UTTARABANK Uttara Bank Limited.
Bank
Tk 21.1 as of 2026-11-12 14:09:45
Rank 3 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 100
Profitability 92
Solvency 89
Valuation 98
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Consistency EPS grew in 4 of 4 years
- Consistency Paid a dividend every year (5/5)
- Profitability Average ROE 16.02% (efficient: above 13% for banks/insurers)
- Profitability Net profit growing 27.67% a year
- Valuation P/E 3.42 is low (banks/insurers benchmark ≤ 8)
- Valuation Trades near book value (P/NAV 0.73x)
- Valuation Price is 66% below the Graham fair value (Tk 63.0)
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Within 3.94% of its 52-week low: check WHY before treating it as cheap
- Current P/E is well above trailing P/E: the latest quarter's EPS fell
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
3.9% above the low, 20.4% 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 30.7%
- Institution 24.6%
- Foreign 0.5%
- Public 44.3%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 3.93 | 32.83 | 222 | 14 | 14 |
| 2022 | 4.2 | 31.79 | 271 | 14 | 14 |
| 2023 | 4.32 | 31.04 | 317 | 17.5 | 12.5 |
| 2024 | 5.79 | 32.07 | 478 | 17.5 | 17.5 |
| 2025 | 6.08 | 31.95 | 590 | 5 | 25 |
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 6.6%, 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.