KTKBANK
The Karnataka Bank Limited (KTKBANK) Stock Analysis
The Karnataka Bank Limited is an Indian private-sector bank headquartered in Mangaluru with a strong presence in Karnataka and southern India. It offers retail, MSME, and corporate banking including deposits, loans, and digital services. The bank focuses on relationship banking and gradual network expansion. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹329.90
+0.50% 1W | +95.00% 52W
Market Cap
12.5k CR
P/E Ratio
8.7
52W High
₹345.9
52W Low
₹170.5
Div. Yield
1.49%
Beta
0.3
50 DMA
₹326.1
200 DMA
₹262.2
Profit Margin
41.5%
Inst. Own.
21.3%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
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 | 1,959 | 2,027 | 2,113 | 2,201 | 2,278 | 2,234 | 2,243 | 2,258 | 2,261 | 2,179 | 2,220 | 2,257 | 2,383 |
| Interest | 1,144 | 1,204 | 1,285 | 1,367 | 1,375 | 1,401 | 1,450 | 1,478 | 1,506 | 1,451 | 1,428 | 1,414 | 1,444 |
| Expenses | 689 | 670 | 758 | 938 | 664 | 674 | 743 | 865 | 757 | 651 | 737 | 717 | 742 |
| Financing Profit | 126 | 153 | 70 | -104 | 239 | 159 | 50 | -84 | -2 | 77 | 55 | 126 | 196 |
| Financing Margin % | 6% | 8% | 3% | -5% | 11% | 7% | 2% | -4% | -0% | 4% | 2% | 6% | 8% |
| Other Income | 324 | 250 | 326 | 419 | 279 | 270 | 299 | 428 | 358 | 343 | 302 | 399 | 355 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 450 | 402 | 396 | 315 | 518 | 429 | 349 | 344 | 357 | 420 | 357 | 525 | 552 |
| Tax % | 18% | 18% | 16% | 13% | 23% | 22% | 19% | 27% | 18% | 24% | 19% | 22% | 24% |
| Net Profit | 371 | 330 | 331 | 274 | 400 | 336 | 284 | 253 | 292 | 319 | 291 | 408 | 419 |
| EPS in Rs | 11.87 | 10.56 | 9.55 | 7.27 | 10.61 | 8.90 | 7.50 | 6.68 | 7.74 | 8.44 | 7.69 | 10.80 | 11.08 |
| Gross NPA % | 3.68% | 3.47% | 3.64% | 3.53% | 3.54% | 3.21% | 3.11% | 3.08% | 3.46% | 3.33% | 3.32% | 2.78% | 2.58% |
| Net NPA % | 1.43% | 1.36% | 1.55% | 1.58% | 1.66% | 1.46% | 1.39% | 1.31% | 1.44% | 1.35% | 1.31% | 0.98% | 0.87% |
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
| Revenue | 6,475 | 6,232 | 6,222 | 7,220 | 8,299 | 9,014 | 8,918 | 9,039 |
| Interest | 4,444 | 4,049 | 3,731 | 4,035 | 5,000 | 5,703 | 5,799 | 5,738 |
| Expenses | 2,706 | 2,902 | 2,677 | 2,651 | 2,983 | 2,854 | 2,757 | 2,848 |
| Financing Profit | -676 | -719 | -186 | 534 | 316 | 457 | 362 | 454 |
| Financing Margin % | -10% | -12% | -3% | 7% | 4% | 5% | 4% | 5% |
| Other Income | 1,262 | 1,404 | 954 | 993 | 1,319 | 1,270 | 1,403 | 1,400 |
| Depreciation | 64 | 74 | 74 | 86 | 72 | 85 | 107 | 0 |
| Profit before tax | 522 | 612 | 694 | 1,440 | 1,563 | 1,641 | 1,658 | 1,854 |
| Tax % | 17% | 21% | 27% | 18% | 16% | 22% | 21% | |
| Net Profit | 432 | 482 | 508 | 1,180 | 1,307 | 1,273 | 1,311 | 1,437 |
| EPS in Rs | 13.89 | 15.52 | 16.33 | 37.77 | 34.64 | 33.68 | 34.66 | 38.01 |
| Dividend Payout % | 0% | 12% | 24% | 13% | 16% | 15% | 14% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 7.0% | 7.0% | – |
| Profit CAGR | 4.0% | 22.0% | – |
Shareholding Pattern
FIIs14.60%
DIIs16.11%
Public69.27%
FIIs11.69%
DIIs15.84%
Public72.46%
FIIs11.78%
DIIs16.16%
Public72.04%
FIIs13.10%
DIIs15.75%
Public71.15%
FIIs16.30%
DIIs18.63%
Public65.07%
FIIs20.30%
DIIs5.74%
Public73.95%
FIIs18.86%
DIIs23.06%
Public58.08%
FIIs12.88%
DIIs18.16%
Public68.97%
FIIs11.78%
DIIs16.16%
Public72.04%
FIIs16.30%
DIIs18.63%
Public65.07%
KTKBANK
Holdings Analysis
Key strengths & risk signals
65
Overall
53
Fundamental
78
Technical
Risks (1)
TOO MUCH PUBLIC HOLDING! 72.95% public ownership - higher volatility risk.
