Utkarsh Small Finance Bank Limited (UTKARSHBNK) AI Stock Analysis

• Market Cap: ₹23.68B
• Dividend Yield: 2.33%
• Average Volume (3M): 196.98K
• Price to Earnings (P/E): 101.8
• Beta (1Y): 1.30
• Revenue Growth: 12.40%
• EPS Growth: -166.78%
• Country: IN
• Employees: 16,081
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -2.17
• Shares Outstanding: 1,101,609,900
• 10 Day Avg. Volume: 115,367
• 30 Day Avg. Volume: 196,976
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹20.50
• Price Target Upside: -5.00% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 45 Neutral
• Price Target: ₹20.50 ▼(-5.00% Downside)

The overall stock score of 45 reflects significant financial challenges, including declining revenue and profitability, as well as liquidity concerns. Technical analysis indicates bearish momentum, with the stock trading below key moving averages. Valuation metrics are mixed, with a negative P/E ratio but a relatively attractive dividend yield. These factors collectively suggest caution for investors.

Positive Factors

Market Position

The bank's focus on financial inclusion and underserved markets positions it well to capture growth in emerging segments, providing a durable competitive advantage.

Revenue Growth

Despite challenges, the bank's revenue growth indicates resilience and potential for expansion in its core markets, supporting long-term business sustainability.

Leverage Improvement

Improved leverage suggests better financial management, enhancing the bank's ability to invest in growth opportunities and withstand economic fluctuations.

Negative Factors

Profitability Decline

The significant decline in profitability indicates challenges in cost management and competitive pressures, which could affect long-term financial health.

Liquidity Concerns

Negative cash flows highlight potential liquidity issues, limiting the bank's ability to fund operations and growth, posing a risk to financial stability.

Revenue Decline

The sharp decline in revenue growth reflects operational challenges and market pressures, potentially impacting the bank's ability to sustain long-term growth.

Utkarsh Small Finance Bank Limited Business Overview & Revenue Model

Company Description

Utkarsh Small Finance Bank Limited (UTKARSHBNK) is a prominent player in the Indian banking sector, focusing on providing a wide range of financial services to underserved and unbanked populations. Established with the aim to enhance financial inclusion, the bank operates primarily in sectors including microfinance, retail banking, and small business loans. Its core products encompass savings accounts, fixed deposits, personal loans, and various credit facilities tailored to meet the needs of its diverse customer base, which includes individuals and small enterprises.

How the Company Makes Money

Utkarsh Small Finance Bank generates revenue primarily through the interest earned on loans provided to customers. The bank attracts deposits from individuals and businesses, which are then utilized to fund loans at a higher interest rate. This interest rate spread is a significant source of income. Additionally, the bank earns fees from various banking services, including account maintenance, transaction processing, and financial advisory services. It may also have partnerships with other financial institutions or fintech companies that enhance its product offerings and customer reach, contributing to its overall earnings. The bank’s focus on microfinance and small loans allows it to tap into a growing market segment, further supporting its revenue generation efforts.

Utkarsh Small Finance Bank Limited Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	Dec 2025	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	16.43B	22.86B	18.28B	12.46B	9.64B
Gross Profit	16.43B	22.86B	18.28B	12.46B	9.64B
EBITDA	1.04B	7.25B	5.94B	1.21B	1.81B
Net Income	237.00M	4.98B	4.05B	614.62M	1.12B
Balance Sheet
Total Assets	281.27B	239.03B	191.17B	150.64B	121.38B
Cash, Cash Equivalents and Short-Term Investments	34.37B	30.27B	25.16B	18.72B	11.70B
Total Debt	23.55B	18.45B	21.99B	23.35B	25.21B
Total Liabilities	251.53B	209.29B	171.17B	134.91B	107.70B
Stockholders Equity	29.75B	29.73B	20.00B	15.72B	13.68B
Cash Flow
Free Cash Flow	-33.76B	9.21B	14.97B	11.82B	-1.63B
Operating Cash Flow	-32.18B	11.11B	15.73B	13.29B	-834.63M
Investing Cash Flow	-7.77B	-6.20B	-6.93B	-7.39B	-5.32B
Financing Cash Flow	44.04B	39.02B	-2.35B	1.11B	1.72B

Utkarsh Small Finance Bank Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 21.58
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:UTKARSHBNK, the sentiment is Neutral. The current price of 21.58 is above the 20-day moving average (MA) of 21.22, below the 50-day MA of 21.95, and below the 200-day MA of 26.12, indicating a neutral trend. The MACD of -0.04 indicates Negative momentum. The RSI at 51.10 is Neutral, neither overbought nor oversold. The STOCH value of 67.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:UTKARSHBNK.

Utkarsh Small Finance Bank Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CAPITALSFB	73 Outperform	₹13.21B	9.86		1.78%	14.99%	19.59%
Sector *	68 Neutral	$18.00B	11.42	9.93%	3.81%	9.73%	1.22%
ARMANFIN	57 Neutral	₹15.01B	242.08		―	0.02%	-96.51%
EQUITASBNK	46 Neutral	₹62.67B	44.89		1.76%	13.47%	-115.98%
UTKARSHBNK	45 Neutral	₹23.68B	101.76		2.33%	12.40%	-166.78%
SURYODAY	―	₹13.50B	16.83		―	―	―
UJJIVANSFB	―	₹90.23B	17.07		3.21%	―	―