SBACBANK South Bangla Agriculture & Commerce Bank Limited
Bank
Tk 6.2 as of 2026-11-12 14:08:18
Rank 323 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 40
Profitability 0
Solvency 40
Valuation 25
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Valuation Trades near book value (P/NAV 0.45x)
- Ownership Institutions (15.11%) hold more than the public (14.63%)
Concerns
- Consistency EPS rose in only 0 of 4 years (erratic or cyclical)
- Profitability Average ROE only 2.84% (below 9%: capital not working hard)
- Profitability Net profit shrinking 66.2% a year
- Valuation P/E 103.33 is high (above 12)
- Valuation Price is 252% above the Graham fair value (Tk 1.8)
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)
- Mid cap (Tk 200-1,000 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
24% above the low, 23.5% 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 70.2%
- Institution 15.1%
- Foreign 0%
- Public 14.6%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 0.74 | 13.54 | 54 | 3 | 1 |
| 2022 | 0.72 | 13.27 | 59 | 3.5 | 0 |
| 2023 | 0.66 | 13.5 | 55 | 2 | 0 |
| 2024 | 0.13 | 13.45 | 11 | — | — |
| 2025 | 0.01 | 13.61 | 1 | — | — |
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 29.8%, 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.