PUBALIBANK Pubali Bank Limitd.
Bank
Tk 43.1 as of 2026-11-12 14:01:40
Rank 6 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 96
Profitability 91
Solvency 91
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 15.05% (efficient: above 13% for banks/insurers)
- Profitability Net profit growing 25.81% a year
- Valuation P/E 3.74 is low (banks/insurers benchmark ≤ 8)
- Valuation Trades near book value (P/NAV 0.75x)
- Valuation Price is 59% below the Graham fair value (Tk 104.2)
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
69% above the low, 2.7% 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 31.9%
- Institution 22.7%
- Foreign 0.1%
- Public 45.4%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 4.23 | 38.69 | 435 | 12.5 | 0 |
| 2022 | 5.49 | 41.96 | 565 | 12.5 | 0 |
| 2023 | 6.76 | 46.33 | 695 | 12.5 | 12.5 |
| 2024 | 6.74 | 46.08 | 780 | 12.5 | 12.5 |
| 2025 | 8.38 | 54.32 | 1,090 | 10 | 20 |
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 97%, 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.