Obermatt

MCB Bank

PSX:MCB · PK0055601014
BanksSmall

360

63
Profit price63
Cash yield95
Price/Sales52
EV / Gross Profit47
Price/Book18
Returns on capital62
Profit margins
Cash Conversion54
Accruals34
Owner Earnings Margin43
Sales growth35
Profit Growth16
Owner Earnings Growth28
Reinvestment81
Price momentum95
Debt load20
Debt serviceability87
Liquidity51
Analyst ratings100
Opinion Changes50
Price Target Upside53
Market mood27
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

MCB Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryPakistan
IndustryBanks
SizeSmall
TypePublic Company
ExchangeKASE
Founded1947
Employees8,403
Websitemcb.com.pk
ISINPK0055601014
Last UpdateApr 2, 2026
Index & Theme
Online PaymentsConsumer Lending

Description

MCB Bank Limited provides commercial banking and related services. The bank operates branches within Pakistan and outside Pakistan (including the Karachi Export Processing Zone branch). Business Segments Retail Banking: This segment includes retai…

Analysis

Quality compounder

MCB Bank Limited is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 9.6× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is tepid and the balance sheet is stretched. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

What to watch: Some accounting patterns deserve a closer look. Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
63
2023202420252026

All-time high

97

Jan 2024

All-time low

32

Jan 2025

Average rank

66

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
52
56
90
58
Price/Earnings
41
64
90
79
Price/Book
18
28
48
38
Dividend Yield
95
98
100
100
Value (overall)
44
65
93
79

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →