Samba Bank Limited (SBL)

COMMERCIAL BANKSALLSHR

13.66

+9.98%

As of 09-Jul-2026

52 Week RangeCurrent: 13.66

8.1016.78

Updated: 09-Jul-2026

1M+41.8%

3M+37.7%

1Y+43.0%

3Y+68.0%

5Y+120.1%

Valuation Snapshot

Review how the market has valued this company across price multiples.

Updated through 08-Jul-2026

P/E

16.78x

P/B

0.69x

Showing 37 observations

Annual Ratio Highlights

Metric	2021	2022	2023	2024	2025
EPS	0.78	-0.42	1.23	0.69	0.72
DPS	0.60	0.00	0.00	0.00	0.00
BVPS	15.77 PKR mn / Shr	14.53 PKR mn / Shr	16.23 PKR mn / Shr	17.08 PKR mn / Shr	18.65 PKR mn / Shr
PBV	0.79	0.85	0.77	0.73	0.67
Div Yield	4.83%	0.00%	0.00%	0.00%	0.00%
ROE	5.05%	-2.80%	7.96%	4.17%	4.04%
ROA	0.44%	-0.23%	0.69%	0.39%	0.37%
NII Growth	16.41%	9.94%	71.12%	-9.57%	-23.66%
Non Interest Income Growth	9.69%	-83.41%	395.08%	39.65%	26.14%
Revenue Growth	14.62%	-13.83%	87.02%	-3.19%	-14.32%
PBT Growth	-21.82%	-171.01%	-336.83%	-29.32%	0.39%
PAT Growth	-22.04%	-154.25%	-388.55%	-43.32%	3.86%
Payout Ratio	76.92%	0.00%	0.00%	0.00%	0.00%

Metric	2021	2022	2023	2024	2025
Cost to Income	59.29%	81.54%	51.88%	63.30%	71.51%
Effective Tax Rate	39.49%	53.78%	43.68%	54.84%	53.28%
Operating Expense	4.34%	4.40%	4.39%	5.14%	4.89%
EPS Growth	-22.00%	-153.85%	-392.86%	-43.58%	3.75%

Metric	2021	2022	2023	2024	2025
Net Interest Income / Deposits	5.46%	5.13%	7.37%	6.60%	4.95%
Non Interest Income / Deposits	1.87%	0.26%	1.10%	1.52%	1.88%
Total Revenue / Deposits	7.33%	5.40%	8.46%	8.12%	6.83%
Provisions / Deposits	1.33%	2.00%	2.08%	1.58%	0.57%
Provisions / Advances	1.43%	2.37%	3.09%	2.72%	1.10%
Profit before WWF & Tax/Deposits	1.70%	0.99%	2.05%	1.45%	1.40%
WWF Rate	2.76%	0.98%	2.88%	3.43%	1.95%
Tax Rate	39.49%	53.78%	43.68%	54.84%	53.28%
Net Profit / Deposits	1.00%	-0.46%	1.12%	0.63%	0.64%
Deposits / Equity	498.53%	718.24%	701.17%	622.01%	632.59%