BRACBANK Brac Bank Ltd.
Bank
Tk 65.8 as of 2026-11-12 14:08:08
Rank 8 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 100
Profitability 92
Solvency 77
Valuation 88
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Consistency EPS grew in 4 of 4 years
- Consistency Paid a dividend every year (5/5)
- Profitability Average ROE 14.16% (efficient: above 13% for banks/insurers)
- Profitability Net profit growing 35.02% a year
- Valuation P/E 6.13 is low (banks/insurers benchmark ≤ 8)
- Valuation Trades near book value (P/NAV 1.17x)
- Valuation Price is 39% below the Graham fair value (Tk 107.6)
- Ownership Institutions (12.82%) hold more than the public (8.57%)
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Within 9.67% of its 52-week low: check WHY before treating it as cheap
Valuation
P/E
P/E audited
P/E current
P/B
NAV per share
EPS (last audited year)
Graham fair value
Margin of safety
52-week range
9.7% above the low, 26.6% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
ROE
ROE avg
ROE min
Profit CAGR
Profit YoY
Net profit
EPS up
Loss years (last ~5)
Dividends and safety
Div years
Dividend yield
Payout
Cash div
D/E
Their loans are deposits; NPL data is not available
Loans/MCap
Size, liquidity and ownership
MCap
Free float
Daily turnover
Sponsor %
Inst. %
Public %
Foreign %
Shareholding
- Sponsor/director 46.2%
- Institution 12.8%
- Foreign 32.4%
- Public 8.6%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 3.93 | 41.08 | 546 | 7.5 | 7.5 |
| 2022 | 4.02 | 40.86 | 601 | 7.5 | 7.5 |
| 2023 | 4.73 | 41.36 | 761 | 10 | 10 |
| 2024 | 6.95 | 44.11 | 1,230 | 12.5 | 12.5 |
| 2025 | 9.12 | 51.56 | 1,816 | 15 | 15 |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 45.9%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.