Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Trust BankDHA:TRUSTBANK +0.64%73 ROE % is 3.76% as of Mar. 2026, which is 74% below its 10-year median of 14.56. GuruFocus rates DHA:TRUSTBANK with a GF Score™ of 73/100 and a GF Value™ of BDT21.77 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,528 Banks companies, Trust Bank ranks better than 63.61% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Trust Bank's annualized net income for the quarter that ended in Mar. 2026 was BDT1,078 Mil. Trust Bank's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was BDT28,686 Mil. Therefore, Trust Bank's annualized ROE % for the quarter that ended in Mar. 2026 was 3.76%.
The historical rank and industry rank for Trust Bank's ROE % or its related term are showing as below:
DHA:TRUSTBANK'
s ROE % Range Over the Past 10 Years
Min: 11.03 Med: 14.56 Max: 19.77
Current: 12.08
During the past 11 years, Trust Bank's highest ROE % was 19.77%. The lowest was 11.03%. And the median was 14.56%.
DHA:TRUSTBANK's ROE % is ranked better than 63.61% of 1528
companies
in the Banks industry
Industry Median: 10.225
vs DHA:TRUSTBANK: 12.08
Trust Bank (DHA:TRUSTBANK) 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.
Trust Bank ROE % Related Terms
Trust Bank ROE % Historical Data
* Premium members only.
The historical data trend for 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, 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.
Trust Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Trust Bank's ROE % distribution charts can be found below:
* The bar in red indicates where 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.
Trust Bank (DHA:TRUSTBANK) has a ROE % of 3.76% 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 Trust Bank and its competitors. This is 74% below median its historical median of 14.56. Over the past decade, Trust Bank's ROE % has ranged from 11.03 to 19.77. According to the industry distribution chart, Trust Bank ranks #556 out of 1528 companies in the Banks industry, placing it in the top 36.4%.
Is Trust Bank's ROE % too high?
Trust Bank's current ROE % of 3.76% is 74% below median its 10-year median of 14.56. Over the past 10 years, this metric has ranged from a low of 11.03 to a high of 19.77. The Banks industry median ROE % is 10.23. Trust Bank's value of 3.76% is 63.2% below this industry median. Based on the distribution chart, Trust Bank ranks #556 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Trust Bank has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Trust Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, Trust Bank ranks #556 out of 1528 companies for ROE %. This puts Trust Bank in the upper half of its industry. The industry median ROE % is 10.23. Trust Bank's value of 3.76% is 63.2% below this benchmark. Historically, Trust Bank's own ROE % has ranged from 11.03 to 19.77 over the past decade. While the company's 10-year median is 14.56 vs. the industry median of 10.23, Trust 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,528 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. Trust Bank's current ROE % of 3.76% is 63.2% 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 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 Trust 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. Trust Bank's current ROE % is 3.76%, which is 74% below median its own 10-year median of 14.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trust Bank stock overvalued right now?
Based on GuruFocus' analysis, Trust Bank (DHA:TRUSTBANK) is currently considered Modestly Undervalued. The stock's GF Value™ is BDT21.77, compared to a current price of BDT15.80 — trading 27.4% below its estimated fair value. The current ROE % is 3.76%, which is 74% below median its 10-year median of 14.56 and 63.2% below the Banks industry median of 10.23. Trust Bank's overall GF Score™ is 73/100 with 1 warning sign 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 Trust Bank (DHA:TRUSTBANK), the current ROE % is 3.76% 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 Trust Bank (DHA:TRUSTBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Trust Bank stock appears to be undervalued.
The current stock price of BDT15.80 is trading 27.4% below its estimated GF Value™ of BDT21.77.
GuruFocus considers Trust Bank to be Modestly Undervalued.
Key valuation signals for DHA:TRUSTBANK:
ROE %: 3.76% (74% below median its 10-year median of 14.56)
GF Value™: BDT21.77 vs. price of BDT15.80 (27.4% below fair value)
Industry Position: 63.2% below the Banks median (#556 of 1528)
No single metric tells the full story. See the DHA:TRUSTBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Trust Bank PLC is a full-service commercial bank. The Bank offers a wide range of banking products and services, such as Retail banking, SME banking, Islamic banking, corporate banking, and international banking, among others. The bank provides a range of banking services that include deposit banking, loans & advances, export-import financing, and national & international remittance facilities, issuing debit and credit cards, SMS banking, internet banking, call center, dealing in government securities, etc.
73GF Score
Get the complete analysis for DHA:TRUSTBANK
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:TRUSTBANK has been successfully added to your 
