Utkarsh Small Finance Bank P/B Ratio
Utkarsh Small Finance Bank (UTKARSHBNK) P/B ratio is 0.95 (Low), book value per share ₹15.60 vs Banks average P/B of 1.44 — Low - Trading below book value, may indicate undervaluation. Read UTKARSHBNK dividend payout details for the complete payout history and dividend yield track record.
Current Valuation Metrics
Book Value Breakdown (2026)
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 0.95 (Low). Explore Utkarsh Small Finance Bank intrinsic worth to estimate fundamental worth using multiple valuation models.
- Stock appears undervalued with PB of 0.95, trading below book value
- Trading below book value - potential value opportunity or financial distress signal
- Current PB is 25.9% below historical average
- Trading at discount to sector average PB of 1.44
Utkarsh Small Finance Bank P/B Ratio Historical Trend
UTKARSHBNK annual price-to-book ratio — 4 years, book value per share and year-end price. P/B below 1.0 indicates the stock trades below net asset value. For live price, earnings yield and the full fundamental profile, see Utkarsh Small Finance Bank share price today.
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 |
|---|---|---|---|---|---|
| 2026 | 0.91 | ₹15.6 | ₹14.17 | ₹2,776 | Low |
| 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 0.95 vs Banks average 1.44, median 1.33 — range 0.73–4.05.
| Company | Symbol | P/B Ratio | Market Cap (₹ Cr) | Valuation |
|---|---|---|---|---|
| Bank of Baroda | BANKBARODA | 0.73 | ₹123,146 | Low |
| Central Bank of India | CENTRALBK | 0.75 | ₹27,824 | Low |
| Suryoday Small Finance B… | SURYODAY | 0.77 | ₹1,539 | Low |
| Bank of India | BANKINDIA | 0.78 | ₹63,737 | Low |
| Capital Small Finance Ba… | CAPITALSFB | 0.83 | ₹1,225 | Low |
| Dhanlaxmi Bank | DHANBANK | 0.9 | ₹1,229 | Low |
| Punjab National Bank | PNB | 0.92 | ₹134,180 | Low |
| Canara Bank | CANBK | 0.96 | ₹112,476 | Low |
| Karnataka Bank | KTKBANK | 1.0 | ₹12,305 | Moderate |
| South Indian Bank | SOUTHBANK | 1.02 | ₹12,088 | Moderate |