CITYBANK The City Bank Limited.
Bank
Tk 28.8 as of 2026-11-12 14:05:34
Rank 1 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 95
Profitability 97
Solvency 90
Valuation 99
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 3 of 4 years
- Consistency Paid a dividend every year (5/5)
- Profitability Average ROE 19.27% (efficient: above 13% for banks/insurers)
- Profitability Net profit growing 24.6% a year
- Valuation P/E 3.23 is low (banks/insurers benchmark ≤ 8)
- Valuation Trades near book value (P/NAV 0.69x)
- Valuation Price is 68% below the Graham fair value (Tk 90.2)
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Current P/E is well above trailing P/E: the latest quarter's EPS fell
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
27.4% above the low, 15% 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 30.2%
- Institution 21%
- Foreign 7.1%
- Public 41.8%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 5.15 | 30.68 | 549 | 12.5 | 12.5 |
| 2022 | 3.98 | 28.21 | 478 | 10 | 2 |
| 2023 | 5.21 | 31.42 | 638 | 15 | 10 |
| 2024 | 7.53 | 34.39 | 1,014 | 12.5 | 12.5 |
| 2025 | 8.71 | 40.67 | 1,324 | 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 22%, 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.