Share Price and Basic Stock Data
Last Updated: January 8, 2026, 6:37 am
| PEG Ratio | 0.22 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bank of Maharashtra operates within the public sector banking space, with a current market capitalization of ₹48,718 Cr and a share price of ₹63.3. The bank reported a revenue of ₹15,899 Cr for the fiscal year ending March 2023, which is a significant increase compared to ₹13,019 Cr in the previous fiscal year. The upward trajectory continued into the trailing twelve months, where revenue stood at ₹27,238 Cr. Quarterly revenue trends also reflect robust growth, with ₹5,068 Cr reported in September 2023, up from ₹4,131 Cr in December 2022. This consistent growth in revenue highlights the bank’s effective strategies in expanding its client base and enhancing service offerings. Overall, the revenue growth is indicative of strong operational performance, aligning with the broader recovery trends in the Indian banking sector.
Profitability and Efficiency Metrics
Bank of Maharashtra’s profitability metrics illustrate a strong upward trend, with a reported net profit of ₹6,087 Cr for the trailing twelve months, compared to ₹2,605 Cr in the previous fiscal year. The return on equity (ROE) stood at an impressive 22.8%, signaling efficient use of shareholders’ equity to generate profits. Furthermore, the net profit margin for FY 2025 was recorded at 22.12%, up from 16.37% in FY 2023, indicating improved cost management and operational efficiency. The bank’s financing margin also showed resilience, with a reported 12% in June 2025, reflecting its ability to manage interest income effectively. However, the return on capital employed (ROCE) remained relatively modest at 5.72%, suggesting room for improvement in overall capital efficiency. These profitability indicators position Bank of Maharashtra as a competitive player in the public sector banking arena.
Balance Sheet Strength and Financial Ratios
The balance sheet of Bank of Maharashtra demonstrates solid financial health, with total assets reported at ₹369,354 Cr as of March 2025, up from ₹267,827 Cr in March 2023. The bank’s reserves increased significantly to ₹23,701 Cr, reflecting a strong capital base. Additionally, the equity capital rose to ₹7,692 Cr, enhancing the bank’s financial stability. The price-to-book value ratio stood at 1.33, indicating a reasonable valuation relative to its equity. The bank’s financial ratios, such as the cost-to-income ratio of 38.36%, suggest effective management of operational expenses. However, the net interest margin of 3.15x and the financing profit of ₹2,356 Cr for FY 2025 indicate that while the bank is generating profits, there is potential for further optimization in interest income generation. Overall, the balance sheet is robust, supporting future growth initiatives.
Shareholding Pattern and Investor Confidence
Bank of Maharashtra exhibits a diverse shareholding structure, with promoters holding 73.60% as of December 2025, showcasing strong control by the founding entities. Institutional investors, including foreign institutional investors (FIIs) at 4.68% and domestic institutional investors (DIIs) at 12.74%, reflect growing confidence in the bank’s performance. The public shareholding stands at 8.99%, indicating a stable retail investor base. The number of shareholders reached 9,67,566, pointing to increased retail interest. Notably, the promoter holding has declined from 90.97% in March 2023, suggesting a gradual diversification, which can enhance corporate governance. The shift in shareholding dynamics, coupled with the bank’s strong performance metrics, fosters a conducive environment for long-term investment, reinforcing investor confidence in the bank’s strategic direction.
Outlook, Risks, and Final Insight
Looking ahead, Bank of Maharashtra is well-positioned for sustained growth, bolstered by its strong revenue and profitability metrics. However, potential risks include the bank’s relatively modest ROCE and the impact of external economic factors on its loan portfolio. The declining trend in gross and net NPA ratios, currently at 1.72% and 0.18% respectively, indicates improved asset quality, yet vigilance is necessary as economic conditions fluctuate. Additionally, the bank’s reliance on interest income could pose challenges if interest rates fluctuate significantly. In conclusion, while Bank of Maharashtra demonstrates significant strengths, including robust profit margins and a strong balance sheet, it must navigate potential risks effectively to maintain its growth trajectory and enhance shareholder value in the competitive banking 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 | 1,26,970 Cr. | 166 | 167/101 | 6.87 | 165 | 2.86 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 37,481 Cr. | 29.9 | 46.3/26.8 | 14.9 | 25.9 | 1.30 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,29,662 Cr. | 1,007 | 1,024/680 | 11.8 | 617 | 1.58 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,44,443 Cr. | 126 | 128/85.5 | 8.48 | 124 | 2.31 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 20,315 Cr. | 28.6 | 52.0/25.2 | 17.5 | 19.2 | 0.24 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 154,818.77 Cr | 236.98 | 10.50 | 177.23 | 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 |
|---|---|---|---|---|---|---|
| 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: 8 (Industry average Stock P/E: 10.5)
- 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 08 January 2026) is ₹60.95 which is 3.71% lower the current market price of ₹63.30, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹48,711 Cr. market cap, FY2025-2026 high/low of ₹66.0/38.1, 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 48,711 Cr..
What is the current Stock Price of Bank of Maharashtra as on 08 January 2026?
The current stock price of Bank of Maharashtra as on 08 January 2026 is ₹63.3.
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 ₹66.0/38.1.
What is the Stock P/E of Bank of Maharashtra?
The Stock P/E of Bank of Maharashtra is 8.00.
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 2.37 %.
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.