United Commercial Bank PLC

DSE:UCB Stock Report

Market Cap: ৳14.1b

United Commercial Bank Past Earnings Performance

Past criteria checks 1/6

United Commercial Bank's earnings have been declining at an average annual rate of -0.9%, while the Banks industry saw earnings growing at 8.9% annually. Revenues have been growing at an average rate of 11.5% per year. United Commercial Bank's return on equity is 6.5%, and it has net margins of 9.2%.

Key information

-0.9%

Earnings growth rate

-0.2%

EPS growth rate

Banks Industry Growth8.5%
Revenue growth rate11.5%
Return on equity6.5%
Net Margin9.2%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How United Commercial Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DSE:UCB Revenue, expenses and earnings (BDT Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2429,8722,74716,3930
30 Jun 2430,4392,51816,0820
31 Mar 2428,1472,36715,9730
31 Dec 2327,1752,19815,3260
30 Sep 2326,6183,12115,0340
30 Jun 2325,3703,04614,7130
31 Mar 2325,4783,43114,4320
31 Dec 2224,0833,29914,1110
30 Sep 2223,5732,28414,7530
30 Jun 2223,3602,46114,1110
31 Mar 2222,3652,35713,3670
31 Dec 2122,1742,50712,8760
30 Sep 2121,3713,28611,2360
30 Jun 2120,8063,31410,9170
31 Mar 2119,1033,04410,3080
31 Dec 2019,3842,94910,7250
30 Sep 2018,7672,65211,0290
30 Jun 2017,8382,57510,0760
31 Mar 2018,4582,81310,1930
31 Dec 1917,8542,85810,0190
30 Sep 1916,8472,5999,9890
30 Jun 1916,7052,71410,7210
31 Mar 1916,2742,76910,8450
31 Dec 1815,7752,5029,9680
30 Sep 1815,6401,9709,6700
30 Jun 1816,0002,5189,0560
31 Mar 1816,3722,9438,3740
31 Dec 1715,8042,7228,6390
30 Sep 1715,4473,1978,2080
30 Jun 1714,7242,6498,1950
31 Mar 1714,3132,2948,3170
31 Dec 1614,3362,6287,8730
30 Sep 1615,3153,5297,7180
30 Jun 1614,5343,2347,2990
31 Mar 1614,5173,6416,7330
31 Dec 1514,7074,0166,3140
30 Sep 1513,9033,8796,2360
30 Jun 1514,0673,8376,2470
31 Mar 1514,0463,5536,0310
31 Dec 1413,7953,7005,6810
30 Sep 1414,1283,9135,3900
30 Jun 1413,4623,9514,9440
31 Mar 1413,9045,0324,7450
31 Dec 1311,3293,0694,4040

Quality Earnings: UCB has high quality earnings.

Growing Profit Margin: UCB's current net profit margins (9.2%) are lower than last year (11.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: UCB's earnings have declined by 0.9% per year over the past 5 years.

Accelerating Growth: UCB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: UCB had negative earnings growth (-12%) over the past year, making it difficult to compare to the Banks industry average (11%).

Return on Equity

High ROE: UCB's Return on Equity (6.5%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/21 13:55
End of Day Share Price 2024/12/19 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

United Commercial Bank PLC is covered by 2 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Asif KhanEDGE Research & Consulting
Rahul ShahTellimer Research