United Commercial BankDHA:UCB -1.11%70 Net Margin % is 1.45% as of Mar. 2026, which is 88% below its 10-year median of 12.54. GuruFocus rates DHA:UCB with a GF Score™ of 70/100 and a GF Value™ of BDT9.94 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, United Commercial Bank ranks worse than 95.15% on this metric.
The historical rank and industry rank for United Commercial Bank's Net Margin % or its related term are showing as below:
DHA:UCB'
s Net Margin % Range Over the Past 10 Years
Min: 0.23 Med: 12.54 Max: 16.24
Current: 0.94
DHA:UCB's Net Margin % is ranked worse than 95.15% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs DHA:UCB: 0.94
United Commercial Bank (DHA:UCB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
United Commercial Bank Net Margin % Related Terms
United Commercial Bank Net Margin % 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.
United Commercial Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, United Commercial Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Commercial Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where United Commercial Bank's Net Margin % falls into.
* 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 Net Margin % of 1.45% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on United Commercial Bank and its competitors. This is 88% below median its historical median of 12.54. Over the past decade, United Commercial Bank's Net Margin % has ranged from 0.23 to 16.24. According to the industry distribution chart, United Commercial Bank ranks #1453 out of 1527 companies in the Banks industry, placing it in the top 95.2%.
Is United Commercial Bank's Net Margin % too high?
United Commercial Bank's current Net Margin % of 1.45% is 88% below median its 10-year median of 12.54. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 16.24. The Banks industry median Net Margin % is 26.95. United Commercial Bank's value of 1.45% is 94.6% below this industry median. Based on the distribution chart, United Commercial Bank ranks #1453 out of 1527 companies in the Banks industry, which is in the bottom quartile 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 Net Margin % compare to competitors?
According to the Banks industry distribution chart, United Commercial Bank ranks #1453 out of 1527 companies for Net Margin %. This places United Commercial Bank in the lower half of its industry. The industry median Net Margin % is 26.95. United Commercial Bank's value of 1.45% is 94.6% below this benchmark. Historically, United Commercial Bank's own Net Margin % has ranged from 0.23 to 16.24 over the past decade. While the company's 10-year median is 12.54 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Commercial Bank's current Net Margin % of 1.45% is 94.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on United Commercial Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Commercial Bank's current Net Margin % is 1.45%, which is 88% below median its own 10-year median of 12.54. 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 BDT9.94, compared to a current price of BDT8.90 — trading 10.5% below its estimated fair value. The current Net Margin % is 1.45%, which is 88% below median its 10-year median of 12.54 and 94.6% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For United Commercial Bank (DHA:UCB), the current Net Margin % is 1.45% as of Mar. 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 BDT8.90 is trading 10.5% below its estimated GF Value™ of BDT9.94.
GuruFocus considers United Commercial Bank to be Modestly Undervalued.
Key valuation signals for DHA:UCB:
Net Margin %: 1.45% (88% below median its 10-year median of 12.54)
GF Value™: BDT9.94 vs. price of BDT8.90 (10.5% below fair value)
Industry Position: 94.6% below the Banks median (#1453 of 1527)
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
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