to differences in their financial data in many places because they have different goals and objectives, which leads to an apparent discrepancy in results from the rest of the selected banks' sample. There could be other factors besides the financial factor discussed in this research affecting the overall positions of the bank. However, this research does not consider all factors due to the limited time. The data in the study will be based on secondary data collected only from the bank's annual reports and the Stock Exchange websites, which normally published financial statements do not give a complete picture of the commercial banks’ performance. The study is based on ratios ascertained from the financial records. It was impractical to get an individual meeting or contact the top administration representatives of all banks under study. There was no cooperation from the banks in which some emails and questions were sent to the banks, but there was no answer. Finally, this study was constrained by the lack of relevant research and literature about the Kuwait, Qatar, and Jordan bank sectors. However, these limitations did not impair the study's academic content in my judgment.