How does NTB.X0000's PE Ratio compare to its peers?

NTB.X0000 is good value based on its Price-To-Earnings Ratio (4x) compared to the peer average (5.5x).

How does NTB.X0000's PE Ratio compare vs other companies in the Asian Banks Industry?

NTB.X0000 is good value based on its Price-To-Earnings Ratio (4x) compared to the Asian Banks industry average (8.7x).

What is NTB.X0000's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate NTB.X0000's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of NTB.X0000 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

NTB.X0000 (LKR219.75) is trading above our estimate of [[fair value]] (LKR125.34)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

NTB.X0000 Stock Overview

Provides various banking products and services for individuals, small and medium enterprises (SMEs), and corporates in Sri Lanka. More details

NTB.X0000 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	4/6
Financial Health	4/6
Dividends	3/6

Rewards

Price-To-Earnings ratio (4x) is below the LK market (9.4x)

Earnings grew by 24.8% over the past year

Risk Analysis

Highly volatile share price over the past 3 months compared to the LK market

My Notes

Capture your thoughts, links and company narrative

Nations Trust Bank PLC Competitors

DFCC Bank

COSE:DFCC.N0000

LK₨39.5b

Seylan Bank

COSE:SEYB.N0000

LK₨36.7b

National Development Bank

COSE:NDB.N0000

LK₨37.7b

Sampath Bank

COSE:SAMP.N0000

LK₨126.1b

Price History & Performance

Summary of share price highs, lows and changes for Nations Trust Bank
Historical stock prices
Current Share Price	LK₨219.75
52 Week High	LK₨224.00
52 Week Low	LK₨96.57
Beta	0.34
1 Month Change	34.61%
3 Month Change	83.13%
1 Year Change	124.58%
3 Year Change	301.77%
5 Year Change	202.54%
Change since IPO	229.71%

Recent updates

Shareholder Returns

	NTB.X0000	LK Banks	LK Market
7D	21.7%	3.8%	3.6%
1Y	124.6%	51.2%	35.6%

Return vs Industry: NTB.X0000 exceeded the LK Banks industry which returned 51.2% over the past year.

Return vs Market: NTB.X0000 exceeded the LK Market which returned 35.6% over the past year.

Price Volatility

Is NTB.X0000's price volatile compared to industry and market?
NTB.X0000 volatility
NTB.X0000 Average Weekly Movement	12.1%
Banks Industry Average Movement	3.6%
Market Average Movement	4.7%
10% most volatile stocks in LK Market	7.5%
10% least volatile stocks in LK Market	3.0%

Stable Share Price: NTB.X0000's share price has been volatile over the past 3 months compared to the LK market.

Volatility Over Time: NTB.X0000's weekly volatility (12%) has been stable over the past year, but is still higher than 75% of LK stocks.

About the Company

Founded	Employees	CEO	Website
1999	2,479	Hemantha Gunetilleke	www.nationstrust.com

Nations Trust Bank PLC provides various banking products and services for individuals, small and medium enterprises (SMEs), and corporates in Sri Lanka. It operates through Corporate Banking, Consumer and Commercial Banking, Treasury and Investment, Insurance Broking, and Property Management segments. The company offers current and savings accounts; fixed and call deposits; investment plans and products; personal, vehicle, and home loans; working capital financing, trade and structured financing, supply chain financing, fixed asset financing, and term loans; syndications; remittance, bancassurance, and payment services; credit and debit, and corporate cards; and foreign exchange products.

Nations Trust Bank PLC Fundamentals Summary

How do Nations Trust Bank's earnings and revenue compare to its market cap?
NTB.X0000 fundamental statistics
Market cap	LK₨58.36b
Earnings (TTM)	LK₨14.20b
Revenue (TTM)	LK₨42.81b

4.0x

P/E Ratio

0.8x

P/B Ratio

Is NTB.X0000 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
NTB.X0000 income statement (TTM)
Revenue	LK₨42.81b
Cost of Revenue	LK₨0
Gross Profit	LK₨42.81b
Other Expenses	LK₨28.62b
Earnings	LK₨14.20b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	43.53
Gross Margin	100.00%
Net Profit Margin	33.17%
Debt/Equity Ratio	72.2%

How did NTB.X0000 perform over the long term?

See historical performance and comparison

Dividends

1.4%

Current Dividend Yield

6%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 01:45
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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

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

Analyst	Institution
Asanka Ranasinghe	Asia Securities (Private) Limited
Zaeema Jihan	First Capital Holdings PLC