Southeast Bank (DHA:SOUTHEASTB) Owner Earnings per Share (TTM): 3.48 (As of Jun. 2026)

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DHA:SOUTHEASTB Southeast Bank PLC DHA:SOUTHEASTB
67 GF Score
Price BDT12.60
GF Value BDT10.54
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Southeast Bank Owner Earnings per Share (TTM)?

Southeast Bank DHA:SOUTHEASTB +1.61% 67 Owner Earnings per Share (TTM) is 3.48 as of Jun. 2026. GuruFocus rates DHA:SOUTHEASTB with a GF Score™ of 67/100 and a GF Value™ of BDT10.54 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,031 Banks companies, Southeast Bank ranks better than 84.68% on this metric.

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

Southeast Bank's Owner Earnings per Share (TTM) ended in Jun. 2026 was BDT3.48. It's Price-to-Owner-Earnings ratio for today is 3.62.


The historical rank and industry rank for Southeast Bank's Owner Earnings per Share (TTM) or its related term are showing as below:

DHA:SOUTHEASTB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.69   Med: 7.68   Max: 28.38
Current: 3.62


During the past 13 years, the highest Price-to-Owner-Earnings ratio of Southeast Bank was 28.38. The lowest was 2.69. And the median was 7.68.


DHA:SOUTHEASTB's Price-to-Owner-Earnings is ranked better than
84.68% of 1031 companies
in the Banks industry
Industry Median: 10.54 vs DHA:SOUTHEASTB: 3.62

Southeast Bank's Earnings per Share (Diluted) for the three months ended in Jun. 2026 was BDT0.65. Its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was BDT2.98. It's PE Ratio (TTM) ratio for today is 4.23.

Southeast Bank's EPS without NRI for the three months ended in Jun. 2026 was BDT0.58. Its EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2026 was BDT2.98. It's PE Ratio without NRI ratio for today is 4.23.


Be Aware

Assumption: Companies usually do not report maintenance capital expenditures and growth capital expenditures separately. Here we use estimated numbers and average them over 5 years. The method to estimate maintenance capital expenditures can be found in above part 4.

Note: GuruFocus' Change In Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And it includes non-current parts of assets and liabilities.


Southeast Bank Owner Earnings per Share (TTM) Related Terms


Southeast Bank Owner Earnings per Share (TTM) Historical Data

* Premium members only.

The historical data trend for Southeast Bank's Owner Earnings per Share (TTM) 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.

Southeast Bank Owner Earnings per Share (TTM) Chart

Southeast Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Owner Earnings per Share (TTM)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Southeast Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Owner Earnings per Share (TTM) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Southeast Bank Owner Earnings per Share (TTM) Competitor Comparison

For the Banks - Regional subindustry, Southeast Bank's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings 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.


Southeast Bank Price-to-Owner-Earnings vs Banks Industry

For the Banks industry and Financial Services sector, Southeast Bank's Price-to-Owner-Earnings distribution charts can be found below:

* The bar in red indicates where Southeast Bank's Price-to-Owner-Earnings falls into.


DHA:SOUTHEASTB
67GF Score
Southeast Bank PLC DHA:SOUTHEASTB
Owner Earnings per Share (TTM) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Southeast Bank Owner Earnings per Share (TTM) Calculation

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

To make it simple, then you will have:

Owner Earnings per Share (TTM) = (Net Income + Depreciation, Depletion and Amortization + Change In Deferred Tax - 5Y Average of Maintenance Capital Expenditure + Change In Working Capital) / Shares Outstanding (Diluted Average)

Southeast Bank's Owner Earnings per Share (TTM) Calculation:

TTM / Last Quarter Average of Last 20 Quarters
Net Income 4,205
Depreciation, Depletion and Amortization 0
Change In Deferred Tax 0
5Y Average of Maintenance Capital Expenditure 375
Change In Working Capital 15,307
Shares Outstanding (Diluted Average) 1,337

1. Start with "Net Income" from income statement. Southeast Bank's Net Income for the trailing twelve months (TTM) ended in Jun. 2026 was BDT4,205 Mil.

2. "Depreciation, Depletion and Amortization" is from cashflow statement. Southeast Bank's Depreciation, Depletion and Amortization for the trailing twelve months (TTM) ended in Jun. 2026 was BDT0 Mil. This needs to be added back because company does not actually need to pay cash for it. It is a non-cash item.

3. Other non-cash charges usually include "Stock Based Compensation" and "Change In Deferred Tax":
However, to be conservative, GuruFocus will not add Stock Based Compensation back to net income. Southeast Bank's Change In Deferred Tax for the trailing twelve months (TTM) ended in Jun. 2026 was BDT0 Mil.

4. Average maintenance capital expenditure over a business/industry cycle: 5-Year Average Maintenance Capital Expenditure = BDT375 Mil

It is usually best to take a long-term average of maintenance capital expenditure. Ideally this would be as long as 10 years and include at least one economic downturn. However, since many companies do not have as long as 10-year history, here GuruFocus uses the latest 5 years data to do the calculation. To smooth out unusual years but reflect recent developments, we take an average of the 5 year maintenance capital expenditure.

The following shows how to get maintenance capital expenditure.

