SBAC Bank PLC
SBAC Bank PLC is a financial institution operating in the banking sector, providing a range of banking and investment services to its clients.
Business. SBAC Bank PLC is a banking institution operating within the Financials sector, specifically engaged in the provision of banking and investment services. The company generates revenue primarily through interest income, consistent with standard industry practices for banks. As specific details regarding operating segments, headquarters location, and primary stock exchange listings are not provided in the available data, the company is described at the industry level only.
Analyst recommendations
21 analysts · consensus BuyAt a glance
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.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
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
- Congressional trades
- CongressLisa McClain — SBA Communications Corporation2025-09-25 · Republican · MI · Sale · $1,001 - $15,000
- CongressLisa McClain — SBA Communications Corporation2025-09-11 · Republican · MI · Purchase · $1,001 - $15,000
- CongressJulie Johnson — SBA Communications Corporation2025-04-01 · Democrat · TX · Sale · $1,001 - $15,000
- CongressJulie Johnson — SBA Communications Corporation2025-01-15 · Democrat · TX · Purchase · $1,001 - $15,000
- CongressRob Bresnahan — SBA Communications Corporation2025-01-13 · Republican · PA · Sale · $1,001 - $15,000
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
SBAC Bank PLC is a banking institution operating within the Financials sector, specifically engaged in the provision of banking and investment services. The company generates revenue primarily through interest income, consistent with standard industry practices for banks. As specific details regarding operating segments, headquarters location, and primary stock exchange listings are not provided in the available data, the company is described at the industry level only.
SBAC Bank PLC has a liquidity position that is characterized as medium, with a debt-to-equity ratio of 0.74, indicating a moderate level of leverage. The company's liquidity is further supported by an operating cash flow of 2,893,205,960 BDT, which is a positive sign for its ability to meet short-term obligations. However, the company's net cash position is negative after subtracting total debt, which could pose a liquidity risk.
In terms of profitability, SBAC Bank PLC has a return on equity (ROE) of 0.0048 and a return on assets (ROA) of 0.0005, which are both relatively low. These figures suggest that the company is not generating significant returns relative to its equity and asset base. The company's net income of 53,857,400 BDT is modest compared to its total assets of 117,264,133,170 BDT, indicating that the company may be facing challenges in converting its asset base into profit.
The company's revenue is concentrated in a single segment, as no specific segments are disclosed in the available data. This lack of diversification could expose the company to higher risk if the banking sector experiences a downturn. Additionally, the company's geographic exposure is not specified, which limits the understanding of its regional risk profile.
SBAC Bank PLC's growth trajectory is not clearly defined in the available data, as there are no specific growth metrics or outlooks provided. The company's capital expenditure of -117,696,910 BDT suggests that it is not investing heavily in new projects or infrastructure, which could impact its long-term growth potential. The company's revenue of 482,049,500 BDT is relatively stable, but without additional context on historical performance, it is difficult to assess the company's growth prospects.
The company's risk assessment indicates a medium liquidity risk and a low dilution risk. The key flag of a negative net cash position after subtracting total debt highlights a potential liquidity issue that could affect the company's ability to meet its obligations. The company's dilution risk is low, suggesting that there is little immediate threat of share dilution affecting shareholder value.
Recent events and filings for SBAC Bank PLC are not detailed in the available data, which limits the ability to assess the company's recent performance and strategic direction. The absence of specific events or transcripts means that the company's recent activities and management's outlook are not fully understood.
- SBAC Bank PLC has a moderate level of leverage with a debt-to-equity ratio of 0.74.
- The company's profitability is low, with a return on equity of 0.0048 and a return on assets of 0.0005.
- The company's liquidity is medium, with a negative net cash position after subtracting total debt.
- The company's growth trajectory is not clearly defined, and it is not investing heavily in new projects or infrastructure.
- The company's risk assessment indicates a medium liquidity risk and a low dilution risk.
Bull / Bear case
Generated · model-assistedRevenue grew 17.0% year-over-year to BDT 1.94 billion, demonstrating strong top-line expansion momentum.
Analysts project 24.5% upside to a mean price target of BDT 236.50, signaling positive market sentiment.
Total assets expanded 6.3% year-over-year to BDT 124.6 billion, indicating steady balance sheet growth.
Cash conversion of 53.72% ranks best-in-class among peers, highlighting superior operational efficiency.
Revenue compound annual growth rate of 15.1% over four years shows consistent long-term top-line performance.
Return on equity of 0.48% falls in the bottom quartile, significantly underperforming the 6.16% peer median.
High leverage band classification with a current ratio of 0.29 indicates potential short-term solvency risks.
