Shahjalal Islami Bank (DHA:SHAHJABANK) Moat Score: 0/10 (As of Sep. 02, 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:SHAHJABANK Shahjalal Islami Bank PLC DHA:SHAHJABANK
78 GF Score
Price BDT17.60
GF Value BDT25.18
Valuation Significantly Undervalued
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What is Shahjalal Islami Bank Moat Score?

Shahjalal Islami Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Shahjalal Islami Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Shahjalal Islami Bank might have No Moat - No discernible moat.

Shahjalal Islami Bank  (DHA:SHAHJABANK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Shahjalal Islami Bank Moat Score Related Terms

DHA:SHAHJABANK
78GF Score
Shahjalal Islami Bank PLC DHA:SHAHJABANK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Shahjalal Islami Bank (DHA:SHAHJABANK) Overvalued in 2026?

Based on GuruFocus' analysis, Shahjalal Islami Bank stock appears to be undervalued. The current stock price of BDT17.60 is trading 30.1% below its estimated GF Value™ of BDT25.18. GuruFocus considers Shahjalal Islami Bank to be Significantly Undervalued.

Key valuation signals for DHA:SHAHJABANK:

  • Moat Score: 0
  • GF Value™: BDT25.18 vs. price of BDT17.60 (30.1% below fair value)
  • GF Score™: 78/100

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

Shahjalal Islami Bank Business Description

Address Gulshan Avenue, Plot No. 04, Block-CWN C, Shahjalal Islami Bank Tower, Dhaka, BGD, 1212
Shahjalal Islami Bank PLC provides commercial banking products and services in Bangladesh. It offers various deposit products, including current deposit accounts, savings deposit accounts, term deposit accounts, and short-notice deposit accounts. The company generates revenue from segments, namely, Corporate Banking, SME Banking, Retail Banking, and Treasury.
78GF Score

Get the complete analysis for DHA:SHAHJABANK

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

BDT17.60
Price
BDT25.18
GF Value