Utkarsh Small Finance Bank Limited (IN:UTKARSHBNK)
:UTKARSHBNK
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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₹10.15 - ₹22.74
Previous CloseN/A
Volume2.28M
Average Volume (3M)1.67M
Market Cap
₹25.70B
Enterprise Value-₹882.85M
Total Cash (Recent Filing)₹38.33B
Total Debt (Recent Filing)₹19.58B
Price to Earnings (P/E)―
Beta1.53
Next Earnings
Aug 03, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.82%
Share Statistics
EPS (TTM)N/A
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)1.05
Revenue Forecast (FY)₹26.96B
Bulls Say, Bears Say
Bulls Say
Focused Retail / Microfinance FranchiseA persistent focus on underserved customers and microfinance/MSME lending builds a durable niche with sticky customer relationships and specialized credit expertise. This business model supports steady deposit mobilization and loan demand from segments often underbanked by larger banks, aiding long-term franchise stability.
Diversified Core Income SourcesEarning both net interest income and fee-based revenues provides structural resilience: interest spreads drive core earnings while fees smooth volatility. Over 2-6 months this mix helps absorb cyclical NII swings and supports recurring revenue as digital and transaction volumes grow in a retail-focused strategy.
Moderate Leverage And Stable Equity BaseModerate leverage with a roughly 0.8 debt/equity and a double-digit equity ratio provides structural financial flexibility. This balance sheet profile supports regulatory compliance, capacity to absorb shocks, and room to fund growth or provision increases without immediate capital raises over the medium term.
Bears Say
Severe Revenue DeclineA >40% revenue drop represents a meaningful structural deterioration in core business scale and demand. Over months this compresses margins, limits ability to cover fixed costs, and erodes scale economics in retail lending, raising execution risk in restoring origination volumes and fee income.
Negative Operating And Free Cash FlowSustained negative operating and free cash flows signal liquidity strain and reduced internal funding for lending or investment. Over a multi-month horizon, this forces reliance on external funding, increases funding cost sensitivity, and constrains the bank's ability to expand or shore up provisions without new capital.
Collapsed Profitability / Low ROEA collapse in margins and ROE to near-zero levels indicates earnings generation is currently inadequate to reward capital. This structural weakness undermines internal capital formation, increases sensitivity to credit losses or rate moves, and limits the bank's ability to rebuild profitability without material business or cost changes.
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 ₹10.15 and its highest was ₹22.74 in the past 12 months.
What is Utkarsh Small Finance Bank Limited’s market cap?
Utkarsh Small Finance Bank Limited’s market cap is ₹25.70B.
When is Utkarsh Small Finance Bank Limited’s upcoming earnings report date?
Utkarsh Small Finance Bank Limited’s upcoming earnings report date is Aug 03, 2026 which is in 92 days.
How were Utkarsh Small Finance Bank Limited’s earnings last quarter?
Currently, no data Available
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?
Currently, no data Available
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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