United Commercial BankDHA:UCB 70 ROA % is 0.05% as of Mar. 2026, which is 92% below its 10-year median of 0.59. GuruFocus rates DHA:UCB with a GF Score™ of 70/100 and a GF Value™ of BDT9.94 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,532 Banks companies, United Commercial Bank ranks worse than 94.65% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. United Commercial Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was BDT455 Mil.
United Commercial Bank's average Total Assets over the quarter that ended in Mar. 2026 was BDT903,092 Mil. Therefore, United Commercial Bank's annualized ROA % for the quarter that ended in Mar. 2026 was 0.05%.
The historical rank and industry rank for United Commercial Bank's ROA % or its related term are showing as below:
DHA:UCB'
s ROA % Range Over the Past 10 Years
Min: 0.01 Med: 0.59 Max: 0.84
Current: 0.03
During the past 13 years, United Commercial Bank's highest ROA % was 0.84%. The lowest was 0.01%. And the median was 0.59%.
DHA:UCB's ROA % is ranked worse than 94.65% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs DHA:UCB: 0.03
United Commercial Bank (DHA:UCB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA % Competitor Comparison
For the Banks - Regional subindustry, United Commercial Bank's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, United Commercial Bank's ROA % distribution charts can be found below:
* The bar in red indicates where United Commercial Bank's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
United Commercial Bank (DHA:UCB) has a ROA % of 0.05% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on United Commercial Bank and its competitors. This is 92% below median its historical median of 0.59. Over the past decade, United Commercial Bank's ROA % has ranged from 0.01 to 0.84. According to the industry distribution chart, United Commercial Bank ranks #1450 out of 1532 companies in the Banks industry, placing it in the top 94.6%.
Is United Commercial Bank's ROA % too high?
United Commercial Bank's current ROA % of 0.05% is 92% below median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.84. The Banks industry median ROA % is 0.98. United Commercial Bank's value of 0.05% is 94.9% below this industry median. Based on the distribution chart, United Commercial Bank ranks #1450 out of 1532 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, United Commercial Bank has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does United Commercial Bank's ROA % compare to competitors?
According to the Banks industry distribution chart, United Commercial Bank ranks #1450 out of 1532 companies for ROA %. This places United Commercial Bank in the lower half of its industry. The industry median ROA % is 0.98. United Commercial Bank's value of 0.05% is 94.9% below this benchmark. Historically, United Commercial Bank's own ROA % has ranged from 0.01 to 0.84 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Commercial Bank's current ROA % of 0.05% is 94.9% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on United Commercial Bank and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Commercial Bank's current ROA % is 0.05%, which is 92% below median its own 10-year median of 0.59. 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 Modestly Undervalued. The stock's GF Value™ is BDT9.94, compared to a current price of BDT8.90 — trading 10.5% below its estimated fair value. The current ROA % is 0.05%, which is 92% below median its 10-year median of 0.59 and 94.9% below the Banks industry median of 0.98. United Commercial Bank's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For United Commercial Bank (DHA:UCB), the current ROA % is 0.05% 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 BDT8.90 is trading 10.5% below its estimated GF Value™ of BDT9.94.
GuruFocus considers United Commercial Bank to be Modestly Undervalued.
Key valuation signals for DHA:UCB:
ROA %: 0.05% (92% below median its 10-year median of 0.59)
GF Value™: BDT9.94 vs. price of BDT8.90 (10.5% below fair value)
Industry Position: 94.9% below the Banks median (#1450 of 1532)
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.
70GF Score
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