Share Price and Basic Stock Data
Last Updated: January 28, 2026, 8:28 pm
| PEG Ratio | 0.22 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bank of Maharashtra (BoM) operates in the public sector banking industry, standing out with a current market capitalization of ₹50,518 Cr. The bank reported revenue growth, with total revenue standing at ₹15,899 Cr for the fiscal year ending March 2023, and projected to reach ₹24,948 Cr by March 2025. Quarterly revenue figures indicate a consistent upward trajectory, increasing from ₹3,815 Cr in September 2022 to ₹5,068 Cr by September 2023. This growth reflects a robust demand for banking services and effective management strategies. The bank’s interest income, which reached ₹8,157 Cr in FY 2023, is anticipated to rise to ₹13,281 Cr by FY 2025, indicating strong lending activities. Despite the absence of Operating Profit Margin data, the bank’s ability to generate substantial revenue positions it favorably within the sector, particularly when compared to typical public sector banks that often struggle with profitability.
Profitability and Efficiency Metrics
Bank of Maharashtra’s profitability metrics reveal a notable improvement, with a net profit of ₹2,605 Cr reported for FY 2023, expected to rise to ₹5,542 Cr by FY 2025. The bank’s Return on Equity (ROE) stood at 22.8%, significantly above many public sector peers, which often average between 8% to 15%. The bank’s net profit margin is also impressive at 22.12% for FY 2025, indicating effective cost management and operational efficiency. The Gross Non-Performing Asset (NPA) ratio has shown a declining trend, falling from 3.40% in September 2022 to 2.19% by September 2023, demonstrating improved asset quality. However, the Return on Capital Employed (ROCE) of 5.72% remains lower than ideal, suggesting room for further efficiency enhancements. Overall, the bank’s profitability metrics signal a positive trajectory, supported by strong revenue growth and improving asset quality.
Balance Sheet Strength and Financial Ratios
The balance sheet of Bank of Maharashtra exhibits a solid foundation, with total assets amounting to ₹369,354 Cr as of March 2025. The bank’s reserves significantly increased to ₹23,701 Cr, reflecting a strong capital position that supports growth initiatives. The equity capital rose to ₹7,692 Cr, while borrowings climbed to ₹23,853 Cr, indicating a strategic approach to leverage for growth. The bank’s cost-to-income ratio, which stood at 38.36%, shows effective cost management compared to the sector average of around 40%. Additionally, the Price to Book Value ratio is currently at 1.33, suggesting the stock is reasonably valued relative to its book value. Despite these strengths, the bank’s reliance on borrowings raises concerns about liquidity and interest rate risks, particularly in a volatile economic environment. However, the strong reserves position mitigates some of this risk.
Shareholding Pattern and Investor Confidence
Bank of Maharashtra’s shareholding pattern indicates a stable and confident investor base, with promoters holding 73.60% of the shares as of September 2025. This significant promoter stake reflects strong management commitment to the institution. Institutional investors, including Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs), hold 4.68% and 12.74% respectively, showcasing a growing interest from institutional players. The total number of shareholders reached 9,67,566, which suggests increasing retail participation. This trend is crucial for enhancing liquidity and market confidence. Notably, the reduction in promoter shareholding from 90.97% in March 2023 to 73.60% by September 2025 could indicate strategic divestments or capital raising efforts. However, the overall distribution of shares remains stable, reflecting confidence in the bank’s future prospects.
