UBL United Bank share price
▼ −3.58 (−0.80%)
Vol 3M · Close · 11 Nov 2026 ● live
As of 11 Nov 2026, the United Bank (UBL) share price is Rs 441.72 (−0.80% on the day). Over the last year it has moved +19.67%. Its market capitalisation is about Rs 1.1T. The trailing dividend yield is 7.24%. United Bank is in the Commercial Banks sector, and is a KSE-100 member. Its last cash dividend was Rs 8.00 a share, ex-date 22 Oct 2026.
- Market cap
Market cap
What the whole company costs at today's price.
How it's worked out
Share price multiplied by every share in issue.
How to read it
It is the company's size, not its value. A big number does not mean the price is high against earnings, and a small one does not mean it is low — that is what the ratios below are for.
- Rs 1.1T
- as of 11 Nov 2026
- Price per rupee earned
Price per rupee earned
Rupees you pay for each rupee the company earned last year.
How it's worked out
Share price divided by earnings per share over the last twelve reported months.
How to read it
Lower only means something against something — the same company's history, its sector, or the market. On its own this ratio says very little, and it is blank when a company lost money.
- 7.7×
- price-to-earnings · unconsolidated, no filed twelve months of ours to compare with (PSX screener)
- Dividend yield
Dividend yield
Cash paid out over the last year as a percentage of today's price.
How it's worked out
Dividends per share over twelve months divided by the share price.
How to read it
A very high yield is often a warning, not a gift: it usually means the price fell. Check the payout ratio next to see whether earnings actually cover it.
- 7.24%
- Rs 32.00/sh last 12m ÷ Rs 441.72
- Avg volume (30d)
Average volume
Shares changing hands on a typical day.
How it's worked out
The mean daily volume over thirty sessions.
How to read it
Shares, not rupees — a million shares of a Rs 3 stock is a small market. "Traded per session" is the version in money.
- 1.2M
UBL earnings per share: Rs 51.33 · unconsolidated · the year to 31 Dec 2025 · PSX company page
- 1W
- +4.67%
- 1M
- +7.50%
- 3M
- −5.86%
- 6M
- +12.10%
- YTD
- +4.03%
- 1Y
- +19.67%
- Free float
Free float
The shares that can actually be bought and sold.
How it's worked out
Total shares minus the blocks held by sponsors, the government and other locked-in holders, as the exchange reports them.
How to read it
The float, not the market cap, is what sets how easily a real position can be built or unwound.
- 876M
- 35% of shares
- Shares outstanding
- 2.5B
- Day range
- 439.00 – 450.50
- prev close 445.30
- Shariah
- Not compliant
What's good about UBL
Read off the numbers below · 11 Nov 2026
Every line states the bar it was judged against, so you can disagree with the bar rather than argue with a verdict. Nothing here is scored or ranked, and where a number is missing the sentence is simply not written.
One side only: No rule in SuperX's list found anything to put against UBL from the numbers it holds. That is an absence of a measurement that cleared a bar, not a finding of nothing.
In its favour
-
The multiple is covered by growth — a PEG of 0.30.
PEG below 1 on three-year earnings growth
-
Paid 4 times in the last twelve months.
Four or more cash dividends in a year
-
Earnings per share compounded 25% a year over three years.
Three-year EPS growth of 15% or more
-
A Rs 1,000,000 order is a rounding error in a normal session.
Under 5% of a session's turnover
-
It beat the KSE-100 by 13 points over the last year.
Ten points or more ahead of the index over a year
Not advice, and not a score. These are descriptions of numbers SuperX holds, nothing more.
UBL in figures
Numbers SuperX holds, as of 11 Nov 2026. Each one names its basis and its date. Not advice.
Return over time
The stock runs to the quote of 15:45 on 11 Nov 2026. The sector median runs to the close of 11 Nov 2026, over 18 companies.
| Over | Price only | With dividends | KSE-100 | Sector median |
|---|---|---|---|---|
| 1 monthfrom 12 Oct 2026, price Rs 410.91 | +7.50% | +9.45%dividends Rs 8.00 | +8.45% | +6.92% (18 companies) |
| 3 monthsfrom 13 Aug 2026, price Rs 469.23 | -5.86% | -4.16%dividends Rs 8.00 | -0.57% | -6.14% (18 companies) |
| 6 monthsfrom 13 May 2026, price Rs 394.05 | +12.10% | +16.16%dividends Rs 16.00 | +6.95% | +2.97% (18 companies) |
| Since 1 Januaryfrom 31 Dec 2025, price Rs 424.59 | +4.03% | +11.57%dividends Rs 32.00 | +2.89% | -5.92% (18 companies) |
| 1 yearfrom 11 Nov 2025, price Rs 369.13 | +19.67% | +28.34%dividends Rs 32.00 | +13.44% | -1.08% (18 companies) |
price: adjusted closes to the live quote; total: plus cash dividends (payout notices, one row per ex-date, restated for later bonus or rights issues), not reinvested; kse100: an index that reinvests dividends
Key figures against the sector
Sector: COMMERCIAL BANKS (code 0807), 18 other companies. PSX sector; active common stocks with a close in the last 10 sessions; the company itself and retired or duplicate tickers excluded; blank under 5
| Price per rupee earned | 7.65× | sector median 6.79× (18 companies) · 12.7% above the sector median · the word is used when the gap is more than 10% · above 11 of 18 sector companiesunconsolidated, no filed twelve months of ours to compare with (PSX screener) |
| Dividend yield | 7.24% | 15 of 18 sector companies pay a dividend · median over payers only: 8.93% (15 companies) · 18.9% below the sector median · the word is used when the gap is more than 10% · above 5 of 15 sector companiescash dividends of the twelve months to the as-of date over the price |
| Net profit as a share of sales | 10.80% | sector median 10.42% (18 companies) · level with the sector median · the word is used when the gap is more than 10% · above 9 of 18 sector companiesyear to 31 Dec 2025, filed, unconsolidated |
| Move with the KSE-100 (beta), 1 year | 1.24 | sector median 0.92 (18 companies) · 35.6% above the sector median · the word is used when the gap is more than 10% · above 14 of 18 sector companiesdaily returns of the year to 11 Nov 2026 against the KSE-100 |
| Return over 1 year, with dividends | 28.33% | sector median 8.25% (18 companies) · 243.4% above the sector median · the word is used when the gap is more than 10% · above 14 of 18 sector companiesclose to close over one year, adjusted closes, plus cash dividends of the exchange's payout notices, not reinvested |
Results, by period end
unconsolidated, as filed · financial year ends 31 December · 4 of 5 years held
| Period | Earnings per share (Rs) | Sales (Rs thousand) | Net profit as a share of sales | Change in earnings per share on the year before |
|---|---|---|---|---|
| Year to 31 Dec 2025 | 51.33 | 419,560,197 | 10.80% | +56.1% |
| Year to 31 Dec 2024 | 32.89 | 260,908,948 | 7.42% | -24.3% |
| Year to 31 Dec 2023 | 43.44 | 165,752,870 | 10.20% | +65.9% |
| Year to 31 Dec 2022 | 26.19 | 137,651,892 | 12.79% | — |
| Quarter | Earnings per share (Rs) | Change on the same quarter a year before |
|---|---|---|
| Quarter to 30 Sep 2026 | 12.07 | -12.9% |
| Quarter to 30 Jun 2026 | 14.37 | +27.6% |
| Quarter to 31 Mar 2026 | 19.56 | — |
| Quarter to 30 Sep 2025 | 13.86 | — |
Dividends, by financial year
cash dividends by the fiscal year of the ex-date. Twelve months from 11 Nov 2025: Rs 32.00 a share.
