Utkarsh Small Finance Bank Limited (UTKARSHBNK) Fair Value & Analysis
Financial Services · IN · Market cap ₹26.8B
Fair value as of: Jul 3, 2026
From 3 valuation models · updated today
Share price +17.8% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹10.22 – ₹23.97 · fair‑value band ₹2.83 – ₹9.24 · the ₹15.07 price screens above the ₹5.85 fair value. As of Jul 3, 2026.
✦ Which stocks are undervalued right now? Check free Discover now →Analysis
Utkarsh Small Finance Bank Limited (UTKARSHBNK) currently trades at ₹15.07, while our model-based Fair Value estimate is ₹5.85 — implying the stock looks roughly 61.2% overvalued today. We read business quality at 23/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).
Trailing-twelve-month revenue stands at ₹3.4B. Revenue declined 48.5% year over year. It earns a return on equity of -40.0%. Net debt stands at ₹11.4B. 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
Utkarsh Small Finance Bank Limited provides banking and financial services for individuals and businesses in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, salary, current, term and recurrent deposit, institutional, and escrow banking accounts; term deposit products; certificates of deposits; locker facilities; digital products; investment products; joint liability group, business, MSME, commercial vehicle and construction equipment, gold, personal, home and other loans; overdraft against fixed deposit, wholesale lending, LAP retail, and Micro LAP; inward and outward remittance; and bill payment services. It also provides ATM, branch, internet, and mobile banking services; micro and wholesale banking services; mutual funds; and life, health, and general insurance. The company was founded in 2009 and is headquartered in Varanasi, India. Utkarsh Small Finance Bank Limited is a …
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Utkarsh Small Finance Bank Limited reported revenue of ₹38.1B in FY2026 versus ₹20.3B in FY2022, a compound +17.0%/yr. Reported net income was −₹11.5B in FY2026.
Is UTKARSHBNK fairly valued? → Check now
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 | ₹796.30 | ₹641.88 | -19% |
| PT Bank Central Asia Tbk BBCA | 4,850 IDR | 5,562 IDR | +15% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,870 IDR | 5,740 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| KB Financial Group 105560 | 157,000 KRW | 205,701 KRW | +31% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,260 IDR | 8,520 IDR | +100% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Utkarsh Small Finance Bank Limited (UTKARSHBNK) undervalued?
What is the fair value of UTKARSHBNK?
What is the quality score of UTKARSHBNK?
What is the revenue of Utkarsh Small Finance Bank Limited (UTKARSHBNK)?
What is the net profit margin of UTKARSHBNK?
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.