Outlook, Risks, and Final Insight
Looking ahead, Bank of Maharashtra is poised for continued growth, given its strong revenue trajectory and improving profitability metrics. However, potential risks include the bank’s reliance on increasing borrowings, which could expose it to interest rate fluctuations and liquidity challenges. Additionally, while the declining NPA ratio is encouraging, any resurgence in defaults could adversely affect profitability. The bank’s ability to maintain its asset quality while expanding its lending portfolio will be crucial. Overall, with a strong capital base, improving operational efficiency, and a solid market position, Bank of Maharashtra is well-equipped to navigate potential challenges. Future strategies may include enhancing digital banking capabilities and diversifying its service offerings to mitigate risks and leverage growth opportunities in the evolving financial landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,38,609 Cr. | 182 | 183/107 | 7.32 | 172 | 2.61 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,400 Cr. | 29.1 | 44.2/26.8 | 13.9 | 26.5 | 1.34 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,81,909 Cr. | 1,064 | 1,066/680 | 12.5 | 617 | 1.50 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,43,145 Cr. | 124 | 135/85.5 | 8.05 | 130 | 2.33 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,626 Cr. | 27.6 | 50.5/25.2 | 16.2 | 19.6 | 0.25 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 159,789.46 Cr | 245.64 | 10.14 | 180.98 | 1.81% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,815 | 4,131 | 4,495 | 4,789 | 5,068 | 5,172 | 5,467 | 5,875 | 6,017 | 6,325 | 6,731 | 7,054 | 7,128 |
| Interest | 1,928 | 2,149 | 2,308 | 2,449 | 2,636 | 2,705 | 2,882 | 3,075 | 3,210 | 3,381 | 3,614 | 3,762 | 3,880 |
| Expenses | 1,507 | 1,622 | 2,098 | 1,882 | 2,164 | 2,076 | 2,339 | 2,349 | 2,219 | 2,269 | 2,561 | 2,414 | 2,275 |
| Financing Profit | 380 | 359 | 89 | 458 | 268 | 390 | 246 | 450 | 588 | 675 | 556 | 878 | 973 |
| Financing Margin % | 10% | 9% | 2% | 10% | 5% | 8% | 4% | 8% | 10% | 11% | 8% | 12% | 14% |
| Other Income | 503 | 640 | 822 | 629 | 668 | 680 | 1,022 | 894 | 792 | 788 | 981 | 825 | 846 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 883 | 999 | 911 | 1,088 | 936 | 1,070 | 1,268 | 1,344 | 1,380 | 1,463 | 1,537 | 1,703 | 1,819 |
| Tax % | 39% | 22% | 8% | 19% | 2% | 3% | 4% | 4% | 4% | 4% | 3% | 6% | 10% |
| Net Profit | 535 | 777 | 841 | 884 | 920 | 1,038 | 1,230 | 1,295 | 1,333 | 1,412 | 1,502 | 1,504 | 1,669 |
| EPS in Rs | 0.79 | 1.15 | 1.25 | 1.25 | 1.30 | 1.47 | 1.74 | 1.83 | 1.88 | 1.84 | 1.95 | 1.96 | 2.17 |
| Gross NPA % | 3.40% | 2.94% | 2.47% | 2.28% | 2.19% | 2.04% | 1.88% | 1.85% | 1.84% | 1.80% | 1.74% | 1.74% | 1.72% |
| Net NPA % | 0.68% | 0.47% | 0.25% | 0.24% | 0.23% | 0.22% | 0.20% | 0.20% | 0.20% | 0.20% | 0.18% | 0.18% | 0.18% |
Last Updated: January 2, 2026, 7:31 am
Below is a detailed analysis of the quarterly data for Bank of Maharashtra based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 3,880.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,762.00 Cr. (Jun 2025) to 3,880.00 Cr., marking an increase of 118.00 Cr..
- For Expenses, as of Sep 2025, the value is 2,275.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2,414.00 Cr. (Jun 2025) to 2,275.00 Cr., marking a decrease of 139.00 Cr..
- For Other Income, as of Sep 2025, the value is 846.00 Cr.. The value appears strong and on an upward trend. It has increased from 825.00 Cr. (Jun 2025) to 846.00 Cr., marking an increase of 21.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 1,819.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,703.00 Cr. (Jun 2025) to 1,819.00 Cr., marking an increase of 116.00 Cr..
- For Tax %, as of Sep 2025, the value is 10.00%. The value appears to be increasing, which may not be favorable. It has increased from 6.00% (Jun 2025) to 10.00%, marking an increase of 4.00%.
