United Commercial Bank (DHA:UCB) ROE % Adjusted to Book Value: 3.08% (As of Mar. 2026)


DHA:UCB United Commercial Bank PLC DHA:UCB
70 GF Score
Price BDT9.00
GF Value BDT9.95
Valuation Modestly Undervalued
! 2 Warning Signs
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What is United Commercial Bank ROE % Adjusted to Book Value?

United Commercial Bank DHA:UCB 70 ROE % Adjusted to Book Value is 3.08% as of Mar. 2026. GuruFocus rates DHA:UCB with a GF Score™ of 70/100 and a GF Value™ of BDT9.95 (Modestly Undervalued). The stock has 2 warning signs investors should review.

United Commercial Bank's ROE % for the quarter that ended in Mar. 2026 was 1.14%. United Commercial Bank's PB Ratio for the quarter that ended in Mar. 2026 was 0.37. United Commercial Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 3.08%.


United Commercial Bank ROE % Adjusted to Book Value Related Terms


United Commercial Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for United Commercial Bank's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

United Commercial Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.19 18.50 12.23 0.56 1.50

United Commercial Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value 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 1.40 3.13 7.78 -6.25 3.08

United Commercial Bank ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, United Commercial Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, United Commercial Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where United Commercial Bank's ROE % Adjusted to Book Value falls into.


DHA:UCB
70GF Score
United Commercial Bank PLC DHA:UCB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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United Commercial Bank ROE % Adjusted to Book Value Calculation

United Commercial Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=0.60% / 0.40
=1.50%

United Commercial Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=1.14% / 0.37
=3.08%

* 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.

What does a ROE % Adjusted to Book Value of 3.08% mean?
United Commercial Bank (DHA:UCB) has a ROE % Adjusted to Book Value of 3.08% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on United Commercial Bank and its competitors.
Is United Commercial Bank's ROE % Adjusted to Book Value too high?
United Commercial Bank's current ROE % Adjusted to Book Value is 3.08%. 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 ROE % Adjusted to Book Value compare to competitors?
United Commercial Bank's ROE % Adjusted to Book Value of 3.08% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on United Commercial Bank and its competitors. United Commercial Bank's current ROE % Adjusted to Book Value is 3.08%. 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 BDT9.95, compared to a current price of BDT9.00 — trading 9.5% below its estimated fair value. The current ROE % Adjusted to Book Value is 3.08%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For United Commercial Bank (DHA:UCB), the current ROE % Adjusted to Book Value is 3.08% 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 BDT9.00 is trading 9.5% below its estimated GF Value™ of BDT9.95. GuruFocus considers United Commercial Bank to be Modestly Undervalued.

Key valuation signals for DHA:UCB:

  • ROE % Adjusted to Book Value: 3.08%
  • GF Value™: BDT9.95 vs. price of BDT9.00 (9.5% below fair value)
  • GF Score™: 70/100 with 2 warning signs

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 Business Description

Address Road No. - 34, Gulshan Avenue, Plot - CWS- (A)-1, Bulus Center, Dhaka, BGD, 1212
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

Get the complete analysis for DHA:UCB

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

BDT9.00
Price
BDT9.95
GF Value