Tamilnad Mercantile Bank Limited
TMB · General/Diversified · NSE
₹678
Current Market Price
Fair Value (DCF)
₹1,826
Margin of Safety
+169.3%
Updated 1d ago
YieldIQ Score
66/100
Piotroski F-Score
7/9
Economic Moat
Narrow
Confidence
52%
ROE
13.1%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.11 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.04×
Revenue per ₹ of assets
Revenue CAGR (3Y)
6.2%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹677.95
Bear case
₹1,273.22
MoS +46.8%
Base case
₹1,825.53
MoS +62.9%
Bull case
₹2,950.72
MoS +77.0%
Ratio Trends
TMB · last 4 annual periods
ROE
13.1%
ROCE
—
Operating Margin
—
Debt / Equity
0.06×
PE
6.3×
EV / EBITDA
—
Historical Financials
TMB · Annual, last 4 years· amounts in ₹Cr unless noted
| Metric | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | ₹2627 Cr | ₹2723 Cr | — | ₹3151 Cr | +6.2% |
| EBITDA | — | — | — | — | — |
| EBIT | — | — | — | — | — |
| PAT | ₹822 Cr | ₹1029 Cr | — | ₹1183 Cr | +12.9% |
| EPS (diluted) | — | — | ₹15.98 | — | +0.0% |
| CFO | ₹1325 Cr | ₹-1270 Cr | — | ₹1899 Cr | +12.7% |
| CapEx | ₹-107 Cr | ₹-89.6 Cr | — | ₹-105 Cr | — |
| FCF | ₹1218 Cr | ₹-1359 Cr | — | ₹1794 Cr | +13.8% |
| Total Assets | ₹52.9K Cr | ₹57.9K Cr | ₹61.6K Cr | ₹66.4K Cr | +7.9% |
| Total Debt | — | ₹525 Cr | — | ₹500 Cr | -1.6% |
| Shareholders' Equity | ₹5336 Cr | ₹6928 Cr | — | ₹9009 Cr | +19.1% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
TMB vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| SOUTHBANK SOUTHBANK | — | — | Pending | 12.9% | — |
| UJJIVANSFB UJJIVANSFB | — | — | Pending | 11.9% | — |
| KTKBANK KTKBANK | — | — | Pending | 10.5% | — |
| J&KBANK J&KBANK | — | — | Pending | 14.7% | — |
| EQUITASBNK EQUITASBNK | — | — | Pending | 2.4% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for TMB in the last 10 years.
Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of TMB →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for TMB →
Compare
Head-to-head with peers
Compare TMB side by side →
Run Full Interactive Analysis
Interactive DCF sliders, sensitivity heatmap, peer comparison, and more.
Analyse TMBNow →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.