Companies ›Financials ›MCB.PSX

MCB.PSX — PSX (Pakistan) Banks

MCB Bank Ltd

$412,00

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Mcap

—

P/E

—

EV / Rev

—

Div yield

9,14 %

Op margin

—

ROE

17,4 %

Net margin

36,2 %

Debt / equity

1,55

Beta

—

52w range

—

Volume

—

Day range

—

Prev close

$98,55

Open

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Next earnings

2026-10-28

Ex-dividend

—

TR 1Y

—

About

MCB Bank Ltd is a commercial bank operating in the Financials sector, generating revenue primarily through interest income from loans and fees from financial services.

Business. MCB Bank Ltd (MCB.PSX) is a banking institution headquartered in Pakistan that operates within the Financials sector, specifically providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard industry practices for banks. It is listed on the Pakistan Stock Exchange (PSX). Specific details regarding operating segments or geographic revenue breakdowns are not available.

Classification99 %

SectorFinancials

Industry groupBanks

Generated · model-assisted

Sell-side consensus

BUY2 analysts

2 buy0 hold0 sell

Avg 12m price target496,00

Analyst recommendations

2 analysts · consensus Buy

Buy2

Hold0

Sell0

12-month price target

496,00

Consensus of sell-side coverage.

Upcoming events

EarningsQ3 2026 earnings (expected)2026-10-28 · estimated

See all catalysts →

At a glance

Score

—

not yet scored

Valuation

—

valuation pending

Analysts→

Buy

2 analysts · indicative

Ownership→

Wellington Management Company, LLP

largest disclosed fund holder

Profitability→

17,4 %

return on equity

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning MCB.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to MCB.PSX. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Company
EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
Peers
DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

MCB Bank Ltd (MCB.PSX) is a banking institution headquartered in Pakistan that operates within the Financials sector, specifically providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard industry practices for banks. It is listed on the Pakistan Stock Exchange (PSX). Specific details regarding operating segments or geographic revenue breakdowns are not available.

Classification99 %

SectorFinancials

Industry groupBanks

AI synthesis

GENERATED

MCB Bank Ltd maintains a capital structure with a debt-to-equity ratio of 1.55, indicating a moderate reliance on debt financing relative to equity. The company's liquidity position is assessed as medium, with free cash flow of PKR 10.12 billion and operating cash flow of PKR 82.75 billion, but net cash is negative after subtracting total debt. This suggests that while the company generates substantial operating cash, it is not sufficient to cover its long-term debt obligations.

In terms of profitability, MCB Bank Ltd reports a return on equity (ROE) of 17.36% and a return on assets (ROA) of 1.63%. These figures are strong for the banking industry, where ROE typically ranges between 10-15% and ROA between 1-2%. The company's net income of PKR 58.42 billion on total assets of PKR 3.58 trillion reflects a solid performance in asset utilization and risk management.

The company's revenue is concentrated in its domestic operations, with no disclosed international segments. This geographic concentration may expose the company to local economic and regulatory risks, particularly in the context of Pakistan's macroeconomic environment. The absence of international diversification could limit growth opportunities and increase vulnerability to domestic economic fluctuations.

Looking ahead, MCB Bank Ltd is projected to maintain a stable growth trajectory, with no significant revenue deltas disclosed in the outlook. The company's capital expenditure of PKR -14.93 billion indicates a reduction in investment in physical assets, which may reflect a strategic shift toward digital transformation or cost optimization. This could be a positive sign for long-term efficiency but may also signal a slowdown in expansion.

The risk assessment highlights a medium liquidity risk and a low dilution risk. The company's diluted shares outstanding remain unchanged at 1.19 billion, and no dilution sources were identified in the available documents. However, the negative net cash position after debt suggests potential refinancing needs, which could introduce liquidity pressures if not managed effectively.

Recent events include analyst estimates with a mean price target of PKR 496.00 and a median of PKR 544.00, reflecting a generally positive outlook despite the absence of "hold" or "sell" recommendations. The company's strong buy and buy counts indicate investor confidence in its fundamentals and growth prospects.

Key takeaways

MCB Bank Ltd demonstrates strong profitability with a ROE of 17.36% and ROA of 1.63%, outperforming industry medians.
The company's debt-to-equity ratio of 1.55 suggests a moderate reliance on debt financing.
Liquidity is assessed as medium, with free cash flow of PKR 10.12 billion and negative net cash after debt.
The company's geographic concentration in Pakistan may limit growth and increase exposure to local economic risks.
Analysts project a positive outlook with a mean price target of PKR 496.00 and a median of PKR 544.00.
Capital expenditure is negative, indicating a potential strategic shift toward cost optimization or digital transformation.

