Pubali Bank (DHA:PUBALIBANK) E10: BDT3.52 (As of Mar. 2026)


DHA:PUBALIBANK Pubali Bank PLC DHA:PUBALIBANK
81 GF Score
Price BDT36.20
GF Value BDT28.82
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Pubali Bank E10?

Pubali Bank DHA:PUBALIBANK -1.90% 81 E10 is BDT3.52 as of Mar. 2026. GuruFocus rates DHA:PUBALIBANK with a GF Score™ of 81/100 and a GF Value™ of BDT28.82 (Modestly Overvalued). The stock has 5 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.

Pubali Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was BDT1.433. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is BDT3.52 for the trailing ten years ended in Mar. 2026.

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.

As of today (2026-07-03), Pubali Bank's current stock price is BDT36.20. Pubali Bank's E10 for the quarter that ended in Mar. 2026 was BDT3.52. Pubali Bank's Shiller PE Ratio of today is 10.28.

During the past 12 years, the highest Shiller PE Ratio of Pubali Bank was 10.48. The lowest was 6.78. And the median was 7.98.


Pubali Bank  (DHA:PUBALIBANK) 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.

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

Shiller PE Ratio=Share Price/E10
=36.20/3.52
=10.28

* 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 12 years, the highest Shiller P/E Ratio of Pubali Bank was 10.48. The lowest was 6.78. And the median was 7.98.


Be Aware

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


Pubali Bank E10 Related Terms


Pubali Bank E10 Historical Data

* Premium members only.

The historical data trend for Pubali 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.

Pubali Bank E10 Chart

Pubali 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 0.00 0.00 0.00 3.34

Pubali 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 0.00 3.16 3.32 3.34 3.52

Pubali Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Pubali 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.


Pubali Bank Shiller PE Ratio vs Banks Industry

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

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


DHA:PUBALIBANK
81GF Score
Pubali Bank PLC DHA:PUBALIBANK
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pubali 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, Pubali 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)
=1.433/330.2130*330.2130
=1.433

Current CPI (Mar. 2026) = 330.2130.

Pubali Bank Quarterly Data

per share eps CPI Adj_EPS
201606 0.268 241.018 0.367
201609 0.195 241.428 0.267
201612 0.225 241.432 0.308
201703 0.432 243.801 0.585
201706 0.320 244.955 0.431
201709 0.256 246.819 0.342
201712 -0.940 246.524 -1.259
201803 0.447 249.554 0.591
201806 0.942 251.989 1.234
201809 0.336 252.439 0.440
201812 0.606 251.233 0.797
201903 0.540 254.202 0.701
201906 0.882 256.143 1.137
201909 0.369 256.759 0.475
201912 -0.408 256.974 -0.524
202003 0.566 258.115 0.724
202006 0.382 257.797 0.489
202009 0.988 260.280 1.253
202012 0.435 260.474 0.551
202103 0.645 264.877 0.804
202106 0.540 271.696 0.656
202109 1.791 274.310 2.156
202112 -0.191 278.802 -0.226
202203 0.784 287.504 0.900
202206 0.770 296.311 0.858
202209 1.811 296.808 2.015
202212 0.250 296.797 0.278
202303 0.876 301.836 0.958
202306 0.904 305.109 0.978
202309 2.141 307.789 2.297
202312 0.526 306.746 0.566
202403 1.141 312.332 1.206
202406 1.825 314.175 1.918
202409 2.858 315.301 2.993
202412 -0.625 315.605 -0.654
202503 1.183 319.799 1.222
202506 2.517 322.561 2.577
202509 2.133 324.800 2.169
202512 1.146 324.054 1.168
202603 1.433 330.213 1.433

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 BDT3.52 mean?
Pubali Bank (DHA:PUBALIBANK) has a E10 of BDT3.52 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Pubali Bank and its competitors.
Is Pubali Bank's E10 too high?
Pubali Bank's current E10 is BDT3.52. Overall, Pubali Bank has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pubali Bank's E10 compare to competitors?
Pubali Bank's E10 of BDT3.52 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 Pubali Bank and its competitors. Pubali Bank's current E10 is BDT3.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pubali Bank stock overvalued right now?
Based on GuruFocus' analysis, Pubali Bank (DHA:PUBALIBANK) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT28.82, compared to a current price of BDT36.20 — trading 25.6% above its estimated fair value. The current E10 is BDT3.52. Pubali Bank's overall GF Score™ is 81/100 with 5 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 Pubali Bank (DHA:PUBALIBANK), the current E10 is BDT3.52 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 Pubali Bank (DHA:PUBALIBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Pubali Bank stock appears to be overvalued. The current stock price of BDT36.20 is trading 25.6% above its estimated GF Value™ of BDT28.82. GuruFocus considers Pubali Bank to be Modestly Overvalued.

Key valuation signals for DHA:PUBALIBANK:

  • E10: BDT3.52
  • GF Value™: BDT28.82 vs. price of BDT36.20 (25.6% above fair value)
  • GF Score™: 81/100 with 5 warning signs

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


Pubali Bank Business Description

Address 26, Dilkusha Commercial Area, G.P.O. Box Number 853, Dhaka, BGD, 1000
Pubali Bank PLC provides commercial banking services in Bangladesh. The bank offers deposit products that include savings bank accounts, fixed deposit accounts, short-term deposit accounts, current accounts, pension accounts, and foreign currency accounts. Its business segments are comprised of Conventional Banking, Islamic Banking, Off-shore Banking and Pubali Bank Securities Limited.
81GF Score

Get the complete analysis for DHA:PUBALIBANK

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

BDT36.20
Price
BDT28.82
GF Value