TRUSTBANK Trust Bank Limited
Bank
Tk 13 as of 2026-11-12 14:09:37
Rank 37 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 70
Profitability 62
Solvency 85
Valuation 100
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 14.93% (efficient: above 13% for banks/insurers)
- Valuation P/E 4.51 is low (banks/insurers benchmark ≤ 8)
- Valuation Trades near book value (P/NAV 0.45x)
- Valuation Price is 72% below the Graham fair value (Tk 46.9)
- Ownership Institutions (23.34%) hold more than the public (16.66%)
Concerns
- Consistency EPS rose in only 1 of 4 years (erratic or cyclical)
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Within 2.36% 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
2.4% above the low, 33.3% 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 60%
- Institution 23.3%
- Public 16.7%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 3.78 | 26.51 | 268 | 12.5 | 10 |
| 2022 | 3.75 | 25.97 | 292 | 10 | 10 |
| 2023 | 4.97 | 27.24 | 425 | 12 | 8 |
| 2024 | 4.03 | 27.56 | 372 | 7.5 | 7.5 |
| 2025 | 3.38 | 28.52 | 336 | 8 | 5 |
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 270%, 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.