Want to see IN:TMB full AI Analyst Report?
TMB Stock Chart & Stats
₹862.15
-₹5.30(-0.62%)
At close: 4:00 PM EDT
₹862.15
-₹5.30(-0.62%)
Day’s Range― - ―
52-Week Range₹418.65 - ₹915.35
Previous CloseN/A
Volume166.55K
Average Volume (3M)14.43K
Market Cap
₹134.31B
Enterprise Value₹90.79K
Total Cash (Recent Filing)₹40.73B
Total Debt (Recent Filing)₹15.40B
Price to Earnings (P/E)9.3
Beta0.70
Next Earnings
Oct 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.48%
Share Statistics
EPS (TTM)91.21
Shares Outstanding158,351,460
10 Day Avg. Volume9,091
30 Day Avg. Volume14,426
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)0.91
Price to Sales (P/S)1.37
P/FCF Ratio6.21
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)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Sustained ProfitabilityNet income and margins have improved steadily through the period, indicating durable earnings quality. Consistent net margins (~18–22%) and rising profits support internal capital formation and reinvestment capacity, strengthening the bank's ability to fund growth and absorb shocks over months.
Conservative Balance SheetVery low leverage and material equity growth provide a durable capital buffer, reducing solvency risk and supporting lending capacity. Strong equity expansion versus modest debt keeps capital ratios robust, giving flexibility to pursue loan growth or withstand credit cycles over the coming months.
Recent Improvement In Cash GenerationOperating and free cash flows recovered strongly in 2025–2026, showing the franchise can convert profits into cash. Improved cash conversion enhances funding for organic growth, provisioning and shareholder returns, increasing financial resilience over a 2–6 month horizon if the trend persists.
Bears Say
Volatile Cash Conversion HistoryCash generation has swung materially across years, with notable negative operating/free cash flows in earlier periods. Such volatility reduces predictability of internally available funds for lending, capex or dividends and raises execution risk if cash conversion reverses again.
Slowing Revenue GrowthTop-line expansion has moderated recently, reducing momentum from prior higher growth rates. Slower revenue growth can constrain margin expansion and earnings upside, forcing greater reliance on cost efficiencies or non‑interest income to sustain profit growth over the medium term.
Uptick In BorrowingsWhile leverage remains low, the recent rise in borrowings signals a shift from prior ultra-conservative funding. If continued, higher debt could increase funding cost sensitivity and slightly erode capital flexibility, necessitating monitoring of funding mix and interest expense trends.
Tamilnad Mercantile Bank Limited News
TMB FAQ
What was Tamilnad Mercantile Bank Limited’s price range in the past 12 months?
Tamilnad Mercantile Bank Limited lowest stock price was ₹418.65 and its highest was ₹915.35 in the past 12 months.
What is Tamilnad Mercantile Bank Limited’s market cap?
Tamilnad Mercantile Bank Limited’s market cap is ₹134.31B.
When is Tamilnad Mercantile Bank Limited’s upcoming earnings report date?
Tamilnad Mercantile Bank Limited’s upcoming earnings report date is Oct 23, 2026 which is in 80 days.
How were Tamilnad Mercantile Bank Limited’s earnings last quarter?
Tamilnad Mercantile Bank Limited released its earnings results on Jul 27, 2026. The company reported ₹25.987 earnings per share for the quarter, beating the consensus estimate of N/A by ₹25.987.
Is Tamilnad Mercantile Bank Limited overvalued?
According to Wall Street analysts Tamilnad Mercantile Bank Limited’s price is currently Overvalued.
Does Tamilnad Mercantile Bank Limited pay dividends?
Tamilnad Mercantile Bank Limited pays a Annually dividend of ₹12.5 which represents an annual dividend yield of 1.48%. See more information on Tamilnad Mercantile Bank Limited dividends here
What is Tamilnad Mercantile Bank Limited’s EPS estimate?
Tamilnad Mercantile Bank Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Tamilnad Mercantile Bank Limited have?
Tamilnad Mercantile Bank Limited has 158,351,460 shares outstanding.
What happened to Tamilnad Mercantile Bank Limited’s price movement after its last earnings report?
Tamilnad Mercantile Bank Limited reported an EPS of ₹25.987 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 11.197%.
Which hedge fund is a major shareholder of Tamilnad Mercantile Bank Limited?
Currently, no hedge funds are holding shares in IN:TMB
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
Tamilnad Mercantile Bank Limited
Tamilnad Mercantile Bank Limited is an Indian financial institution offering a diverse range of banking and financial solutions. Its operations are organized into key divisions: Treasury, Corporate and Wholesale Banking, Retail Banking, and various Other Banking Operations. The bank provides a comprehensive suite of products including various deposit accounts (savings, recurring, term, and current), debit and credit cards, and specialized services such as demat and equity trading accounts. Customers can also access POS terminal services, e-tax and online bill payments, investment options like mutual funds and sovereign gold bond schemes, insurance products, money transfer facilities, foreign exchange services, treasury solutions, and convenient internet and mobile banking. Furthermore, Tamilnad Mercantile Bank extends a wide array of loan products, encompassing financing for homes, vehicles (cars, two-wheelers, commercial vehicles), personal needs, house rent, education, and specific segments like doctors, pensioners, NRIs, jewel loans, small and medium-sized enterprises (MSMEs), rice and dhall mills, traders, service providers, and Mahalir groups. They also offer secured loans against properties and sovereign gold bonds, provide vehicle finance for educational institutions, and facilitate secured overdrafts, microenterprise loans, pharmaceutical sector financing, and channel finance. Established in 1921, the institution was initially known as The Nadar Bank Ltd. before adopting its current name, Tamilnad Mercantile Bank Limited, on November 26, 1962. Its main office is situated in Thoothukudi, India.
Technical Analysis
CSB Bank Ltd.
―
City Union Bank Limited
―
Karur Vysya Bank Ltd.
―
Karnataka Bank Ltd.
―
South Indian Bank Limited
―