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In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. This is a conservative way of estimating the company's value.
Eastern Bank's Net-Net Working Capital for the quarter that ended in Jun. 2026 was BDT-441.84.
The industry rank for Eastern Bank's Net-Net Working Capital or its related term are showing as below:
DHA:EBL's Price-to-Net-Net-Working-Capital is not ranked *
in the Banks industry.
Industry Median: 2.02 * Ranked among companies with meaningful Price-to-Net-Net-Working-Capital only.
Eastern Bank (DHA:EBL) Net-Net Working Capital Explanation
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their net-net value. They are collected under our Net-Net screener.
Eastern Bank Net-Net Working Capital Related Terms
Eastern Bank Net-Net Working Capital Historical Data
* Premium members only.
The historical data trend for Eastern Bank's Net-Net Working Capital can be seen below:
* 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.
Eastern Bank Net-Net Working Capital Competitor Comparison
For the Banks - Regional subindustry, Eastern Bank's Price-to-Net-Net-Working-Capital, along with its competitors' market caps and Price-to-Net-Net-Working-Capital 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.
Eastern Bank Price-to-Net-Net-Working-Capital vs Banks Industry
For the Banks industry and Financial Services sector, Eastern Bank's Price-to-Net-Net-Working-Capital distribution charts can be found below:
* The bar in red indicates where Eastern Bank's Price-to-Net-Net-Working-Capital 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.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full.
In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
This is a conservative way of estimating the company's value.
What does a Net-Net Working Capital of BDT-441.84 mean?
Eastern Bank (DHA:EBL) has a Net-Net Working Capital of BDT-441.84 as of Jun. 2026. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Eastern Bank According to the industry distribution chart, Eastern Bank ranks #999999 out of 9 companies in the Banks industry.
Is Eastern Bank's Net-Net Working Capital too high?
Eastern Bank's current Net-Net Working Capital is BDT-441.84. Based on the distribution chart, Eastern Bank ranks #999999 out of 9 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Eastern Bank has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Eastern Bank's Net-Net Working Capital compare to competitors?
According to the Banks industry distribution chart, Eastern Bank ranks #999999 out of 9 companies for Net-Net Working Capital. This places Eastern Bank in the lower half of its industry. The industry median Net-Net Working Capital is 2.02. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net-Net Working Capital for a Banks company?
The median Net-Net Working Capital among Banks companies is 2.02, based on 9 companies in the industry. Companies in the top quartile (top 25%) have a Net-Net Working Capital significantly above this median, while those in the bottom quartile fall well below. However, Net-Net Working Capital 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 Net-Net Working Capital mean?
A high Net-Net Working Capital can signal that a stock is expensive relative to its fundamentals. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Eastern Bank For the Banks industry, the median Net-Net Working Capital is 2.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eastern Bank's current Net-Net Working Capital is BDT-441.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eastern Bank stock overvalued right now?
Based on GuruFocus' analysis, Eastern Bank (DHA:EBL) is currently considered Modestly Undervalued. The stock's GF Value™ is BDT28.00, compared to a current price of BDT23.80 — trading 15% below its estimated fair value. The current Net-Net Working Capital is BDT-441.84. Eastern Bank's overall GF Score™ is 87/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net-Net Working Capital calculated?
Net-Net Working Capital is calculated from a company's financial statements. For Eastern Bank (DHA:EBL), the current Net-Net Working Capital is BDT-441.84 as of Jun. 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 Eastern Bank (DHA:EBL) Overvalued in 2026?
Based on GuruFocus' analysis, Eastern Bank stock appears to be undervalued.
The current stock price of BDT23.80 is trading 15% below its estimated GF Value™ of BDT28.00.
GuruFocus considers Eastern Bank to be Modestly Undervalued.
Key valuation signals for DHA:EBL:
Net-Net Working Capital: BDT-441.84
GF Value™: BDT28.00 vs. price of BDT23.80 (15% below fair value)
No single metric tells the full story. See the DHA:EBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Eastern Bank PLC provides a wide range of commercial banking products and services through Corporate Banking, Retail & SME Banking and Treasury. Its services include term lending, project financing, working capital financing, trade financing, cash management solutions, deposit services, personal and SME financing, card services, digital banking services and agent banking. Its Segments are Domestic Banking Operation (DBO), Offshore Banking Operation (OBO), Islamic Banking (IB), EBL Securities PLC. (EBLSL), EBL Investments Limited (EBLIL), EBL Finance (HK) Limited and EBL Asset Management Ltd. Maximum revenue is generated from the Domestic Banking Operation segment, which offers commercial banking products and services through Corporate, Retail & SME Banking and Treasury business units.
87GF Score
Get the complete analysis for DHA:EBL
Net-Net Working Capital is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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