| Financial year | Paid a share | Payouts |
|---|---|---|
| Year to 31 Dec 2026 (year in progress) | Rs 32.00 | 4 |
| Year to 31 Dec 2025 | Rs 27.00 | 4 |
| Year to 31 Dec 2024 | Rs 22.00 | 4 |
| Year to 31 Dec 2023 | Rs 21.00 | 4 |
| Year to 31 Dec 2022 | Rs 9.50 | 4 |
| Year to 31 Dec 2021 | Rs 2.00 | 1 |
payout notices, one row per ex-date, as paid
Who holds the shares
- Free float
- 35.0% of sharesas of 11 Nov 2026
- Held in the central depository, other than by the government
- 99.6%as of 30 Nov 2025
- Shares financed through margin trading, open
- 2,212,883as of 10 Nov 2026
Where the price stands
- Place in the 52-week range
- 66.4% of the way from the low to the highrange taken from intraday prices, as of 11 Nov 2026
- Reading of the last 14 sessions
- 64.9 on a scale of 0 to 100, between 30 and 70below 30 and above 70 mark the two outer bands
Next results
Year to 31 Dec 2026: expected between 16 Feb 2027 to 26 Feb 2027.
A projection, not an announced date. Basis: typical lag over 8 filings, as of 11 Nov 2026.
Grades, A to F
As of 11 Nov 2026. percentile among the traded universe, 0-100, cut in fifths. Weights: equal: a factor's score is the plain mean of its inputs' percentiles. A: percentile >= 80 (the top 20 %), B: >= 60, C: >= 40, D: >= 20, F: below 20 (the bottom 20 %). A percentile is the mid-rank: 100 x (scrips below + half the scrips equal) / scrips with the figure. Among: all listed shares, excluding debt and ETFs; market-wide percentiles, not sector-relative, 392 companies. Graded: /screens/table rows with at least Rs 10 m traded over the last 20 sessions, on at least 18 of them. Estimate revisions are not graded: PSX scrips have no published consensus estimates, so there is no estimate revision to grade.
ahead of 82.4% of graded companies · 2 of 3 figures held
- earnings over price: 13.07, ahead of 58% of companies
- dividend yield: 7.24, ahead of 88% of companies
ahead of 72.8% of graded companies · 1 of 2 figures held
- earnings per share growth, 3 years: 25.14, ahead of 69% of companies
ahead of 65.0% of graded companies · 1 of 2 figures held
- net profit as a share of sales: 10.80, ahead of 66% of companies
ahead of 76.0% of graded companies · 3 of 3 figures held
- return, 3 months: -5.86, ahead of 58% of companies
- return, 6 months: 12.10, ahead of 72% of companies
- return, 1 year: 19.67, ahead of 72% of companies
Facts only: each letter is where the scrip's own figures stand among the traded universe on this session's data. It is not advice and not a forecast.
Sources and dates
- returns: daily closes, index closes, as of 11 Nov 2026
- dividends: payout notices, bonus and rights adjustments, as of 4 Nov 2026
- results: filed accounts (PSX company page), as of 30 Sep 2026
Trend read
Leaning Up
Since 10 Nov 2026 · daily closes to 11 Nov 2026
- •Above the 50-day average
- •Up 7.5% over 1 month
- •Volume 2.1× the 20-day average
A description of the price series — moving averages, momentum, the 52-week position — held for three closes before it changes. It is a label, not advice. How it works →
- Buying vs selling, 14 sessions
Buying vs selling, 14 sessions
Whether recent buying or selling has run hot.
How it's worked out
Fourteen sessions of gains weighed against losses, on a 0–100 scale.
How to read it
Above 70 is called overbought and below 30 oversold. A share that keeps rising can sit above 70 for months, so this describes what the price has done; it does not forecast a turn.
- 65
- neutral band
- vs 50-day avg
- +5.0%
- SMA Rs 420.60
- vs 200-day avg
- +3.3%
- SMA Rs 427.48
- Beta vs KSE-100
Beta
How hard it swings when the market swings.
How it's worked out
The slope of this stock's daily returns against the KSE-100's, over a year of sessions.
How to read it
1.0 moves with the market, 1.5 exaggerates it by half, below 1 is steadier. It says nothing about direction, only about size.