Bull / Bear case

Generated · model-assisted

— missing data

In focus — financials by report

Valuation

Market price

$412,00

Market cap

—

Enterprise valueⓘ

—

P/Eⓘ

—

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

—

P / Bⓘ

—

P / Tangible bookⓘ

—

Tangible book

$336.41B

Net cashⓘ

-$522.81B

Current ratioⓘ

—

Debt / equityⓘ

1.6

ROAⓘ

1.6%

ROEⓘ

17.4%

Cash conversionⓘ

1417.0%

CapEx / revenueⓘ

-9.3%

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Commercial Banking—

low · business_description · 2026-07-03

Corporate & Investment Banking—

low · business_description · 2026-07-03

Retail Banking—

low · business_description · 2026-07-03

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

Peer comparison8 peers · vs MCB · multiples and returns

BAC—

Bank Of America Corp

$62,26

461,8B USD

P/E

14,5x

-19,0 vs self

Div yield

1,8 %

+1,5 vs self

ROE

10,2 %

+6,8 vs self

BACRP—

BACRP.PK

—

P/E

—

— vs self

Div yield

—

— vs self

ROE

—

— vs self

WFCNP—

WFCNP.PK

—

P/E

—

— vs self

Div yield

—

— vs self

ROE

—

— vs self

MUFG—

Mitsubishi Ufj Finl-spon Adr

$22,01

—

P/E

—

— vs self

Div yield

229,3 %

+229,0 vs self

ROE

—

— vs self

MFG—

Mizuho Financial Group

—

P/E

—

— vs self

Div yield

—

— vs self

ROE

—

— vs self

SHG—

Shinhan Financial Group

—

P/E

—

— vs self

Div yield

—

— vs self

ROE

—

— vs self

NWG—

Natwest Group PLC -spon Adr

—

P/E

—

— vs self

Div yield

—

— vs self

ROE

—

— vs self

ITUB—

ITAU UNIBANCO S.A.

$41,88

226,3B USD

P/E

1,0x

-32,5 vs self

Div yield

5,8 %

+5,5 vs self

ROE

21,9 %

+18,6 vs self

Market position

Stress test

— missing data

Predictor forecast

Next quarternear-term

Earnings · next quarterconf 57 %

EPS

Consensus EPS

50,44

Predicted surprise

+0,02

Beat probability

57 %

Analysts

Other metrics

Revenue

—

no estimate

Segment revenue

—

no estimate

Margin

—

no estimate

Segment margin

—

no estimate

as of 2026-05-22 · Earnings Surprise V1

Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.

Full fiscal year~1 year ahead

Full fiscal year · our forecast vs guidance vs consensus

Metric	Our forecast	Guidance	Consensus
EPS	—no estimate	—no estimate	51,90
Revenue	—no estimate	—no estimate	—no estimate
Operating income	—no estimate	—no estimate	—no estimate

Full-year consensus mean (period as reported by source) · consensus in PKR. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.

Probabilistic model output — not investment advice. · generated 2026-08-04

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Consensus distribution

sell-side coverage

Recommendation distribution2 analysts

Strong buy1

Buy1

Hold0

Sell0

Strong sell0

12-month price target$496,00 · Median $544,00

Low $400,00High $544,00

EPS surprise

−5,0 %

reported vs consensus · miss

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

Low$400,00

Mean$496,00

Median$544,00

High$544,00

Spot$412,00

+20.4 %implied to mean12-month sell-side price targets · ▲ spot

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskMedium

Filing-based flags

Net cash is negative after subtracting total debt.

Benchmarks vs cohort

Net Margin36,2 %Above median

ROE17,4 %Best in class

Capex / Rev-9,3 %Below median

D/E1,55Bottom quartile

Cash Conv14,17Best in class

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Capex To Revenue
capital_expenditure / revenue
Return On Equity
net_income / total_equity
Debt To Equity
(short_term_debt + long_term_debt) / total_equity
Cash Conversion Ratio
operating_cash_flow / net_income

Source documents

MCB Bank Ltd Market data — financials · 2026-05-28
MCB Bank Ltd Market data — analyst estimates · 2026-05-28
MCB Bank Ltd Market data — ESG · 2026-05-28

Ownership & reference

Top holders

Wellington Management Company, LLPInvestment Managers · as of 2026-03-310,02 %$100M
American Century Investment Management, Inc.Investment Managers · as of 2026-03-310,01 %$28M
Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,01 %$38M
UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,01 %$28M
AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$14M
Nuveen LLCInvestment Managers · as of 2024-12-310,00 %$11M
AQR Capital Management, LLCInvestment Managers · as of 2026-03-310,00 %$5M
Franklin Advisers, Inc.Investment Managers · as of 2026-03-310,00 %$6M
State Street Investment Management (US)Investment Managers · as of 2026-03-310,00 %$32M
Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$7M
Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$8M
Principal Global Investors (Equity)Investment Managers · as of 2026-03-310,00 %$2M
Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,00 %$7M
BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$39M
Arrowstreet Capital, Limited PartnershipInvestment Managers · as of 2026-03-310,00 %$1M
Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$13M
Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$46M
Invesco QQQ TrustFunds · as of 2026-03-310,00 %$4M
LPL Financial LLCInvestment Managers · as of 2026-03-310,00 %$2M
First Trust Advisors L.P.Investment Managers · as of 2026-03-310,00 %$0M
MASSACHUSETTS FINANCIAL SERVICES CO /MA/Institutional Investor · as of 2026-03-310,00 %$1M
JANUS HENDERSON GROUP PLCInstitutional Investor · as of 2026-03-310,00 %$0M
T. Rowe Price Associates, Inc.Investment Managers · as of 2026-03-310,00 %$0M
Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$1M
FMR LLCInstitutional Investor · as of 2026-03-310,00 %$1M
PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$0M

