United Bank (LSE:UBLA) ROC %: % (As of Mar. 2026)


LSE:UBLA United Bank Ltd LSE:UBLA
70 GF Score
Price $1.20
GF Value $0.93
! 3 Warning Signs
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What is United Bank ROC %?

United Bank LSE:UBLA 70 ROC % is % as of Mar. 2026. GuruFocus rates LSE:UBLA with a GF Score™ of 70/100 and a GF Value™ of $0.93. The stock has 3 warning signs investors should review.

ROC %does not apply to banks.

LSE:UBLA
70GF Score
United Bank Ltd LSE:UBLA
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
United Bank (LSE:UBLA) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on United Bank and its competitors.
Is United Bank's ROC % too high?
United Bank's current ROC % is %. Overall, United Bank has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does United Bank's ROC % compare to competitors?
United Bank's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on United Bank and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bank's current ROC % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bank stock overvalued right now?
United Bank (LSE:UBLA) has a current ROC % of %. The stock's GF Value™ is $0.93, compared to a current price of $1.20 — trading 28.5% above its estimated fair value. The current ROC % is %. United Bank's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For United Bank (LSE:UBLA), the current ROC % is % 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 Bank (LSE:UBLA) Overvalued in 2026?

Based on GuruFocus' analysis, United Bank stock appears to be overvalued. The current stock price of $1.20 is trading 28.5% above its estimated GF Value™ of $0.93.

Key valuation signals for LSE:UBLA:

  • ROC %: %
  • GF Value™: $0.93 vs. price of $1.20 (28.5% above fair value)
  • GF Score™: 70/100 with 3 warning signs

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

United Bank Business Description

Other Exchanges UBL:Pakistan
Address I.I. Chundrigar Road, Karachi, PAK, 74000
United Bank Ltd is a commercial banking company. The company's operating segment includes Corporate/Commercial Banking, Treasury, Branch Banking, Islamic Banking, International Branch Operations, and Others. It generates maximum revenue from the Branch Banking segment. The Branch Banking segment includes deposits, lending, and banking services to private individuals and small businesses, including credit cards and branchless banking. Geographically, it derives the majority of its revenue from Pakistan and also has a presence in the Middle East and Export Processing Zones.
70GF Score

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

$1.20
Price
$0.93
GF Value