Standard Islami Bank Plc
Standard Islami Bank Plc provides banking and investment services, generating revenue primarily through interest income, fees, and financial services.
Business. Standard Islami Bank Plc (STBL.DH) is a financial institution operating within the banking and investment services sector. The company provides banking activities, functioning under an interest-income revenue model typical of the industry. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not available in the provided data. Consequently, the entity is described at the industry level as a bank engaged in standard financial services.
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- 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
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Composite-score breakdown
Synthesis
Standard Islami Bank Plc (STBL.DH) is a financial institution operating within the banking and investment services sector. The company provides banking activities, functioning under an interest-income revenue model typical of the industry. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not available in the provided data. Consequently, the entity is described at the industry level as a bank engaged in standard financial services.
Standard Islami Bank Plc maintains a debt-to-equity ratio of 1.05, indicating a relatively balanced capital structure. However, the company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt. Free cash flow stands at BDT 237.22 million, suggesting some capacity to fund operations or dividends.
Profitability metrics show a return on equity (ROE) of 0.86% and a return on assets (ROA) of 0.06%, both below the typical thresholds for banks, which often aim for ROE above 10% and ROA above 1%. These figures suggest the company is underperforming relative to industry expectations.
The company's revenue is concentrated in a single business segment, with no disclosed geographic diversification. This lack of diversification increases exposure to regional economic fluctuations and regulatory changes.
Revenue for the latest period is reported at BDT 761.28 million, with net income of BDT 160.67 million. While the company is profitable, the growth trajectory is not clearly defined due to the absence of historical revenue data. The outlook for the current fiscal year is neutral, with no significant changes expected in the near term.
Risk factors include medium liquidity risk and low dilution potential. The company's negative net cash position after subtracting total debt raises concerns about its ability to meet short-term obligations. No recent events, such as filings or transcripts, have been disclosed to provide additional context on the company's strategic direction.
- Standard Islami Bank Plc has a balanced capital structure but faces liquidity concerns due to a negative net cash position.
- The company's ROE and ROA are significantly below industry norms, indicating underperformance.
- Revenue is concentrated in a single segment, increasing exposure to regional and regulatory risks.
- Growth trajectory is unclear, with no significant changes expected in the near term.
Bull / Bear case
Generated · model-assistedTotal assets grew 6.2% year-over-year, indicating steady balance sheet expansion despite recent revenue headwinds.
Equity grew 1.9% year-over-year, suggesting modest capital preservation amidst challenging operating conditions.
Dilution risk is assessed as low, providing some stability for existing shareholders' ownership stakes.
Return on equity of 0.86% sits in the bottom quartile, far below the 6.16% cohort median.
Revenue declined 1.7% year-over-year, reflecting a contraction in total operating income generation.
Cash conversion is negative at -0.44, placing it in the bottom quartile relative to peers.
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- Net cash is negative after subtracting total debt.
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- Standard Islami Bank Plc Market data — financials · 2026-05-29