United Commercial Bank (DHA:UCB) Margin of Safety % (DCF Dividends Based): N/A (As of Aug. 17, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

DHA:UCB United Commercial Bank PLC DHA:UCB
71 GF Score
Price BDT9.50
GF Value BDT9.47
Valuation Fairly Valued
! 3 Warning Signs
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What is United Commercial Bank Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-08-17), United Commercial Bank's Predictability Rank is 4-Stars. United Commercial Bank's intrinsic value calculated from the Discounted Dividend model is BDT3.05 and current share price is BDT9.50. Consequently,

United Commercial Bank's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is N/A.

United Commercial Bank Margin of Safety % (DCF Dividends Based) Competitor Comparison

For the Banks - Regional subindustry, United Commercial Bank's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, United Commercial Bank's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where United Commercial Bank's Margin of Safety % (DCF Dividends Based) falls into.


DHA:UCB
71GF Score
United Commercial Bank PLC DHA:UCB
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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United Commercial Bank Margin of Safety % (DCF Dividends Based) Calculation

United Commercial Bank's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(0.00-9.50)/0.00
=N/A

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

Is United Commercial Bank (DHA:UCB) Overvalued in 2026?

Based on GuruFocus' analysis, United Commercial Bank stock appears to be overvalued. The current stock price of BDT9.50 is trading 0.3% above its estimated GF Value™ of BDT9.47. GuruFocus considers United Commercial Bank to be Fairly Valued.

Key valuation signals for DHA:UCB:

  • Margin of Safety % (DCF Dividends Based): N/A
  • GF Value™: BDT9.47 vs. price of BDT9.50 (0.3% above fair value)
  • GF Score™: 71/100 with 3 warning signs

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 Business Description

Address Road No. - 34, Gulshan Avenue, Plot - CWS- (A)-1, Bulus Center, Dhaka, BGD, 1212
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.
71GF Score

Get the complete analysis for DHA:UCB

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BDT9.50
Price
BDT9.47
GF Value