- For Net Profit, as of Sep 2025, the value is 1,669.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,504.00 Cr. (Jun 2025) to 1,669.00 Cr., marking an increase of 165.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 2.17. The value appears strong and on an upward trend. It has increased from 1.96 (Jun 2025) to 2.17, marking an increase of 0.21.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 5:37 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 11,957 | 12,665 | 13,053 | 12,062 | 11,096 | 10,850 | 11,496 | 11,869 | 13,019 | 15,899 | 20,495 | 24,948 | 27,238 |
| Interest | 8,447 | 8,790 | 9,174 | 8,886 | 7,706 | 7,115 | 7,216 | 6,970 | 6,974 | 8,157 | 10,672 | 13,281 | 14,637 |
| Expenses | 3,918 | 3,953 | 4,332 | 6,709 | 8,034 | 9,825 | 5,330 | 6,788 | 7,278 | 6,314 | 8,542 | 9,311 | 9,519 |
| Financing Profit | -409 | -78 | -453 | -3,533 | -4,643 | -6,090 | -1,050 | -1,889 | -1,233 | 1,428 | 1,281 | 2,356 | 3,082 |
| Financing Margin % | -3% | -1% | -3% | -29% | -42% | -56% | -9% | -16% | -9% | 9% | 6% | 9% | 11% |
| Other Income | 907 | 1,020 | 1,037 | 1,525 | 1,540 | 1,568 | 1,660 | 2,649 | 2,655 | 2,283 | 3,015 | 3,476 | 3,440 |
| Depreciation | 100 | 115 | 149 | 118 | 129 | 241 | 211 | 188 | 268 | 262 | 223 | 291 | 0 |
| Profit before tax | 399 | 827 | 435 | -2,126 | -3,232 | -4,763 | 399 | 571 | 1,153 | 3,448 | 4,072 | 5,542 | 6,521 |
| Tax % | 0% | 44% | 73% | -36% | -66% | 0% | 0% | 0% | 0% | 24% | 0% | 0% | |
| Net Profit | 399 | 465 | 118 | -1,356 | -1,112 | -4,763 | 399 | 571 | 1,153 | 2,605 | 4,072 | 5,542 | 6,087 |
| EPS in Rs | 4.75 | 4.37 | 1.01 | -11.61 | -4.28 | -17.30 | 0.68 | 0.87 | 1.71 | 3.87 | 5.75 | 7.21 | 7.92 |
| Dividend Payout % | 21% | 18% | 0% | 0% | 0% | 0% | 0% | 0% | 29% | 34% | 24% | 21% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 16.54% | -74.62% | -1249.15% | 17.99% | -328.33% | 108.38% | 43.11% | 101.93% | 125.93% | 56.31% | 36.10% |
| Change in YoY Net Profit Growth (%) | 0.00% | -91.17% | -1174.53% | 1267.15% | -346.32% | 436.70% | -65.27% | 58.82% | 24.01% | -69.62% | -20.21% |
Bank of Maharashtra has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 7% |
| 5 Years: | 17% |
| 3 Years: | 24% |
| TTM: | 21% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 28% |
| 5 Years: | 70% |
| 3 Years: | 69% |
| TTM: | 28% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 4% |
| 5 Years: | 32% |
| 3 Years: | 42% |
| 1 Year: | -15% |
| Return on Equity | |
|---|---|
| 10 Years: | 6% |
| 5 Years: | 17% |
| 3 Years: | 21% |
| Last Year: | 23% |
Last Updated: September 5, 2025, 12:30 am
Balance Sheet
Last Updated: December 4, 2025, 1:01 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 839 | 1,063 | 1,168 | 1,168 | 2,598 | 2,753 | 5,824 | 6,560 | 6,730 | 6,730 | 7,081 | 7,692 | 7,692 |
