UTKARSHBNK
Utkarsh Small Finance Bank Limited (UTKARSHBNK) Stock Analysis
Utkarsh Small Finance Bank Limited provides banking to micro and underserved customers in north and central India. It offers microfinance transition products, MSME loans, deposits, and digital banking after SFB licensing. The bank has a strong rural and semi-urban footprint. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹13.30
-2.28% 1W | -24.70% 52W
Market Cap
2.4k CR
P/E Ratio
–
52W High
₹22
52W Low
₹10.1
Div. Yield
0%
Beta
1
50 DMA
₹14.2
200 DMA
₹13.8
Profit Margin
-146.1%
Inst. Own.
13.6%
🔥 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 | 720 | 756 | 806 | 896 | 966 | 987 | 932 | 880 | 881 | 840 | 821 | 837 | 884 |
| Interest | 298 | 315 | 324 | 356 | 393 | 429 | 452 | 468 | 479 | 490 | 473 | 461 | 461 |
| Expenses | 369 | 392 | 413 | 452 | 492 | 593 | 824 | 687 | 858 | 913 | 920 | 724 | 586 |
| Financing Profit | 53 | 49 | 69 | 88 | 82 | -35 | -343 | -276 | -457 | -562 | -571 | -347 | -164 |
| Financing Margin % | 7% | 7% | 9% | 10% | 8% | -4% | -37% | -31% | -52% | -67% | -70% | -42% | -19% |
| Other Income | 92 | 105 | 83 | 121 | 105 | 103 | 105 | 287 | 138 | 97 | 81 | 115 | 119 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 145 | 154 | 152 | 208 | 186 | 68 | -238 | 11 | -319 | -465 | -491 | -232 | -45 |
| Tax % | 26% | 26% | 24% | 23% | 26% | 24% | -29% | 74% | -25% | -25% | -24% | -19% | -25% |
| Net Profit | 108 | 114 | 116 | 160 | 137 | 51 | -168 | 3 | -239 | -348 | -375 | -188 | -34 |
| EPS in Rs | 0.74 | 0.65 | 0.65 | 0.90 | 0.77 | 0.29 | -0.94 | 0.02 | -1.35 | -1.96 | -2.11 | -1.06 | -0.19 |
| Gross NPA % | 3.13% | 2.81% | 3.04% | 2.51% | 2.78% | 3.88% | 6.17% | 9.43% | 11.42% | 12.42% | 11.05% | 7.71% | 6.09% |
| Net NPA % | 0.33% | 0.16% | 0.19% | 0.03% | 0.26% | 0.89% | 2.50% | 4.84% | 5.00% | 5.02% | 4.48% | 3.29% | 2.86% |
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 519 | 881 | 1,308 | 1,581 | 1,849 | 2,505 | 3,178 | 3,765 | 3,379 | 3,381 |
| Interest | 251 | 382 | 579 | 742 | 788 | 976 | 1,293 | 1,742 | 1,902 | 1,884 |
| Expenses | 374 | 392 | 551 | 783 | 1,125 | 1,234 | 1,561 | 2,518 | 3,337 | 3,142 |
| Financing Profit | -106 | 107 | 177 | 56 | -64 | 295 | 324 | -496 | -1,860 | -1,645 |
| Financing Margin % | -20% | 12% | 14% | 4% | -3% | 12% | 10% | -13% | -55% | -49% |
| Other Income | 43 | 58 | 99 | 125 | 185 | 299 | 400 | 600 | 431 | 412 |
| Depreciation | 0 | 16 | 25 | 30 | 41 | 59 | 65 | 77 | 77 | 0 |
| Profit before tax | -63 | 149 | 250 | 151 | 80 | 536 | 659 | 28 | -1,507 | -1,233 |
| Tax % | 0% | 37% | 25% | 26% | 23% | 25% | 25% | 14% | -24% | |
| Net Profit | -63 | 94 | 187 | 112 | 61 | 404 | 498 | 24 | -1,151 | -945 |
| EPS in Rs | -0.83 | 0.79 | 1.52 | 0.82 | 0.42 | 2.80 | 2.80 | 0.13 | -6.47 | -5.32 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 11% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 10.0% | 16.0% | – |
Shareholding Pattern
Promoters68.92%
FIIs1.68%
DIIs2.39%
Public27.00%
Promoters42.67%
FIIs11.80%
DIIs9.74%
Public35.76%
Promoters42.67%
FIIs11.49%
DIIs9.56%
Public36.27%
Promoters42.67%
FIIs11.90%
DIIs9.54%
Public35.88%
Promoters42.67%
FIIs10.44%
DIIs9.15%
Public37.72%
Promoters69.06%
FIIs0.87%
DIIs9.82%
Public20.25%
Promoters68.92%
FIIs1.00%
DIIs7.04%
Public23.04%
Promoters42.67%
FIIs11.49%
DIIs9.56%
Public36.27%
Promoters42.67%
FIIs10.44%
DIIs9.15%
Public37.72%
UTKARSHBNK
Holdings Analysis
Key strengths & risk signals
53
Overall
44
Fundamental
63
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
POOR YEAR! Stock declined 24.7% in the last year.
