UCB United Commercial Bank Limited.
Bank
Tk 8.9 as of 2026-11-12 14:08:57
Rank 265 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 57
Profitability 21
Solvency 40
Valuation 47
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 0.33x)
- Ownership Institutions (55.25%) hold more than the public (35.44%)
Concerns
- Profitability Average ROE only 3.56% (below 9%: capital not working hard)
- Profitability Net profit shrinking 44.16% a year
- Valuation P/E 98.89 is high (above 12)
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
- Category Z (poor/defaulting: gambling favourite, avoid for long-term)
- Low sponsor/director holding (8.19%): weak commitment
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
14.1% above the low, 17.6% 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 8.2%
- Institution 55.3%
- Foreign 0.3%
- Govt 0.8%
- Public 35.4%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 1.92 | 29.25 | 245 | 0 | 10 |
| 2022 | 2.35 | 28.57 | 330 | 5 | 5 |
| 2023 | 1.52 | 28.16 | 220 | 5 | 5 |
| 2024 | 0.05 | 26.42 | 8 | — | — |
| 2025 | 0.15 | 25.71 | 24 | — | — |
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 311.9%, 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.