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United Commercial BankDHA:UCB 71 PB Ratio is 0.38 as of Jul. 22, 2026, which is 24% below its 10-year median of 0.50. GuruFocus rates DHA:UCB with a GF Score™ of 71/100 and a GF Value™ of BDT9.98 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,510 Banks companies, United Commercial Bank ranks better than 93.71% on this metric.
United Commercial Bank PLC stock PB Ratio (=0.35) is close to 10-year low of 0.33.
The historical rank and industry rank for United Commercial Bank's PB Ratio or its related term are showing as below:
DHA:UCB'
s PB Ratio Range Over the Past 10 Years
Min: 0.33 Med: 0.5 Max: 1
Current: 0.38
During the past 13 years, United Commercial Bank's highest PB Ratio was 1.00. The lowest was 0.33. And the median was 0.50.
DHA:UCB's PB Ratio is ranked better than 93.71% of 1510
companies
in the Banks industry
Industry Median: 1.12
vs DHA:UCB: 0.38
During the past 12 months, United Commercial Bank's average Book Value Per Share Growth Rate was 0.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of United Commercial Bank was 47.10% per year. The lowest was 1.40% per year. And the median was 7.55% per year.
Back to Basics: PB Ratio
United Commercial Bank (DHA:UCB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio Competitor Comparison
For the Banks - Regional subindustry, United Commercial Bank's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Commercial Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where United Commercial Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
United Commercial Bank (DHA:UCB) has a PB Ratio of 0.38 as of Jul. 22, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Commercial Bank and its competitors. This is 24% below median its historical median of 0.50. Over the past decade, United Commercial Bank's PB Ratio has ranged from 0.33 to 1.00. According to the industry distribution chart, United Commercial Bank ranks #95 out of 1510 companies in the Banks industry, placing it in the top 6.3%.
Is United Commercial Bank's PB Ratio too high?
United Commercial Bank's current PB Ratio of 0.38 is 24% below median its 10-year median of 0.50. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 1.00. The Banks industry median PB Ratio is 1.12. United Commercial Bank's value of 0.38 is 66.1% below this industry median. Based on the distribution chart, United Commercial Bank ranks #95 out of 1510 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, United Commercial Bank has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Commercial Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, United Commercial Bank ranks #95 out of 1510 companies for PB Ratio. This places United Commercial Bank in the top 6% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.12. United Commercial Bank's value of 0.38 is 66.1% below this benchmark. Historically, United Commercial Bank's own PB Ratio has ranged from 0.33 to 1.00 over the past decade. While the company's 10-year median is 0.50 vs. the industry median of 1.12, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,510 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Commercial Bank's current PB Ratio of 0.38 is 66.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Commercial Bank and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Commercial Bank's current PB Ratio is 0.38, which is 24% below median its own 10-year median of 0.50. 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 Fairly Valued. The stock's GF Value™ is BDT9.98, compared to a current price of BDT9.90 — trading 0.8% below its estimated fair value. The current PB Ratio is 0.38, which is 24% below median its 10-year median of 0.50 and 66.1% below the Banks industry median of 1.12. United Commercial Bank's overall GF Score™ is 71/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For United Commercial Bank (DHA:UCB), the current PB Ratio is 0.38 as of Jul. 22, 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 BDT9.90 is trading 0.8% below its estimated GF Value™ of BDT9.98.
GuruFocus considers United Commercial Bank to be Fairly Valued.
Key valuation signals for DHA:UCB:
PB Ratio: 0.38 (24% below median its 10-year median of 0.50)
GF Value™: BDT9.98 vs. price of BDT9.90 (0.8% below fair value)
Industry Position: 66.1% below the Banks median (#95 of 1510)
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.
71GF Score
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