City Bank (DHA:CITYBANK) E10: BDT3.81 (As of Mar. 2026)


DHA:CITYBANK City Bank PLC DHA:CITYBANK
66 GF Score
Price BDT30.20
GF Value BDT26.94
Valuation Modestly Overvalued
! 4 Warning Signs
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What is City Bank E10?

City Bank DHA:CITYBANK -2.27% 66 E10 is BDT3.81 as of Mar. 2026. GuruFocus rates DHA:CITYBANK with a GF Score™ of 66/100 and a GF Value™ of BDT26.94 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

City Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was BDT1.374. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is BDT3.81 for the trailing ten years ended in Mar. 2026.

During the past 12 months, City Bank's average E10 Growth Rate was 22.10% per year. During the past 3 years, the average E10 Growth Rate was 19.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of City Bank was 19.40% per year. The lowest was 19.40% per year. And the median was 19.40% per year.

As of today (2026-07-09), City Bank's current stock price is BDT30.20. City Bank's E10 for the quarter that ended in Mar. 2026 was BDT3.81. City Bank's Shiller PE Ratio of today is 7.93.

During the past 13 years, the highest Shiller PE Ratio of City Bank was 8.22. The lowest was 5.02. And the median was 6.43.


City Bank  (DHA:CITYBANK) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

City Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=30.20/3.81
=7.93

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of City Bank was 8.22. The lowest was 5.02. And the median was 6.43.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


City Bank E10 Related Terms


City Bank E10 Historical Data

* Premium members only.

The historical data trend for City Bank's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

City Bank E10 Chart

City Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 2.18 2.47 3.06 3.71

City Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.12 3.24 3.44 3.71 3.81

City Bank E10 Competitor Comparison

For the Banks - Regional subindustry, City Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


City Bank Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, City Bank's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where City Bank's Shiller PE Ratio falls into.


DHA:CITYBANK
66GF Score
City Bank PLC DHA:CITYBANK
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

City Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, City Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.374/330.2130*330.2130
=1.374

Current CPI (Mar. 2026) = 330.2130.

City Bank Quarterly Data

per share eps CPI Adj_EPS
201603 0.418 238.132 0.580
201606 0.799 241.018 1.095
201609 0.254 241.428 0.347
201612 0.946 241.432 1.294
201703 0.354 243.801 0.479
201706 0.839 244.955 1.131
201709 0.455 246.819 0.609
201712 0.433 246.524 0.580
201803 0.212 249.554 0.281
201806 0.612 251.989 0.802
201809 0.496 252.439 0.649
201812 -0.014 251.233 -0.018
201903 0.439 254.202 0.570
201906 0.651 256.143 0.839
201909 0.443 256.759 0.570
201912 0.006 256.974 0.008
202003 0.437 258.115 0.559
202006 0.178 257.797 0.228
202012 0.000 260.474 0.000
202103 0.594 264.877 0.741
202106 0.820 271.696 0.997
202109 0.586 274.310 0.705
202112 1.244 278.802 1.473
202203 0.510 287.504 0.586
202206 0.752 296.311 0.838
202209 0.653 296.808 0.726
202212 0.843 296.797 0.938
202303 0.513 301.836 0.561
202306 0.850 305.109 0.920
202309 0.812 307.789 0.871
202312 1.489 306.746 1.603
202403 0.580 312.332 0.613
202406 1.009 314.175 1.061
202409 1.148 315.301 1.202
202412 3.226 315.605 3.375
202503 0.591 319.799 0.610
202506 1.348 322.561 1.380
202509 2.409 324.800 2.449
202512 3.441 324.054 3.506
202603 1.374 330.213 1.374

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of BDT3.81 mean?
City Bank (DHA:CITYBANK) has a E10 of BDT3.81 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on City Bank and its competitors.
Is City Bank's E10 too high?
City Bank's current E10 is BDT3.81. Overall, City Bank has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does City Bank's E10 compare to competitors?
City Bank's E10 of BDT3.81 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on City Bank and its competitors. City Bank's current E10 is BDT3.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is City Bank stock overvalued right now?
Based on GuruFocus' analysis, City Bank (DHA:CITYBANK) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT26.94, compared to a current price of BDT30.20 — trading 12.1% above its estimated fair value. The current E10 is BDT3.81. City Bank's overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For City Bank (DHA:CITYBANK), the current E10 is BDT3.81 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is City Bank (DHA:CITYBANK) Overvalued in 2026?

Based on GuruFocus' analysis, City Bank stock appears to be overvalued. The current stock price of BDT30.20 is trading 12.1% above its estimated GF Value™ of BDT26.94. GuruFocus considers City Bank to be Modestly Overvalued.

Key valuation signals for DHA:CITYBANK:

  • E10: BDT3.81
  • GF Value™: BDT26.94 vs. price of BDT30.20 (12.1% above fair value)
  • GF Score™: 66/100 with 4 warning signs

No single metric tells the full story. See the DHA:CITYBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


City Bank Business Description

Address SE (D)- 3, 28 Gulshan Avenue, City Bank Center, Gulshan-1, Dhaka, BGD, 1212
City Bank PLC operates as a commercial bank offering a range of depository, loan, and card products, and services. The products and services of the company include various types of savings and current accounts, personal loans, debit cards, credit cards, internet banking, corporate banking, SME banking, investment banking, and treasury and syndication services, among others. The company recognizes the majority of its revenue from interest, fees, commission, and investment income.
66GF Score

Get the complete analysis for DHA:CITYBANK

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BDT30.20
Price
BDT26.94
GF Value