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The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, National Credit and Commerce Bank's share price is BDT15.60.
National Credit and Commerce Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was BDT17.17. Hence, National Credit and Commerce Bank's PS Ratio for today is 0.91.
Warning Sign:
National Credit and Commerce Bank PLC stock PS Ratio (=0.91) is close to 2-year high of 0.95.
During the past 11 years, National Credit and Commerce Bank's highest 3-Year average Revenue per Share Growth Rate was 16.30% per year. The lowest was 2.40% per year. And the median was 12.95% per year.
Back to Basics: PS Ratio
National Credit and Commerce Bank (DHA:NCCBANK) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
National Credit and Commerce Bank PS Ratio Related Terms
National Credit and Commerce Bank PS Ratio 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.
National Credit and Commerce Bank PS Ratio Competitor Comparison
For the Banks - Regional subindustry, National Credit and Commerce Bank's PS Ratio, along with its competitors' market caps and PS 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.
National Credit and Commerce Bank PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, National Credit and Commerce Bank's PS Ratio distribution charts can be found below:
* The bar in red indicates where National Credit and Commerce Bank's PS Ratio falls into.
National Credit and Commerce Bank PS Ratio Calculation
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
National Credit and Commerce Bank's Share Price of today is BDT15.60. National Credit and Commerce Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was BDT17.17.
* 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:
National Credit and Commerce Bank (DHA:NCCBANK) has a PS Ratio of 0.91 as of Jul. 25, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on National Credit and Commerce Bank and its competitors. This is 21% below median its historical median of 1.15. Over the past decade, National Credit and Commerce Bank's PS Ratio has ranged from 0.60 to 2.16. According to the industry distribution chart, National Credit and Commerce Bank ranks #113 out of 1511 companies in the Banks industry, placing it in the top 7.5%.
Is National Credit and Commerce Bank's PS Ratio too high?
National Credit and Commerce Bank's current PS Ratio of 0.91 is 21% below median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 2.16. The Banks industry median PS Ratio is 3.04. National Credit and Commerce Bank's value of 0.91 is 70.1% below this industry median. Based on the distribution chart, National Credit and Commerce Bank ranks #113 out of 1511 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Credit and Commerce Bank has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Credit and Commerce Bank's PS Ratio compare to competitors?
According to the Banks industry distribution chart, National Credit and Commerce Bank ranks #113 out of 1511 companies for PS Ratio. This places National Credit and Commerce Bank in the top 8% of its industry — outperforming the majority of peers. The industry median PS Ratio is 3.04. National Credit and Commerce Bank's value of 0.91 is 70.1% below this benchmark. Historically, National Credit and Commerce Bank's own PS Ratio has ranged from 0.60 to 2.16 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 3.04, National Credit and Commerce 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.04, based on 1,511 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Credit and Commerce Bank's current PS Ratio of 0.91 is 70.1% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on National Credit and Commerce Bank and its competitors. For the Banks industry, the median PS Ratio is 3.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Credit and Commerce Bank's current PS Ratio is 0.91, which is 21% below median its own 10-year median of 1.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Credit and Commerce Bank stock overvalued right now?
Based on GuruFocus' analysis, National Credit and Commerce Bank (DHA:NCCBANK) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT13.46, compared to a current price of BDT15.60 — trading 15.9% above its estimated fair value. The current PS Ratio is 0.91, which is 21% below median its 10-year median of 1.15 and 70.1% below the Banks industry median of 3.04. National Credit and Commerce Bank's overall GF Score™ is 78/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For National Credit and Commerce Bank (DHA:NCCBANK), the current PS Ratio is 0.91 as of Jul. 25, 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 National Credit and Commerce Bank (DHA:NCCBANK) Overvalued in 2026?
Based on GuruFocus' analysis, National Credit and Commerce Bank stock appears to be overvalued.
The current stock price of BDT15.60 is trading 15.9% above its estimated GF Value™ of BDT13.46.
GuruFocus considers National Credit and Commerce Bank to be Modestly Overvalued.
Key valuation signals for DHA:NCCBANK:
PS Ratio: 0.91 (21% below median its 10-year median of 1.15)
GF Value™: BDT13.46 vs. price of BDT15.60 (15.9% above fair value)
Industry Position: 70.1% below the Banks median (#113 of 1511)
No single metric tells the full story. See the DHA:NCCBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Credit and Commerce Bank Business Description
National Credit and Commerce Bank PLC is a commercial bank in Bangladesh. The principal activities of the company are loans and deposit services, personal and commercial banking, trade services, and others to the customers. The company offers a range of services such as Retail Banking, Corporate Banking, NRB banking, and E-banking, among others.
78GF Score
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