JAMUNABANK Jamuna Bank Ltd.
Bank
Tk 24.1 as of 2026-11-12 14:08:26
Rank 10 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 94
Profitability 91
Solvency 69
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 EPS grew in 3 of 4 years
- Consistency Paid a dividend every year (5/5)
- Profitability Average ROE 13.7% (efficient: above 13% for banks/insurers)
- Profitability Net profit growing 21.98% a year
- Valuation P/E 3.53 is low (banks/insurers benchmark ≤ 8)
- Valuation Trades near book value (P/NAV 0.8x)
- Valuation Price is 62% below the Graham fair value (Tk 63.2)
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
No flags raised.
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
21.1% above the low, 11.1% 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 37%
- Institution 3.6%
- Foreign 0.1%
- Public 59.3%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 3.35 | 28.41 | 251 | 17.5 | 0 |
| 2022 | 2.12 | 26.26 | 159 | 17.5 | 8.5 |
| 2023 | 2.91 | 24.67 | 237 | 17.5 | 8.5 |
| 2024 | 3.17 | 24.61 | 279 | 17.5 | 6.5 |
| 2025 | 5.92 | 27.43 | 556 | 29 | 0 |
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 67.7%, 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.