NBL National Bank Limited.
Bank
Tk 3.5 as of 2026-11-12 14:00:00
Rank 378 of all scored
Data completeness 60%
Data completeness 60%
Override: Avoid. Negative net asset value.
Score breakdown
Consistency 10
Profitability 36
Solvency 17
Valuation 0
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Concerns
- Consistency EPS rose in only 1 of 4 years (erratic or cyclical)
- Consistency Net loss in 4 of the last 5 years
- Consistency Dividend paid in only 0 of 5 years
- Profitability Average ROE only 0.49% (below 9%: capital not working hard)
- Profitability Last year was a net LOSS of Tk 2431.82 cr
- 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
- Category Z (poor/defaulting: gambling favourite, avoid for long-term)
- Thin trading (last day ~Tk 0.15 cr)
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
59.1% above the low, 47% 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 17.4%
- Institution 38.5%
- Foreign 0.5%
- Public 43.6%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 0.12 | 16.13 | 38 | — | — |
| 2022 | -10.13 | 13 | -3,261 | — | — |
| 2023 | -4.65 | 7.3 | -1,497 | — | — |
| 2024 | -5.3 | 1.15 | -1,707 | — | — |
| 2025 | -7.55 | -7.37 | -2,432 | — | — |
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 865.8%, 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.