Uttara BankDHA:UTTARABANK 73 ROE % is 16.24% as of Mar. 2026, which is 28% above its 10-year median of 12.65. GuruFocus rates DHA:UTTARABANK with a GF Score™ of 73/100 and a GF Value™ of BDT21.04 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,528 Banks companies, Uttara Bank ranks better than 92.41% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Uttara Bank's annualized net income for the quarter that ended in Mar. 2026 was BDT5,142 Mil. Uttara Bank's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was BDT31,671 Mil. Therefore, Uttara Bank's annualized ROE % for the quarter that ended in Mar. 2026 was 16.24%.
The historical rank and industry rank for Uttara Bank's ROE % or its related term are showing as below:
DHA:UTTARABANK'
s ROE % Range Over the Past 10 Years
Min: 11.22 Med: 12.65 Max: 20.52
Current: 20.32
During the past 13 years, Uttara Bank's highest ROE % was 20.52%. The lowest was 11.22%. And the median was 12.65%.
DHA:UTTARABANK's ROE % is ranked better than 92.41% of 1528
companies
in the Banks industry
Industry Median: 10.225
vs DHA:UTTARABANK: 20.32
Uttara Bank (DHA:UTTARABANK) 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.
Uttara Bank ROE % Related Terms
Uttara Bank ROE % Historical Data
* Premium members only.
The historical data trend for Uttara 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, Uttara 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.
Uttara Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Uttara Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Uttara 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.
Uttara Bank (DHA:UTTARABANK) has a ROE % of 16.24% 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 Uttara Bank and its competitors. This is 28% above median its historical median of 12.65. Over the past decade, Uttara Bank's ROE % has ranged from 11.22 to 20.52. According to the industry distribution chart, Uttara Bank ranks #116 out of 1528 companies in the Banks industry, placing it in the top 7.6%.
Is Uttara Bank's ROE % too high?
Uttara Bank's current ROE % of 16.24% is 28% above median its 10-year median of 12.65. Over the past 10 years, this metric has ranged from a low of 11.22 to a high of 20.52. The Banks industry median ROE % is 10.23. Uttara Bank's value of 16.24% is 58.8% above this industry median. Based on the distribution chart, Uttara Bank ranks #116 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Uttara Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Uttara Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, Uttara Bank ranks #116 out of 1528 companies for ROE %. This places Uttara Bank in the top 8% of its industry — outperforming the majority of peers. The industry median ROE % is 10.23. Uttara Bank's value of 16.24% is 58.8% above this benchmark. Historically, Uttara Bank's own ROE % has ranged from 11.22 to 20.52 over the past decade. While the company's 10-year median is 12.65 vs. the industry median of 10.23, Uttara 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 10.23, 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. Uttara Bank's current ROE % of 16.24% is 58.8% 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 Uttara 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. Uttara Bank's current ROE % is 16.24%, which is 28% above median its own 10-year median of 12.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Uttara Bank stock overvalued right now?
Based on GuruFocus' analysis, Uttara Bank (DHA:UTTARABANK) is currently considered Fairly Valued. The stock's GF Value™ is BDT21.04, compared to a current price of BDT21.50 — trading 2.2% above its estimated fair value. The current ROE % is 16.24%, which is 28% above median its 10-year median of 12.65 and 58.8% above the Banks industry median of 10.23. Uttara Bank's overall GF Score™ is 73/100 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 Uttara Bank (DHA:UTTARABANK), the current ROE % is 16.24% 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 Uttara Bank (DHA:UTTARABANK) Overvalued in 2026?
Based on GuruFocus' analysis, Uttara Bank stock appears to be overvalued.
The current stock price of BDT21.50 is trading 2.2% above its estimated GF Value™ of BDT21.04.
GuruFocus considers Uttara Bank to be Fairly Valued.
Key valuation signals for DHA:UTTARABANK:
ROE %: 16.24% (28% above median its 10-year median of 12.65)
GF Value™: BDT21.04 vs. price of BDT21.50 (2.2% above fair value)
Industry Position: 58.8% above the Banks median (#116 of 1528)
No single metric tells the full story. See the DHA:UTTARABANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Uttara Bank PLC is a commercial bank. The principal activities of the Bank are to provide all kinds of commercial banking services to its customers through its branches/sub-branches/ATM booths etc. in Bangladesh.
73GF Score
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