- 1.24
- correlation 0.84 · 1Y
- Volatility
Volatility, 30-day
How jumpy it has been lately, stated per year.
How it's worked out
The standard deviation of the last 30 days of returns, annualised.
How to read it
30% means a typical year's swing of about thirty percent either way. Rising volatility often arrives before news does.
- 24%
- 30d · 25% 90d, annualised
- Max drawdown · 1Y
Biggest drawdown
The worst peak-to-trough fall of the last year.
How it's worked out
The largest drop from any high to any subsequent low over 250 sessions.
How to read it
The number that tells you whether you could have held it. Most people discover their real risk tolerance somewhere inside this figure.
- −39.2%
- Volume vs 20-day avg
Volume vs normal
How busy today was against a typical day.
How it's worked out
The latest session's volume divided by the twenty-day average.
How to read it
Above 2 means something happened — an announcement, a block, a rumour. Check the news before reading anything into the price.
- 2.06×
- avg 1.6M
- 52-week signal
Position in 52-week range
Where today's price sits between the year's low and high.
How it's worked out
Zero at the 52-week low, 100 at the high.
How to read it
Near 100 is strength or froth; near 0 is a bargain or a falling knife. The number tells you where you are, never which of the two.
- Inside range
- Stats as of
- 11 Nov 2026
How does UBL’s valuation compare with its sector?
Computed from reported filings and UBL's own price history · 11 Nov 2026
One ratio on its own says little. These put UBL's valuation next to its sector and the market, its dividend next to its earnings, its quoted price next to how much of it actually trades, and its return next to the risk taken to earn it.
Valuation in context
- Earnings yield
Earnings yield
What the business earns on its price, so it lines up with a savings rate.
How it's worked out
Earnings per share divided by the share price — the price-to-earnings ratio turned over.
How to read it
If a company earns 17% against its price and a T-bill pays 12%, you can finally compare the two. It is what the business earns, not what it pays you — the dividend yield is the cash that reaches your account.
- 13.07%
- Price to sales
Price to sales
What you pay for each rupee of revenue.
How it's worked out
Market cap divided by the latest reported annual sales.
How to read it
Useful where earnings are negative or lumpy and a price-to-earnings ratio says nothing. It ignores costs entirely, so a low number does not mean a good business.
- —
- Price, earnings and growth together
Price, earnings and growth together
The price per rupee earned, measured against how fast earnings are growing.
How it's worked out
The price-to-earnings ratio divided by the three-year growth rate of earnings per share.
How to read it
Under 1 is the old rule of thumb for a multiple that growth justifies. Blank when earnings are shrinking, because the ratio flips sign and stops meaning anything.
- 0.30
- vs the KSE-100's own multiple
vs the KSE-100's own multiple
Whether a rupee of this company's earnings costs more or less than the market's.
How it's worked out
Its price-to-earnings ratio against the KSE-100's, which we compute as the total market cap of the index over the total earnings of its members.
How to read it
−30% means it trades thirty percent below the market's multiple. Below the market is a question, not an answer: often the market is right about why.
- -5%
- Position in 52-week range
Position in 52-week range
Where today's price sits between the year's low and high.
How it's worked out
Zero at the 52-week low, 100 at the high.
How to read it
Near 100 is strength or froth; near 0 is a bargain or a falling knife. The number tells you where you are, never which of the two.
- 66%
- vs KSE-100, one year
vs KSE-100, one year
How far ahead of or behind the market it finished.
How it's worked out
Its one-year return minus the KSE-100's, in percentage points.
How to read it
"Up 12%" means one thing when the index rose 20% and another when it fell. Unlike alpha, this ignores how much market risk was carried to get there.
- +13.0 pts
It costs less for each rupee earned than 40% of the commercial banks companies with reported earnings, and it yields more than 28% of them.
Income & quality
- Dividend per share, 12 months
Dividend per share
The actual rupees per share paid out over the last twelve months.
How it's worked out
Every cash dividend with an ex-date in the last year, added up from the exchange's own book-closure notices.
How to read it
Multiply by your shares and that is the cash that reached you, before tax. Bonus shares are not in here — they are not money.
- Rs 32.00
- Cash dividends paid, 12 months
Dividends paid
How many times it paid cash in the last twelve months.
How it's worked out
A count of cash dividends with an ex-date in the last year.
How to read it
Four usually means a quarterly payer, one means an annual one. A steady cadence is worth more to an income investor than a single big number.
- 4
- Payout ratio
Payout ratio
How much of its profit the company hands to shareholders.
How it's worked out
Dividend per share over the last year divided by earnings per share.
How to read it
Above 100% means it paid out more than it earned — possible from reserves for a year, not for five. Low means it is keeping money to reinvest, which is not automatically bad.
- 62%
- Dividend cover
Dividend cover
How many times over the earnings could pay the dividend.
How it's worked out
Earnings per share divided by dividend per share — the payout ratio the other way round.
How to read it
Above 2 is comfortable. Below 1 means the dividend is coming from somewhere other than this year's profit.
- 1.60×
- Net margin
Net margin
How much of every rupee of sales survives to profit.
How it's worked out
Net profit after tax divided by sales, from the annual filing.
How to read it
Compare it only within an industry — a supermarket at 3% can be healthier than a manufacturer at 10%. The direction matters more than the level.
- 10.8%
- Margin, 3-year change
Margin, 3-year change
Whether the business is getting more or less profitable.
How it's worked out
The latest net margin minus the one three years earlier, in percentage points.
How to read it
A widening margin on flat sales is a company with pricing power. A shrinking one is usually costs, competition, or both.
- -2.0 pts
- EPS growth, 3-year
EPS growth, 3-year
How fast profit per share has compounded.
How it's worked out
The annual rate that turns the earnings per share of three years ago into today's.
How to read it
Blank if the company was losing money three years ago — a move from a loss to a profit has no meaningful growth rate, and printing one would be arithmetic pretending to be insight.
- +25.1% a year
- Sales growth, 3-year
Sales growth, 3-year
How fast revenue has compounded.
