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Utkarsh SF Bank Key Ratios

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NSE: UTKARSHBNK | BSE: 543942

₹13.43

up-down-arrow ₹-0.33 (-2.40%)

As on 01-Oct-2026IST

Market cap

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₹2,395 Cr

Revenue (TTM)

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₹3,381 Cr

P/E Ratio

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--

P/B Ratio

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0.9

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Interest Income 5.59 0.30 -8.11 8.40 16.40
Interest Expended 0.18 -3.67 3.06 21.42 20.72
Net Interest Income 12.22 5.04 -19.15 -2.23 11.97
EPS 81.96 89.67 -121.91 -214.68 -242.03
Book Value -- -- -32.31 -6.63 2.23
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-26Mar-25
Net NPAs info 2.722.172.863.294.84
Net Interest Margin info 7.017.346.105.417.46
Net Margin info -5.250.34-24.92-30.210.54
Return on equity info -6.581.45-36.58-40.730.81
Return on Assets info -0.540.24-3.32-4.040.09

Income Statement

View Detailed Peer Comparison

Provisions and Contingencies

--

--

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
--
--
1,229.78
376.59
474.36
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Profitability

View Detailed Peer Comparison

Yield on Advances

--

--

Interest Earned as per cent of total advances

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
--
18.70
20.12
19.42
19.17
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Yield on Investments

--

--

(Interest on investments + net profit on investments) / total investments

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
--
6.41
5.85
5.69
5.21
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Spread

--

--

[Interest Earned / Advances * 100] - [ Interest expended / (borrowings + deposits) * 100]

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
--
10.93
12.83
12.78
13.09
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
NIM

6.10

--

(Interest earned - Interest expended) / (Cash and balance with RBI + Bank call money + Investments + Advances) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
6.10
5.41
7.46
8.17
8.29
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

-36.58

Lower than Peers by 45.41

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
-36.58
-40.73
0.81
20.17
22.80
Peer Median
8.83
7.63
20.17
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

-3.32

Lower than Peers by 4.40

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
-3.32
-4.04
0.09
2.31
2.37
Peer Median
1.08
0.76
1.99
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cost to Income Ratio

--

--

Operating expenses / (Interest earned - Interest Expended + Other Income) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
--
97.05
61.61
56.38
54.15
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-8.11

Lower than Peers by 24.77

Year on year growth in net sales

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
-8.11
-10.26
18.45
26.88
35.49
Peer Median
16.66
14.72
17.34
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

-348.61

--

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
-348.61
-94.40
0.97
18.96
63.76
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

-19.15

Higher than Peers by 3.77

Year on year growth in profit after tax

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
-19.15
-4,956.35
-95.24
23.02
558.13
Peer Median
-22.91
71.50
-46.76
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

-121.91

Lower than Peers by 82.75

Year on year growth in earnings per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
-121.91
-3,642.11
-95.25
0.25
557.85
Peer Median
-39.16
70.85
-46.80
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

-42.22

--

Year on year growth in book value per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
-42.22
-7.16
-0.70
48.90
26.59
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

-2.53

Lower than Peers by 17.90

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
-2.53
--
86.92
10.35
--
Peer Median
15.36
15.36
25.43
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

0.89

Lower than Peers by 0.31

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
0.89
0.67
0.83
1.75
--
Peer Median
1.20
1.20
1.26
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
--
--
--
1.07
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

124.93

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
124.93
82.49
4.75
7.17
3.87
Peer Median
--
-7.15
44.78
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

2,395

Lower than Peers by 2,715

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Utkarsh SF Bank
2,395
1,819
2,426
5,152
--
Peer Median
5,111
5,111
5,191
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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