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 - ₹22.02
Previous CloseN/A
Volume2.28M
Average Volume (3M)1.67M
Market Cap
₹24.36B
Enterprise Value₹30.62B
Total Cash (Recent Filing)₹38.33B
Total Debt (Recent Filing)₹19.58B
Price to Earnings (P/E)―
Beta1.67
Next Earnings
Aug 03, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.82%
Share Statistics
EPS (TTM)-6.35
Shares Outstanding1,779,523,700
10 Day Avg. Volume665,369
30 Day Avg. Volume1,665,602
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.52
Price to Sales (P/S)0.37
P/FCF Ratio-8.69
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)₹26.94B
Bulls Say, Bears Say
Bulls Say
Underserved Retail & MSME FocusA focused model on underserved and unserved retail/MSME segments creates durable demand and deposit stickiness. Niche customer targeting typically yields higher loyalty, cross-sell potential and a granular retail deposit base, supporting stable net interest income over time.
Improving Balance-sheet LeverageA multi-year reduction in leverage and equity growth indicates meaningful balance-sheet repair. Lower leverage improves resilience to loan losses, reduces refinancing stress and provides capacity to support targeted lending or absorb shocks without immediate external recapitalization.
Proven Pre-shock ProfitabilityA recent track record of strong margins shows the bank's operating model can generate healthy returns when credit and revenue trends are normal. This operational leverage and pricing power in retail/MSME lending supports a credible path to margin recovery if asset quality and growth normalize.
Bears Say
Recent Profitability CollapseA material move to a large net loss and top-line contraction is a structural concern: shrinking revenue and deep losses weaken core earnings power, raise provisioning needs, and create uncertainty about the bank's ability to restore sustainable profitability without meaningful improvement in underlying credit or margins.
Extended Cash-flow WeaknessTwo consecutive years of negative operating and free cash flow reduce internal funding and liquidity flexibility. Persistent cash burn limits the bank's ability to invest in distribution or digital channels, constrains organic balance-sheet growth, and may force reliance on external funding or equity issuance.
Capital Erosion RiskWhile equity grew historically, continued losses threaten capital buffers. Prolonged erosion could trigger regulatory constraints, necessitate dilution or costly capital raising, and impair the bank's competitive position versus better-capitalized peers, limiting lending and strategic flexibility.
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 ₹22.02 in the past 12 months.
What is Utkarsh Small Finance Bank Limited’s market cap?
Utkarsh Small Finance Bank Limited’s market cap is ₹24.36B.
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 46 days.
How were Utkarsh Small Finance Bank Limited’s earnings last quarter?
Utkarsh Small Finance Bank Limited released its earnings results on May 09, 2026. The company reported -₹1.06 earnings per share for the quarter, beating the consensus estimate of -₹1.1 by ₹0.04.
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 -₹1.06 in its last earnings report, beating expectations of -₹1.1. 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 is an Indian financial institution delivering a comprehensive suite of banking and financial offerings. Its services cater to individual clients with diverse deposit accounts like savings, fixed, recurring, and tax-saving options, alongside debit and credit cards. Lending solutions for individuals encompass home loans, property-backed (LAP retail) loans, personal loans, and gold loans. The bank also offers life and general insurance, various investment products, and convenient services such as remittances, bill payments, locker facilities, and overdrafts against fixed deposits, all accessible via ATMs, physical branches, and digital platforms (internet and mobile banking). For business customers, the bank provides current and institutional banking accounts, with a loan portfolio extending to micro banking groups, MSMEs, wholesale clients, and financing for commercial vehicles and construction equipment. Businesses, like individuals, also have access to insurance products, investment opportunities, remittance services, bill payment options, and digital banking. Established in 2016 with its headquarters in Varanasi, India, the bank functions as a subsidiary of Utkarsh CoreInvest Limited.
Technical Analysis
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