JSFB
Jana Small Finance Bank Limited (JSFB) Stock Analysis
Jana Small Finance Bank Limited provides banking services focused on underserved and rural customers. It offers deposits, micro-banking, and SME loans through branches and digital channels. The bank converted from an NBFC to a small finance bank. It is a listed banking stock.
Financial Services › Banks - Regional
₹504.20
+0.82% 1W | +6.60% 52W
Market Cap
5.3k CR
P/E Ratio
14
52W High
₹607
52W Low
₹330
Div. Yield
0%
Beta
0.6
50 DMA
₹533.3
200 DMA
₹454.9
Profit Margin
12.9%
Inst. Own.
16.7%
🔥 APPROACHING RESISTANCE
🔥 APPROACHING RESISTANCE
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 885 | 979 | 1,038 | 1,112 | 1,167 | 1,166 | 1,177 | 1,184 | 1,241 | 1,305 | 1,374 | 1,445 | 1,515 |
| Interest | 423 | 453 | 490 | 520 | 557 | 572 | 585 | 602 | 655 | 686 | 709 | 709 | 732 |
| Expenses | 560 | 566 | 553 | 604 | 639 | 681 | 665 | 696 | 750 | 791 | 899 | 861 | 854 |
| Financing Profit | -98 | -41 | -5 | -13 | -29 | -87 | -72 | -114 | -164 | -172 | -235 | -126 | -72 |
| Financing Margin % | -11% | -4% | -0% | -1% | -2% | -7% | -6% | -10% | -13% | -13% | -17% | -9% | -5% |
| Other Income | 188 | 164 | 140 | 179 | 189 | 176 | 177 | 234 | 266 | 247 | 245 | 266 | 227 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 90 | 123 | 135 | 166 | 160 | 88 | 105 | 120 | 102 | 75 | 10 | 140 | 155 |
| Tax % | 0% | 0% | 0% | -93% | -7% | -9% | -5% | -3% | 0% | 0% | 0% | 0% | 0% |
| Net Profit | 90 | 123 | 135 | 322 | 171 | 97 | 111 | 123 | 102 | 75 | 10 | 140 | 155 |
| EPS in Rs | 17.81 | 24.22 | 26.54 | 30.76 | 16.31 | 9.25 | 10.56 | 11.75 | 9.69 | 7.13 | 0.92 | 13.28 | 14.74 |
| Gross NPA % | 2.94% | 2.44% | 2.19% | 2.11% | 2.62% | 2.97% | 2.80% | 2.71% | 2.91% | 2.87% | 2.59% | 2.46% | 2.39% |
| Net NPA % | 1.19% | 0.87% | 0.71% | 0.56% | 0.99% | 0.99% | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% | 0.92% | 0.91% |
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,555 | 1,251 | 1,992 | 2,498 | 2,727 | 3,075 | 4,014 | 4,671 | 5,353 | 5,637 |
| Interest | 1,164 | 814 | 980 | 1,235 | 1,337 | 1,415 | 1,886 | 2,317 | 2,760 | 2,837 |
| Expenses | 2,844 | 2,399 | 1,322 | 1,331 | 1,627 | 1,960 | 2,222 | 2,596 | 3,213 | 3,406 |
| Financing Profit | -2,453 | -1,963 | -311 | -68 | -238 | -300 | -94 | -242 | -620 | -605 |
| Financing Margin % | -158% | -157% | -16% | -3% | -9% | -10% | -2% | -5% | -12% | -11% |
| Other Income | 42 | 113 | 433 | 235 | 324 | 625 | 670 | 776 | 1,022 | 985 |
| Depreciation | 0 | 99 | 93 | 83 | 81 | 69 | 62 | 61 | 75 | 0 |
| Profit before tax | -2,411 | -1,949 | 30 | 84 | 5 | 256 | 514 | 474 | 326 | 380 |
| Tax % | 4% | 0% | 0% | 0% | 0% | 0% | -30% | -6% | 0% | |
| Net Profit | -2,504 | -1,949 | 30 | 84 | 5 | 256 | 670 | 501 | 326 | 380 |
| EPS in Rs | -637.29 | -413.32 | 5.94 | 16.62 | 1.07 | 50.46 | 64.02 | 47.73 | 30.99 | 36.07 |
| Dividend Payout % | -0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 20.0% | 16.0% | – |
| Profit CAGR | 8.0% | 29.0% | – |
Shareholding Pattern
Promoters21.88%
FIIs0.28%
DIIs16.03%
Public61.81%
Promoters21.87%
FIIs1.21%
DIIs14.81%
Public62.12%
Promoters21.86%
FIIs4.11%
DIIs12.92%
Public59.14%
Promoters21.85%
FIIs4.31%
DIIs14.29%
Public57.57%
Promoters16.94%
FIIs4.01%
DIIs15.31%
Public62.69%
Promoters22.54%
FIIs1.15%
DIIs17.70%
Public58.62%
Promoters22.28%
FIIs0.89%
DIIs15.89%
Public60.94%
Promoters21.85%
FIIs4.31%
DIIs14.29%
Public57.57%
Promoters16.94%
FIIs4.01%
DIIs15.31%
Public62.69%
JSFB
Holdings Analysis
Key strengths & risk signals
64
Overall
56
Fundamental
72
Technical
Risks (4)
TOO MUCH PUBLIC HOLDING! 58.62% public ownership - higher volatility risk.
