Tamilnad Mercantile Bank Intrinsic Value
TMB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹951.60 | ₹761.28 - ₹1141.92 | +41.6% | EPS: ₹79.30, Sector P/E: 12x |
| Book Value Method | asset | ₹456.15 | ₹410.53 - ₹501.77 | -32.1% | Book Value/Share: ₹570.19, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹408.04 | ₹367.24 - ₹448.84 | -39.3% | Revenue/Share: ₹408.04, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹534.81 | ₹481.33 - ₹588.29 | -20.4% | EBITDA: ₹1690.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹1632.58 | ₹1306.06 - ₹1959.10 | +142.9% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹525.80 | ₹473.22 - ₹578.38 | -21.8% | EPS Growth: 8.3%, Fair P/E: 6.6x |
| Growth Adjusted P/E | growth | ₹661.47 | ₹595.32 - ₹727.62 | -1.6% | Revenue Growth: 8.5%, Adj P/E: 8.3x |
| ROE Based Valuation | profitability | ₹953.92 | ₹858.53 - ₹1049.31 | +41.9% | ROE: 13.9%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹1008.64 | ₹907.78 - ₹1109.50 | +50.1% | EPS: ₹79.30, BVPS: ₹570.19 |
Want to compare with current market value? Check TMB share price latest .
Valuation Comparison Chart
TMB Intrinsic Value Analysis
What is the intrinsic value of TMB?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Tamilnad Mercantile Bank (TMB) is ₹661.47 (median value). With the current market price of ₹672.15, this represents a -1.6% variance from our estimated fair value.
The valuation range spans from ₹408.04 to ₹1632.58, indicating ₹408.04 - ₹1632.58.
Is TMB undervalued or overvalued?
Based on our multi-method analysis, Tamilnad Mercantile Bank (TMB) appears to be trading near calculated value by approximately 1.6%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.11 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 13.9% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 73.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.10x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Tamilnad Mercantile Bank
Additional stock information and data for TMB
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹1,899 Cr | ₹1,850 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-611 Cr | ₹-661 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-1,270 Cr | ₹-1,315 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹1,325 Cr | ₹1,272 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹-670 Cr | ₹-689 Cr | Negative Cash Flow | 3/10 |