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UBL
United Bank Limited · Commercial Banks
PKR 400.18
▲ +1.37% today
AI Rating: HOLD · HIGH confidence

🤖 AI Executive Summary

The technical trend is currently weak, and the stock looks cheaper than its fair value. Over the next 2-4 weeks it is likely to trade sideways between roughly PKR 376.78 and PKR 412.06. Longer term, the fundamentals point higher, toward around PKR 683.26 (about 70.7% upside).

📊 Technical Analysis

TrendBEARISH
Technical Score33/100
RSI (14)56.44
MACD-0.63
SMA 50PKR 383.26
SMA 200PKR 402.28
SupportPKR 372.67
ResistancePKR 403.98
Signal Count1 bullish / 3 bearish

🎯 Price Targets

Downside / SupportPKR 376.78
CurrentPKR 400.18
Short-term TargetPKR 412.06
Long-term TargetPKR 683.26

💰 Valuation

Fair ValuePKR 683.26
VerdictUNDERVALUED
Margin of Safety41.43%
P/E Ratio7.09
Market CapPKR 1002.1B
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About United Bank Limited

United Bank Limited (stock symbol: UBL) is listed on the Pakistan Stock Exchange (PSX) in the Commercial Banks sector. The Pakistan Stock Exchange is regulated by the Securities and Exchange Commission of Pakistan (SECP) and provides a transparent marketplace for equity trading in Pakistan.

Sector Overview: Commercial Banks

Commercial banks provide financial services including deposits, lending, and trade finance across Pakistan. Bank profitability is driven by net interest margins (NIM), non-performing loan (NPL) ratios, and fee-based income. Pakistan's banking sector is regulated by the State Bank of Pakistan (SBP).

Investment Considerations

Key metrics: advances-to-deposit ratio, NIM, NPLs, capital adequacy ratio (CAR), and dividend history. Banks tend to perform well in high-interest-rate environments.

How to Read This Analysis

The technical analysis on this page is generated using standard financial indicators: RSI (Relative Strength Index) measures momentum and overbought/oversold conditions; MACD (Moving Average Convergence Divergence) tracks trend direction and momentum changes; SMA 50 and SMA 200 are moving averages that identify short and long-term trends; support and resistance levels indicate price zones where buying or selling pressure has historically been significant. Price targets are ATR-based estimates, not guarantees.

All analysis is generated automatically from delayed market data and is for educational and informational purposes only. It does not constitute financial advice, a recommendation to buy or sell, or a guarantee of future performance. Always conduct your own research and consult a licensed financial advisor before making investment decisions. Verify live prices at dps.psx.com.pk.

Market data is delayed and for informational purposes only — not financial advice. AI signals are probabilistic and educational. Verify at psx.com.pk before trading.