How it's worked out
The annual rate that turns the sales of three years ago into today's.
How to read it
Read it next to EPS growth. Sales rising faster than profit means the growth is being bought with margin.
- —
It paid out 62% of earnings and kept the rest.
Can you actually trade it
- Median traded per session
Traded per session
The rupees that change hands on a typical day.
How it's worked out
The median of price times volume over the last 60 sessions — the median, so one block trade cannot make a dead stock look busy.
How to read it
This is the number that decides whether the quoted price is a price you can actually get.
- Rs 429M
- Sessions to trade Rs 1M
Sessions to trade Rs 1M
How long it would take to trade into or out of a Rs 1,000,000 position.
How it's worked out
Rs 1,000,000 divided by the median rupees traded a session.
How to read it
Under 0.01 and your order is a rounding error. Above 1 and you are the day's volume — expect to move the price against yourself getting out.
- <0.01
- Untraded sessions, last 60
Untraded sessions
Days in the last 60 when literally nothing traded.
How it's worked out
A count of sessions with zero volume.
How to read it
Any number above zero means there are days you could not have sold at any price. On PSX this is common well outside the KSE-100.
- 0
- Daily volume vs free float
Daily volume vs free float
What share of the tradable stock changes hands on a normal day.
How it's worked out
Average daily volume divided by the free float — the shares not locked up by sponsors.
How to read it
A company can be huge and still barely trade if the family owns 90% of it. This separates size from liquidity.
- 0.18%
- Price impact per Rs 1M traded
Price impact per Rs 1M
How much a Rs 1,000,000 order moves the price on a typical day.
How it's worked out
We take the size of the price move on each day and divide it by the money traded that day, then scale it to a Rs 1,000,000 order. We use the middle value over the last year. Traders call this the Amihud ratio. It is shown in basis points: 100 basis points is 1%, so 0.07 basis points is 0.0007%.
How to read it
A small number means an order of this size barely moves the price. A large number means the price moves a lot when someone buys or sells this much.
- 0.20 bps
- Implied bid-ask spread
Implied bid-ask spread
The hidden cost of a round trip, estimated from the price series.
How it's worked out
Roll's estimator: prices bounce between bid and ask, and the size of that bounce implies the spread.
How to read it
It is the toll you pay to enter and leave, before any brokerage. Blank when the price is trending rather than bouncing, because then the model does not apply and we would rather say nothing.
- 0.69%
- Float turned over, one year
Float turned over, one year
How many times the tradable stock changed hands in a year.
How it's worked out
A year's volume divided by the free float. Exchanges publish this about themselves; this is the same measure for one company.
How to read it
100% means the entire float turned over once. Single digits mean a register that never moves, whatever the market cap says.
- 60%
- Sessions with a trade, one year
Sessions with a trade
How often it trades at all.
How it's worked out
The share of the last 250 sessions with any volume.
How to read it
Anything below 100% means there were days with no market. Below 90% is more than 25 such days in the last 250 — on each of those days no trade happened at any price, so an order placed that day did not execute.
- 100%
Liquidity is deep: a Rs 1,000,000 order is about a rounding error in a normal session's turnover.
A Rs 1,000,000 ticket barely registers — about 0.20 basis points on the median session, measured the way a trading desk measures it.
What the risk paid
- Total return, one yearincl. dividends
Total return, one year
What a holder actually made, dividends included.
How it's worked out
The price move over twelve months plus every cash dividend paid in that window, counted as received on its ex-date.
How to read it
Every other PSX site quotes the price move alone. On a market yielding what this one does, that understates what holders made by a third or more.
- +28.3%
- — from the price
- +19.7%
- — from dividends
— from dividends
The part of the year's return that arrived as cash.
How it's worked out
Dividends per share over the year divided by the price twelve months ago.
How to read it
The half of the return a price chart cannot show you. For many PSX names it is most of it.
- +8.7%
- Return per unit of risk
Return per unit of risk
How much you were paid for how rough the ride was.
How it's worked out
The one-year return divided by the annualised volatility of the daily moves.
How to read it
Two stocks up 20% are not the same if one did it calmly and the other halved on the way. Deliberately not a Sharpe ratio: quoting a risk-free rate for Pakistan means picking a T-bill tenor and pretending that was your alternative.
- 0.49
- Alpha vs KSE-100, one year
Alpha vs KSE-100
The part of the year's return the market does not explain.
How it's worked out
The stock's return minus its beta times the index's return.
How to read it
A high-beta name rising in a rising market has done nothing clever. This strips that out and leaves what was actually the company's doing.
- +11.4 pts
- Caught of the market's up moves
Caught of the market's up moves
How much of the market's good days this stock catches.
How it's worked out
The stock's total return across the index's up days, divided by the index's own.
How to read it
Above 100 means it rises more than the market does. Read it with down capture — the pair is the whole picture, either half alone flatters.
- 130%
- Caught of its down moves
Caught of its down moves
How much of the market's bad days this stock catches.
How it's worked out
The stock's total return across the index's down days, divided by the index's own.
How to read it
Below 100 means it falls less than the market. Above 100 means it falls further than the market does on the market's bad days, which a headline return usually hides.
- 127%
- Worst day in twenty
Worst day in twenty
The fall to expect on a bad day.
How it's worked out
The fifth-percentile daily return over the last year — the actual distribution, not a bell curve.
How to read it
One session in twenty is at least this bad. It is a normal day at the office, not a crash, and the crash is worse than this by definition.
- −3.5%
- Below its 52-week high
Below its 52-week high
How far under its best price of the year it sits now.
How it's worked out
The 52-week high minus today's price, as a percentage of that high.
How to read it
Different from the biggest drawdown, which is the worst it ever got. This is the hole still to climb out of.
- 14.6% · 188 sessions
Dividends were 31% of what a holder made over the year — the part a price chart never shows.
United Bank filings and reports
37 documents United Bank has published — annual reports, quarterly accounts and briefing decks. PSX filings are marked PSX; the rest come from the company’s own investor relations page. Links open the original PDF at the source.
SuperX keeps 10 annual reports for this company and has read none of them yet. Until one is read, this page has no balance sheet for UBL — no return on equity, no book value, no gearing. The reports are linked below and the figures are in them.
Annual reports · 10
- Annual report 2025 PSX
- Annual report 2024 Company
- Annual report 2023 Company
- Annual report 2022 Company
- Annual report 2021 Company
- Annual report 2020 Company
- Annual report 2019 Company
- Annual report 2018 Company
and 2 more
Quarterly accounts · 27
- Financial Results for the Quarter ended 30 September 2026 PSX
- Quarterly report 2026 PSX
- Financial Results for the Quarter ended 30 June 2026 PSX
- Financial Results for the Quarter ended March 31, 2026 PSX
- Quarterly report 2026 PSX
- Quarterly report 2025 Company
- Quarterly report 2025 Company
- Quarterly report 2025 Company
and 19 more
What matters now for UBL
Three dated records out of UBL’s own history, read against the last session SuperX holds, 11 Nov 2026. Each line is a row, not a summary.
-
Last ex-dividend
22 Oct 2026
Ex-dividend Rs 8
the first day a buyer gets no dividend. 20 days before 11 Nov 2026.
-
Next results
16 Feb 2027
annual results due 2027-02-16 – 2027-02-26
projected — A window SuperX projected from this company’s own past filing dates. Not a date the company gave. 97 days after 11 Nov 2026.
-
Last large move
10 Nov 2026
+4.69%
UBL closed up 4.7% at Rs 445.30. This was a sector day. 17 of 19 COMMERCIAL BANKS stocks rose. The typical one rose 3.0%. 4.3 million shares traded, 3.4 times a normal day. UBL filed nothing that moves a price, that session or the day before.
UBL’s dated record
The exchange’s own record and ours: ex-dividends, book closures, results, every session move of 3% or more with the reason written out, the notices that move a price, and the news about United Bank. Dates that have not happened are kept apart from dates that have, and each one says whether it was announced or projected.
Ahead · 1
These dates are after 11 Nov 2026. None of them has happened. A row marked projected is SuperX’s own window, built from how late this company has filed before; a row marked announced is a date on the exchange’s record.
- 16 Feb 2027 Results annual results due 2027-02-16 – 2027-02-26 projected — A window SuperX projected from this company’s own past filing dates. Not a date the company gave.
The last 90 days · 12
4 dates below carry more than one row, shaded and marked same date. These rows share one date. SuperX holds no time of day for them, so the order here is this page’s own and not a sequence. Neither row is shown as the cause of the other.
-
10 Nov 2026
- Move +4.69% UBL closed up 4.7% at Rs 445.30. This was a sector day. 17 of 19 COMMERCIAL BANKS stocks rose. The typical one rose 3.0%. 4.3 million shares traded, 3.4 times a normal day. UBL filed nothing that moves a price, that session or the day before.
- News “UBL, HBL and BAFL earnings estimates revised upward” — Business Recorder ↗
same date · 2 rows · no time of day held
-
4 Nov 2026
- News “UBL faces mounting cost pressures as quarterly profit falls” — The Nation ↗
- News “UBL named Best Bank of the Year 2025 in Large Banks Category by CFA Society Pakistan” — Business Recorder ↗
same date · 2 rows · no time of day held
-
22 Oct 2026
- Ex-dividend Ex-dividend Rs 8
-
16 Oct 2026
- Notice financial results Financial Results for the Quarter ended 30 September 2026
- Results nine_months results (2026-09-30)
same date · 2 rows · no time of day held
-
13 Oct 2026
- News “UBL Rural Bank and UATC sign strategic alliance” — Business Recorder ↗
- News “UBL Rural Bank, UATC sign strategic alliance to expand tractor financing for farmers” — The Nation ↗
same date · 2 rows · no time of day held
-
7 Oct 2026
- Notice board meeting Board Meeting of United Bank Limited (UBL)
Earlier · 58
Ex-dividend 21 ex-dividends, 26 Aug 2021 to 31 Jul 2026 open
- 31 Jul 2026 Ex-dividend Rs 8
- 23 Apr 2026 Ex-dividend Rs 8
- 19 Mar 2026 Ex-dividend Rs 8
- 23 Oct 2025 Ex-dividend Rs 8
- 18 Jul 2025 Ex-dividend Rs 8
- 28 Apr 2025 Ex-dividend Rs 5.5
- 11 Mar 2025 Ex-dividend Rs 5.5
- 1 Nov 2024 Ex-dividend Rs 5.5
- 8 Aug 2024 Ex-dividend Rs 5.5
- 25 Apr 2024 Ex-dividend Rs 5.5
- 7 Mar 2024 Ex-dividend Rs 5.5
- 3 Nov 2023 Ex-dividend Rs 5.5
- 27 Jul 2023 Ex-dividend Rs 5.5
- 10 May 2023 Ex-dividend Rs 5.5
- 20 Mar 2023 Ex-dividend Rs 4.5
- 31 Oct 2022 Ex-dividend Rs 2
- 15 Aug 2022 Ex-dividend Rs 2
- 27 Apr 2022 Ex-dividend Rs 2.5
- 18 Mar 2022 Ex-dividend Rs 3
- 29 Oct 2021 Ex-dividend Rs 2
- 26 Aug 2021 Ex-dividend Rs 2
Move 19 session moves, 1 Apr 2026 to 27 Jul 2026 open
- 27 Jul 2026 +6.99% Up 7.0% on 1.1× the usual volume, gapping 5.0% at the open. The commercial banks sector moved the same way, median +3.3% (19 of 19 names up). The KSE-100 moved +4.2% the same day. Foreign investors were net sellers of Rs 1,059M across the market.
- 14 Jul 2026 -4.71% Down 4.7% on 0.7× the usual volume. The commercial banks sector moved the same way, median -3.9% (19 of 19 names down). The KSE-100 moved -3.6% the same day.
- 1 Jul 2026 +7.16% Up 7.2% on 3.1× the usual volume. The commercial banks sector moved the same way, median +3.3% (18 of 19 names up). The KSE-100 moved +2.1% the same day.
- 24 Jun 2026 +3.17% Up 3.2% on 1.1× the usual volume. The KSE-100 moved +1.1% the same day.
- 16 Jun 2026 +6.16% Up 6.2% on 3.2× the usual volume. The commercial banks sector moved the same way, median +2.2% (17 of 19 names up). The KSE-100 moved +1.9% the same day. Foreign investors were net sellers of Rs 1,206M across the market.
- 15 Jun 2026 +5.7% Up 5.7% on 2.7× the usual volume, gapping 2.2% at the open. The KSE-100 moved +2.7% the same day. Foreign investors were net buyers of Rs 1,356M across the market.
- 21 May 2026 +4.71% Up 4.7% on 1.9× the usual volume. The KSE-100 moved +2.2% the same day. Foreign investors were net sellers of Rs 1,599M across the market.
- 6 May 2026 +7.92% Up 7.9% on 0.8× the usual volume, gapping 3.0% at the open. The commercial banks sector moved the same way, median +3.8% (18 of 19 names up). The KSE-100 moved +4.2% the same day.
- 21 Apr 2026 +4.99% Up 5.0% on 1.2× the usual volume. No filing, sector move or volume behind it in the data.
- 17 Apr 2026 +6.69% Up 6.7% on 1.7× the usual volume. The commercial banks sector moved the same way, median +2.7% (19 of 19 names up). The KSE-100 moved +2.4% the same day.
- 15 Apr 2026 +4.16% Up 4.2% on 4.4× the usual volume, gapping 2.6% at the open. The commercial banks sector moved the same way, median +1.8% (18 of 19 names up). The KSE-100 moved +1.7% the same day. Financial results were announced within the last two sessions.
- 14 Apr 2026 +3.85% Up 3.9% on 0.6× the usual volume, gapping 2.1% at the open. The commercial banks sector moved the same way, median +2.1% (18 of 19 names up). The KSE-100 moved +3.1% the same day.
- 13 Apr 2026 -4.89% Down 4.9% on 1.1× the usual volume, gapping 3.4% at the open. The commercial banks sector moved the same way, median -3.4% (18 of 19 names down). The KSE-100 moved -3.9% the same day.
- 9 Apr 2026 +3.01% Up 3.0% on 2.2× the usual volume.
- 8 Apr 2026 +10% Up 10.0% on 1.2× the usual volume, gapping 10.0% at the open. The commercial banks sector moved the same way, median +10.0% (19 of 19 names up). The KSE-100 moved +9.3% the same day. Foreign investors were net sellers of Rs 1,793M across the market. Closed at the exchange's daily price limit.
- 6 Apr 2026 -6.32% Down 6.3% on 6.6× the usual volume.
- 3 Apr 2026 -4.07% Down 4.1% on 3.2× the usual volume, gapping 2.2% at the open. The KSE-100 moved -1.1% the same day. A board meeting was notified within the last two sessions.
- 2 Apr 2026 -3.52% Down 3.5% on 0.9× the usual volume, gapping 3.7% at the open. The commercial banks sector moved the same way, median -1.9% (17 of 19 names down). The KSE-100 moved -2.3% the same day. A payout was credited within the last two sessions.
- 1 Apr 2026 +6.36% Up 6.4% on 3.0× the usual volume. The commercial banks sector moved the same way, median +4.9% (18 of 19 names up). The KSE-100 moved +4.6% the same day. A payout was credited within the last two sessions.
Notice 18 notices, 19 Feb 2025 to 22 Jul 2026 open
- 22 Jul 2026 financial results Financial Results for the Quarter ended 30 June 2026
- 10 Jul 2026 board meeting Board Meeting of United Bank Limited (UBL)
- 15 Apr 2026 financial results Financial Results for the Quarter ended March 31, 2026
- 3 Apr 2026 board meeting Board Meeting of United Bank Limited (UBL)
- 26 Mar 2026 board meeting BOARD MEETING OTHER THAN FINANCIAL RESULTS OF UNITED BANK LIMITED (UBL)
- 18 Mar 2026 board meeting Board Meeting Other Than Financial Results
- 25 Feb 2026 financial results Financial Results for the Year Ended 31 December 2025
- 13 Feb 2026 board meeting Board Meeting of United Bank Limited (UBL)
- 10 Dec 2025 board meeting Board Meeting Other Than Financial Results
- 15 Oct 2025 financial results Financial Results for the Quarter ended September 30, 2025
- 3 Oct 2025 board meeting Notice of Board Meeting and Closed Period for the Period Ended Ended September 30, 2025
- 11 Jul 2025 financial results Financial Results for the Quarter Ended 30 June 2025
- 3 Jul 2025 board meeting Board Meeting of United Bank Limited (UBL)
- 23 Jun 2025 capital change Credit of Ordinary Shares of United Bank Limited pursuant to the Sub-Division of Shares under Section 85(1)(c) of the Companies Act, 2017
- 3 Jun 2025 capital change NOTICE OF BOOK CLOSURE FOR SUB-DIVISION OF SHARES
- 16 Apr 2025 financial results Financial Results for the Quarter Ended 31 March 2025
- 4 Apr 2025 board meeting Board Meeting of United Bank Limited (UBL)
- 19 Feb 2025 financial results Financial Results for the Year Ended 31 December 2024
SuperX holds 119 dated records for UBL and this page lists 71. Every ex-dividend, book closure, results filing and ticker change is listed. The session moves, notices are cut to the most recent of each.
What SuperX wrote about UBL
Three sentences, written overnight from the close of 11 Nov 2026, each one shown with the figures it rests on. SuperX holds no shares in United Bank. Data, not advice.
-
The stock rose 4.69% on 10 Nov with 3.4 times the usual volume. The commercial banks sector also rose, median +3.0%.
