Mutual Trust BankDHA:MTB +2.36%88 ROE % is 11.63% as of Mar. 2026, which is 8% below its 10-year median of 12.68. GuruFocus rates DHA:MTB with a GF Score™ of 88/100 and a GF Value™ of BDT11.61 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,524 Banks companies, Mutual Trust Bank ranks better than 62.01% on this metric.
The historical rank and industry rank for Mutual Trust Bank's ROE % or its related term are showing as below:
DHA:MTB'
s ROE % Range Over the Past 10 Years
Min: 5.83 Med: 12.68 Max: 18.35
Current: 11.87
During the past 13 years, Mutual Trust Bank's highest ROE % was 18.35%. The lowest was 5.83%. And the median was 12.68%.
DHA:MTB's ROE % is ranked better than 62.01% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs DHA:MTB: 11.87
Mutual Trust Bank (DHA:MTB) 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:
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. 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.
Mutual Trust Bank ROE % Related Terms
Mutual Trust Bank ROE % Historical Data
* Premium members only.
The historical data trend for Mutual Trust 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.
For the Banks - Regional subindustry, Mutual Trust 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.
Mutual Trust Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Mutual Trust Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Mutual Trust Bank's ROE % 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 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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Mutual Trust Bank (DHA:MTB) has a ROE % of 11.63% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Mutual Trust Bank and its competitors. This is near median its historical median of 12.68. Over the past decade, Mutual Trust Bank's ROE % has ranged from 5.83 to 18.35. According to the industry distribution chart, Mutual Trust Bank ranks #579 out of 1524 companies in the Banks industry, placing it in the top 38%.
Is Mutual Trust Bank's ROE % too high?
Mutual Trust Bank's current ROE % of 11.63% is near median its 10-year median of 12.68. Over the past 10 years, this metric has ranged from a low of 5.83 to a high of 18.35. The Banks industry median ROE % is 10.22. Mutual Trust Bank's value of 11.63% is 13.8% above this industry median. Based on the distribution chart, Mutual Trust Bank ranks #579 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Mutual Trust Bank has a GF Score™ of 88/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mutual Trust Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, Mutual Trust Bank ranks #579 out of 1524 companies for ROE %. This puts Mutual Trust Bank in the upper half of its industry. The industry median ROE % is 10.22. Mutual Trust Bank's value of 11.63% is 13.8% above this benchmark. Historically, Mutual Trust Bank's own ROE % has ranged from 5.83 to 18.35 over the past decade. While the company's 10-year median is 12.68 vs. the industry median of 10.22, Mutual Trust Bank has consistently been above 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 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. Mutual Trust Bank's current ROE % of 11.63% is 13.8% above 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 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 Mutual Trust Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mutual Trust Bank's current ROE % is 11.63%, which is near median its own 10-year median of 12.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mutual Trust Bank stock overvalued right now?
Based on GuruFocus' analysis, Mutual Trust Bank (DHA:MTB) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT11.61, compared to a current price of BDT13.00 — trading 12% above its estimated fair value. The current ROE % is 11.63%, which is near median its 10-year median of 12.68 and 13.8% above the Banks industry median of 10.22. Mutual Trust Bank's overall GF Score™ is 88/100 with 6 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 Mutual Trust Bank (DHA:MTB), the current ROE % is 11.63% 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 Mutual Trust Bank (DHA:MTB) Overvalued in 2026?
Based on GuruFocus' analysis, Mutual Trust Bank stock appears to be overvalued.
The current stock price of BDT13.00 is trading 12% above its estimated GF Value™ of BDT11.61.
GuruFocus considers Mutual Trust Bank to be Modestly Overvalued.
Key valuation signals for DHA:MTB:
ROE %: 11.63% (near median its 10-year median of 12.68)
GF Value™: BDT11.61 vs. price of BDT13.00 (12% above fair value)
Industry Position: 13.8% above the Banks median (#579 of 1524)
No single metric tells the full story. See the DHA:MTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mutual Trust Bank PLC is a company that engages in the provision of various commercial banking and related services. Its products and services include savings and current accounts, and fixed deposits; personal, auto, home, home equity, and professional's loan products; overdraft facilities; credit cards; and locker services. The company's reportable segments include DBO (Domestic Banking Operation), OBU (Offshore Banking Unit), MTB Securities Limited, and MTB Capital Limited.
88GF Score
Get the complete analysis for DHA:MTB
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
DHA:MTB has been successfully added to your 
