Bank of Baroda (Uganda) Limited provides various commercial banking services to individual and corporate customers in Uganda.
Price History & Performance
|Historical stock prices|
|Current Share Price||USh115.00|
|52 Week High||USh90.00|
|52 Week Low||USh136.00|
|1 Month Change||-2.54%|
|3 Month Change||-3.36%|
|1 Year Change||-4.96%|
|3 Year Change||-11.54%|
|5 Year Change||-15.44%|
|Change since IPO||-4.17%|
Recent News & Updates
|BOBU||UG Banks||UG Market|
Return vs Industry: BOBU underperformed the UG Banks industry which returned 28.2% over the past year.
Return vs Market: BOBU underperformed the UG Market which returned 1% over the past year.
Stable Share Price: BOBU is less volatile than 75% of UG stocks over the past 3 months, typically moving +/- 1% a week.
Volatility Over Time: BOBU's weekly volatility has decreased from 7% to 1% over the past year.
About the Company
Bank of Baroda (Uganda) Limited provides various commercial banking services to individual and corporate customers in Uganda. It offers various deposit products, such as savings accounts, current accounts, festival deposits, recurring deposits, and fixed/short-term deposit accounts. The company also provides loans/advances, including salary, multi-purpose, housing, education, traders’, business, short-term, and IPO loans; and asset finance products, as well as loans against future rent receivables and bank’s deposits.
Bank of Baroda (Uganda) Fundamentals Summary
|BOBU fundamental statistics|
Is BOBU overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BOBU income statement (TTM)|
|Cost of Revenue||USh0|
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
|Earnings per share (EPS)||33.33|
|Net Profit Margin||60.22%|
How did BOBU perform over the long term?See historical performance and comparison
8.7%Current Dividend Yield
Is Bank of Baroda (Uganda) undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BOBU (UGX115) is trading below our estimate of fair value (UGX148.04)
Significantly Below Fair Value: BOBU is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BOBU is good value based on its PE Ratio (3.5x) compared to the African Banks industry average (6.5x).
PE vs Market: BOBU is good value based on its PE Ratio (3.5x) compared to the UG market (4.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BOBU's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BOBU is good value based on its PB Ratio (0.6x) compared to the XF Banks industry average (0.9x).
How is Bank of Baroda (Uganda) forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Bank of Baroda (Uganda) has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Bank of Baroda (Uganda) performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BOBU has high quality earnings.
Growing Profit Margin: BOBU's current net profit margins (60.2%) are higher than last year (46%).
Past Earnings Growth Analysis
Earnings Trend: BOBU's earnings have grown by 11.4% per year over the past 5 years.
Accelerating Growth: BOBU's earnings growth over the past year (83.3%) exceeds its 5-year average (11.4% per year).
Earnings vs Industry: BOBU earnings growth over the past year (83.3%) exceeded the Banks industry 11%.
Return on Equity
High ROE: BOBU's Return on Equity (18.4%) is considered low.
How is Bank of Baroda (Uganda)'s financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BOBU's Assets to Equity ratio (4.7x) is low.
Allowance for Bad Loans: BOBU has a sufficient allowance for bad loans (105%).
Low Risk Liabilities: 93% of BOBU's liabilities are made up of primarily low risk sources of funding.
Loan Level: BOBU has an appropriate level of Loans to Assets ratio (39%).
Low Risk Deposits: BOBU's Loans to Deposits ratio (53%) is appropriate.
Level of Bad Loans: BOBU has an appropriate level of bad loans (1.4%).
What is Bank of Baroda (Uganda) current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BOBU's dividend (8.7%) is higher than the bottom 25% of dividend payers in the UG market (4.53%).
High Dividend: BOBU's dividend (8.7%) is in the top 25% of dividend payers in the UG market (7.92%)
Stability and Growth of Payments
Stable Dividend: BOBU has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: BOBU's dividend payments have increased, but the company has only paid a dividend for 9 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (28.6%), BOBU's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Raj Kumar Meena serves as Managing Director and Director of Bank of Baroda (Uganda) Ltd. since April 01, 2020.
Experienced Management: BOBU's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.
Experienced Board: BOBU's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bank of Baroda (Uganda) Limited's employee growth, exchange listings and data sources
- Name: Bank of Baroda (Uganda) Limited
- Ticker: BOBU
- Exchange: UGSE
- Founded: 1953
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: USh287.500b
- Shares outstanding: 2.50b
- Website: https://www.bankofbaroda.ug
Number of Employees
- Bank of Baroda (Uganda) Limited
- Plot 18, Kampala Road
- PO Box 7197
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/20 16:00|
|End of Day Share Price||2021/10/20 00:00|
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.