The historical rank and industry rank for Prime Commercial Bank's ROE % or its related term are showing as below:
XNEP:PCBL'
s ROE % Range Over the Past 10 Years
Min: 3.79 Med: 13.93 Max: 22.67
Current: 14.34
During the past 13 years, Prime Commercial Bank's highest ROE % was 22.67%. The lowest was 3.79%. And the median was 13.93%.
XNEP:PCBL's ROE % is ranked better than 77.44% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs XNEP:PCBL: 14.34
Prime Commercial Bank (XNEP:PCBL) 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 (Apr. 2026) net income data. The Revenue data used here is four times the quarterly (Apr. 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.
For the Banks - Regional subindustry, Prime 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.
Prime Commercial Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Prime Commercial Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Prime 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 (Apr. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Prime Commercial Bank (XNEP:PCBL) has a ROE % of 11.85% as of Apr. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Prime Commercial Bank and its competitors. This is 15% below median its historical median of 13.93. Over the past decade, Prime Commercial Bank's ROE % has ranged from 3.79 to 22.67. According to the industry distribution chart, Prime Commercial Bank ranks #344 out of 1525 companies in the Banks industry, placing it in the top 22.6%.
Is Prime Commercial Bank's ROE % too high?
Prime Commercial Bank's current ROE % of 11.85% is 15% below median its 10-year median of 13.93. Over the past 10 years, this metric has ranged from a low of 3.79 to a high of 22.67. The Banks industry median ROE % is 10.22. Prime Commercial Bank's value of 11.85% is 15.9% above this industry median. Based on the distribution chart, Prime Commercial Bank ranks #344 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Prime Commercial Bank has a GF Score™ of 95/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Prime Commercial Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, Prime Commercial Bank ranks #344 out of 1525 companies for ROE %. This places Prime Commercial Bank in the top 23% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Prime Commercial Bank's value of 11.85% is 15.9% above this benchmark. Historically, Prime Commercial Bank's own ROE % has ranged from 3.79 to 22.67 over the past decade. While the company's 10-year median is 13.93 vs. the industry median of 10.22, Prime Commercial 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 1,525 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. Prime Commercial Bank's current ROE % of 11.85% is 15.9% 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 Prime Commercial 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. Prime Commercial Bank's current ROE % is 11.85%, which is 15% below median its own 10-year median of 13.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Prime Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Prime Commercial Bank (XNEP:PCBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR258.09, compared to a current price of NPR234.00 — trading 9.3% below its estimated fair value. The current ROE % is 11.85%, which is 15% below median its 10-year median of 13.93 and 15.9% above the Banks industry median of 10.22. Prime Commercial Bank's overall GF Score™ is 95/100 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 Prime Commercial Bank (XNEP:PCBL), the current ROE % is 11.85% as of Apr. 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 Prime Commercial Bank (XNEP:PCBL) Overvalued in 2026?
Based on GuruFocus' analysis, Prime Commercial Bank stock appears to be undervalued.
The current stock price of NPR234.00 is trading 9.3% below its estimated GF Value™ of NPR258.09.
GuruFocus considers Prime Commercial Bank to be Fairly Valued.
Key valuation signals for XNEP:PCBL:
ROE %: 11.85% (15% below median its 10-year median of 13.93)
GF Value™: NPR258.09 vs. price of NPR234.00 (9.3% below fair value)
Industry Position: 15.9% above the Banks median (#344 of 1525)
No single metric tells the full story. See the XNEP:PCBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Prime Commercial Bank Ltd is a commercial bank in Nepal. The company's operating segment includes Banking Operation; Treasury; Card and Others. It generates maximum revenue from the Banking Operation segment. The company is engaged in providing personal banking, business banking, retail banking and other services including SMS banking, E-Banking services, and other remittance services.
95GF Score
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