FIRSTSBANK First Security Bank Limited
Bank
Tk 1.9 as of 2025-11-05 14:20:49
Rank 61 of all scored
Data completeness 90%
Data completeness 90%
Override: Avoid. Negative EPS.
Score breakdown
Consistency 91
Profitability 77
Solvency 89
Valuation 35
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 14.93% (efficient: above 13% for banks/insurers)
- Profitability Net profit growing 12.22% a year
- Valuation Trades near book value (P/NAV 0.79x)
Concerns
- Valuation No P/E: the company is loss-making
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Mid cap (Tk 200-1,000 cr)
- Low sponsor/director holding (5.9%): weak commitment
- Within 5.56% 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
5.6% above the low, 5% 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 5.9%
- Institution 28.9%
- Foreign 0.2%
- Public 65.1%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2019 | 2.4 | 17.87 | 207 | 0 | 10 |
| 2020 | 2.93 | 18.91 | 278 | 5 | 5 |
| 2021 | 3.36 | 20.42 | 334 | 5 | 5 |
| 2022 | 2.81 | 21.3 | 294 | 0 | 10 |
| 2023 | 2.85 | 21.74 | 328 | 5 | 5 |
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 5,882.8%, 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.