Capital Small Finance Bank Limited (CAPITALSFB) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Capital Small Finance Bank Limited stock ₹240, price ₹273, that is 12.1% below the price, quality 39 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Capital Small Finance Bank Limited
CAPITALSFB · NSEOur calculation puts a fair price 12% below what the stock costs today.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
33‑month range ₹215.23 – ₹440.48 · fair‑value band ₹233.70 – ₹264.68 · the ₹272.85 price screens above the ₹239.83 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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Company profile
Capital Small Finance Bank Limited provides a range of banking and financial products and services for individuals and businesses in India. It operates through four segments: Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations.
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The company offers various deposits accounts, including savings, current, cumulative, short term, quarterly and monthly interest deposit and recurring deposits; real estate regulatory authority accounts; term deposits; bank lockers; debit and credit cards; trade finance; bank guarantees; 3-in-1 trading account; ATMs; cheque and pass books; and pension scheme.
It also provides loans, such as loan against rentals, auto, housing, gold, personal, mortgage loan against property, credit card for farmer, corporate loan, and MSME loans. In addition, the company offers various insurance products, such as general, life, health, travel, home, and motor.
Further, it provides money transfer, bill payment system, payment gateway, net banking, tax payments, and foreign exchange, government banking, NRI banking services and point of sale services.
The company was formerly known as Capital Local Area Bank Limited and changed its name to Capital Small Finance Bank Limited in April 2016. Capital Small Finance Bank Limited was incorporated in 1999 and is headquartered in Jalandhar, India.
Stock analysis
Capital Small Finance Bank Limited (CAPITALSFB) currently trades at ₹272.85, while our model-based Fair Value estimate is ₹239.83, 12% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹426.85 per share, and 2 of the 6 models we run sit above the ₹272.85 price.
Bear case: the Dividend Discount group reads lowest at ₹37.06, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: ₹233.70 (bear) to ₹264.68 (bull), the price of ₹272.85 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Capital Small Finance Bank Limited reported revenue of ₹11.5B in FY2025 versus ₹6.3B in FY2021, a compound +16.0%/yr. Reported net income was ₹1.4B in FY2025, compounding +22.6%/yr from FY2021.
Key figures
Market cap ₹12.4B (≈ $132M) Micro · P/E ratio 8.3 · P/S ratio 2.42 · EPS (TTM) ₹32.92 · Dividend yield 1.8% · Net margin 29.3% · Return on equity 10.5% · Return on assets (EBIT) 1.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 27% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −30% fair-value upside, at −12%, CAPITALSFB screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
Compare Capital Small Finance Bank Limited with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- PEG ratio by industry
- Revenue growth by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.63 | ¥7.59 | +35% | vs CAPITALSFB |
| China Merchants Bank Co 600036 | ¥43.01 | ¥52.73 | +23% | vs CAPITALSFB |
| BNP Paribas SA BNP | €95.66 | €107.43 | +12% | vs CAPITALSFB |
| Intesa Sanpaolo S.p.A ISP | €6.39 | €4.91 | −23% | vs CAPITALSFB |
| UniCredit S.p.A UCG | €83.55 | €58.08 | −30% | vs CAPITALSFB |
| Oversea-Chinese Banking Corporation O39 | 28.60 SGD | 18.20 SGD | −36% | vs CAPITALSFB |
| Mizuho Financial Group MFG | $9.93 | $5.89 | −41% | vs CAPITALSFB |
| DBS Group D05 | 70.37 SGD | 40.39 SGD | −43% | vs CAPITALSFB |
| HDFC Bank Limited HDFCBANK | ₹798.15 | ₹406.39 | −49% | vs CAPITALSFB |
| ICICI Bank Limited ICICIBANK | ₹1,589 | ₹615.63 | −61% | vs CAPITALSFB |
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Frequently asked questions
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Key figures of Capital Small Finance Bank Limited
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