WEAK POSITION! Current price (13.3) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.3% (1 week), 4.0% (1 month), 11.5% (3 months).
Strengths (3)
BULLISH TREND! 50-day average (14.2) is above 200-day average (13.8) - positive signal.
BULLISH SENTIMENT! In last 30 days: 12 up days, 17 down days. Avg volume on up days: 18,432,894 vs down days: 9,058,702. Ratio: 2.03x
APPROACHING OVERSOLD! RSI at 39.3 - watch for reversal.
Fundamental & Technical Analysis
53Overall
44Fundamental
63Technical
Fundamental Breakdown
Growth Quality
7/30
Revenue CAGR: 1.4% (SLOW, 5/15). Profit CAGR: 0% (DECLINING, 2/15).
Profit Margin
2/10
LOW MARGIN! -146.1% profit margin - thin profits.
PEG Valuation
0/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 15.67% public ownership - strong promoter/institutional control.
Stability Index
2/10
CAUTION! Company made loss in last quarter. Be careful.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (14.2) is above 200-day average (13.8) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (13.3) is below both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
1/10
POOR YEAR! Stock declined 24.7% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 12 up days, 17 down days. Avg volume on up days: 18,432,894 vs down days: 9,058,702. Ratio: 2.03x
RSI
4/5
APPROACHING OVERSOLD! RSI at 39.3 - watch for reversal.
52W Range
2/5
LOWER HALF! Trading at 26.9% of 52W range - weakness visible.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.3% (1 week), 4.0% (1 month), 11.5% (3 months).
Beta
3/5
MARKET ALIGNED! Beta of 1.00 - moves with the market.
UTKARSHBNK
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-07 | Concall PDF | |
| Q4FY262026-05-15 | Concall PDF | |
| Q3FY262026-02-06 | Concall PDF | |
| Q2FY262025-11-19 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UTKARSHBNK | ₹13.30 | – | -146.1% | 1.4% | – | -24.7% | 53 | APPROACHING RESISTANCE | -85.8% | -82.0% | +0.2% | +10.1% |
| ESAFSFB | ₹44.30 | – | -0.3% | 6.9% | – | +57.9% | 64 | CONSOLIDATION | -198.6% | +240.9% | +45.3% | +15.7% |
| SURYODAY | ₹148.00 | 8.2 | 13.6% | 20.0% | 25.1% | +4.6% | 64 | BREAKOUT | +113.0% | +51.3% | +30.3% | +14.0% |
| DHANBANK | ₹35.80 | 12.6 | 14.9% | 12.7% | 27.7% | +33.1% | 83 | BREAKOUT | +104.1% | -42.8% | +19.1% | -17.1% |
| CAPITALSFB | ₹273.40 | 8.3 | 29.3% | 14.6% | 14.7% | -1.4% | 62 | APPROACHING SUPPORT | +29.1% | +3.0% | +20.3% | +8.9% |
| FINOPB | ₹134.10 | 53.4 | 1.6% | 15.8% | -6.9% | -59.0% | 52 | BREAKDOWN | -177.0% | -293.0% | -36.1% | -12.7% |
| CSBBANK | ₹308.90 | 8.1 | 24.1% | 20.6% | 5.0% | -20.5% | 66 | APPROACHING RESISTANCE | +26.5% | -25.6% | +13.3% | -8.2% |
| JSFB | ₹490.60 | 13.7 | 12.9% | 14.8% | 8.4% | +6.6% | 61 | CONSOLIDATING DOWN | +52.3% | +11.0% | +18.5% | +0.8% |
Data from TradeAlone · Updated daily
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