SHAHJABANK Shahjalal Islami Bank Ltd.
Bank
Tk 17.3 as of 2026-11-12 14:00:00
Rank 36 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 81
Profitability 80
Solvency 66
Valuation 99
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)
- Profitability Average ROE 13.58% (efficient: above 13% for banks/insurers)
- Valuation P/E 4.54 is low (banks/insurers benchmark ≤ 8)
- Valuation Trades near book value (P/NAV 0.68x)
- Valuation Price is 60% below the Graham fair value (Tk 43.5)
Notes
- Consistency EPS rose in 2 of 4 years (mixed)
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Thin trading (last day ~Tk 0.08 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
11.6% above the low, 8.5% 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 42.9%
- Institution 24.8%
- Public 32.3%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 2.52 | 19.27 | 259 | 10 | 5 |
| 2022 | 3.31 | 20.32 | 358 | 12 | 3 |
| 2023 | 3.22 | 21.38 | 358 | 14 | 0 |
| 2024 | 1.52 | 21.09 | 169 | 10 | 0 |
| 2025 | 3.31 | 23.07 | 368 | 13 | 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 138.2%, 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.