Strengths (4)
EXCELLENT EFFICIENCY! 41.5% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (325.5) is above 200-day average (261.4) - positive signal.
EXCELLENT YEAR! Stock gained 95.0% in the last year.
STRONG! Trading at 94.3% of 52W range - near yearly highs.
Fundamental & Technical Analysis
65Overall
53Fundamental
78Technical
Fundamental Breakdown
Growth Quality
10/30
Revenue CAGR: 2.7% (SLOW, 5/15). Profit CAGR: 3.6% (SLOW, 5/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 41.5% profit margin - company keeps strong profits.
PEG Valuation
7/10
OVERVALUED! PEG of 2.42 means expensive relative to growth rate.
Dividend Yield
5/10
LOW DIVIDEND! 1.49% yield - minimal income contribution.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 72.95% public ownership - higher volatility risk.
Stability Index
6/10
MODERATE STABILITY! 2 revenue dips in history. Acceptable but monitor closely.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (326.1) is above 200-day average (262.2) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (329.9) is above both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
10/10
EXCELLENT YEAR! Stock gained 95.0% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 15 up days, 15 down days. Avg volume on up days: 1,950,968 vs down days: 1,883,955. Ratio: 1.04x
RSI
3/5
NEUTRAL! RSI at 51.5 - balanced momentum.
52W Range
5/5
STRONG! Trading at 90.9% of 52W range - near yearly highs.
Momentum
5/5
STRONG MOMENTUM! Price has grown across all timeframes - up 0.5% (1 week), 3.7% (1 month), 20.8% (3 months). Momentum is accelerating.
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
KTKBANK
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q3FY262026-02-18 | Concall PDF | |
| Q2FY262025-11-15 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| KTKBANK | ₹329.90 | 8.7 | 41.5% | 2.7% | 3.6% | +95.0% | 65 | APPROACHING SUPPORT | +43.3% | +2.7% | +16.1% | +4.2% |
| UJJIVANSFB | ₹63.20 | 13.8 | 19.6% | 14.3% | -14.3% | +31.7% | 66 | BREAKOUT | +206.7% | +12.2% | +30.6% | +3.1% |
| SOUTHBANK | ₹51.50 | 8.5 | 29.9% | 9.5% | 23.4% | +57.7% | 79 | APPROACHING RESISTANCE | +17.2% | -7.3% | -3.4% | +7.9% |
| TMB | ₹857.30 | 9.4 | 41.2% | 7.7% | 9.1% | +96.8% | 72 | BREAKDOWN | +35.0% | +10.1% | +23.8% | +6.0% |
| J&KBANK | ₹134.30 | 6.4 | 34.2% | 8.2% | 26.0% | +32.6% | 78 | BOUNCE FROM SUPPORT | -11.5% | -46.3% | -0.1% | -2.0% |
| PSB | ₹21.30 | 10.9 | 28.5% | 13.2% | 0.2% | -28.6% | 59 | BREAKDOWN | +23.1% | -21.4% | +0.1% | -2.2% |
| EQUITASBNK | ₹70.40 | 15.8 | 10.9% | 12.1% | -43.6% | +23.7% | 54 | APPROACHING RESISTANCE | -182.0% | -13.7% | +19.2% | +3.3% |
| DCBBANK | ₹209.80 | 8.6 | 25.3% | 15.9% | 16.3% | +63.4% | 78 | APPROACHING SUPPORT | +35.5% | +3.7% | +7.8% | +1.6% |
Data from TradeAlone · Updated daily
KTKBANK News
The Karnataka Bank Limited Launches Trade Konnect Digital Platform2026-10-12The Karnataka Bank Limited (ktkbank) AGM: Shareholders Approve All Seven Resolutions2026-09-23The Karnataka Bank Limited Launches Capital Gains Account Scheme: Tax Planning Solution2026-08-28The Karnataka Bank Limited (ktkbank) Empaneled as Arranger for HUDCO Capital Gain Bonds2026-08-19The Karnataka Bank Limited (NSE: KTKBANK) breaks out, moves up 5% intraday2026-08-06The Karnataka Bank Limited Launches KBL Finsurance Portal: Digital Transformation Milestone2026-08-03The Karnataka Bank Limited Appoints Shri. Parthasarathi Periaswamy as Additional Director2026-07-31The Karnataka Bank Limited (ktkbank) Q1 FY27: Financial Highlights and Strategic Initiatives2026-07-29The Karnataka Bank Limited Records Highest-ever Quarterly Net Profit of Rs. 418.95 Crores2026-07-29The Karnataka Bank Limited Appoints Dr. M. Aruna Shyam as Additional Director2026-07-20The Karnataka Bank Limited (ktkbank) Appoints Mrs. Biji Sreekrishnavilas Sankaranarayanan as New Executive Director2026-07-15The Karnataka Bank Limited (ktkbank) Hosts Successful Third Party Products Conference 2026-272026-06-06The Karnataka Bank Limited Observes World Environment Day with Plantation Drive2026-06-05The Karnataka Bank Limited (ktkbank) Enables Seamless EPF Payments Via Internet Banking Integration2026-06-03The Karnataka Bank Limited Partners with Tobacco Board to Launch Specialized Financial Solutions for Tobacco Growers2026-06-02
