Share Price and Basic Stock Data
Last Updated: December 19, 2025, 3:44 pm
| PEG Ratio | 0.20 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bank of Maharashtra, one of India’s prominent public sector banks, has shown a commendable trajectory in its revenue generation, with total revenue reported at ₹27,238 Cr for the trailing twelve months (TTM). The bank’s revenue has seen a consistent uptrend, rising from ₹15,899 Cr in FY 2023 to ₹20,495 Cr in FY 2024, marking a significant growth trajectory. The quarterly revenue also paints a positive picture, with the latest quarter ending September 2023 recording ₹5,068 Cr, up from ₹4,131 Cr in December 2022. This upward momentum is indicative of the bank’s strategic initiatives to enhance its lending portfolio and improve operational efficiency. The increase in deposits, which stood at ₹307,120 Cr by FY 2025, has also bolstered the bank’s capacity to fund its lending activities, thus supporting revenue growth. Overall, the revenue performance reflects a healthy demand for banking services and effective management of resources.
Profitability and Efficiency Metrics
When it comes to profitability, Bank of Maharashtra has demonstrated impressive metrics, particularly with a net profit of ₹6,087 Cr for the TTM, which is a significant leap from ₹2,605 Cr in FY 2023. This growth is further illustrated by an increase in earnings per share (EPS), which rose from ₹3.87 in FY 2023 to ₹7.51 in FY 2025. The bank’s return on equity (ROE) stood at an impressive 22.8%, showcasing its ability to generate substantial returns for its shareholders. However, it’s worth noting that the return on capital employed (ROCE) at 5.72% appears somewhat muted compared to industry benchmarks, suggesting room for improvement in capital utilization. Overall, the bank’s profitability metrics reflect a robust operational framework, yet there remains a need for enhanced efficiency in capital deployment to maximize shareholder value.
Balance Sheet Strength and Financial Ratios
Bank of Maharashtra’s balance sheet reflects a solid foundation, with total assets recorded at ₹369,354 Cr in FY 2025, up from ₹307,329 Cr in FY 2024. The bank’s reserves have significantly strengthened, growing to ₹23,701 Cr, which is a positive indicator of financial health and capacity to absorb potential losses. The gross non-performing assets (NPA) ratio has shown consistent improvement, declining to 1.74% in March 2025 from 2.47% in March 2023, reflecting effective asset quality management. However, the price-to-earnings (P/E) ratio of 7.10 may suggest that the stock is undervalued relative to its earnings potential, yet investors should be cautious given the historical volatility in profitability metrics. The cost-to-income ratio at 38.36% indicates a well-managed expense structure, but continuous monitoring is essential to sustain these efficiencies.
Shareholding Pattern and Investor Confidence
The shareholding structure of Bank of Maharashtra reveals a healthy level of promoter confidence, with promoters holding 79.60% of the stake. This substantial ownership underscores their commitment to the bank’s long-term vision. Meanwhile, foreign institutional investors (FIIs) have gradually increased their stake to 2.35%, while domestic institutional investors (DIIs) hold 10.06%. The increase in public shareholding from 5.49% in December 2022 to 8.00% in March 2025 reflects growing investor interest, which is a positive sign for market confidence. However, the recent decline in promoter holding from over 90% to below 80% could raise questions among investors about potential dilution or changes in governance dynamics. Overall, the shareholding pattern indicates a relatively stable base, but the shifts in promoter ownership warrant close observation going forward.
Outlook, Risks, and Final Insight
Looking ahead, Bank of Maharashtra’s outlook appears promising, primarily driven by its robust revenue growth and improving asset quality. However, potential risks loom on the horizon. The ongoing economic uncertainties, coupled with rising interest rates, may pose challenges to the bank’s lending environment and profitability. Additionally, while the decline in NPAs is encouraging, any reversal in this trend could impact investor sentiment significantly. Investors should also consider the bank’s dependence on the public sector and government policies, which can fluctuate based on broader economic conditions. In this context, while the fundamentals are strong, potential investors should remain vigilant about macroeconomic indicators and sectoral performance, as these factors will ultimately shape the bank’s trajectory. Balancing optimism with caution will be key for those considering an investment in Bank of Maharashtra.