| Reserves | 5,983 | 7,060 | 7,692 | 6,301 | 7,469 | 3,130 | 5,085 | 5,748 | 7,331 | 9,060 | 12,789 | 21,016 | 23,701 |
| Deposits | 119,599 | 125,915 | 142,785 | 139,040 | 138,967 | 140,636 | 150,050 | 173,989 | 202,275 | 234,064 | 270,726 | 307,120 | 309,767 |
| Borrowing | 6,109 | 7,322 | 5,423 | 8,137 | 4,064 | 10,149 | 3,670 | 4,239 | 7,747 | 10,766 | 7,719 | 23,853 | 24,924 |
| Other Liabilities | 3,831 | 4,713 | 3,961 | 4,765 | 3,351 | 8,008 | 4,388 | 6,299 | 6,700 | 7,207 | 9,013 | 9,673 | 7,423 |
| Total Liabilities | 136,360 | 146,073 | 161,029 | 159,411 | 156,449 | 164,676 | 169,018 | 196,835 | 230,783 | 267,827 | 307,329 | 369,354 | 373,507 |
| Fixed Assets | 1,446 | 1,432 | 1,695 | 1,564 | 1,487 | 1,741 | 1,604 | 1,622 | 2,036 | 2,149 | 2,200 | 2,911 | 2,904 |
| CWIP | 0 | 0 | 0 | 22 | 30 | 34 | 72 | 52 | 205 | 8 | 10 | 4 | 0 |
| Investments | 37,290 | 32,819 | 36,302 | 38,677 | 43,742 | 59,837 | 57,891 | 68,281 | 68,762 | 69,042 | 68,465 | 82,216 | 96,199 |
| Other Assets | 97,625 | 111,822 | 123,033 | 119,148 | 111,189 | 103,064 | 109,451 | 126,880 | 159,780 | 196,628 | 236,655 | 284,222 | 274,403 |
| Total Assets | 136,360 | 146,073 | 161,029 | 159,411 | 156,449 | 164,676 | 169,018 | 196,835 | 230,783 | 267,827 | 307,329 | 369,354 | 373,507 |
Below is a detailed analysis of the balance sheet data for Bank of Maharashtra based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 7,692.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 7,692.00 Cr..
- For Reserves, as of Sep 2025, the value is 23,701.00 Cr.. The value appears strong and on an upward trend. It has increased from 21,016.00 Cr. (Mar 2025) to 23,701.00 Cr., marking an increase of 2,685.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 7,423.00 Cr.. The value appears to be improving (decreasing). It has decreased from 9,673.00 Cr. (Mar 2025) to 7,423.00 Cr., marking a decrease of 2,250.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 373,507.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 369,354.00 Cr. (Mar 2025) to 373,507.00 Cr., marking an increase of 4,153.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 2,904.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,911.00 Cr. (Mar 2025) to 2,904.00 Cr., marking a decrease of 7.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 4.00 Cr..
- For Investments, as of Sep 2025, the value is 96,199.00 Cr.. The value appears strong and on an upward trend. It has increased from 82,216.00 Cr. (Mar 2025) to 96,199.00 Cr., marking an increase of 13,983.00 Cr..
- For Other Assets, as of Sep 2025, the value is 274,403.00 Cr.. The value appears to be declining and may need further review. It has decreased from 284,222.00 Cr. (Mar 2025) to 274,403.00 Cr., marking a decrease of 9,819.00 Cr..
