The United Bank (EGX:UBEE)

The United Bank Statistics

Total Valuation

The United Bank has a market cap or net worth of EGP 15.18 billion.

Market Cap	15.18B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, August 20, 2026.

Earnings Date	Aug 20, 2026
Ex-Dividend Date	n/a

Share Statistics

The United Bank has 1.10 billion shares outstanding. The number of shares has decreased by -1.86% in one year.

Current Share Class	1.10B
Shares Outstanding	1.10B
Shares Change (YoY)	-1.86%
Shares Change (QoQ)	+15.75%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	330.01M

Valuation Ratios

The trailing PE ratio is 8.55 and the forward PE ratio is 4.51.

PE Ratio	8.55
Forward PE	4.51
PS Ratio	2.44
PB Ratio	0.89
P/TBV Ratio	0.90
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.13
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.40%.

Return on Equity (ROE)	14.40%
Return on Assets (ROA)	2.24%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	3.80M
Profits Per Employee	1.10M
Employee Count	1,637
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, The United Bank has paid 1.29 billion in taxes.

Income Tax	1.29B
Effective Tax Rate	36.31%

Stock Price Statistics

The stock price has decreased by -1.57% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-1.57%
50-Day Moving Average	13.65
200-Day Moving Average	14.21
Relative Strength Index (RSI)	54.57
Average Volume (20 Days)	307,454

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, The United Bank had revenue of EGP 6.22 billion and earned 1.79 billion in profits. Earnings per share was 1.61.

Revenue	6.22B
Gross Profit	6.22B
Operating Income	3.56B
Pretax Income	3.56B
Net Income	1.79B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.61

Balance Sheet

The company has 21.21 billion in cash and 3.17 billion in debt, with a net cash position of 18.04 billion or 16.40 per share.

Cash & Cash Equivalents	21.21B
Total Debt	3.17B
Net Cash	18.04B
Net Cash Per Share	16.40
Equity (Book Value)	17.10B
Book Value Per Share	13.37
Working Capital	-63.82B

Cash Flow

In the last 12 months, operating cash flow was -23.02 billion and capital expenditures -623.89 million, giving a free cash flow of -23.64 billion.

Operating Cash Flow	-23.02B
Capital Expenditures	-623.89M
Depreciation & Amortization	n/a
Net Borrowing	-2.17B
Free Cash Flow	-23.64B
FCF Per Share	-21.49

Margins

Gross Margin	n/a
Operating Margin	57.20%
Pretax Margin	57.20%
Profit Margin	36.28%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.75, which amounts to a dividend yield of 5.43%.

Dividend Per Share	0.75
Dividend Yield	5.43%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	56.90%
Buyback Yield	1.86%
Shareholder Yield	7.29%
Earnings Yield	11.81%
FCF Yield	-155.76%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Analyst Forecast

The average price target for The United Bank is 16.90, which is 22.46% higher than the current price. The consensus rating is "Buy".

Price Target	16.90
Price Target Difference	22.46%
Analyst Consensus	Buy
Analyst Count	2
Revenue Growth Forecast (3Y)	n/a
EPS Growth Forecast (3Y)	n/a

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2