Utkarsh Small Finance Bank Limited (UTKARSHBNK) AI Stock Analysis

• Market Cap: ₹23.05B
• Dividend Yield: 2.28%
• Average Volume (3M): 133.18K
• Price to Earnings (P/E): 101.8
• Beta (1Y): 1.34
• 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: 161,783
• 30 Day Avg. Volume: 133,177
• 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: ₹21.50
• Price Target Upside: 2.77% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 48 Neutral
• Price Target: ₹21.50 ▲(2.77% Upside)

The overall stock score is primarily influenced by the challenging financial performance, with declining revenue and profitability, and liquidity concerns. Technical analysis suggests a neutral trend, while valuation metrics highlight profitability issues despite a reasonable dividend yield. The absence of earnings call data and notable corporate events limits further insights.

Utkarsh Small Finance Bank Limited Business Overview & Revenue Model

Company Description

Utkarsh Small Finance Bank Limited provides banking and financial services in India. The company offers savings account, fixed, recurring, and tax saver fixed deposits; debit, credit, and other cards; home, LAP retail, personal, gold, and other loans; life and general insurance; investment products; and remittance, bill payment, locker facility, overdraft facility against fixed deposits, ATM and branch banking, and internet and mobile banking services for individual customers. It also provides current and institutional banking accounts; micro banking group, MSME, wholesale, micro banking business, commercial vehicle and construction equipment, and other loans; life and general insurance; various investment products; and remittance, bill payment, ATM, and internet and mobile banking services for business customers. The company was incorporated in 2016 and is based in Varanasi, India. Utkarsh Small Finance Bank Limited operates as a subsidiary of Utkarsh CoreInvest Limited.

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: Negative
• Last Price: 20.92
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 Negative. The current price of 20.92 is below the 20-day moving average (MA) of 21.60, below the 50-day MA of 21.55, and below the 200-day MA of 25.41, indicating a bearish trend. The MACD of 0.02 indicates Positive momentum. The RSI at 39.15 is Neutral, neither overbought nor oversold. The STOCH value of 22.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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	12.77B	9.52	9.82%	1.84%	14.99%	19.59%
ARMANFIN	57 Neutral	15.52B	249.94	5.96%	―	0.02%	-96.51%
EQUITASBNK	55 Neutral	64.62B	-63.11	2.42%	1.75%	13.47%	-115.98%
UTKARSHBNK	48 Neutral	₹23.05B	101.76	―	2.28%	12.40%	-166.78%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%