- For Total Assets, as of Sep 2025, the value is 373,507.00 Cr.. The value appears strong and on an upward trend. It has increased from 369,354.00 Cr. (Mar 2025) to 373,507.00 Cr., marking an increase of 4,153.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -116.00 | -122.00 | -138.00 | -133.00 | -130.00 | -131.00 | -145.00 | -167.00 | -195.00 | -228.00 | -262.00 | -298.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 6% | 6% | 1% | -17% | -13% | -60% | 5% | 5% | 9% | 17% | 23% | 23% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Kotak Midcap Fund | 108,261,596 | 1.11 | 671.76 | N/A | N/A | N/A |
| Aditya Birla Sun Life PSU Equity Fund | 33,193,607 | 3.65 | 205.97 | 5,193,608 | 2026-01-26 00:58:33 | 539.12% |
| UTI Mid Cap Fund | 25,000,000 | 1.3 | 155.13 | 12,200,000 | 2026-01-26 00:58:33 | 104.92% |
| Kotak Large & Midcap Fund | 24,000,000 | 0.5 | 148.92 | N/A | N/A | N/A |
| Canara Robeco Mid Cap Fund | 14,182,185 | 2.16 | 88 | 12,204,938 | 2026-01-26 00:58:33 | 16.2% |
| Aditya Birla Sun Life Multi Asset Allocation Fund | 13,678,933 | 1.52 | 84.88 | N/A | N/A | N/A |
| Aditya Birla Sun Life Banking and Financial Services Fund | 12,546,499 | 2.11 | 77.85 | N/A | N/A | N/A |
| Aditya Birla Sun Life Multi-Cap Fund | 12,000,000 | 1.11 | 74.46 | 8,000,000 | 2026-01-26 00:58:33 | 50% |
| Aditya Birla Sun Life Large and Mid Cap Fund | 11,506,474 | 1.23 | 71.4 | N/A | N/A | N/A |
| UTI Large & Mid Cap Fund | 9,809,589 | 1.08 | 60.87 | 8,800,000 | 2026-01-26 00:58:33 | 11.47% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 7.51 | 5.80 | 3.87 | 1.73 | 0.91 |
| Diluted EPS (Rs.) | 7.51 | 5.80 | 3.87 | 1.73 | 0.91 |
| Cash EPS (Rs.) | 7.55 | 6.04 | 4.26 | 2.11 | 1.13 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 34.86 | 26.02 | 21.27 | 18.55 | 16.97 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 37.32 | 28.06 | 23.46 | 20.89 | 18.76 |
| Operating Revenue / Share (Rs.) | 32.44 | 28.94 | 23.62 | 19.34 | 18.09 |
| Net Profit / Share (Rs.) | 7.18 | 5.73 | 3.87 | 1.71 | 0.84 |
| Net Profit After MI / Share (Rs.) | 7.21 | 5.75 | 3.87 | 1.71 | 0.87 |
| Net Profit Margin (%) | 22.12 | 19.78 | 16.37 | 8.84 | 4.64 |
| Net Profit After MI And SOA Nargin (%) | 22.21 | 19.86 | 16.38 | 8.85 | 4.81 |
| Operating Profit Margin (%) | 36.50 | 31.63 | 25.96 | 13.23 | 7.32 |
| Return On Assets (%) | 1.50 | 1.32 | 0.97 | 0.49 | 0.29 |
| Return On Equity / Networth (%) | 20.66 | 22.09 | 18.19 | 9.23 | 5.13 |
| Net Interest Margin (X) | 3.15 | 3.19 | 2.89 | 2.61 | 2.48 |
| Cost To Income (%) | 38.36 | 37.55 | 39.13 | 44.26 | 47.38 |
| Interest Income / Total Assets (%) | 6.75 | 6.66 | 5.93 | 5.64 | 6.02 |
| Non-Interest Income / Total Assets (%) | 0.93 | 0.97 | 0.85 | 1.14 | 1.33 |
| Operating Profit / Total Assets (%) | 0.55 | 0.34 | 0.12 | -0.65 | -1.05 |
| Operating Expenses / Total Assets (%) | 1.57 | 1.56 | 1.46 | 1.66 | 1.81 |
| Interest Expenses / Total Assets (%) | 3.59 | 3.47 | 3.04 | 3.02 | 3.54 |
| Enterprise Value (Rs.Cr.) | 328530.19 | 301393.81 | 243000.21 | 201540.00 | 178990.69 |
| EV Per Net Sales (X) | 13.17 | 14.71 | 15.28 | 15.48 | 15.08 |
| Price To Book Value (X) | 1.33 | 2.39 | 1.16 | 0.90 | 1.23 |
| Price To Sales (X) | 1.43 | 2.15 | 1.05 | 0.86 | 1.15 |
| Retention Ratios (%) | 79.18 | 75.65 | 66.41 | 70.82 | 100.00 |
| Earnings Yield (X) | 0.15 | 0.09 | 0.15 | 0.10 | 0.04 |
After reviewing the key financial ratios for Bank of Maharashtra, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 7.51. This value is within the healthy range. It has increased from 5.80 (Mar 24) to 7.51, marking an increase of 1.71.
