The Karnataka Bank Limited (KTKBANK) Fair Value & Analysis
Financial Services · IN · Market cap ₹99.6B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated today
Share price −1.6% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹165.22 – ₹279.05 · fair‑value band ₹337.93 – ₹563.21 · the ₹263.40 price screens below the ₹450.57 fair value. As of Jul 3, 2026.
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The Karnataka Bank Limited (KTKBANK) currently trades at ₹263.40, while our model-based Fair Value estimate is ₹450.57 — implying the stock looks roughly 71.1% undervalued today. We read business quality at 52/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, The Karnataka Bank Limited generated revenue of ₹32.1B at a net margin of 40.9%. Revenue declined 1.7% year over year. It earns a return on equity of 10.4%. The balance sheet holds a net cash position of ₹24.1B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
The Karnataka Bank Limited provides various banking and financial services in India. It operates through four segments: Treasury operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The Corporate/Wholesale Banking segment provides various fund and non-fund-based products, including term loans, working capital facilities, foreign exchange services, structured finance, as well as trade financing products, such as letters of credit, guarantees, and bill discounting. The Retail Banking segment offers home, automobile, personal, and education loans; loans against term deposits; loans against securities; and gold, small business, and agriculture loans to agriculture, MSME, housing, and education sectors. Its products include KBL Contractor Mitra, KBL Micro Mitra, KBL Export Mitra, KBL MSME, as well as KBL Mahila Udyog for financial support of women entrepreneurs. The Treasury segment engages in statutory reserves management, such as SLR and CRR; …
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
The Karnataka Bank Limited reported revenue of ₹103B in FY2026 versus ₹71.7B in FY2022, a compound +9.5%/yr. Reported net income was ₹13.1B in FY2026, compounding +26.7%/yr from FY2022.
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Similar stocks
6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹746.85 | ₹880.28 | +18% |
| PT Bank Central Asia Tbk BBCA | 6,225 IDR | 6,617 IDR | +6% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,910 IDR | 4,891 IDR | +68% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| KB Financial Group 105560 | 154,000 KRW | 172,992 KRW | +12% |
| PT Bank Mandiri (Persero) Tbk BMRI | 3,710 IDR | 7,420 IDR | +100% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.