The historical rank and industry rank for United Commercial Bank's ROE % or its related term are showing as below:
DHA:UCB'
s ROE % Range Over the Past 10 Years
Min: 0.2 Med: 8.52 Max: 10.33
Current: 0.76
During the past 13 years, United Commercial Bank's highest ROE % was 10.33%. The lowest was 0.20%. And the median was 8.52%.
DHA:UCB's ROE % is ranked worse than 94.11% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs DHA:UCB: 0.76
United Commercial Bank (DHA:UCB) 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.
* 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 % Competitor Comparison
For the Banks - Regional subindustry, United Commercial 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.
United Commercial Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, United Commercial Bank's ROE % distribution charts can be found below:
* The bar in red indicates where United Commercial 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.
United Commercial Bank (DHA:UCB) has a ROE % of 1.14% 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 United Commercial Bank and its competitors. This is 87% below median its historical median of 8.52. Over the past decade, United Commercial Bank's ROE % has ranged from 0.20 to 10.33. According to the industry distribution chart, United Commercial Bank ranks #1437 out of 1527 companies in the Banks industry, placing it in the top 94.1%.
Is United Commercial Bank's ROE % too high?
United Commercial Bank's current ROE % of 1.14% is 87% below median its 10-year median of 8.52. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 10.33. The Banks industry median ROE % is 10.23. United Commercial Bank's value of 1.14% is 88.9% below this industry median. Based on the distribution chart, United Commercial Bank ranks #1437 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 % compare to competitors?
According to the Banks industry distribution chart, United Commercial Bank ranks #1437 out of 1527 companies for ROE %. This places United Commercial Bank in the lower half of its industry. The industry median ROE % is 10.23. United Commercial Bank's value of 1.14% is 88.9% below this benchmark. Historically, United Commercial Bank's own ROE % has ranged from 0.20 to 10.33 over the past decade. While the company's 10-year median is 8.52 vs. the industry median of 10.23, United Commercial 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 1,527 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. United Commercial Bank's current ROE % of 1.14% is 88.9% 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 United Commercial 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. United Commercial Bank's current ROE % is 1.14%, which is 87% below median its own 10-year median of 8.52. 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 BDT9.94, compared to a current price of BDT8.90 — trading 10.5% below its estimated fair value. The current ROE % is 1.14%, which is 87% below median its 10-year median of 8.52 and 88.9% below the Banks industry median of 10.23. 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 % calculated?
ROE % is calculated from a company's financial statements. For United Commercial Bank (DHA:UCB), the current ROE % is 1.14% 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 BDT8.90 is trading 10.5% below its estimated GF Value™ of BDT9.94.
GuruFocus considers United Commercial Bank to be Modestly Undervalued.
Key valuation signals for DHA:UCB:
ROE %: 1.14% (87% below median its 10-year median of 8.52)
GF Value™: BDT9.94 vs. price of BDT8.90 (10.5% below fair value)
Industry Position: 88.9% below the Banks median (#1437 of 1527)
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 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
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