- last big move, date words
- 10 Nov
- last big move, change pct
- 4.69
- last big move, volume ratio vs 20d
- 3.4
- last big move, explanation
- Up 4.7% on 3.4× the usual volume, gapping 2.3% at the open. The commercial banks sector moved the same way, median +3.0% (17 of 19 names up). The KSE-100 moved +3.1% the same day.
-
The annual results for the period ending 31 Dec are next. Last year they were filed on 25 Feb.
- next results, period end words
- 31 Dec
- which results they are
- annual
- next results, last year filed on words
- 25 Feb
-
The price is 441.72 PKR, down 0.8% on 11 Nov. The trailing dividend yield is 7.6%.
- last close, rupees
- 441.72
- change on the day, percent
- -0.8
- price, quote date words
- 11 Nov
- a year of dividends against the price, percent
- 7.6
Written 11 Nov 2026 from the close of 11 Nov 2026 by anthropic/claude-haiku-5.5, prompt 2026-11-04.2+rules2026-11-10.1. Every number in it was checked against the figures above before the row was stored; a sentence whose figures were not on that sheet was refused and never written.
UBL in the news
Stories from Pakistani business desks that name United Bank in the headline. A market report that lists UBL among the day's movers is not shown here; it belongs to the market, not to this company. Links open the publisher.
- UBL, HBL and BAFL earnings estimates revised upward Business Recorder · 10 Nov 2026
- UBL faces mounting cost pressures as quarterly profit falls The Nation · 4 Nov 2026
- UBL named Best Bank of the Year 2025 in Large Banks Category by CFA Society Pakistan Business Recorder · 4 Nov 2026
- UBL named Best Bank of Year 2025 in large banks category by CFA Society Pakistan The Nation · 3 Nov 2026
- UBL Rural Bank, UATC sign strategic alliance to expand tractor financing for farmers The Nation · 13 Oct 2026
- UBL Rural Bank and UATC sign strategic alliance Business Recorder · 13 Oct 2026
- Nehal greets UBL-UATC partnership to expand farm mechanisation Business Recorder · 7 Oct 2026
About United Bank Limited
United Bank Limited is a banking company incorporated in Pakistan and is engaged in commercial banking and related services. The Bank is a subsidiary of Bestway International Holdings Limited which is a wholly owned subsidiary of Bestway Group Limited.
Key people
- Muhammad Jawaid Iqbal · CEO
- Lord Zameer M. Choudrey, CBE, SI Pk · Chairperson
- Shoukat Ali · Company Secretary
- Sector
- Commercial Banks
- Website
- www.ubldigital.com
- Head office
- 13th Floor, UBL Building, Jinnah Avenue, Blue Area, Islamabad.
- Auditor
- M/s. EY Ford Rhodes Chartered Accountants.
- Share registrar
- THK Associates (Private) Limited, Plot No. 32-C, Jami Commercial Street 2, D.H.A, Phase-VII, Karachi
- Fiscal year end
- December
What are UBL’s sales, profit and earnings per share?
Annual figures from PSX filings. Money in PKR (converted from thousands); EPS in rupees per share.
| FY (December) | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total Income | Rs 420B | Rs 261B | Rs 166B | Rs 138B |
| Mark-up Earned | Rs 1.2T | Rs 1.1T | Rs 521B | Rs 251B |
| Profit after Taxation | Rs 128B | Rs 80.5B | Rs 53.2B | Rs 32.1B |
| EPS | Rs 51.33 | Rs 32.89 | Rs 43.44 | Rs 26.19 |
| EPS Growth | +56.1% | −24.3% | +65.9% | +3.8% |
| Net Profit Margin | 10.8% | 7.4% | 10.2% | 12.8% |
What dividends has UBL paid?
PSX quotes payouts as a % of the Rs 10 face value — 25% = Rs 2.50 per share. Unconfirmed ex-dates are marked “expected”.
| Type | % of face | Per share | Ex-date | Book closure | Qualify by |
|---|---|---|---|---|---|
| Cash dividend | 160% | Rs 8.00 | 22 Oct 2026 | 23 Oct 2026 – 23 Oct 2026 | 21 Oct 2026 |
| Cash dividend | 160% | Rs 8.00 | 31 Jul 2026 | 3 Aug 2026 – 8 Aug 2026 | 30 Jul 2026 |
| Cash dividend | 160% | Rs 8.00 | 23 Apr 2026 | 24 Apr 2026 – 27 Apr 2026 | 22 Apr 2026 |
| Cash dividend | 160% | Rs 8.00 | 25 Mar 2026 | 26 Mar 2026 – 26 Mar 2026 | 24 Mar 2026 |
| Cash dividend | 160% | Rs 8.00 | 18 Jul 2025 | 22 Jul 2025 – 24 Jul 2025 | 17 Jul 2025 |
| Cash dividend | 110% | Rs 5.50 | 28 Apr 2025 | 30 Apr 2025 – 2 May 2025 | 25 Apr 2025 |
| Cash dividend | 110% | Rs 5.50 | 11 Mar 2025 | 13 Mar 2025 – 19 Mar 2025 | 10 Mar 2025 |
No matches.
Brokers’ 12-month price targets for UBL, not SuperX’s
Collected from sell-side research notes. The figures here are the brokers’.
- Lowest target
- Rs 495.00
- Average target
- Rs 542.50
- Highest target
- Rs 590.00
- Analysts
- 2
- EPS this FY
- Rs 58.60
- EPS next FY
- Rs 50.75
47 of 49 covered PSX names carry a buy-family label; 0 hold, 0 sell. 2 carry a label this count does not recognise. For UBL the per-broker tally adds to 5 against the 2 analysts behind these targets, so the breakdown is withheld rather than printed on two bases. As of 11 Nov 2026.
A target is one analyst’s estimate of a price twelve months out. SuperX does not check it, score it, or convert it into a view.
UBL share price: quick answers
What is the United Bank (UBL) share price?
As of 11 Nov 2026, the United Bank (UBL) share price is Rs 441.72 (−0.80% on the day). Over the last year it has moved +19.67%.
