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United Commercial BankDHA:UCB +1.11%71 Return-on-Tangible-Equity is 1.17% as of Mar. 2026, which is 87% below its 10-year median of 8.78. GuruFocus rates DHA:UCB with a GF Score™ of 71/100 and a GF Value™ of BDT9.97 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,523 Banks companies, United Commercial Bank ranks worse than 94.35% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. United Commercial Bank's annualized net income for the quarter that ended in Mar. 2026 was BDT455 Mil. United Commercial Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was BDT38,953 Mil. Therefore, United Commercial Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 1.17%.
The historical rank and industry rank for United Commercial Bank's Return-on-Tangible-Equity or its related term are showing as below:
DHA:UCB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.21 Med: 8.78 Max: 10.4
Current: 0.76
During the past 13 years, United Commercial Bank's highest Return-on-Tangible-Equity was 10.40%. The lowest was 0.21%. And the median was 8.78%.
DHA:UCB's Return-on-Tangible-Equity is ranked worse than 94.35% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs DHA:UCB: 0.76
United Commercial Bank (DHA:UCB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
United Commercial Bank Return-on-Tangible-Equity Related Terms
United Commercial Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for United Commercial Bank's Return-on-Tangible-Equity 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.
United Commercial Bank Return-on-Tangible-Equity Chart
United Commercial Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, United Commercial Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, United Commercial Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where United Commercial Bank's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 1.17% mean?
United Commercial Bank (DHA:UCB) has a Return-on-Tangible-Equity of 1.17% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on United Commercial Bank and its competitors. This is 87% below median its historical median of 8.78. Over the past decade, United Commercial Bank's Return-on-Tangible-Equity has ranged from 0.21 to 10.40. According to the industry distribution chart, United Commercial Bank ranks #1437 out of 1523 companies in the Banks industry, placing it in the top 94.4%.
Is United Commercial Bank's Return-on-Tangible-Equity too high?
United Commercial Bank's current Return-on-Tangible-Equity of 1.17% is 87% below median its 10-year median of 8.78. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 10.40. The Banks industry median Return-on-Tangible-Equity is 11.23. United Commercial Bank's value of 1.17% is 89.6% below this industry median. Based on the distribution chart, United Commercial Bank ranks #1437 out of 1523 companies in the Banks industry, which is in the bottom quartile 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 Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, United Commercial Bank ranks #1437 out of 1523 companies for Return-on-Tangible-Equity. This places United Commercial Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.23. United Commercial Bank's value of 1.17% is 89.6% below this benchmark. Historically, United Commercial Bank's own Return-on-Tangible-Equity has ranged from 0.21 to 10.40 over the past decade. While the company's 10-year median is 8.78 vs. the industry median of 11.23, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.23, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Commercial Bank's current Return-on-Tangible-Equity of 1.17% is 89.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on United Commercial Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Commercial Bank's current Return-on-Tangible-Equity is 1.17%, which is 87% below median its own 10-year median of 8.78. 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 BDT9.97, compared to a current price of BDT9.10 — trading 8.7% below its estimated fair value. The current Return-on-Tangible-Equity is 1.17%, which is 87% below median its 10-year median of 8.78 and 89.6% below the Banks industry median of 11.23. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For United Commercial Bank (DHA:UCB), the current Return-on-Tangible-Equity is 1.17% as of Mar. 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 BDT9.10 is trading 8.7% below its estimated GF Value™ of BDT9.97.
GuruFocus considers United Commercial Bank to be Fairly Valued.
Key valuation signals for DHA:UCB:
Return-on-Tangible-Equity: 1.17% (87% below median its 10-year median of 8.78)
GF Value™: BDT9.97 vs. price of BDT9.10 (8.7% below fair value)
Industry Position: 89.6% below the Banks median (#1437 of 1523)
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
Get the complete analysis for DHA:UCB
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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