Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
United Commercial BankDHA:UCB 70 EV-to-FCF is 1.05 as of Jul. 15, 2026, which is 518% above its 10-year median of 0.17. GuruFocus rates DHA:UCB with a GF Score™ of 70/100 and a GF Value™ of BDT9.97 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,196 Banks companies, United Commercial Bank ranks better than 76.51% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, United Commercial Bank's Enterprise Value is BDT9,056 Mil.
United Commercial Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was BDT8,626 Mil. Therefore, United Commercial Bank's EV-to-FCF for today is 1.05.
The historical rank and industry rank for United Commercial Bank's EV-to-FCF or its related term are showing as below:
DHA:UCB'
s EV-to-FCF Range Over the Past 10 Years
Min: -8.47 Med: 0.17 Max: 6.86
Current: 1.07
During the past 13 years, the highest EV-to-FCF of United Commercial Bank was 6.86. The lowest was -8.47. And the median was 0.17.
DHA:UCB's EV-to-FCF is ranked better than 76.51% of 1196
companies
in the Banks industry
Industry Median: 6.575
vs DHA:UCB: 1.07
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Commercial Bank (DHA:UCB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Commercial Bank's PE Ratio (TTM) for today is calculated as:
United Commercial Bank's share price for today is BDT9.00.
United Commercial Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was BDT0.194.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
United Commercial Bank EV-to-FCF Competitor Comparison
For the Banks - Regional subindustry, United Commercial Bank's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
United Commercial Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, United Commercial Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where United Commercial Bank's EV-to-FCF falls into.
United Commercial Bank's current Enterprise Value is BDT9,056 Mil.
United Commercial Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was BDT8,626 Mil.
* 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.
United Commercial Bank (DHA:UCB) has a EV-to-FCF of 1.05 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Commercial Bank and its competitors. This is 518% above median its historical median of 0.17. According to the industry distribution chart, United Commercial Bank ranks #281 out of 1196 companies in the Banks industry, placing it in the top 23.5%.
Is United Commercial Bank's EV-to-FCF too high?
United Commercial Bank's current EV-to-FCF of 1.05 is 518% above median its 10-year median of 0.17. The Banks industry median EV-to-FCF is 6.58. United Commercial Bank's value of 1.05 is 84% below this industry median. Based on the distribution chart, United Commercial Bank ranks #281 out of 1196 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, United Commercial Bank has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does United Commercial Bank's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, United Commercial Bank ranks #281 out of 1196 companies for EV-to-FCF. This places United Commercial Bank in the top 24% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.58. United Commercial Bank's value of 1.05 is 84% below this benchmark. While the company's 10-year median is 0.17 vs. the industry median of 6.58, United Commercial Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.58, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Commercial Bank's current EV-to-FCF of 1.05 is 84% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Commercial Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Commercial Bank's current EV-to-FCF is 1.05, which is 518% above median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, United Commercial Bank (DHA:UCB) is currently considered Modestly Undervalued. The stock's GF Value™ is BDT9.97, compared to a current price of BDT9.00 — trading 9.7% below its estimated fair value. The current EV-to-FCF is 1.05, which is 518% above median its 10-year median of 0.17 and 84% below the Banks industry median of 6.58. United Commercial Bank's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For United Commercial Bank (DHA:UCB), the current EV-to-FCF is 1.05 as of Jul. 15, 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 United Commercial Bank (DHA:UCB) Overvalued in 2026?
Based on GuruFocus' analysis, United Commercial Bank stock appears to be undervalued.
The current stock price of BDT9.00 is trading 9.7% below its estimated GF Value™ of BDT9.97.
GuruFocus considers United Commercial Bank to be Modestly Undervalued.
Key valuation signals for DHA:UCB:
EV-to-FCF: 1.05 (518% above median its 10-year median of 0.17)
GF Value™: BDT9.97 vs. price of BDT9.00 (9.7% below fair value)
Industry Position: 84% below the Banks median (#281 of 1196)
No single metric tells the full story. See the DHA:UCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Commercial Bank PLC is a commercial bank. The company through its delivery channels and subsidiaries offers a wide range of banking products and services to corporate, SME, and retail customers. Its products and services include deposit products like current deposits, fixed deposits, and UCB Multi-Millionaires. Loan products such as trade finance, import finance, loan syndication, and pacing credit. It also provides other services such as Western Union Money Transfer, online services internet banking. The reportable segments of the company are Corporate Banking, SME Banking, Consumer Banking, Treasury, Investment Banking, Offshore Banking, Card and Alternate Delivery Channel, Mobile Financial Services, and Agent Banking.
70GF Score
Get the complete analysis for DHA:UCB
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
DHA:UCB has been successfully added to your 
