UCB

United Commercial Bank PLC · Bank · Cat Z

15/100

High risk

৳9.00

DSE Hexagon

Stands out for trades below its estimated worth and clean, organic trading.

Six lenses, each scored 0–100 from the analysis. Integrity is DSE-specific — it reads how organic the price action is (high = clean, low = concentrated-operator risk). Descriptive only, not a recommendation.

Risks & rewards

Risks (4)

⚠ Z-category — higher default/governance risk
⚠ Earnings trending down
⚠ Dividend sustainability at risk
⚠ Financial health deteriorating

Rewards (3)

✓ Trades below estimated fair value
✓ In an accumulation phase
✓ No signs of artificial price activity

Score breakdown

Price history & performance

52-week high৳11.6

52-week low৳8.60

From 52w high-22.4%

Beta0.5

7D +0.0%

1M +3.4%

3M -5.3%

6M -10.9%

1Y -13.5%

YTD -15.1%

Shareholder returns vs DSEX

UCB+0.0%

DSEX+2.4%

UCB underperformed the DSEX since Jul 8, 2026 — that's when we started tracking the index, so this window will get longer over time.

Volatility

Annualized volatility28.3%

Daily VaR (95%)-2.53%

Max drawdown (5y)-46.7%

Correlation to market0.35

Calmer than most DSE stocks. Descriptive only — past volatility is not a forecast.

Technical read

RSI (14)52.9

MACDbullish

Bollingerinside bands (+0.5σ)

Price cycle (Wyckoff)ACCUM

Health trenddeteriorating

Flow pressureaccumulation

Valuation

Fair value ()

Upside—

Dividend yield+5.50%

Fundamental verdictAT-RISK

Confidence—

Ownership

Institutional holding36.81%

Foreign holding0.51%

Free float51.6%

Sponsor, institutional, foreign and public holdings from the latest disclosed shareholding pattern. Descriptive only.

Share structure

Authorized capital৳25,000mn

Paid-up capital৳15,503.76mn

Face value৳10

Market lot1

Outstanding shares1,550,375,898

Last AGM11-06-2026

Fiscal year end31-Dec

Reserve & surplus (ex-OCI)৳22,903.9mn

Other comprehensive income৳0mn

Financials

Recent P/E ratio

DateCurrent P/ETrailing P/E

Jul 14, 2026 32.14 50

Jul 13, 2026 32.14 50

Jul 12, 2026 32.14 50

Jul 9, 2026 32.5 50.56

Jul 8, 2026 32.14 50

Jul 7, 2026 32.14 50

Based on the latest un-audited financial statements. Descriptive only.

Dividend history

20235%

20225%

20205%

20195%

201710%

201615%

201520%

Earnings & NAV

YearEPSNAVDividend

2025 0.15 25.71 0%

2024 0.05 26.42 0%

2023 1.52 28.81 5%

2022 2.35 28.57 5%

Quarterly EPS — FY2026

Q10.07

Q2—

Half-year—

Q3—

Nine-month—

From disclosed annual reports and dividend declarations. Descriptive only, not a forecast.

Levels

Resistance

৳9.8

৳10.1

৳10.6

৳11

Support

৳9

৳8.6

৳8.2

Historical bounce zones

Oct 28, 2024: ৳9.5→৳11.2 +18%

Jan 20, 2025: ৳8.6→৳10.8 +26%

Mar 4, 2025: ৳9.9→৳13.3 +34%

May 7, 2025: ৳10.2→৳12.5 +23%

Jun 30, 2025: ৳9.7→৳11.5 +19%

Jul 30, 2025: ৳10.1→৳11.8 +17%

Sep 10, 2025: ৳9.4→৳11.7 +24%

Oct 29, 2025: ৳8.9→৳10.4 +17%

Sector peers

Other Bank names, ranked by our analysis score (DSE has no market-cap feed). Descriptive comparison only.

ScripScorePriceUpsideYield

MTBMutual Trust Bank PLC 82 ৳14.0 +84.00% +7.30%SHAHJABANKShahjalal Islami Bank PLC. 82 ৳17.6 +50.00% +7.40%JAMUNABANKJamuna Bank PLC. 80 ৳23.5 +8.00% +12.30%EBLEastern Bank PLC. 80 ৳24.5 +71.00% +10.20%DHAKABANKDhaka Bank PLC. 77 ৳12.3 +72.00% +8.30%CITYBANKCity Bank PLC. 76 ৳31.1 +124.00% +4.90%

Historical outlook

Based on how similar setups behaved historically — not a prediction of what will happen.

10-day 40% vs 40% market avg Typical move: -4.7% / -1% / 3.9%

30-day 41% vs 42% market avg Typical move: -8.3% / -1.5% / 7%

Signals: Bullish Harami

Reference levels

Descriptive reference points from the analysis — not instructions to buy or sell.

Entry readAVOID (no entry)

Reference stopif held: EXIT now / close<8.9

Reference target—

Timing noteexit / stay out

Organic (score 102) — clean price history; historically holds its uptrend above the 50-day average. Z-cat. ⚠ PAPER-PROFIT — reports profit but NEGATIVE cash flow (accrual red flag; earnings not real cash). [fundamentals AT-RISK (dividend cut risk), payout 333.0%, yield 5.5%]

UCB