Mercantile Bank (DHA:MERCANBANK) Retained Earnings: BDT851 Mil (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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DHA:MERCANBANK Mercantile Bank PLC DHA:MERCANBANK
68 GF Score
Price BDT6.90
GF Value BDT7.03
Valuation Fairly Valued
! 3 Warning Signs
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What is Mercantile Bank Retained Earnings?

Mercantile Bank DHA:MERCANBANK -1.43% 68 Retained Earnings is BDT851 Mil as of Jun. 2026. GuruFocus rates DHA:MERCANBANK with a GF Score™ of 68/100 and a GF Value™ of BDT7.03 (Fairly Valued). The stock has 3 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Mercantile Bank's retained earnings for the quarter that ended in Jun. 2026 was BDT851 Mil.

Mercantile Bank's quarterly retained earnings increased from Dec. 2025 (BDT810 Mil) to Mar. 2026 (BDT938 Mil) but then declined from Mar. 2026 (BDT938 Mil) to Jun. 2026 (BDT851 Mil).

Mercantile Bank's annual retained earnings declined from Dec. 2023 (BDT1,459 Mil) to Dec. 2024 (BDT351 Mil) but then increased from Dec. 2024 (BDT351 Mil) to Dec. 2025 (BDT810 Mil).


Mercantile Bank  (DHA:MERCANBANK) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Mercantile Bank Retained Earnings Historical Data

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The historical data trend for Mercantile Bank's Retained Earnings 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.

Mercantile Bank Retained Earnings Chart

Mercantile Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,017.67 1,635.88 1,458.76 350.74 810.29

Mercantile Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Retained Earnings 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 959.39 1,574.31 810.29 938.34 851.06
DHA:MERCANBANK
68GF Score
Mercantile Bank PLC DHA:MERCANBANK
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Mercantile Bank Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of BDT851 Mil mean?
Mercantile Bank (DHA:MERCANBANK) has a Retained Earnings of BDT851 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Mercantile Bank and its competitors.
Is Mercantile Bank's Retained Earnings too high?
Mercantile Bank's current Retained Earnings is BDT851 Mil. Overall, Mercantile Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mercantile Bank's Retained Earnings compare to competitors?
Mercantile Bank's Retained Earnings of BDT851 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Mercantile Bank and its competitors. Mercantile Bank's current Retained Earnings is BDT851 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mercantile Bank stock overvalued right now?
Based on GuruFocus' analysis, Mercantile Bank (DHA:MERCANBANK) is currently considered Fairly Valued. The stock's GF Value™ is BDT7.03, compared to a current price of BDT6.90 — trading 1.8% below its estimated fair value. The current Retained Earnings is BDT851 Mil. Mercantile Bank's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Mercantile Bank (DHA:MERCANBANK), the current Retained Earnings is BDT851 Mil 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 Mercantile Bank (DHA:MERCANBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Mercantile Bank stock appears to be undervalued. The current stock price of BDT6.90 is trading 1.8% below its estimated GF Value™ of BDT7.03. GuruFocus considers Mercantile Bank to be Fairly Valued.

Key valuation signals for DHA:MERCANBANK:

  • Retained Earnings: BDT851 Mil
  • GF Value™: BDT7.03 vs. price of BDT6.90 (1.8% below fair value)
  • GF Score™: 68/100 with 3 warning signs

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


Mercantile Bank Business Description

Address 61, Dilkusha Commercial Area, Dhaka, BGD
Mercantile Bank PLC is a commercial bank that engages in providing banking and financial services. It offers a range of services such as SME financing, Retail Banking, Corporate Banking, Foreign Trade, NRB banking, Treasury instruments services, and E-banking, among others. Its operating segments comprise Commercial Banking including Off-shore Banking Units, Islamic Banking Window Operations, Mercantile Bank Securities Limited; MBL Assets Management Limited, and Mercantile Exchange House (UK) Ltd.
68GF Score

Get the complete analysis for DHA:MERCANBANK

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

BDT6.90
Price
BDT7.03
GF Value