SIBL Social Islami Bank Limited
Bank
Tk 3 as of 2025-11-05 14:20:00
Rank 222 of all scored
Data completeness 70%
Data completeness 70%
Override: Avoid. Last year was a net loss.
Score breakdown
Consistency 66
Profitability 11
Solvency 28
Valuation 38
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 0.22x)
- Ownership Institutions (68.71%) hold more than the public (18.8%)
Concerns
- Consistency Net loss in 1 of the last 5 years
- Profitability Average ROE only 6.04% (below 9%: capital not working hard)
- Profitability Last year was a net LOSS of Tk 101.7 cr
- Valuation No P/E: the company is loss-making
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
- Mid cap (Tk 200-1,000 cr)
- Low sponsor/director holding (11.62%): weak commitment
- Within 0% of its 52-week low: check WHY before treating it as cheap
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
0% above the low, 9.1% 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 11.6%
- Institution 68.7%
- Foreign 0.9%
- Public 18.8%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2020 | 1.67 | 19.29 | 157 | 5 | 5 |
| 2021 | 1.78 | 19.69 | 175 | 5 | 5 |
| 2022 | 2 | 20.2 | 246 | 5 | 5 |
| 2023 | 1.96 | 20.7 | 213 | 5 | 5 |
| 2024 | -0.89 | 18.15 | -102 | — | — |
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 2,656%, 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.