Tamilnad Mercantile Bank Intrinsic Value
Tamilnad Mercantile Bank (TMB) median intrinsic value is ₹1013.64 from 8 valuation models (range ₹368–₹1633), vs current price ₹768.35 — +31.9% upside (Trading Below Calculated Value), margin of safety 24.2%. Also explore TMB price movement history to track price trends across different timeframes.
TMB Valuation Methods Summary — DCF, Graham Number & P/E
Tamilnad Mercantile Bank intrinsic value across 8 models vs current price ₹768.35 — upside/downside and value range per method. For current market price and key ratios, visit Tamilnad Mercantile Bank share price chart.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1013.64 | ₹810.91 - ₹1216.37 | +31.9% | EPS: ₹84.47, Sector P/E: 12x |
| Book Value Method | asset | ₹456.15 | ₹410.53 - ₹501.77 | -40.6% | Book Value/Share: ₹570.19, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹368.29 | ₹331.46 - ₹405.12 | -52.1% | Revenue/Share: ₹368.29, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹1632.58 | ₹1306.06 - ₹1959.10 | +112.5% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹676.54 | ₹608.89 - ₹744.19 | -11.9% | EPS Growth: 10.0%, Fair P/E: 8.0x |
| Growth Adjusted P/E | growth | ₹695.32 | ₹625.79 - ₹764.85 | -9.5% | Revenue Growth: 5.8%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1016.20 | ₹914.58 - ₹1117.82 | +32.3% | ROE: 14.9%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹1041.00 | ₹936.90 - ₹1145.10 | +35.5% | EPS: ₹84.47, BVPS: ₹570.19 |
TMB Intrinsic Value vs Market Price — All Valuation Models
Tamilnad Mercantile Bank fair value range ₹368–₹1633 vs current market price ₹768.35 across 8 valuation models. Browse TMB income statement for revenue, profit, balance sheet and cash flow data.
TMB Intrinsic Value Analysis — Undervalued or Overvalued?
Tamilnad Mercantile Bank median intrinsic value ₹1013.64, current price ₹768.35 — Trading Below Calculated Value by 31.9%, margin of safety 24.2%.
What is the intrinsic value of TMB?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Tamilnad Mercantile Bank (TMB) is ₹1013.64 (median value). With the current market price of ₹768.35, this represents a +31.9% variance from our estimated fair value.
The valuation range spans from ₹368.29 to ₹1632.58, indicating ₹368.29 - ₹1632.58.
Is TMB undervalued or overvalued?
Based on our multi-method analysis, Tamilnad Mercantile Bank (TMB) appears to be trading below calculated value by approximately 31.9%.
TMB Financial Health — Key Ratios vs Industry Benchmarks
Tamilnad Mercantile Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 | 14.9% | 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 | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
TMB Cash Flow Quality — Operating & Free Cash Flow
Tamilnad Mercantile Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |