Commercial Ban

Commercial Bank Financial: Q3 report

Company Ind PE Ind PBV EPS Networth

NMB 22.3 2.75 21.71 145.32
BOKL 22.3 2.75 16.14 165.45
NIB 22.3 2.75 24.01 186.72
ADBL 22.3 2.75 22.19 226.47
NBL 22.3 2.75 23.87 270.22
GBIME 22.3 2.75 22.05 148.92
SANIMA 22.3 2.75 25.73 148.7
NCCB 22.3 2.75 12.23 138.27
SBL 22.3 2.75 25.28 181.89
MBL 22.3 2.75 21.89 139.34
LBL 22.3 2.75 16.06 152.02
SRBL 22.3 2.75 15.88 152.37
HBL 22.3 2.75 16.06 171.81
PCBL 22.3 2.75 23.36 145.88
MEGA 22.3 2.75 18.19 136.41
SBI 22.3 2.75 12.34 161.32
KBL 22.3 2.75 17.37 135.49
CZBL 22.3 2.75 20.72 146.87
CCBL 22.3 2.75 5.29 117.81
SCB 22.3 2.75 18.41 186.95
PRVU 22.3 2.75 24.79 152.86
CBL 22.3 2.75 7.75 123.38
NBB 22.3 2.75 24.97 165.46
NABIL 22.3 2.75 37.34 230.02
EBL 22.3 2.75 22.6 235.11
NICA 22.3 2.75 34.87 162.03

15

Commercial Ban
Commercial Bank Financial: Q3 report

Company Ind PE Ind PBV EPS Networth

NMB 22.3 2.75 21.71 145.32
BOKL 22.3 2.75 16.14 165.45
NIB 22.3 2.75 24.01 186.72
ADBL 22.3 2.75 22.19 226.47
NBL 22.3 2.75 23.87 270.22
GBIME 22.3 2.75 22.05 148.92
SANIMA 22.3 2.75 25.73 148.7
NCCB 22.3 2.75 12.23 138.27
SBL 22.3 2.75 25.28 181.89
MBL 22.3 2.75 21.89 139.34
LBL 22.3 2.75 16.06 0
SRBL 22.3 2.75 15.88 152.37
HBL 22.3 2.75 16.06 171.81
PCBL 22.3 2.75 23.36 145.88
MEGA 22.3 2.75 18.19 136.41
SBI 22.3 2.75 12.34 161.32
KBL 22.3 2.75 17.37 135.49
CZBL 22.3 2.75 20.72 146.87
CCBL 22.3 2.75 5.29 117.81
SCB 22.3 2.75 18.41 186.95
PRVU 22.3 2.75 24.79 152.86
CBL 22.3 2.75 7.75 123.38
NBB 22.3 2.75 24.97 165.46
NABIL 22.3 2.75 37.34 230.02
EBL 22.3 2.75 22.6 235.11
NICA 22.3 2.75 34.87 162.03
 28 April, 2021
Total Grahm NumberLTP Valuation Difference
193474 440 412 Undervalued 28
163760 405 301 Undervalued 104
274929 524 448 Undervalued 76
308181 555 415 Undervalued 140
395556 629 415 Undervalued 214
201372 449 426 Undervalued 23
234633 484 379 Undervalued 105
103703 322 340 Overvalued -18
281983 531 420 Undervalued 111
187051 432 302 Undervalued 130
149721 387 295 Undervalued 92
148384 385 297 Undervalued 88
169212 411 493 Overvalued -82
208981 457 430 Undervalued 27
152166 390 303 Undervalued 87
122079 349 394 Overvalued -45
144326 380 314 Undervalued 66
186621 432 306 Undervalued 126
38219 195 231 Overvalued -36
211065 459 582 Overvalued -123
232385 482 430 Undervalued 52
58639 242 229 Undervalued 13
253366 503 377 Undervalued 126
526717 726 1264 Overvalued -538
325850 571 732 Overvalued -161
346485 589 899 Overvalued -310

28 April, 2021
Total Grahm NumberLTP Valuation Difference
193474 440 412 Undervalued 28
163760 405 301 Undervalued 104
274929 524 448 Undervalued 76
308181 555 415 Undervalued 140
395556 629 415 Undervalued 214
201372 449 426 Undervalued 23
234633 484 379 Undervalued 105
103703 322 340 Overvalued -18
281983 531 420 Undervalued 111
187051 432 302 Undervalued 130
0 0 295 Undervalued -295
148384 385 297 Undervalued 88
169212 411 493 Overvalued -82
208981 457 430 Undervalued 27
152166 390 303 Undervalued 87
122079 349 394 Overvalued -45
144326 380 314 Undervalued 66
186621 432 306 Undervalued 126
38219 195 231 Overvalued -36
211065 459 582 Overvalued -123
232385 482 430 Undervalued 52
58639 242 229 Undervalued 13
253366 503 377 Undervalued 126
526717 726 1264 Overvalued -538
325850 571 732 Overvalued -161
346485 589 899 Overvalued -310
 LTP as of Date 28, April 2021

3 years Dividend Average Dividend Dividend Yield

81.2 27.07 6.570
58 19.33 6.423
77.5 25.83 5.766
66.84 22.28 5.369
41 20.50 4.940
57.5 19.17 4.499
48.65 16.22 4.279
43.31 14.44 4.246
53.42 17.81 4.240
36.4 12.13 4.018
35.45 11.82 4.006
35.58 11.86 3.993
57.78 19.26 3.907
47 15.67 3.643
32.65 10.88 3.592
42.1 14.03 3.562
33.02 11.01 3.505
31.26 10.42 3.405
20.75 6.92 2.994
51.84 17.28 2.969
35.78 11.93 2.774
19.04 6.35 2.771
30.95 10.32 2.737
103.26 34.42 2.723
55.53 18.51 2.529
51.58 17.19 1.912

LTP as of Date 28, April 2021

3 years Dividend Average Dividend Dividend Yield

81.2 27.07 6.570
58 19.33 6.423
77.5 25.83 5.766
66.84 22.28 5.369
41 20.50 4.940
57.5 19.17 4.499
48.65 16.22 4.279
43.31 14.44 4.246
53.42 17.81 4.240
36.4 12.13 4.018
35.45 11.82 4.006
35.58 11.86 3.993
57.78 19.26 3.907
47 15.67 3.643
32.65 10.88 3.592
42.1 14.03 3.562
33.02 11.01 3.505
31.26 10.42 3.405
20.75 6.92 2.994
51.84 17.28 2.969
35.78 11.93 2.774
19.04 6.35 2.771
30.95 10.32 2.737
103.26 34.42 2.723
55.53 18.51 2.529
51.58 17.19 1.912
Company Ind PE Ind PBV EPS Networth Total
NBL 22.3 2.75 23.87 270.22 395556
ADBL 22.3 2.75 22.19 226.47 308181
MBL 22.3 2.75 21.89 139.34 187051
NBB 22.3 2.75 24.97 165.46 253366
CZBL 22.3 2.75 20.72 146.87 186621
SBL 22.3 2.75 25.28 181.89 281983
SANIMA 22.3 2.75 25.73 148.7 234633
BOKL 22.3 2.75 16.14 165.45 163760
LBL 22.3 2.75 16.06 152.02 149721
SRBL 22.3 2.75 15.88 152.37 148384
MEGA 22.3 2.75 18.19 136.41 152166
NIB 22.3 2.75 24.01 186.72 274929
KBL 22.3 2.75 17.37 135.49 144326
PRVU 22.3 2.75 24.79 152.86 232385
NMB 22.3 2.75 21.71 145.32 193474
PCBL 22.3 2.75 23.36 145.88 208981
GBIME 22.3 2.75 22.05 148.92 201372
CBL 22.3 2.75 7.75 123.38 58639
NCCB 22.3 2.75 12.23 138.27 103703
CCBL 22.3 2.75 5.29 117.81 38219
SBI 22.3 2.75 12.34 161.32 122079
HBL 22.3 2.75 16.06 171.81 169212
SCB 22.3 2.75 18.41 186.95 211065
EBL 22.3 2.75 22.6 235.11 325850
NICA 22.3 2.75 34.87 162.03 346485
NABIL 22.3 2.75 37.34 230.02 526717
 28 April, 2021
Grahm Number (SLTP Valuation Difference
629 415 Undervalued 214
555 415 Undervalued 140
432 302 Undervalued 130
503 377 Undervalued 126
432 306 Undervalued 126
531 420 Undervalued 111
484 379 Undervalued 105
405 301 Undervalued 104
387 295 Undervalued 92
385 297 Undervalued 88
390 303 Undervalued 87
524 448 Undervalued 76
380 314 Undervalued 66
482 430 Undervalued 52
440 412 Undervalued 28
457 430 Undervalued 27
449 426 Undervalued 23
242 229 Undervalued 13
322 340 Overvalued -18
195 231 Overvalued -36
349 394 Overvalued -45
411 493 Overvalued -82
459 582 Overvalued -123
571 732 Overvalued -161
589 899 Overvalued -310
726 1264 Overvalued -538

0
0
0
0
0
0
KSBBL 343 29.47 29.47 144.35 144.35
8 MNBBL 434 27.87 20.84 138.43
2 GBBL 343 24.6 20.44 138.92
3 JBBL 261 20.89 16.63 133.53
16 LBBL 278 19.44 21.48 165.67
6 EDBL 518 19.36 16.57 157.96
7 SADBL 239 17.99 11.48 139.95
1 MDB 374 17.9 23.23 143.09
12 SHINE 269 17.54 22.2 138.5
14 MLBL 284 16.1 17.25 154.9
11 SHBL 460 14.79 10.59 137.19
10 SINDU 258 8.53 4.72 116.07
17 SAPDBL 191 6.8 8.87 118.26
9 CORBL 660 6.71 11.63 152.52
13 GRDBL 215 1.99 4.33 104.32
5 NABBC 530 -4 N/A 36.15
4 KRBL 199 N/A -1.02 N/A

LFC 126 60.13 15.47 105.39

16 MFIL 494 51.82 31.49
18 GUFL 465 42.05 11.49
13 ICFC 309 23.16 15.45
4 GFCL 281 23.08 18.48
11 SFFIL 210 16.51 12.2
5 PFL 290 15.01 12.77
17 RLFL 245 13.91 10.13
7 SIFC 241 11.88 15.11
12 GMFIL 236 11.71 8.68
2 BFC 178 11.45 9.76
8 CFCL 223 10.7 11.19
 6 UFL 423 10.46 9.18
15 PROFL 173 5.99 -0.33
9 JFL 258 3.28 10.48
10 SFCL 222 1.78 18.22
1 NFS 300 1.53 18.87
14 MPFL 210 1.02 N/A
 133.3
131.52
126.38
157.72
163.92
127.53
137.96
157.36
155.76
151.84
110.42
122.51
130.35
107.48
N/A
105.06

71.78
168.94 137.67
195.58 169.1
143.61 142.18
171.29 156.84
146.05 146.41
139.49 135.51
155.32 128.46
137.13 135.11
155.41 128.91
111.64 103.93
131.31 127.18
159.49 145.91
112.55 105.44
145.53 137.67
63.14 68.12
136.09 155.16
124.76
Dev Bank

Company Ind PE Ind PBV EPS Networth Total

SHINE 21.65 2.31 17.54 138.5 121492
MLBL 21.65 2.31 16.1 154.9 124723
MDB 21.65 2.31 17.9 143.09 128095
SINDU 21.65 2.31 8.53 116.07 49515
GBBL 21.65 2.31 24.6 138.92 170911
MNBBL 21.65 2.31 27.87 138.43 192947
SHBL 21.65 2.31 14.79 137.19 101475
JBBL 21.65 2.31 20.89 133.53 139504
SADBL 21.65 2.31 17.99 139.95 125914
SAPDBL 21.65 2.31 6.8 118.26 40218
EDBL 21.65 2.31 19.36 157.96 152940
LBBL 21.65 2.31 19.44 165.67 161068
KSBBL 21.65 2.31 29.47 144.35 212749
GRDBL 21.65 2.31 1.99 104.32 10382
CORBL 21.65 2.31 6.71 152.52 51182
NABBC 21.65 2.31 4 36.15 7232
KRBL 21.65 2.31 0 0 0
 LTP as of Date 28, April 2021

Grahm Number (LTP Valuation Difference 3 years Divid Average Divi Dividend Yield
349 272 Undervalued 77 46.63 15.54 5.714
353 284 Undervalued 69 42.15 14.05 4.947
358 374 Overvalued -16 53.18 17.73 4.740
223 258 Overvalued -35 36.03 12.01 4.655
413 343 Undervalued 70 44.96 14.99 4.369
439 434 Undervalued 5 53.25 17.75 4.090
319 460 Overvalued -141 55.11 18.37 3.993
374 261 Undervalued 113 31.15 10.38 3.978
355 239 Undervalued 116 23.67 7.89 3.301
201 191 Undervalued 10 6 6.00 3.141
391 518 Overvalued -127 47.63 15.88 3.065
401 278 Undervalued 123 20.93 6.98 2.510
461 343 Undervalued 118 20.93 6.98 2.034
102 215 Overvalued -113 4 4.00 1.860
226 660 Overvalued -434 0 0.00 0.000
85 530 Overvalued -445 0 0.00 0.000
0 0 Undervalued 0 0 0.00 0.000
28, April 2021

ividend Yield
Dev Bank

Company Ind PE Ind PBV EPS Networth Total Grahm Num

MFIL 25 1.98 51.82 168.94 433346 658
GUFL 25 1.98 42.05 195.58 407095 638
ICFC 25 1.98 23.16 143.61 164637 406
GFCL 25 1.98 23.08 171.29 195692 442
SFFIL 25 1.98 16.51 146.05 119359 345
PFL 25 1.98 15.01 139.49 103640 322
RLFL 25 1.98 13.91 155.32 106945 327
SIFC 25 1.98 11.88 137.13 80641 284
GMFIL 25 1.98 11.71 155.41 90083 300
BFC 25 1.98 11.45 111.64 63275 252
CFCL 25 1.98 10.7 131.31 69548 264
UFL 25 1.98 10.46 159.49 82579 287
PROFL 25 1.98 5.99 112.55 33372 183
JFL 25 1.98 3.28 145.53 23628 154
SFCL 25 1.98 1.78 63.14 5563 75
NFS 25 1.98 1.53 136.09 10307 102
MPFL 25 1.98 1.02 124.76 6299 79
 LTP as of Date 28, April 2021

LTP Valuation Difference 3 years Dividend Average Divi Dividend Yield

494 Undervalue 164 37.95 12.65 2.561
465 Undervalue 173 7 7.00 1.505
309 Undervalue 97 36 12.00 3.883
281 Undervalue 161 36.03 12.01 4.274
210 Undervalue 135 44.96 14.99 7.137
290 Undervalue 32 53.25 17.75 6.121
245 Undervalue 82 55.11 18.37 7.498
241 Undervalue 43 31.15 10.38 4.308
236 Undervalue 64 23.67 7.89 3.343
178 Undervalue 74 6 6.00 3.371
223 Undervalue 41 47.63 15.88 7.120
423 Overvalued -136 20.93 6.98 1.649
423 Overvalued -240 20.93 6.98 1.649
258 Overvalued -104 4 4.00 1.550
222 Overvalued -147 0 0.00 0.000
300 Overvalued -198 0 0.00 0.000
210 Overvalued -131 0 0.00 0.000