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Utkarsh Small Finance Bank Limited (IN:UTKARSHBNK)
:UTKARSHBNK
UTKARSHBNK Stock Chart & Stats
₹14.31
-₹0.17(-0.53%)
At close: 4:00 PM EST
₹14.31
-₹0.17(-0.53%)
Day’s Range― - ―
52-Week Range₹11.79 - ₹23.73
Previous CloseN/A
Volume2.28M
Average Volume (3M)1.67M
Market Cap
₹21.14B
Enterprise Value-₹4.32B
Total Cash (Recent Filing)₹38.33B
Total Debt (Recent Filing)₹19.58B
Price to Earnings (P/E)―
Beta1.43
Next Earnings
Apr 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.82%
Share Statistics
EPS (TTM)-2.11
Shares Outstanding1,779,523,700
10 Day Avg. Volume665,369
30 Day Avg. Volume1,665,602
Financial Highlights & Ratios
PEG Ratio-1.10
Price to Book (P/B)0.83
Price to Sales (P/S)0.57
P/FCF Ratio-0.73
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)-5.35
Revenue Forecast (FY)₹20.98B
Bulls Say, Bears Say
Bulls Say
Underserved Market FocusA durable business model serving underserved and unserved segments supports steady deposit growth, customer stickiness and scale in microfinance/MSME lending. This niche reduces direct competition from large banks and creates long-term cross-sell and stable low-ticket lending opportunities.
Moderate Leverage And Equity CushionModerate debt-to-equity (0.79) and an equity ratio around 10.6% provide a durable capital buffer to absorb shocks and support lending capacity. This structural balance-sheet position helps meet regulatory capital norms and sustain operations through multi-quarter stress periods.
Diversified Core Revenue MixA revenue mix of net interest income plus fee/commission and recoveries reduces single-source dependence. Over months, diversified income can stabilise margins if yields compress, and fee income supports profitability and cross-sell economics in retail and MSME channels.
Bears Say
Sharp Revenue And Margin DeteriorationA 43% revenue decline and collapse in net margin to 1.44% indicate structural earnings stress that undermines internal capital generation. Sustained weak top-line and margin compression will limit reinvestment, slow growth initiatives, and elevate sensitivity to credit losses over the next several quarters.
Negative Operating And Free Cash FlowNegative operating and free cash flow point to a cash generation deficit, increasing reliance on deposits or wholesale funding. This structural liquidity weakness constrains loan growth, raises funding costs risk, and reduces the bank's ability to buffer asset-quality deterioration over a multi-month horizon.
Very Low Return On EquityROE near 0.8% signals poor capital efficiency and weak earnings conversion of equity. Persistently low ROE limits shareholder value creation, reduces capacity to raise market capital on favorable terms, and implies management must improve underwriting or margins to restore durable profitability.
Utkarsh Small Finance Bank Limited News
UTKARSHBNK FAQ
What was Utkarsh Small Finance Bank Limited’s price range in the past 12 months?
Utkarsh Small Finance Bank Limited lowest stock price was ₹11.79 and its highest was ₹23.73 in the past 12 months.
What is Utkarsh Small Finance Bank Limited’s market cap?
Utkarsh Small Finance Bank Limited’s market cap is ₹21.14B.
When is Utkarsh Small Finance Bank Limited’s upcoming earnings report date?
Utkarsh Small Finance Bank Limited’s upcoming earnings report date is Apr 24, 2026 which is in 34 days.
How were Utkarsh Small Finance Bank Limited’s earnings last quarter?
Utkarsh Small Finance Bank Limited released its earnings results on Feb 02, 2026. The company reported -₹2.107 earnings per share for the quarter, missing the consensus estimate of -₹2 by -₹0.107.
Is Utkarsh Small Finance Bank Limited overvalued?
According to Wall Street analysts Utkarsh Small Finance Bank Limited’s price is currently Overvalued.
Does Utkarsh Small Finance Bank Limited pay dividends?
Utkarsh Small Finance Bank Limited pays a Notavailable dividend of ₹0.5 which represents an annual dividend yield of 2.82%. See more information on Utkarsh Small Finance Bank Limited dividends here
What is Utkarsh Small Finance Bank Limited’s EPS estimate?
Utkarsh Small Finance Bank Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Utkarsh Small Finance Bank Limited have?
Utkarsh Small Finance Bank Limited has 1,779,523,700 shares outstanding.
What happened to Utkarsh Small Finance Bank Limited’s price movement after its last earnings report?
Utkarsh Small Finance Bank Limited reported an EPS of -₹2.107 in its last earnings report, missing expectations of -₹2. Following the earnings report the stock price went down -0.221%.
Which hedge fund is a major shareholder of Utkarsh Small Finance Bank Limited?
Currently, no hedge funds are holding shares in IN:UTKARSHBNK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Utkarsh Small Finance Bank Limited
Utkarsh Small Finance Bank Limited provides banking and financial services in India. The company offers savings account, fixed, recurring, and tax saver fixed deposits; debit, credit, and other cards; home, LAP retail, personal, gold, and other loans; life and general insurance; investment products; and remittance, bill payment, locker facility, overdraft facility against fixed deposits, ATM and branch banking, and internet and mobile banking services for individual customers. It also provides current and institutional banking accounts; micro banking group, MSME, wholesale, micro banking business, commercial vehicle and construction equipment, and other loans; life and general insurance; various investment products; and remittance, bill payment, ATM, and internet and mobile banking services for business customers. The company was incorporated in 2016 and is based in Varanasi, India. Utkarsh Small Finance Bank Limited operates as a subsidiary of Utkarsh CoreInvest Limited.
Technical Analysis
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