In focus — financials by report
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- Director · Restricted Stock Units → Class A Common StockAcquired 1 108grant · 2026-05-22
- Director · Restricted Stock Units → Class A Common StockAcquired 1 108grant · 2026-05-22
- Director · Restricted Stock Units → Class A Common StockAcquired 1 108grant · 2026-05-22
- Director · Restricted Stock Units → Class A Common StockAcquired 1 108grant · 2026-05-22
- Director · Restricted Stock Units → Class A Common StockAcquired 1 108grant · 2026-05-22
- Director · Restricted Stock Units → Class A Common StockAcquired 1 108grant · 2026-05-22
- Director · Restricted Stock Units → Class A Common StockAcquired 1 108grant · 2026-05-22
- Director, CHAIRMAN · Restricted Stock Units → Class A Common StockAcquired 1 108grant · 2026-05-22
- Director · Restricted Stock Units → Class A Common StockAcquired 1 108grant · 2026-05-22
- Director · Stock Options (Right to Buy) → Class A Common StockDisposed 1 501 @ $212,31exercise · 2026-05-13
- Director · Stock Options (Right to Buy) → Class A Common StockDisposed 501 @ $212,31exercise · 2026-05-13
- Director · Stock Options (Right to Buy) → Class A Common StockDisposed 1 501 @ $212,31exercise · 2026-05-13
- Director · Stock Options (Right to Buy) → Class A Common StockDisposed 1 501 @ $212,31exercise · 2026-05-13
- Director · Restricted Stock Units → Class A Common StockDisposed 248exercise · 2026-05-01
- Director · Restricted Stock Units → Class A Common StockDisposed 302exercise · 2026-05-01
- Director · Restricted Stock Units → Class A Common StockDisposed 331exercise · 2026-05-01
- Director · Restricted Stock Units → Class A Common StockDisposed 248exercise · 2026-05-01
- Director · Restricted Stock Units → Class A Common StockDisposed 302exercise · 2026-05-01
- Director · Restricted Stock Units → Class A Common StockDisposed 331exercise · 2026-05-01
- Director · Restricted Stock Units → Class A Common StockDisposed 248exercise · 2026-05-01
- Director · Restricted Stock Units → Class A Common StockDisposed 302exercise · 2026-05-01
- Director · Restricted Stock Units → Class A Common StockDisposed 331exercise · 2026-05-01
- Director, CHAIRMAN · Restricted Stock Units → Class A Common StockDisposed 302exercise · 2026-05-01
- Director, CHAIRMAN · Restricted Stock Units → Class A Common StockDisposed 331exercise · 2026-05-01
- Director · Restricted Stock Units → Class A Common StockDisposed 331exercise · 2026-05-01
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- SBAC Bank PLC Market data — financials · 2026-05-29
Ownership & reference
Leadership
- Asif KhanExecutive Vice President
- Faisal AhmedExecutive Vice President
- Md. Abdul MannanExecutive Vice President
- Md. Abu Bayazid SkSenior Vice President
- Md. Salah UddinSenior Vice President
- Mohammad Marufur Rahman KhanSenior Vice President
- Mohammad Shafiul AzamSenior Vice President
- Salahuddin AhmedSenior Vice President
Insider activity
- Director · Class A Common StockOther 501 @ $212,31$106K · 2026-05-13
- Director · Class A Common StockOther 500 @ $213,61$107K · 2026-05-13
- Director · Class A Common StockOther 1 501 @ $212,31$319K · 2026-05-13
- Director · Class A Common StockOther 1 496 @ $213,61$320K · 2026-05-13
- Director · Class A Common StockOther 1 501 @ $212,31$319K · 2026-05-13
- Director · Class A Common StockOther 1 492 @ $213,61$319K · 2026-05-13
- Director · Class A Common StockOther 1 501 @ $212,31$319K · 2026-05-13
- Director · Class A Common StockOther 1 496 @ $213,61$320K · 2026-05-13
- Director · Class A Common StockOther 248 · 2026-05-01
- Director · Class A Common StockOther 302 · 2026-05-01
- Director · Class A Common StockOther 331 · 2026-05-01
- Director · Class A Common StockOther 326 @ $221,20$72K · 2026-05-01
- Director · Class A Common StockOther 248 · 2026-05-01
- Director · Class A Common StockOther 302 · 2026-05-01
- Director · Class A Common StockOther 331 · 2026-05-01
- Director · Class A Common StockOther 248 · 2026-05-01
- Director · Class A Common StockOther 302 · 2026-05-01
- Director · Class A Common StockOther 331 · 2026-05-01
- Director · Class A Common StockOther 326 @ $221,20$72K · 2026-05-01
- Director · Class A Common StockOther 248 · 2026-05-01
- Director · Class A Common StockOther 302 · 2026-05-01
- Director · Class A Common StockOther 331 · 2026-05-01
- Director · Class A Common StockOther 248 · 2026-05-01
- Director · Class A Common StockOther 302 · 2026-05-01
- Director · Class A Common StockOther 331 · 2026-05-01
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Return on assets (FY 2025-12-31): 9.1%Derived (calculated)
- Long-term debt (YoY) (2025-12-31 vs 2024-12-31): -5.1%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 1.4%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 5.0%Derived (calculated)
- Revenue (YoY) (2025-12-31 vs 2024-12-31): 5.1%Derived (calculated)
- Operating income (YoY) (2025-12-31 vs 2024-12-31): -6.5%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -3.3%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 40.6%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 41.2%Derived (calculated)
- Cost of revenue (YoY) (2025-12-31 vs 2024-12-31): 18.8%Derived (calculated)
- Net margin (FY 2025-12-31): 37.4%Derived (calculated)
- Gross margin (FY 2025-12-31): 75.5%Derived (calculated)
- Return on equity (FY 2025-12-31): -21.7%Derived (calculated)
- Current ratio (FY 2025-12-31): 0.29xDerived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): -1.5%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 41.2%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 39.4%Derived (calculated)
- Gross profit (YoY) (2025-12-31 vs 2024-12-31): 1.3%Derived (calculated)
- Operating income (annual): USD 1.34BSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 10SEC XBRL filing
- Cost of revenue (annual): USD 690.97MSEC XBRL filing
- Shares outstanding (annual): 105.67MSEC XBRL filing
- Shareholders' equity (annual): USD -4.85BSEC XBRL filing
- Current assets (annual): USD 773.43MSEC XBRL filing