UTKARSH SMALL FIN BANK L
UTKARSHBNK · General/Diversified · NSE
₹13
Current Market Price
Fair Value (P/B + Residual Income)
₹17
Discount to FV
+26.2%
Updated just now
YieldIQ Score
49/100
Piotroski F-Score
2/9
Economic Moat
Narrow
Confidence
16%
ROE
0.8%
Debt/Equity
0.79
Cost of Equity
11.1%
Market Cap
₹2,397 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
1.4%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹13.47
Bear case
Margin of Safety -14.0%
Implied upside -12.3%
Base case
Margin of Safety +17.2%
Implied upside +20.8%
Bull case
Margin of Safety +27.9%
Implied upside +38.8%
Ratio Trends
UTKARSHBNK · last 4 annual periods
ROE
0.8%
ROCE
—
Operating Margin
—
Debt / Equity
0.79×
PE
—
EV / EBITDA
—
Historical Financials
UTKARSHBNK · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹1246 Cr | ₹1828 Cr | ₹2286 Cr | ₹2623 Cr | ₹1908 Cr | +11.2% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹61.5 Cr | ₹405 Cr | ₹498 Cr | ₹23.7 Cr | ₹-1151 Cr | — |
| EPS (diluted) | — | — | ₹4.75 | — | — | +0.0% |
| CFO | ₹1329 Cr | ₹1573 Cr | ₹991 Cr | ₹876 Cr | ₹781 Cr | -12.5% |
| CapEx | ₹-147 Cr | ₹-75.8 Cr | ₹-70.4 Cr | ₹-159 Cr | ₹-149 Cr | — |
| FCF | ₹1182 Cr | ₹1497 Cr | ₹921 Cr | ₹717 Cr | ₹631 Cr | -14.5% |
| Total Assets | ₹15.1K Cr | ₹19.1K Cr | ₹23.9K Cr | ₹28.1K Cr | ₹28.9K Cr | +17.7% |
| Total Debt | ₹2335 Cr | ₹2199 Cr | ₹1845 Cr | ₹2355 Cr | ₹2829 Cr | +4.9% |
| Shareholders' Equity | ₹1572 Cr | ₹2000 Cr | ₹2973 Cr | ₹2975 Cr | ₹2776 Cr | +15.3% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
UTKARSHBNK vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 SURYODAY SURYODAY | — | — | Pending | 6.0% | — |
JSFB JANA SMALL FIN BANK LTD | +40.8%+69.0% upside | 40 | Data Limited | 7.6% | — |
 ESAFSFB ESAFSFB | — | — | Pending | -9.3% | — |
FINOPB FINO PAYMENTS BANK LTD | +53.1%+113.2% upside | 40 | Below Fair Value | 6.8% | — |
 CAPITALSFB CAPITALSFB | — | — | Pending | 9.7% | — |
Click a ticker to view its fair-value analysis.
Dividend History
1 ex-dividend event on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹0.42/sh
Last payout
2024-07-12
₹0.42
Peak payout
₹0.42
Trailing yield
—
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. UTKARSH SMALL FIN BANK L (UTKARSHBNK.NS) trades at 13.47 vs a model fair value of 17.00, a gap of 26.2%. Piotroski F-score: 2/9. Moat lab...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of UTKARSHBNK →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for UTKARSHBNK →
Compare
Head-to-head with peers
Compare UTKARSHBNK side by side →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
Analyse UTKARSHBNKNow →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.