AICLRs 31.0+9.1%BERGRs 36.5-14.4%PRLRs 147.7+44.2%AGLRs 16.9+69.1%KAPCORs 51.5+57.5%SITCRs 52.5-4.6%NMLRs 374.1+210.3%NETSOLRs 5,771.3+29.7%BOPRs 138.7-11.7%PSORs 443.1+105.3%NPLRs 18.7+89.3%FMLRs 288.6+94.9%MARIRs 23.5-11.0%THALLRs 140.6+110.3%NRLRs 61.3-22.3%HBLRs 451.9-6.7%SYSRs 1,566.1+36.2%GATMRs 79.9+33.4%GHGLRs 1,075.6+1.5%FCEPLRs 85.0+61.6%PNSCRs 566.1-42.5%AVNRs 463.8+57.3%FFLRs 135.5+33.3%AGTLRs 159.5-34.9%FEROZRs 274.0+45.3%SRVIRs 38.0+63.0%ILPRs 26.7+20.5%KELRs 71.8+64.8%MLCFRs 1.8-5.9%HTLRs 157.8+46.7%PIOCRs 54.6+58.7%IGIHLRs 98.5-4.8%EFERTRs 76.5+20.3%FFCRs 14.2-30.0%GHNIRs 476.1+34.4%PTCRs 14,713.1+1.5%TPLPRs 2,078.1+10.1%UBLRs 355.3-25.8%ISLRs 171.0+2.7%APLRs 38.3+9.0%ABOTRs 4.4-26.4%PKGSRs 61.2+35.3%FABLRs 263.0-1.9%ATLHRs 10.6-5.5%OGDCRs 71.0+43.4%MTLRs 106.9-27.7%NCLRs 5.7+56.9%UNITYRs 758.2+41.8%LUCKRs 67.7+22.9%KTMLRs 158.5+51.2%SNBLRs 172.8+16.1%BWCLRs 196.5+40.1%CHCCRs 25.0-4.0%ASTLRs 9.1+14.5%ITTEFAQRs 12.3-9.9%AGPRs 30.8-42.3%HINOONRs 61.3-35.9%ENGRORs 68.6+46.4%ATRLRs 26.4+81.9%SHELRs 187.1-5.4%JDWSRs 2.1+20.6%EFUGRs 50.9+44.1%KOHCRs 79.1+42.0%BNWMRs 54.3+62.8%GLAXORs 56.9+14.0%CNERGYRs 49.2-1.8%JSBLRs 377.8-24.1%SEARLRs 21.7-21.2%MCBRs 81.8-4.4%BAFLRs 110.1+14.1%TGLRs 236.2-8.1%NCPLRs 27.7+19.9%AIRLINKRs 81.3+23.7%PAELRs 27.5+77.4%PAKTRs 1.7+3.6%INDURs 74.3-34.6%EPCLRs 17.8-50.1%TRGRs 100.9+18.5%SNGPRs 3.6-7.2%MEBLRs 95.1+11.0%PPLRs 12.0+27.2%POLRs 149.8+69.1%BAHLRs 123.3-17.6%GWLCRs 18.0+9.8%ACPLRs 41.8+19.4%FCCLRs 146.4+6.4%HCARRs 752.9-10.6%NBPRs 173.6-16.9%FATIMARs 237.9+68.5%SSGCRs 12.9+40.7%AKBLRs 268.1-10.1%LOTCHEMRs 65.9-7.3%NATFRs 5.0-57.8%MUGHALRs 76.8-47.2%PSMCRs 514.2-32.5%ICIRs 268.1+5.8%HUBCRs 48.3+16.8%NESTLERs 4.6-50.6%ARPLRs 89.9-12.9%DGKCRs 681.9+39.9%PSELRs 113.5-0.4%AICLRs 