KARNATAKA BANK LIMITED
KTKBANK · General/Diversified · NSE
₹274
Current Market Price
Fair Value (P/B + Residual Income)
₹233
Discount to FV
-14.9%
Updated just now
YieldIQ Score
57/100
Piotroski F-Score
9/9
Economic Moat
Narrow
Confidence
64%
ROE
9.9%
Debt/Equity
0.40
Cost of Equity
11.1%
Market Cap
₹10,372 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
2.7%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹274.25
Bear case
Margin of Safety -197.7%
Implied upside -66.4%
Base case
Margin of Safety -21.2%
Implied upside -17.5%
Bull case
Margin of Safety +8.4%
Implied upside +9.2%
Ratio Trends
KTKBANK · last 8 annual periods
ROE
9.9%
ROCE
—
Operating Margin
—
Debt / Equity
0.40×
PE
6.4×
EV / EBITDA
—
Historical Financials
KTKBANK · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 yfinance | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹3436 Cr | ₹4178 Cr | ₹4626 Cr | ₹4580 Cr | ₹4522 Cr | +7.1% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹508 Cr | ₹1180 Cr | ₹1307 Cr | ₹1273 Cr | ₹1311 Cr | +26.7% |
| EPS (diluted) | ₹16.29 | — | ₹39.66 | — | — | +24.9% |
| CFO | ₹-467 Cr | ₹1830 Cr | ₹681 Cr | ₹-321 Cr | ₹1100 Cr | — |
| CapEx | ₹-56.6 Cr | ₹-88.8 Cr | ₹-112 Cr | ₹-163 Cr | ₹-88.9 Cr | — |
| FCF | ₹-524 Cr | ₹1741 Cr | ₹569 Cr | ₹-483 Cr | ₹1011 Cr | — |
| Total Assets | ₹91.6K Cr | ₹99.1K Cr | ₹116.1K Cr | ₹121.0K Cr | ₹129.4K Cr | +9.0% |
| Total Debt | ₹1464 Cr | ₹1563 Cr | ₹2401 Cr | ₹1941 Cr | ₹5329 Cr | +38.1% |
| Shareholders' Equity | ₹7094 Cr | ₹8212 Cr | ₹10.8K Cr | ₹12.1K Cr | ₹13.2K Cr | +16.8% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
KTKBANK vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 SOUTHBANK SOUTHBANK | — | — | Pending | 12.9% | — |
 TMB TMB | — | — | Pending | 13.1% | — |
 UJJIVANSFB UJJIVANSFB | — | — | Pending | 11.9% | — |
 EQUITASBNK EQUITASBNK | — | — | Pending | 1.7% | 57.4× |
 CSBBANK CSBBANK | — | — | Pending | 12.9% | 9.1× |
Click a ticker to view its fair-value analysis.
Dividend History
9 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹21.30/sh
Last payout
2025-09-16
₹5.00
Peak payout
₹5.50
Trailing yield
1.82%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. KARNATAKA BANK LIMITED (KTKBANK.NS) trades at 274.25 vs a model fair value of 233.47, a gap of -14.9%. Piotroski F-score: 9/9. Moat label...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of KTKBANK →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for KTKBANK →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse KTKBANKNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.