Tamilnad Mercantile Bank Limited (IN:TMB)
:TMB
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TMB Stock Chart & Stats
₹437.55
₹0.65(0.15%)
At close: 4:00 PM EST
₹437.55
₹0.65(0.15%)
Day’s Range― - ―
52-Week Range₹418.65 - ₹795.00
Previous CloseN/A
Volume117.02K
Average Volume (3M)14.43K
Market Cap
₹120.79B
Enterprise Value₹89.87B
Total Cash (Recent Filing)₹34.50B
Total Debt (Recent Filing)₹12.84B
Price to Earnings (P/E)9.3
Beta0.66
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.15%
Share Statistics
EPS (TTM)76.70
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
Improving ProfitabilitySustained net income growth to 13.4B with healthy 18–22% margins signals durable earnings from core lending and fee activities. Consistent profitability supports internal capital accumulation, steadier ROE (~13–15%) and the bank's ability to finance growth and shareholder distributions over the medium term.
Conservative Balance SheetVery low leverage and material equity growth provide a strong capital buffer for credit cycles and regulatory headroom. Rising equity alongside asset growth increases loss-absorption capacity, enabling prudent loan expansion and supporting franchise stability across 2–6 month horizons and beyond.
Recent Cash Flow RecoveryOperating and free cash flows strengthened materially in 2025–2026, indicating improved cash conversion of earnings. Strong recent cash generation enhances capacity to fund loan growth, service capital needs and reduce reliance on external funding, improving medium-term financial flexibility.
Bears Say
Volatile Cash GenerationHistoric swings in operating and free cash flow, including sizable negatives in earlier years, create uncertainty about consistency of internal funding. Persistent volatility can force reliance on wholesale funding or capex cuts during stress, raising execution risk for multi-quarter plans.
Slowing Revenue GrowthA deceleration in top-line growth limits the bank's organic scalability and compresses potential upside in profits absent margin recovery or new revenue streams. Over a medium-term horizon, sustained slower growth increases pressure to improve pricing, cross-sell, or expand footprints to meet targets.
Recent Uptick In DebtAlthough leverage remains low, the increase in total debt suggests a tilt toward more borrowed funding. If continued, this trend could erode conservative balance-sheet strength, raise interest expense and reduce flexibility to absorb shocks, warranting monitoring over the coming quarters.
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 ₹795.00 in the past 12 months.
What is Tamilnad Mercantile Bank Limited’s market cap?
Tamilnad Mercantile Bank Limited’s market cap is ₹120.79B.
When is Tamilnad Mercantile Bank Limited’s upcoming earnings report date?
Tamilnad Mercantile Bank Limited’s upcoming earnings report date is Jul 29, 2026 which is in 41 days.
How were Tamilnad Mercantile Bank Limited’s earnings last quarter?
Tamilnad Mercantile Bank Limited released its earnings results on Apr 27, 2026. The company reported ₹23.6 earnings per share for the quarter, beating the consensus estimate of N/A by ₹23.6.
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 2.15%. 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 ₹23.6 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 9.759%.
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
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