31.0+9.1%BERGRs 36.5-14.4%PRLRs 147.7+44.2%AGLRs 16.9+69.1%KAPCORs 51.5+57.5%SITCRs 52.5-4.6%NMLRs 374.1+210.3%NETSOLRs 5,771.3+29.7%BOPRs 138.7-11.7%PSORs 443.1+105.3%NPLRs 18.7+89.3%FMLRs 288.6+94.9%MARIRs 23.5-11.0%THALLRs 140.6+110.3%NRLRs 61.3-22.3%HBLRs 451.9-6.7%SYSRs 1,566.1+36.2%GATMRs 79.9+33.4%GHGLRs 1,075.6+1.5%FCEPLRs 85.0+61.6%PNSCRs 566.1-42.5%AVNRs 463.8+57.3%FFLRs 135.5+33.3%AGTLRs 159.5-34.9%FEROZRs 274.0+45.3%SRVIRs 38.0+63.0%ILPRs 26.7+20.5%KELRs 71.8+64.8%MLCFRs 1.8-5.9%HTLRs 157.8+46.7%PIOCRs 54.6+58.7%IGIHLRs 98.5-4.8%EFERTRs 76.5+20.3%FFCRs 14.2-30.0%GHNIRs 476.1+34.4%PTCRs 14,713.1+1.5%TPLPRs 2,078.1+10.1%UBLRs 355.3-25.8%ISLRs 171.0+2.7%APLRs 38.3+9.0%ABOTRs 4.4-26.4%PKGSRs 61.2+35.3%FABLRs 263.0-1.9%ATLHRs 10.6-5.5%OGDCRs 71.0+43.4%MTLRs 106.9-27.7%NCLRs 5.7+56.9%UNITYRs 758.2+41.8%LUCKRs 67.7+22.9%KTMLRs 158.5+51.2%SNBLRs 172.8+16.1%BWCLRs 196.5+40.1%CHCCRs 25.0-4.0%ASTLRs 9.1+14.5%ITTEFAQRs 12.3-9.9%AGPRs 30.8-42.3%HINOONRs 61.3-35.9%ENGRORs 68.6+46.4%ATRLRs 26.4+81.9%SHELRs 187.1-5.4%JDWSRs 2.1+20.6%EFUGRs 50.9+44.1%KOHCRs 79.1+42.0%BNWMRs 54.3+62.8%GLAXORs 56.9+14.0%CNERGYRs 49.2-1.8%JSBLRs 377.8-24.1%SEARLRs 21.7-21.2%MCBRs 81.8-4.4%BAFLRs 110.1+14.1%TGLRs 236.2-8.1%NCPLRs 27.7+19.9%AIRLINKRs 81.3+23.7%PAELRs 27.5+77.4%PAKTRs 1.7+3.6%INDURs 74.3-34.6%EPCLRs 17.8-50.1%TRGRs 100.9+18.5%SNGPRs 3.6-7.2%MEBLRs 95.1+11.0%PPLRs 12.0+27.2%POLRs 149.8+69.1%BAHLRs 123.3-17.6%GWLCRs 18.0+9.8%ACPLRs 41.8+19.4%FCCLRs 146.4+6.4%HCARRs 752.9-10.6%NBPRs 173.6-16.9%FATIMARs 237.9+68.5%SSGCRs 12.9+40.7%AKBLRs 268.1-10.1%LOTCHEMRs 65.9-7.3%NATFRs 5.0-57.8%MUGHALRs 76.8-47.2%PSMCRs 514.2-32.5%ICIRs 268.1+5.8%HUBCRs 48.3+16.8%NESTLERs 4.6-50.6%ARPLRs 89.9-12.9%DGKCRs 681.9+39.9%PSELRs 113.5-0.4%

