Utkarsh Small Finance Bank P/B Ratio
UTKARSHBNK • Price-to-Book ratio analysis and book value breakdown
Current P/B Ratio
0.8
Low Valuation
Low - Trading below book value, may indicate undervaluation
Current Valuation Metrics
P/B Ratio
0.8
Current Price
₹13.20
Book Value/Share
₹27.00
Exchange
NSE
Book Value Breakdown (2025)
Balance Sheet Components
Total Equity
₹2,975 Cr
Share Capital
₹1,102 Cr
Reserves & Surplus
₹1,873 Cr
Outstanding Shares
1,102,000,000
Book Value per Share
₹27.00
Valuation Signal
Signal
Undervalued
Historical Avg
1.41
Historical Range
0.55 - 2.41
Percentile
33.3%
Sector Context
Sector Average
1.56
Sector Median
1.31
Sector Rank
#4 of 40
Sector Percentile
10.0%
Key P/B Ratio Insights for Utkarsh Small Finance Bank
- Stock appears undervalued with PB of 0.8, trading below book value
- Trading below book value - potential value opportunity or financial distress signal
- Current PB is 43.1% below historical average
- Trading at discount to sector average PB of 1.56
View the current stock price of Utkarsh Small Finance Bank for more insights.
P/B Ratio Historical Trend for Utkarsh Small Finance Bank
Historical P/B ratio trend based on balance sheet data. P/B below 1.0 may indicate undervaluation, while higher ratios suggest growth expectations or asset-light business models.
Related Pages for Utkarsh Small Finance Bank
Additional stock information and data for UTKARSHBNK
Historical P/B Ratio Data
| Year | P/B Ratio | Book Value/Share (₹) | Year-end Price (₹) | Total Equity (₹ Cr) | Valuation |
|---|---|---|---|---|---|
| 2025 | 0.55 | ₹27.0 | ₹14.82 | ₹2,975 | Low |
| 2024 | 1.26 | ₹27.03 | ₹33.99 | ₹2,973 | Moderate |
| 2023 | 2.41 | ₹22.32 | ₹53.85 | ₹2,000 | Moderate |
Sector P/B Ratio Comparison
Comparing Utkarsh Small Finance Bank with other companies in Banks sector
Sector Average
1.56
Sector Median
1.31
Lowest P/B
0.64
Highest P/B
4.01
Companies
40
| Company | Symbol | P/B Ratio | Market Cap (₹ Cr) | Valuation |
|---|---|---|---|---|
| Karnataka Bank | KTKBANK | 0.64 | ₹7,672 | Low |
| Suryoday Small Finance B… | SURYODAY | 0.67 | ₹1,404 | Low |
| Dhanlaxmi Bank | DHANBANK | 0.74 | ₹942 | Low |
| ESAF Small Finance Bank | ESAFSFB | 0.8 | ₹1,392 | Low |
| Capital Small Finance Ba… | CAPITALSFB | 0.85 | ₹1,190 | Low |
| Jana Small Finance Bank | JSFB | 0.91 | ₹3,903 | Low |
| Jammu & Kashmir Bank | J&KBANK | 0.94 | ₹13,367 | Low |
| South Indian Bank | SOUTHBANK | 0.99 | ₹10,769 | Low |
| Bank of Baroda | BANKBARODA | 1.02 | ₹166,492 | Moderate |
| Central Bank of India | CENTRALBK | 1.03 | ₹36,269 | Moderate |