First, calculate the revenue change regarding to the previous quarter. If the revenue decreased from the previous quarter, then the Maintenance Capital Expenditure = Capital Expenditure (positive).
Second, if the revenue increased from the previous quarter, then calculate the percentage of Net PPE as of corresponding Revenue.
Growth Capital Expenditure = Percentage of Property, Plant and Equipment as of corresponding Revenue * Revenue Increase
Third, calculate Capital Expenditure (positive) - Growth Capital Expenditure.
If [Capital Expenditure (positive) - Growth Capital Expenditure] was negative, then the Maintenance Capital Expenditure = Capital Expenditure (positive).
If [Capital Expenditure (positive) - Growth Capital Expenditure] was positive, then the Maintenance Capital Expenditure = Capital Expenditure (positive) - Growth Capital Expenditure.
Fourth, get the average of the 5 years maintenance capital expenditure.

Southeast Bank's 5-Year Average Maintenance Capital Expenditure = BDT375 Mil

5. "Change In Working Capital" is from cashflow statement. Southeast Bank's Change In Working Capital for the trailing twelve months (TTM) ended in Jun. 2026 was BDT15,307 Mil.
Note: GuruFocus' Change in Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And sometimes it includes non-current parts of assets and liabilities.

6. Southeast Bank's Shares Outstanding (Diluted Average) for the months ended in Jun. 2026 was 1337.396388 Mil.

Southeast Bank's Onwer Earnings Per Share for Jun. 2026 is calculated as:

Owner Earnings per Share (TTM)
=( Net Income+Depreciation, Depletion and Amortization+Change In Deferred Tax
=( 4204.9565 +0+0
-5Y Avg of Maintenance CAPEX+Change In Working Capital )/Shares Outstanding (Diluted Average)
-374.79336512854+15306.6403)/1337.396388
=3.48

Price-to-Owner-Earnings=Current Price/Owner Earnings per Share (TTM)
=12.60/3.48
=3.62

* 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.

What does a Owner Earnings per Share (TTM) of 3.48 mean?
Southeast Bank (DHA:SOUTHEASTB) has a Owner Earnings per Share (TTM) of 3.48 as of Jun. 2026. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on Southeast Bank. According to the industry distribution chart, Southeast Bank ranks #158 out of 1031 companies in the Banks industry, placing it in the top 15.3%.
Is Southeast Bank's Owner Earnings per Share (TTM) too high?
Southeast Bank's current Owner Earnings per Share (TTM) is 3.48. The Banks industry median Owner Earnings per Share (TTM) is 10.54. Southeast Bank's value of 3.48 is 67% below this industry median. Based on the distribution chart, Southeast Bank ranks #158 out of 1031 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Southeast Bank has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southeast Bank's Owner Earnings per Share (TTM) compare to competitors?
According to the Banks industry distribution chart, Southeast Bank ranks #158 out of 1031 companies for Owner Earnings per Share (TTM). This places Southeast Bank in the top 15% of its industry — outperforming the majority of peers. The industry median Owner Earnings per Share (TTM) is 10.54. Southeast Bank's value of 3.48 is 67% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Owner Earnings per Share (TTM) for a Banks company?
The median Owner Earnings per Share (TTM) among Banks companies is 10.54, based on 1,031 companies in the industry. Companies in the top quartile (top 25%) have a Owner Earnings per Share (TTM) significantly above this median, while those in the bottom quartile fall well below. However, Owner Earnings per Share (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southeast Bank's current Owner Earnings per Share (TTM) of 3.48 is 67% 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 Owner Earnings per Share (TTM) mean?
A high Owner Earnings per Share (TTM) can signal that a stock is expensive relative to its fundamentals. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on Southeast Bank. For the Banks industry, the median Owner Earnings per Share (TTM) is 10.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southeast Bank's current Owner Earnings per Share (TTM) is 3.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southeast Bank stock overvalued right now?
Based on GuruFocus' analysis, Southeast Bank (DHA:SOUTHEASTB) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT10.54, compared to a current price of BDT12.60 — trading 19.5% above its estimated fair value. The current Owner Earnings per Share (TTM) is 3.48 and 67% below the Banks industry median of 10.54. Southeast Bank's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Owner Earnings per Share (TTM) calculated?
Owner Earnings per Share (TTM) is calculated from a company's financial statements. For Southeast Bank (DHA:SOUTHEASTB), the current Owner Earnings per Share (TTM) is 3.48 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 Southeast Bank (DHA:SOUTHEASTB) Overvalued in 2026?

Based on GuruFocus' analysis, Southeast Bank stock appears to be overvalued. The current stock price of BDT12.60 is trading 19.5% above its estimated GF Value™ of BDT10.54. GuruFocus considers Southeast Bank to be Modestly Overvalued.

Key valuation signals for DHA:SOUTHEASTB:

  • Owner Earnings per Share (TTM): 3.48
  • GF Value™: BDT10.54 vs. price of BDT12.60 (19.5% above fair value)
  • GF Score™: 67/100 with 4 warning signs
  • Industry Position: 67% below the Banks median (#158 of 1031)

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


Southeast Bank Business Description

Address Eunoos Trade Centre, Level 2,3,4,6,16 & 17, 52-53, Dilkusha Commercial Area, Dhaka, BGD, 1000
Southeast Bank PLC is a commercial bank. The company provides services for all commercial banking needs of the customers, which includes deposit banking, loans, and advances, export-import financing, inland, and international remittance facility, etc.
67GF Score

Get the complete analysis for DHA:SOUTHEASTB

Owner Earnings per Share (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BDT12.60
Price
BDT10.54
GF Value