First Security Islami Bank (DHA:FIRSTSBANK) ROE %: -527.18% (As of Jun. 2025)


DHA:FIRSTSBANK First Security Islami Bank PLC DHA:FIRSTSBANK
58 GF Score
Price BDT8.20
GF Value BDT9.45
Valuation Modestly Undervalued
! 5 Warning Signs
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What is First Security Islami Bank ROE %?

First Security Islami Bank DHA:FIRSTSBANK 58 ROE % is -527.18% as of Jun. 2025. GuruFocus rates DHA:FIRSTSBANK with a GF Score™ of 58/100 and a GF Value™ of BDT9.45 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, First Security Islami Bank ranks worse than 99.8% on this metric.

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. First Security Islami Bank's annualized net income for the quarter that ended in Jun. 2025 was BDT-44,672.27 Mil. First Security Islami Bank's average Total Stockholders Equity over the quarter that ended in Jun. 2025 was BDT8,473.89 Mil. Therefore, First Security Islami Bank's annualized ROE % for the quarter that ended in Jun. 2025 was -527.18%.

The historical rank and industry rank for First Security Islami Bank's ROE % or its related term are showing as below:

DHA:FIRSTSBANK' s ROE % Range Over the Past 10 Years
Min: -124.76   Med: 13.78   Max: 17.47
Current: -124.76

During the past 11 years, First Security Islami Bank's highest ROE % was 17.47%. The lowest was -124.76%. And the median was 13.78%.

DHA:FIRSTSBANK's ROE % is ranked worse than
99.8% of 1527 companies
in the Banks industry
Industry Median: 10.23 vs DHA:FIRSTSBANK: -124.76

First Security Islami Bank  (DHA:FIRSTSBANK) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Jun. 2025 )
=Net Income/Total Stockholders Equity
=-44672.268/8473.893
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(-44672.268 / -35851.136)*(-35851.136 / 679576.8575)*(679576.8575 / 8473.893)
=Net Margin %*Asset Turnover*Equity Multiplier
=124.6 %*-0.0528*80.1965
=ROA %*Equity Multiplier
=-6.58 %*80.1965
=-527.18 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Jun. 2025 )
=Net Income/Total Stockholders Equity
=-44672.268/8473.893
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (-44672.268 / -44809.072) * (-44809.072 / -35851.136) * (-35851.136 / 679576.8575) * (679576.8575 / 8473.893)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 0.9969 * 124.99 % * -0.0528 * 80.1965
=-527.18 %

Note: The net income data used here is four times the quarterly (Jun. 2025) net income data. The Revenue data used here is four times the quarterly (Jun. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* 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

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.


First Security Islami Bank ROE % Related Terms


First Security Islami Bank ROE % Historical Data

* Premium members only.

The historical data trend for First Security Islami Bank's ROE % 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.

First Security Islami Bank ROE % Chart

First Security Islami Bank Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.79 17.47 13.80 13.87 -18.06

First Security Islami Bank Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25
ROE % 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 8.26 -4.94 -82.71 -135.89 -527.18

First Security Islami Bank ROE % Competitor Comparison

For the Banks - Regional subindustry, First Security Islami Bank's ROE %, along with its competitors' market caps and ROE % 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.


First Security Islami Bank ROE % vs Banks Industry

For the Banks industry and Financial Services sector, First Security Islami Bank's ROE % distribution charts can be found below:

* The bar in red indicates where First Security Islami Bank's ROE % falls into.


DHA:FIRSTSBANK
58GF Score
First Security Islami Bank PLC DHA:FIRSTSBANK
ROE % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Security Islami Bank ROE % Calculation

First Security Islami Bank's annualized ROE % for the fiscal year that ended in Dec. 2024 is calculated as

ROE %=Net Income (A: Dec. 2024 )/( (Total Stockholders Equity (A: Dec. 2023 )+Total Stockholders Equity (A: Dec. 2024 ))/ count )
=-4047.006/( (25009.907+19811.234)/ 2 )
=-4047.006/22410.5705
=-18.06 %

First Security Islami Bank's annualized ROE % for the quarter that ended in Jun. 2025 is calculated as

ROE %=Net Income (Q: Jun. 2025 )/( (Total Stockholders Equity (Q: Mar. 2025 )+Total Stockholders Equity (Q: Jun. 2025 ))/ count )
=-44672.268/( (14057.926+2889.86)/ 2 )
=-44672.268/8473.893
=-527.18 %

* 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Jun. 2025) net income data. ROE % is displayed in the 30-year financial page.

Frequently Asked Questions Learn more about ROE % →
What does a ROE % of -527.18% mean?
First Security Islami Bank (DHA:FIRSTSBANK) has a ROE % of -527.18% as of Jun. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First Security Islami Bank and its competitors. According to the industry distribution chart, First Security Islami Bank ranks #1524 out of 1527 companies in the Banks industry, placing it in the top 99.8%.
Is First Security Islami Bank's ROE % too high?
First Security Islami Bank's current ROE % is -527.18%. Based on the distribution chart, First Security Islami Bank ranks #1524 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Security Islami Bank has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Security Islami Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, First Security Islami Bank ranks #1524 out of 1527 companies for ROE %. This places First Security Islami Bank in the lower half of its industry. The industry median ROE % is 10.23. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % 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 % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First Security Islami Bank and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Security Islami Bank's current ROE % is -527.18%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Security Islami Bank stock overvalued right now?
Based on GuruFocus' analysis, First Security Islami Bank (DHA:FIRSTSBANK) is currently considered Modestly Undervalued. The stock's GF Value™ is BDT9.45, compared to a current price of BDT8.20 — trading 13.2% below its estimated fair value. The current ROE % is -527.18%. First Security Islami Bank's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For First Security Islami Bank (DHA:FIRSTSBANK), the current ROE % is -527.18% as of Jun. 2025. 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 First Security Islami Bank (DHA:FIRSTSBANK) Overvalued in 2026?

Based on GuruFocus' analysis, First Security Islami Bank stock appears to be undervalued. The current stock price of BDT8.20 is trading 13.2% below its estimated GF Value™ of BDT9.45. GuruFocus considers First Security Islami Bank to be Modestly Undervalued.

Key valuation signals for DHA:FIRSTSBANK:

  • ROE %: -527.18%
  • GF Value™: BDT9.45 vs. price of BDT8.20 (13.2% below fair value)
  • GF Score™: 58/100 with 5 warning signs

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


First Security Islami Bank Business Description

Address Rangs RD Center, Block: SE (F), Plot:03, Gulshan Avenue, Gulshan - 1, Dhaka, BGD, 1212
First Security Islami Bank PLC is a commercial bank. The bank's activities include accepting deposits, making loans, discounting bills, conducting money transfers and foreign exchange transactions, and performing other services. The company mainly focuses on deposit mobilization and investing activities comprising short-term, long-term, import, and export financing. The company invests in rural and agriculture, garments, jute, cement and bricks, tannery, steel and engineering, food and beverage, chemical and pharmaceuticals, printing and packaging, glass, and ceramics.
58GF Score

Get the complete analysis for DHA:FIRSTSBANK

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

BDT8.20
Price
BDT9.45
GF Value