- For Diluted EPS (Rs.), as of Mar 25, the value is 7.51. This value is within the healthy range. It has increased from 5.80 (Mar 24) to 7.51, marking an increase of 1.71.
- For Cash EPS (Rs.), as of Mar 25, the value is 7.55. This value is within the healthy range. It has increased from 6.04 (Mar 24) to 7.55, marking an increase of 1.51.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 34.86. It has increased from 26.02 (Mar 24) to 34.86, marking an increase of 8.84.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.32. It has increased from 28.06 (Mar 24) to 37.32, marking an increase of 9.26.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 7.18. This value is within the healthy range. It has increased from 5.73 (Mar 24) to 7.18, marking an increase of 1.45.
- For Net Profit Margin (%), as of Mar 25, the value is 22.12. This value exceeds the healthy maximum of 10. It has increased from 19.78 (Mar 24) to 22.12, marking an increase of 2.34.
- For Return On Assets (%), as of Mar 25, the value is 1.50. This value is below the healthy minimum of 5. It has increased from 1.32 (Mar 24) to 1.50, marking an increase of 0.18.
- For Retention Ratios (%), as of Mar 25, the value is 79.18. This value exceeds the healthy maximum of 70. It has increased from 75.65 (Mar 24) to 79.18, marking an increase of 3.53.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Bank of Maharashtra:
- Net Profit Margin: 22.12%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.22%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 14.34%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 7.79 (Industry average Stock P/E: 10.14)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 22.12%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | 1501, Lokmangal, Shivajinagar, Pune Maharashtra 411005 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Nidhu Saxena | Managing Director & CEO |
| Mr. Rohit Rishi | Executive Director |
| Mr. Asheesh Pandey | Executive Director |
| Mr. Praveen Kumar | Shareholder Director |
| Mr. Sanjeev Prakash | Nominee Director |
| Dr. Abhijit Phukon | Government Nominee Director |
FAQ
What is the intrinsic value of Bank of Maharashtra?
Bank of Maharashtra's intrinsic value (as of 28 January 2026) is ₹85.71 which is 30.66% higher the current market price of ₹65.60, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹50,457 Cr. market cap, FY2025-2026 high/low of ₹67.8/38.1, reserves of ₹23,701 Cr, and liabilities of ₹373,507 Cr.
What is the Market Cap of Bank of Maharashtra?
The Market Cap of Bank of Maharashtra is 50,457 Cr..
What is the current Stock Price of Bank of Maharashtra as on 28 January 2026?
The current stock price of Bank of Maharashtra as on 28 January 2026 is ₹65.6.
What is the High / Low of Bank of Maharashtra stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Bank of Maharashtra stocks is ₹67.8/38.1.
What is the Stock P/E of Bank of Maharashtra?
The Stock P/E of Bank of Maharashtra is 7.79.
What is the Book Value of Bank of Maharashtra?
The Book Value of Bank of Maharashtra is 43.4.
What is the Dividend Yield of Bank of Maharashtra?
The Dividend Yield of Bank of Maharashtra is 2.29 %.
What is the ROCE of Bank of Maharashtra?
The ROCE of Bank of Maharashtra is 5.72 %.
What is the ROE of Bank of Maharashtra?
The ROE of Bank of Maharashtra is 22.8 %.
What is the Face Value of Bank of Maharashtra?
The Face Value of Bank of Maharashtra is 10.0.