National Credit and Commerce Bank (DHA:NCCBANK) GF Value Rank: 6 (As of Aug. 24, 2026) — 33% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

DHA:NCCBANK National Credit and Commerce Bank PLC DHA:NCCBANK
77 GF Score
Price BDT15.10
GF Value BDT13.37
Valuation Modestly Overvalued
! 5 Warning Signs
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What is National Credit and Commerce Bank GF Value Rank?

National Credit and Commerce Bank DHA:NCCBANK -0.66% 77 GF Value Rank is 6 as of Aug. 24, 2026, which is 33% below its 10-year median of 9.00. GuruFocus rates DHA:NCCBANK with a GF Score™ of 77/100 and a GF Value™ of BDT13.37 (Modestly Overvalued). The stock has 5 warning signs investors should review.

National Credit and Commerce Bank has the GF Value Rank of 6.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

National Credit and Commerce Bank GF Value Rank Related Terms

National Credit and Commerce Bank GF Value Rank Competitor Comparison

For the Banks - Regional subindustry, National Credit and Commerce Bank's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, National Credit and Commerce Bank's GF Value Rank distribution charts can be found below:

* The bar in red indicates where National Credit and Commerce Bank's GF Value Rank falls into.


DHA:NCCBANK
77GF Score
National Credit and Commerce Bank PLC DHA:NCCBANK
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 6 mean?
National Credit and Commerce Bank (DHA:NCCBANK) has a GF Value Rank of 6 as of Aug. 24, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on National Credit and Commerce Bank and its competitors. This is 33% below median its historical median of 9.00. Over the past decade, National Credit and Commerce Bank's GF Value Rank has ranged from 3.00 to 10.00.
Is National Credit and Commerce Bank's GF Value Rank too high?
National Credit and Commerce Bank's current GF Value Rank of 6 is 33% below median its 10-year median of 9.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 10.00. Overall, National Credit and Commerce Bank has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Credit and Commerce Bank's GF Value Rank compare to competitors?
National Credit and Commerce Bank's GF Value Rank of 6 can be compared against companies in the Banks industry. Historically, National Credit and Commerce Bank's own GF Value Rank has ranged from 3.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on National Credit and Commerce Bank and its competitors. National Credit and Commerce Bank's current GF Value Rank is 6, which is 33% below median its own 10-year median of 9.00. 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 BDT13.37, compared to a current price of BDT15.10 — trading 12.9% above its estimated fair value. The current GF Value Rank is 6, which is 33% below median its 10-year median of 9.00. National Credit and Commerce Bank's overall GF Score™ is 77/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For National Credit and Commerce Bank (DHA:NCCBANK), the current GF Value Rank is 6 as of Aug. 24, 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 BDT15.10 is trading 12.9% above its estimated GF Value™ of BDT13.37. GuruFocus considers National Credit and Commerce Bank to be Modestly Overvalued.

Key valuation signals for DHA:NCCBANK:

  • GF Value Rank: 6 (33% below median its 10-year median of 9.00)
  • GF Value™: BDT13.37 vs. price of BDT15.10 (12.9% above fair value)
  • GF Score™: 77/100 with 5 warning signs

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

Address 13/1 - 13/2, Toyenbee Circular Road, Motijheel Commercial Area, NCC Bank Bhaban, Dhaka, BGD, 1000
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.
77GF Score

Get the complete analysis for DHA:NCCBANK

GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BDT15.10
Price
BDT13.37
GF Value