Leadership

Mark R. DefazioPresident, Chief Executive Officer, Director

Insider activity

Net selling1 buys · 4 sellsnet -$136K2 insiders · last 365d

Dougherty Daniel FEVP & Chief Financial Officer · Common StockBought 1 000 @ $89,98$90K · 2026-07-23
Rosenberg NickExecutive Vice President · Common StockSold 1 807 @ $100,42$181K · 2026-07-01
Rosenberg NickExecutive Vice President · Common StockSold 90 @ $100,03$9K · 2026-06-30
Rosenberg NickExecutive Vice President · Common StockSold 90 @ $100,06$9K · 2026-06-29
Rosenberg NickExecutive Vice President · Common StockSold 263 @ $100,01$26K · 2026-06-26

Short positioning

— missing data

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

MCB.PSXCanonical

PSX (Pakistan) · USD

Intel & risk

PredictorBeat prob57 %Surprise+0,02Full forecast →

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskMedium

Net cash is negative after subtracting total debt.

Relationship graph

This companyPeerSector

Evidence & claims

From filings & derived data

EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 11.6%Derived (calculated)
EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 12.4%Derived (calculated)
Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 14.3%Derived (calculated)
Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 96.5%Derived (calculated)
Return on equity (FY 2025-12-31): 9.6%Derived (calculated)
Return on assets (FY 2025-12-31): 0.9%Derived (calculated)
Debt-to-equity (FY 2025-12-31): 10.11xDerived (calculated)
Total assets (YoY) (2025-12-31 vs 2024-12-31): 13.1%Derived (calculated)
Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 1.8%Derived (calculated)
Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -40.3%Derived (calculated)
Net income (YoY) (2025-12-31 vs 2024-12-31): 6.6%Derived (calculated)
Cash & equivalents (annual): USD 393.59MSEC XBRL filing
Net income (annual): USD 71.1MSEC XBRL filing
EPS (basic) (annual): USD-PER-SHARES 7SEC XBRL filing
Shares outstanding (annual): 10.09MSEC XBRL filing
EPS (diluted) (annual): USD-PER-SHARES 7SEC XBRL filing
Pre-tax income (annual): USD 101.51MSEC XBRL filing
Shareholders' equity (annual): USD 743.11MSEC XBRL filing
Operating cash flow (annual): USD 88.68MSEC XBRL filing
Total liabilities (annual): USD 7.51BSEC XBRL filing
Total assets (annual): USD 8.26BSEC XBRL filing
Debt-to-equity (FY 2024-12-31): 9.00xDerived (calculated)
Return on equity (FY 2024-12-31): 9.1%Derived (calculated)
Return on assets (FY 2024-12-31): 0.9%Derived (calculated)

Showing 24 of 60 surfaced claims.

Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

The Thread

Everything we know, in order

2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date

2026-07-23INSIDERDougherty Daniel F bought 1.0k sh — EVP & Chief Financial Officer ~$90k

2026-07-21 00:00 UTCTRANSCRIPTEarnings call — Q3 2026

2026-07-21EVENTQ2 2026 earnings (expected) estimated date

2026-07-01INSIDERRosenberg Nick sold 1.8k sh — Executive Vice President ~$181k

2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)

2026-06-30INSIDERRosenberg Nick sold 90 sh — Executive Vice President ~$9k

2026-06-29 00:00 UTCINSIDER4 insider transactions — 2026-06 · net sell $1.5M

2026-06-29INSIDERRosenberg Nick sold 90 sh — Executive Vice President ~$9k

2026-06-26INSIDERRosenberg Nick sold 263 sh — Executive Vice President ~$26k

2026-06-08FILINGFORM 8-K →

2026-05-29 00:00 UTCINSIDER1 insider transaction — 2026-05 · net sell $269k

2026-05-08FILING10-Q filing →

2026-04-29FILINGFORM 8-K →

2026-04-21FILING8-K filing →

2026-04-20FILING8-K filing →

2026-03-28 00:00 UTCINSIDER24 insider transactions — 2026-03 · net sell $3.0M

2026-03-20FILINGFORM DEF 14A →

2026-03-16FILINGFORM 8-K →

2026-03-02FILING8-K filing →

2026-02-27 00:00 UTCINSIDER3 insider transactions — 2026-02 · net buy $500k

2026-02-27FILING424B5 filing →

2026-02-26FILINGFORM 8-K →

2026-02-25FILINGFORM 8-K →

2026-02-25FILING424B5 filing →

The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

Analyst recommendations

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Consensus distribution

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Top holders

Leadership

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread