UNIONBANK Union Bank Limited
Bank
Tk 1.5 as of 2025-11-05 14:20:00
Rank 114 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 78
Profitability 70
Solvency 75
Valuation 100
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Profitability Net profit growing 23.74% a year
- Valuation P/E 0.95 is low (banks/insurers benchmark ≤ 8)
- Valuation Trades near book value (P/NAV 0.1x)
- Valuation Price is 94% below the Graham fair value (Tk 23.4)
Notes
- Consistency EPS rose in 1 of 2 years (mixed)
- Profitability Average ROE 9.2% (moderate)
- 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)
- Small cap (< Tk 200 cr): most exposed to manipulation and volatility
- Thin trading (last day ~Tk 0.04 cr)
- 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, 11.8% 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 54.5%
- Institution 13.6%
- Foreign 0%
- Public 31.9%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2020 | 1.77 | 16.38 | 99 | — | — |
| 2021 | 1.56 | 17.91 | 87 | 5 | 5 |
| 2022 | 1.57 | 15.82 | 151 | 5 | 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 1,748.8%, 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.