EBL Eastern Bank Limited.
Bank
Tk 23.4 as of 2026-11-12 14:01:04
Rank 11 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 83
Profitability 84
Solvency 92
Valuation 98
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Consistency Paid a dividend every year (5/5)
- Profitability Average ROE 15.25% (efficient: above 13% for banks/insurers)
- Profitability Net profit growing 14.81% a year
- Valuation P/E 4.13 is low (banks/insurers benchmark ≤ 8)
- Valuation Trades near book value (P/NAV 0.72x)
- Valuation Price is 62% below the Graham fair value (Tk 62.0)
- Ownership Institutions (42.74%) hold more than the public (26.72%)
Notes
- Consistency EPS rose in 2 of 4 years (mixed)
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Within 7.34% 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
7.3% above the low, 19% 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 30.4%
- Institution 42.7%
- Foreign 0.1%
- Public 26.7%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 5.03 | 33.17 | 480 | 12.5 | 12.5 |
| 2022 | 4.77 | 33.33 | 512 | 12.5 | 12.5 |
| 2023 | 5.07 | 33.57 | 612 | 12.5 | 12.5 |
| 2024 | 4.86 | 31.63 | 660 | 17.5 | 17.5 |
| 2025 | 5.23 | 31.38 | 834 | 25 | 3 |
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 277.7%, 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.