Utkarsh Small Finance Bank P/B Ratio
Utkarsh Small Finance Bank (UTKARSHBNK) P/B ratio is 0.9 (Low), book value per share ₹27.00 vs Banks average P/B of 1.38 — Low - Trading below book value, may indicate undervaluation. View UTKARSHBNK price range for the annual high/low range and current price position.
Current Valuation Metrics
Book Value Breakdown (2025)
Valuation Signal
Sector Context
UTKARSHBNK P/B Ratio — Valuation Insights & Book Value Analysis
Utkarsh Small Finance Bank price-to-book ratio interpretation, valuation status and historical context — current P/B 0.9 (Low). For live price, earnings yield and the full fundamental profile, see Utkarsh Small Finance Bank share price today.
- Stock appears undervalued with PB of 0.9, trading below book value
- Trading below book value - potential value opportunity or financial distress signal
- Current PB is 36.0% below historical average
- Trading at discount to sector average PB of 1.38
Utkarsh Small Finance Bank P/B Ratio Historical Trend
UTKARSHBNK annual price-to-book ratio — 3 years, book value per share and year-end price. P/B below 1.0 indicates the stock trades below net asset value. Compare with UTKARSHBNK fundamental valuation to assess whether the stock is under or overvalued.
UTKARSHBNK Historical P/B Ratio — Book Value Per Share & Year-End Price
Utkarsh Small Finance Bank annual P/B ratio, book value per share (₹), year-end price and total equity in ₹ Crores.
| 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 |
UTKARSHBNK vs Banks Peers — P/B Ratio Comparison
Utkarsh Small Finance Bank P/B 0.9 vs Banks average 1.38, median 1.27 — range 0.77–3.81.
| Company | Symbol | P/B Ratio | Market Cap (₹ Cr) | Valuation |
|---|---|---|---|---|
| Karnataka Bank | KTKBANK | 0.77 | ₹9,307 | Low |
| Bank of India | BANKINDIA | 0.78 | ₹66,474 | Low |
| Bank of Baroda | BANKBARODA | 0.83 | ₹140,790 | Low |
| Punjab National Bank | PNB | 0.85 | ₹117,285 | Low |
| Capital Small Finance Ba… | CAPITALSFB | 0.86 | ₹1,258 | Low |
| ESAF Small Finance Bank | ESAFSFB | 0.87 | ₹1,506 | Low |
| Suryoday Small Finance B… | SURYODAY | 0.88 | ₹1,779 | Low |
| Central Bank of India | CENTRALBK | 0.89 | ₹30,911 | Low |
| South Indian Bank | SOUTHBANK | 0.93 | ₹10,732 | Low |
| DCB Bank | DCBBANK | 0.93 | ₹5,907 | Low |