RECOVERY MODE! Current price (499.4) above 200-day but below 50-day.
POSITIVE YEAR! Stock gained 4.9% in the last year.
WEAK MOMENTUM! Limited price growth - -0.1% (1 week), -3.4% (1 month), 2.2% (3 months).
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BULLISH TREND! 50-day average (534.9) is above 200-day average (454.5) - positive signal.
BULLISH SENTIMENT! In last 30 days: 19 up days, 11 down days. Avg volume on up days: 842,662 vs down days: 559,130. Ratio: 1.51x
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
Fundamental & Technical Analysis
62Overall
56Fundamental
68Technical
Fundamental Breakdown
Growth Quality
19/30
Revenue CAGR: 14.8% (GOOD, 11/15). Profit CAGR: 8.4% (MODERATE, 8/15).
Profit Margin
5/10
DECENT EFFICIENCY! 12.9% profit margin - acceptable profitability.
PEG Valuation
8/10
FAIRLY VALUED! PEG of 1.67 indicates reasonable valuation.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
6/10
MODERATE DEBT! D/E of 0.82 - acceptable leverage.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 58.62% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (533.3) is above 200-day average (454.9) - positive signal.
Price Position
2/10
RECOVERY MODE! Current price (504.2) above 200-day but below 50-day.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
4/10
POSITIVE YEAR! Stock gained 6.6% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 20 up days, 10 down days. Avg volume on up days: 832,203 vs down days: 563,284. Ratio: 1.48x
RSI
3/5
NEUTRAL! RSI at 47.8 - balanced momentum.
52W Range
4/5
UPPER HALF! Trading at 62.9% of 52W range - positive territory.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 0.8% (1 week), -2.5% (1 month), 1.3% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
JSFB
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-21 | Concall PDF | |
| Q3FY262026-02-11 | Concall PDF | |
| Q1FY262025-10-23 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JSFB | ₹504.20 | 14 | 12.9% | 14.8% | 8.4% | +6.6% | 62 | APPROACHING RESISTANCE | +52.3% | +11.0% | +18.5% | +0.8% |
| CSBBANK | ₹321.30 | 8.4 | 24.1% | 20.6% | 5.0% | -21.0% | 66 | APPROACHING RESISTANCE | +26.5% | -25.6% | +13.3% | -8.2% |
| DCBBANK | ₹210.80 | 8.6 | 25.3% | 15.9% | 16.3% | +65.7% | 76 | APPROACHING SUPPORT | +35.5% | +3.7% | +7.8% | +1.6% |
| EQUITASBNK | ₹69.50 | 15.6 | 10.9% | 12.1% | -43.6% | +22.5% | 54 | APPROACHING RESISTANCE | -182.0% | -13.7% | +19.2% | +3.3% |
| UJJIVANSFB | ₹65.10 | 14.2 | 19.6% | 14.3% | -14.3% | +31.0% | 67 | BREAKOUT | +206.7% | +12.2% | +30.6% | +3.1% |
| KTKBANK | ₹339.20 | 8.9 | 41.5% | 2.7% | 3.6% | +96.8% | 70 | BREAKOUT | +43.3% | +2.7% | +16.1% | +4.2% |
| SOUTHBANK | ₹49.60 | 8.6 | 29.4% | 9.5% | 23.4% | +49.9% | 84 | BREAKOUT | +17.2% | -7.3% | -3.4% | +7.9% |
| TMB | ₹863.80 | 9.5 | 41.2% | 7.7% | 9.1% | +107.6% | 72 | APPROACHING SUPPORT | +35.0% | +10.1% | +23.8% | +6.0% |
Data from TradeAlone · Updated daily
JSFB News
Jana Small Finance Bank Limited (JSFB) breaks below support, falls 5% intraday2026-08-17Jana Small Finance Bank Limited (JSFB) gains 5% intraday, nears resistance at ₹5892026-08-13Jana Small Finance Bank Limited (JSFB) breaks out, gains 6% intraday2026-07-29Jana Small Finance Bank Limited (JSFB) breaks out, moves up 6%2026-07-21Jana Small Finance Bank Limited (NSE: JSFB) breaks out, gains 6% intraday2026-07-20Jana Small Finance Bank Limited (JSFB) clears resistance, gains 6%2026-07-16Jana Small Finance Bank Limited (jsfb) Q1 FY27: PAT Up 52% Y-o-y, Asset Growth at 26%2026-07-15