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 | 1,17,558 Cr. | 154 | 160/101 | 6.36 | 165 | 3.08 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,001 Cr. | 28.7 | 46.3/26.8 | 14.3 | 25.9 | 1.36 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,04,600 Cr. | 980 | 999/680 | 11.5 | 617 | 1.62 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,37,570 Cr. | 120 | 128/85.5 | 8.08 | 124 | 2.42 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 18,662 Cr. | 26.3 | 52.0/25.2 | 16.1 | 19.2 | 0.27 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 147,603.38 Cr | 223.11 | 9.84 | 177.23 | 1.92% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,457 | 3,815 | 4,131 | 4,495 | 4,789 | 5,068 | 5,172 | 5,467 | 5,875 | 6,017 | 6,325 | 6,731 | 7,054 |
| Interest | 1,772 | 1,928 | 2,149 | 2,308 | 2,449 | 2,636 | 2,705 | 2,882 | 3,075 | 3,210 | 3,381 | 3,614 | 3,762 |
| Expenses | 1,349 | 1,507 | 1,622 | 2,098 | 1,882 | 2,164 | 2,076 | 2,339 | 2,349 | 2,219 | 2,269 | 2,561 | 2,414 |
| Financing Profit | 337 | 380 | 359 | 89 | 458 | 268 | 390 | 246 | 450 | 588 | 675 | 556 | 878 |
| Financing Margin % | 10% | 10% | 9% | 2% | 10% | 5% | 8% | 4% | 8% | 10% | 11% | 8% | 12% |
| Other Income | 317 | 503 | 640 | 822 | 629 | 668 | 680 | 1,022 | 894 | 792 | 788 | 981 | 825 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 654 | 883 | 999 | 911 | 1,088 | 936 | 1,070 | 1,268 | 1,344 | 1,380 | 1,463 | 1,537 | 1,703 |
| Tax % | 31% | 39% | 22% | 8% | 19% | 2% | 3% | 4% | 4% | 4% | 4% | 3% | 6% |
| Net Profit | 453 | 535 | 777 | 841 | 884 | 920 | 1,038 | 1,230 | 1,295 | 1,333 | 1,412 | 1,502 | 1,504 |
| EPS in Rs | 0.67 | 0.79 | 1.15 | 1.25 | 1.25 | 1.30 | 1.47 | 1.74 | 1.83 | 1.88 | 1.84 | 1.95 | 1.96 |
| Gross NPA % | 3.74% | 3.40% | 2.94% | 2.47% | 2.28% | 2.19% | 2.04% | 1.88% | 1.85% | 1.84% | 1.80% | 1.74% | 1.74% |
| Net NPA % | 0.88% | 0.68% | 0.47% | 0.25% | 0.24% | 0.23% | 0.22% | 0.20% | 0.20% | 0.20% | 0.20% | 0.18% | 0.18% |
Last Updated: August 1, 2025, 11:35 pm
Below is a detailed analysis of the quarterly data for Bank of Maharashtra based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 3,762.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,614.00 Cr. (Mar 2025) to 3,762.00 Cr., marking an increase of 148.00 Cr..
- For Expenses, as of Jun 2025, the value is 2,414.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2,561.00 Cr. (Mar 2025) to 2,414.00 Cr., marking a decrease of 147.00 Cr..
- For Other Income, as of Jun 2025, the value is 825.00 Cr.. The value appears to be declining and may need further review. It has decreased from 981.00 Cr. (Mar 2025) to 825.00 Cr., marking a decrease of 156.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 1,703.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,537.00 Cr. (Mar 2025) to 1,703.00 Cr., marking an increase of 166.00 Cr..
- For Tax %, as of Jun 2025, the value is 6.00%. The value appears to be increasing, which may not be favorable. It has increased from 3.00% (Mar 2025) to 6.00%, marking an increase of 3.00%.
- For Net Profit, as of Jun 2025, the value is 1,504.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,502.00 Cr. (Mar 2025) to 1,504.00 Cr., marking an increase of 2.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 1.96. The value appears strong and on an upward trend. It has increased from 1.95 (Mar 2025) to 1.96, marking an increase of 0.01.
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 |
|---|---|---|---|---|---|---|
| Canara Robeco Mid Cap Fund | 12,204,938 | 1.79 | 71.47 | N/A | N/A | N/A |
| UTI Mid Cap Fund | 12,200,000 | 0.59 | 71.44 | 10,000,000 | 2025-12-15 02:23:10 | 22% |
| UTI Large & Mid Cap Fund | 8,800,000 | 0.94 | 51.53 | 7,325,000 | 2025-12-15 02:23:10 | 20.14% |
| Aditya Birla Sun Life Multi-Cap Fund | 8,000,000 | 0.69 | 46.85 | N/A | N/A | N/A |
| Aditya Birla Sun Life PSU Equity Fund | 5,193,608 | 0.54 | 30.41 | 3,336,611 | 2025-12-08 03:21:56 | 55.66% |
| Bank of India Mid & Small Cap Equity & Debt Fund | 4,641,000 | 2.06 | 27.18 | N/A | N/A | N/A |
| JM Midcap Fund | 3,767,515 | 1.5 | 22.06 | 3,990,000 | 2025-12-08 03:21:56 | -5.58% |
| Navi Large & Midcap Fund | 1,065,000 | 1.95 | 6.24 | 800,000 | 2025-12-15 02:23:10 | 33.13% |
| Bank of India Large & Mid Cap Fund | 645,416 | 0.84 | 3.78 | N/A | N/A | N/A |
| Navi Flexi Cap Fund | 555,000 | 1.22 | 3.25 | 334,000 | 2025-12-15 02:23:10 | 66.17% |
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: 7.24 (Industry average Stock P/E: 9.84)
- 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 | investor_services@mahabank.co.in http://www.bankofmaharashtra.in |
| 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 19 December 2025) is 55.29 which is 3.34% lower the current market price of 57.20, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 43,996 Cr. market cap, FY2025-2026 high/low of 61.6/38.1, 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 43,996 Cr..
What is the current Stock Price of Bank of Maharashtra as on 19 December 2025?
The current stock price of Bank of Maharashtra as on 19 December 2025 is 57.2.
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 61.6/38.1.
What is the Stock P/E of Bank of Maharashtra?
The Stock P/E of Bank of Maharashtra is 7.24.
What is the Book Value of Bank of Maharashtra?
The Book Value of Bank of Maharashtra is 40.8.
What is the Dividend Yield of Bank of Maharashtra?
The Dividend Yield of Bank of Maharashtra is 2.62 %.
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.