ESAF Small Finance Bank Limited (ESAFSFB) unveiled its Q2 FY27 investor presentation, highlighting significant growth and improved asset quality. The bank’s gross advances surged by 25% year-on-year to ₹23,934 crore, driven by robust portfolio expansion across various segments. Notably, the MARG portfolio, comprising MSME, Agriculture, Retail, and Gold loans, grew by 38% year-on-year, contributing to the overall growth. Emerging Household loans also saw a remarkable 134% year-on-year increase, underscoring the bank’s strategic focus on higher-value segments.

Deposit Growth and Cost Management

Deposits grew by 24% year-on-year to ₹28,466 crore, with a significant increase in the CASA ratio to 23.3%. The cost of deposits remained stable at 7.0%, reflecting efficient cost management. Retail deposits, contributing to 89% of total deposits, crossed ₹25,000 crore, indicating strong customer trust and engagement.

Profitability and Asset Quality

The bank reported a net profit of ₹160 crore for Q2 FY27, with net non-performing assets (NPA) at a low 0.3%. The return on assets (RoA) and return on equity (RoE) stood at 1.5% and 26.5%, respectively. The cost to income ratio improved to 57.7%, showcasing efficient operational performance.

Overall, ESAF Small Finance Bank Limited’s Q2 FY27 results reflect a strong financial performance, driven by strategic portfolio growth and effective cost management, positioning the bank for sustained growth in the future.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of ESAF Small Finance Bank Limited

ESAF Small Finance Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.

ESAF gains 25.8% over three months and trades near its 52-week highs. Razor-thin margins below 5% make profitability extremely vulnerable — this business needs scale or pricing power urgently. No meaningful dividend — total return is entirely dependent on capital appreciation. The stock trades at 94% of its 52-week range — near its best levels of the year. Clearly, the market pays a premium for this name. The stock rises 25.8% in three months. Yet revenue grows at only 6.9% and the PEG stands at 99.00. Either the market prices in a turnaround that has not shown up yet, or this is momentum without substance. Check the next two earnings prints before drawing conclusions. Check Fundamentals of ESAF Small Finance Bank Limited.

City Union Bank Limited (CUB) announced its performance results for the second quarter and half year ended 30th September 2026. The bank’s financial performance showed significant growth across various metrics. The Net Profit After Tax (PAT) increased by 27% to Rs.416 crore for Q2 FY27 compared to Rs.329 crore in the same quarter last year. The Net Interest Income (NII) grew by 31% to Rs.873 crore for Q2 FY27 and Rs.1,693 crore for H1 FY27.

Financial Highlights

CUB’s total income for Q2 FY27 was Rs.2,442 crore, marking a 28% growth from Rs.1,912 crore in Q2 FY26. The operating profit for Q2 FY27 stood at Rs.661 crore, a 40% increase from Rs.471 crore in Q2 FY26. The bank’s operating profit for H1 FY27 was Rs.1,241 crore, up 35% from Rs.922 crore in H1 FY26.

Asset Quality and Ratios

The bank’s asset quality improved with the Gross Non-Performing Assets (NPA) decreasing to 1.44% from 2.42% in Q2 FY26. The Net NPA fell to 0.48% from 0.90% in the same quarter last year. The Net Interest Margin (NIM) increased to 3.87% in Q2 FY27 from 3.63% in Q2 FY26 and 3.83% for H1 FY27 compared to 3.59% in H1 FY26.

The Cost to Income Ratio (CIR) for Q2 FY27 was 45.96%, down from 49.16% in Q2 FY26. The bank’s capital adequacy ratio stood at 21.26%, well above the regulatory requirement.

City Union Bank Limited continues to strengthen its financial health and operational efficiency, setting a positive tone for the future.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of City Union Bank Limited

City Union Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.

City rises 13.0% over three months, with buying pressure holding steady. Industry-leading margins of 37.6% reflect exceptional pricing power and operational efficiency. Revenue grows at 11.0% and profits at 17.0% CAGR. The market consistently rewards this kind of compounding. Buyers show up with 1.5x the volume of sellers. Moreover, they dominated on 17 of recent sessions versus 13 for sellers — a healthy accumulation pattern. Both the business and the stock move in the right direction. Revenue grows at 11.0%, profits at 17.0%, and the PEG sits at 0.95 — below its growth rate. That combination is rare. Check Fundamentals of City Union Bank Limited.

Bandhan Bank Limited (BANDHANBNK) presented its Q2FY27 results, showcasing robust growth and strategic expansion. The bank’s outreach capabilities have deepened, with a footprint across 35 states and Union Territories, comprising 2,041 branches and 4,414 ATMs. The bank’s comprehensive financial solutions have seen a diversified portfolio, with EEB ₹526.2 bn, housing and retail ₹520.1 bn, and wholesale banking ₹537.4 bn.

Strategic Highlights

Bandhan Bank’s customer centricity and digitization efforts have led to seamless customer journeys and improved satisfaction. With 98% of retail transactions being digital and 93% of savings accounts opened digitally, the bank has significantly enhanced its digital onboarding process.

Capital & Liquidity

The bank maintains strong capital adequacy and a stable deposit base, with a Capital Adequacy Ratio (CRAR) of 18.3% and a Common Equity Tier 1 (CET 1) ratio of 17.7%. Retail deposits constitute 72.7% of total deposits, indicating a healthy deposit base.

Productivity & Efficiency

Bandhan Bank focuses on workforce upskilling and reskilling, driving operational excellence. The cost/income ratio stands at 57.5%, with a 9% YoY increase in business per employee. Training and upskilling efforts have resulted in 511K learning hours.

Looking ahead, Bandhan Bank Limited remains committed to its strategic growth, market reach, and operational efficiency.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Bandhan Bank Limited

Bandhan Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.

Bandhan falls 21.4% over three months and has not found a floor yet. Revenue contracts at 5.0% CAGR. That signals structural headwinds, not a short-term blip. Buyers show up with 1.5x the volume of sellers. Moreover, they dominated on 17 of recent sessions versus 13 for sellers — a healthy accumulation pattern. Revenue grows at 5.0% and the stock moves sideways over three months. Neither side makes a strong case. The next earnings print will likely break this stock out of its current range. Check Fundamentals of Bandhan Bank Limited.