United Commercial Bank (DHA:UCB) Moat Score: 0/10 (As of Jul. 11, 2026)


DHA:UCB United Commercial Bank PLC DHA:UCB
70 GF Score
Price BDT9.10
GF Value BDT9.96
Valuation Fairly Valued
! 2 Warning Signs
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What is United Commercial Bank Moat Score?

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

United Commercial 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 United Commercial Bank might have No Moat - No discernible moat.

United Commercial Bank  (DHA:UCB) 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

United Commercial Bank Moat Score Related Terms

DHA:UCB
70GF Score
United Commercial Bank PLC DHA:UCB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 BDT9.10 is trading 8.6% below its estimated GF Value™ of BDT9.96. GuruFocus considers United Commercial Bank to be Fairly Valued.

Key valuation signals for DHA:UCB:

  • Moat Score: 0
  • GF Value™: BDT9.96 vs. price of BDT9.10 (8.6% below fair value)
  • GF Score™: 70/100 with 2 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.
70GF Score

Get the complete analysis for DHA:UCB

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

BDT9.10
Price
BDT9.96
GF Value