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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.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for National Credit and Commerce Bank's Median PS Value or its related term are showing as below:
DHA:NCCBANK'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.75 Med: 0.79 Max: 0.79
Current: 0.75
During the past 11 years, the highest Price to Median PS Value of National Credit and Commerce Bank was 0.79. The lowest was 0.75. And the median was 0.79.
DHA:NCCBANK's Price-to-Median-PS-Value is ranked better than 86.69% of 1059
companies
in the Banks industry
Industry Median: 1.11
vs DHA:NCCBANK: 0.75
National Credit and Commerce Bank (DHA:NCCBANK) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
National Credit and Commerce Bank's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
15.10
/
20.15
=
0.75
* 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.
National Credit and Commerce Bank Median PS Value Related Terms
National Credit and Commerce Bank Median PS Value Historical Data
* 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.
National Credit and Commerce Bank Median PS Value Chart
National Credit and Commerce Bank Median PS Value Competitor Comparison
For the Banks - Regional subindustry, National Credit and Commerce Bank's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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.
National Credit and Commerce Bank Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, National Credit and Commerce Bank's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where National Credit and Commerce Bank's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.1508.
National Credit and Commerce Bank's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was BDT17.51.
* 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.
National Credit and Commerce Bank (DHA:NCCBANK) has a Median PS Value of BDT20.15 as of Aug. 23, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on National Credit and Commerce Bank and its competitors. This is 2451% above median its historical median of 0.79. Over the past decade, National Credit and Commerce Bank's Median PS Value has ranged from 0.75 to 0.79. According to the industry distribution chart, National Credit and Commerce Bank ranks #141 out of 1059 companies in the Banks industry, placing it in the top 13.3%.
Is National Credit and Commerce Bank's Median PS Value too high?
National Credit and Commerce Bank's current Median PS Value of BDT20.15 is 2451% above median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 0.79. Based on the distribution chart, National Credit and Commerce Bank ranks #141 out of 1059 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Credit and Commerce Bank has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Credit and Commerce Bank's Median PS Value compare to competitors?
According to the Banks industry distribution chart, National Credit and Commerce Bank ranks #141 out of 1059 companies for Median PS Value. This places National Credit and Commerce Bank in the top 13% of its industry — outperforming the majority of peers. The industry median Median PS Value is 1.11. Historically, National Credit and Commerce Bank's own Median PS Value has ranged from 0.75 to 0.79 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,059 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on National Credit and Commerce Bank and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Credit and Commerce Bank's current Median PS Value is BDT20.15, which is 2451% above median its own 10-year median of 0.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Credit and Commerce Bank stock overvalued right now?
Based on GuruFocus' analysis, National Credit and Commerce Bank (DHA:NCCBANK) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT13.37, compared to a current price of BDT15.10 — trading 12.9% above its estimated fair value. The current Median PS Value is BDT20.15, which is 2451% above median its 10-year median of 0.79. National Credit and Commerce Bank's overall GF Score™ is 77/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For National Credit and Commerce Bank (DHA:NCCBANK), the current Median PS Value is BDT20.15 as of Aug. 23, 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 National Credit and Commerce Bank (DHA:NCCBANK) Overvalued in 2026?
Based on GuruFocus' analysis, National Credit and Commerce Bank stock appears to be overvalued.
The current stock price of BDT15.10 is trading 12.9% above its estimated GF Value™ of BDT13.37.
GuruFocus considers National Credit and Commerce Bank to be Modestly Overvalued.
Key valuation signals for DHA:NCCBANK:
Median PS Value: BDT20.15 (2451% above median its 10-year median of 0.79)
GF Value™: BDT13.37 vs. price of BDT15.10 (12.9% above fair value)
No single metric tells the full story. See the DHA:NCCBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Credit and Commerce Bank PLC is a commercial bank in Bangladesh. The principal activities of the company are loans and deposit services, personal and commercial banking, trade services, and others to the customers. The company offers a range of services such as Retail Banking, Corporate Banking, NRB banking, and E-banking, among others.
77GF Score
Get the complete analysis for DHA:NCCBANK
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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