What was UBL's last dividend?
Its last cash dividend was Rs 8.00 a share, ex-date 22 Oct 2026.
What is UBL's dividend yield?
As of 11 Nov 2026, United Bank Limited (UBL) has a trailing dividend yield of 7.24% at a share price of Rs 441.72. Cash dividends declared over the last 12 months total Rs 32.00 per share.
How much does UBL cost for each rupee it earns?
At Rs 441.72 a share on 11 Nov 2026, each rupee UBL earned over the last twelve months costs Rs 7.7. That is a trailing price-to-earnings ratio of 7.7×. Its market capitalisation is about Rs 1.1T.
Is UBL Shariah compliant?
No. United Bank Limited (UBL) is not flagged Shariah-compliant in PSX data as of 11 Nov 2026, and it is not part of the KMI-30 or KMI All-Share Islamic indices.
Is UBL trending up or down?
SuperX's trend read for UBL is Leaning Up since 10 Nov 2026: see the reasons on this page. Above the 50-day average; Up 7.5% over 1 month; Volume 2.1× the 20-day average. The read describes the closes through 11 Nov 2026; it is not a recommendation.
What does UBL cost against what it earns?
UBL shows an earnings yield of 13.07%, a payout ratio of 62%, a net margin of 10.8%. Its price-to-earnings multiple is lower than 40% of companies in the same PSX sector with reported earnings. Whether that price is low or high depends on why the market sets it there, which no ratio answers. A Rs 1,000,000 order is about a rounding error in a normal session, judged on the median value traded over the last 60 sessions.
What is the total return on UBL including dividends?
UBL returned +28.3% over the last year counting the cash dividends paid, against a price move of +19.7% — a gap of 8.7 percentage points that a price chart alone hides. Dividends are counted as received on their ex-date, not reinvested. Figures to 11 Nov 2026.
How liquid is UBL?
On SuperX's reading of the last 60 sessions, a Rs 1,000,000 order moves the price about 0.20 basis points on a median session, the implied bid-ask spread works out at about 0.69% of price, the stock traded on 100% of the last year's sessions. Those are estimates from daily closes and volumes, not from the order book, and they describe normal sessions rather than the one session an order has to clear.
What is UBL's beta?
UBL's one-year beta against the KSE-100 is 1.24 (correlation 0.84), measured on daily closes to 11 Nov 2026. Its annualised volatility is 24% over 30 days and 25% over 90; the worst peak-to-trough fall in the last year was −39.2%.
Who is the CEO of United Bank?
According to the company page on the Pakistan Stock Exchange (PSX), read by SuperX on 11 Nov 2026, the CEO of United Bank (UBL) is Muhammad Jawaid Iqbal.
Who is the chairperson of United Bank?
According to the company page on the Pakistan Stock Exchange (PSX), read by SuperX on 11 Nov 2026, the Chairperson of United Bank (UBL) is Lord Zameer M. Choudrey, CBE, SI Pk.
Where is the head office of United Bank?
According to the company page on the Pakistan Stock Exchange (PSX), read by SuperX on 11 Nov 2026, the head office of United Bank (UBL) is at 13th Floor, UBL Building, Jinnah Avenue, Blue Area, Islamabad.
Who is the auditor of United Bank?
According to the company page on the Pakistan Stock Exchange (PSX), read by SuperX on 11 Nov 2026, the auditor of United Bank (UBL) is M/s. EY Ford Rhodes Chartered Accountants.
Who is the share registrar of United Bank?
According to the company page on the Pakistan Stock Exchange (PSX), read by SuperX on 11 Nov 2026, the share registrar of United Bank (UBL) is THK Associates (Private) Limited, Plot No. 32-C, Jami Commercial Street 2, D.H.A, Phase-VII, Karachi.
When does the financial year of United Bank end?
According to the company page on the Pakistan Stock Exchange (PSX), read by SuperX on 11 Nov 2026, the financial year of United Bank (UBL) ends in December.
How many shares of United Bank are outstanding?
According to the company page on the Pakistan Stock Exchange (PSX), read by SuperX on 11 Nov 2026, United Bank (UBL) has 2,504,247,750 shares outstanding.
What is the free float of United Bank?
According to the company page on the Pakistan Stock Exchange (PSX), read by SuperX on 11 Nov 2026, the free float of United Bank (UBL) is 35% of its shares.
Which PSX indices include United Bank?
As of 11 Nov 2026, PSX index data lists United Bank (UBL) in the All-Share, Banks, KSE-100, KSE-30 and PSX Div 20 indices and 5 other PSX indices.
What does United Bank do?
According to the company page on the Pakistan Stock Exchange (PSX), read by SuperX on 11 Nov 2026, its company profile reads: United Bank Limited is a banking company incorporated in Pakistan and is engaged in commercial banking and related services. The Bank is a subsidiary of Bestway International Holdings Limited which is a wholly owned subsidiary of Bestway Group Limited.
Other Commercial Banks stocks on PSX
Other companies in the same PSX sector, including its largest.
| Symbol | Company | Price | Chg % | Mkt cap | Price/earnings |
|---|---|---|---|---|---|
| ABL | Allied Bank Limited | 172.78 | +0.27% | Rs 198B | 6.1× |
| AKBL | Askari Bank Limited | 123.65 | −0.25% | Rs 179B | 7.1× |
| BAFL | Bank Alfalah Limited | 60.64 | +0.07% | Rs 191B | 3.0× |
| MEBL | Meezan Bank Limited | 563.92 | −1.20% | Rs 1T | 10.6× |
| MCB | MCB Bank Limited | 409.15 | −0.56% | Rs 485B | 8.9× |
| HBL | Habib Bank Limited | 313.24 | +0.59% | Rs 459B | 6.9× |
No matches.
Guides for UBL
Plain explanations of the figures on this page.
Data from PSX via SuperX, delayed and provided for information only — not investment advice. Figures may contain errors; verify with your broker before acting. As of .
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