MTB Mutual Trust Bank Ltd
Bank
Tk 12.4 as of 2026-11-12 14:09:46
Rank 32 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 77
Profitability 60
Solvency 82
Valuation 100
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)
- Valuation P/E 4.11 is low (banks/insurers benchmark ≤ 8)
- Valuation Trades near book value (P/NAV 0.49x)
- Valuation Price is 71% below the Graham fair value (Tk 42.3)
Notes
- Consistency EPS rose in 2 of 4 years (mixed)
- Profitability Average ROE 11.86% (moderate)
- 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
13.8% above the low, 15.7% 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 33.2%
- Institution 31.6%
- Public 35.2%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 3.66 | 24.19 | 297 | 0 | 10 |
| 2022 | 2.65 | 23.87 | 237 | 0 | 10 |
| 2023 | 2.91 | 24.52 | 286 | 10 | 0 |
| 2024 | 3.22 | 25.94 | 317 | 0 | 10 |
| 2025 | 3.14 | 28.11 | 339 | 0 | 12 |
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 291.2%, 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.