Compare Watch

MCB

REDUCE

MCB Bank Limited

Commercial Banks · 4.35% of the KSE-100

Price

Rs 81.81

Market cap

Rs 244.3bn

12-month return

-4.4%

Rank

69 of 101

45composite

Rule-based50

ML ranker37

Conviction47

Why the engine ranks it here

MCB Bank Limited (MCB) screens poorly against the rest of the KSE-100, ranking 69 of 101 on a composite score of 45/100.

MCB Bank Limited sits in the Commercial Banks sector and scores best on growth (72/100), weakest on balance-sheet strength (35/100). At PKR 81.81 the shares trade on a P/E of 0.7x, 0.12x book, a 60.0% dividend yield. The Piotroski F-Score is 5 of 9 (mixed) and the Altman Z''-Score is not applicable to financials.

What it does well

MCB grew revenue 21.5% over the last year.

Growth

MCB is unusually steady at 16.8% annualised volatility.

Price trend

MCB sits at -1.6x net debt to EBITDA.

Balance-sheet strength

What holds it back

MCB carries heavy debt at 1.14x of equity.

Balance-sheet strength

MCB funds only 6.1% of assets with equity.

Balance-sheet strength

MCB free cash flow is 1593.9% of sales.

Profitability & earnings quality

What would change this view

→ a reduction in net debt or a visible improvement in interest cover

Five-pillar breakdown

Each pillar scores the company against sector peers, where 50 is the sector average.

Profitability & earnings quality30% weight39

Valuation25% weight61

Balance-sheet strength20% weight35

Growth15% weight73

Price trend10% weight50

The classic screens

Piotroski tests nine accounting facts about improvement; Altman scores the distance from financial distress.

Piotroski F-Score

5 / 9

mixed · 5 of 9 tests passed

Altman Z''-Score

n/a

Not applicable to banks and insurers

Profitable on assets

ROA 1.2%

Cash generative

CFO PKR 50,702,274m

Returns improving

ROA 1.2% vs 1.3% a year ago

Earnings backed by cash

CFO PKR 50,702,274m vs profit PKR 339,076m

Deleveraging

debt/assets 0.07 vs 0.08

Capital strengthening

equity/assets 6.1% vs 6.1%

Spread widening

net margin 10.7% vs 12.8%

Balance sheet productivity

revenue/assets 0.096 vs 0.105

No shareholder dilution

2,986m shares vs 2,986m

Price history

Weekly closes. Beta 0.84 against the index, annualised volatility 17%, RSI 46.

+140.9% over this window

Reported accounts

The last twelve quarters as filed, in PKR millions. The publication date is what the engine uses to decide when a figure became knowable.

Quarter	Revenue	Gross profit	Operating	Net income	EPS	Filed
2025 Q4	Rs 854.5bn	Rs 529.8bn	Rs 108.1bn	Rs 90.9bn	30.45	2026-04-30
2025 Q3	Rs 831.3bn	Rs 515.4bn	Rs 105.2bn	Rs 90.0bn	30.13	2025-11-14
2025 Q2	Rs 844.7bn	Rs 523.7bn	Rs 106.8bn	Rs 90.5bn	30.33	2025-08-14
2025 Q1	Rs 819.9bn	Rs 508.3bn	Rs 103.7bn	Rs 85.2bn	28.53	2025-05-15
2024 Q4	Rs 683.1bn	Rs 423.5bn	Rs 86.4bn	Rs 73.4bn	24.58	2025-04-30
2024 Q3	Rs 625.6bn	Rs 387.8bn	Rs 79.1bn	Rs 76.3bn	25.56	2024-11-14
2024 Q2	Rs 658.8bn	Rs 408.4bn	Rs 83.3bn	Rs 87.1bn	29.18	2024-08-14
2024 Q1	Rs 687.5bn	Rs 426.2bn	Rs 87.0bn	Rs 87.4bn	29.28	2024-05-15
2023 Q4	Rs 644.2bn	Rs 399.4bn	Rs 81.5bn	Rs 85.0bn	28.46	2024-04-29
2023 Q3	Rs 641.8bn	Rs 397.9bn	Rs 81.2bn	Rs 88.6bn	29.68	2023-11-14
2023 Q2	Rs 676.6bn	Rs 419.5bn	Rs 85.6bn	Rs 92.5bn	30.99	2023-08-14
2023 Q1	Rs 674.7bn	Rs 418.3bn	Rs 85.3bn	Rs 85.4bn	28.60	2023-05-15

Ranked against Commercial Banks

Every peer in the same sector, ordered by composite score. These are the companies whose ratios set this one's z-scores.

BOPThe Bank of Punjab0.4x69

HBLHabib Bank Limited1.2x65

UBLUnited Bank Limited0.5x56

FABLFaysal Bank Limited1.3x54

SNBLSoneri Bank Limited1.5x50

JSBLJS Bank Limited1.2x46

MCBMCB Bank Limited0.7x45

BAFLBank Alfalah Limited0.4x45

MEBLMeezan Bank Limited1.0x41

BAHLBank AL Habib Limited0.2x39

NBPNational Bank of Pakistan1.9x37

AKBLAskari Bank Limited1.7x35

Scored as of 31 December 2025. Generated by an automated screen for research and educational use. Not investment advice, and not a substitute for a SECP-licensed adviser.