United Bank (UBL) Stock Overview
Provides commercial banking and related services in Pakistan and the Middle East. More details
| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 3/6 |
| Dividends | 3/6 |
UBL Community Fair Values
Create NarrativeSee what 31 others think this stock is worth. Follow their fair value or set your own to get alerts.
United Bank Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | PK₨401.49 |
| 52 Week High | PK₨517.00 |
| 52 Week Low | PK₨188.32 |
| Beta | 0.44 |
| 1 Month Change | -20.20% |
| 3 Month Change | 6.68% |
| 1 Year Change | 103.04% |
| 3 Year Change | 594.50% |
| 5 Year Change | 543.36% |
| Change since IPO | 2,779.62% |
Recent News & Updates
Shareholder Returns
| UBL | PK Banks | PK Market | |
|---|---|---|---|
| 7D | -8.7% | -6.5% | -6.4% |
| 1Y | 103.0% | 59.8% | 22.3% |
Return vs Industry: UBL exceeded the PK Banks industry which returned 62.8% over the past year.
Return vs Market: UBL exceeded the PK Market which returned 25.8% over the past year.
Price Volatility
| UBL volatility | |
|---|---|
| UBL Average Weekly Movement | 5.7% |
| Banks Industry Average Movement | 5.7% |
| Market Average Movement | 6.2% |
| 10% most volatile stocks in PK Market | 8.9% |
| 10% least volatile stocks in PK Market | 4.2% |
Stable Share Price: UBL has not had significant price volatility in the past 3 months compared to the PK market.
Volatility Over Time: UBL's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1959 | 17,845 | Muhammad Iqbal | www.ubldigital.com |
United Bank Limited provides commercial banking and related services in Pakistan and the Middle East. It offers current, savings, and term deposit accounts; and consumer loans and small and medium enterprise loans, including rice husking, cotton ginning, and commercial vehicle financing, as well as fleet and wheat financing for flour mills. The company also provides project, trade, and working capital finance services; import and export, factoring, leasing, and lending services; guarantees; and services related to mergers and acquisitions, underwriting/arrangement of debt and equity instruments through syndications, initial public offerings, and private placements.
United Bank Limited Fundamentals Summary
| UBL fundamental statistics | |
|---|---|
| Market cap | PK₨1.01t |
| Earnings (TTM) | PK₨130.00b |
| Revenue (TTM) | PK₨428.91b |
Is UBL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UBL income statement (TTM) | |
|---|---|
| Revenue | PK₨428.91b |
| Cost of Revenue | PK₨0 |
| Gross Profit | PK₨428.91b |
| Other Expenses | PK₨298.91b |
| Earnings | PK₨130.00b |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 51.91 |
| Gross Margin | 100.00% |
| Net Profit Margin | 30.31% |
| Debt/Equity Ratio | 1,294.3% |
How did UBL perform over the long term?
See historical performance and comparisonDividends
Does UBL pay a reliable dividends?
See UBL dividend history and benchmarks| United Bank dividend dates | |
|---|---|
| Ex Dividend Date | Mar 19 2026 |
| Dividend Pay Date | Apr 16 2026 |
| Days until Ex dividend | 11 days |
| Days until Dividend pay date | 39 days |
Does UBL pay a reliable dividends?
See UBL dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/03/06 13:45 |
| End of Day Share Price | 2026/03/06 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
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 |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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.
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 Github.
Analyst Sources
United Bank Limited is covered by 18 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.
| Analyst | Institution |
|---|---|
| null null | AKD Research |
| null null | Arif Habib Limited |
| Sana Bawani | BMA Capital Management Ltd. |