ScoreWhy is Bank of Maharashtra ?
1
Strong Long Term Fundamental Strength with a 66.40% CAGR growth in Net Profits
- A low ratio signifies bank has stronger due diligence systems when giving out loans
2
With a growth in Operating Profit of 7.69%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 22 consecutive quarters
- INTEREST EARNED(Q) Highest at Rs 7,755.15 cr
- PBT LESS OI(Q) Highest at Rs 1,391.20 cr.
- PAT(Q) Highest at Rs 2,014.09 cr.
3
Stock is technically in a Bullish range
- The technical trend has improved from Mildly Bullish on 15-Apr-26 and has generated 13.77% returns since then
- Multiple factors for the stock are Bullish like MACD, Bollinger Band, KST, DOW and OBV
4
With ROA of 1.6, it has a Fair valuation with a 1.9 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 58.48%, its profits have risen by 27.2% ; the PEG ratio of the company is 0.3
5
Increasing Participation by Institutional Investors
- Institutional investors have increased their stake by 2.05% over the previous quarter and collectively hold 19.47% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Bank of Maha should be less than 10%
- Overall Portfolio exposure to Public Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Maha for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank of Maha
42.25%
1.59
36.76%
Sensex
-3.04%
-0.49
12.94%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
17.12%
Net Profit Growth (5y)
62.50%
Advance to Deposit
76.48%
Capital Adequacy Ratio (Tier 1)
14.58%
Gross NPA (latest)
1.45%
Gross NPA (avg)
2.21%
Coverage Ratio (avg)
87.31%
Cost to Income (avg)
38.69%
Net Interest Margin (avg)
3.72%
Operating Profit to Assets (avg)
4.68%
ROA (avg)
1.31%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Price to Book Value
1.71
PEG Ratio
0.29
Dividend Yield
2.79%
ROE (Latest)
20.93%
ROA (Latest)
1.80%
Net NPA to Book Value
1.14
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
INTEREST EARNED(Q)
Highest at Rs 8,034.63 cr
PAT(Q)
Highest at Rs 2,020.19 cr.
GROSS NPA(Q)
Lowest at 1.45%
NII(Q)
Highest at Rs 3,769.97 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 87.65%
PBDIT(Q)
Highest at Rs 2,088.51 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 25.99%
EPS(Q)
Highest at Rs 2.63
NET NPA(Q)
Lowest at 0.13%
-6What is not working for the Company
OPERATING CF(Y)
Lowest at Rs -10,988.79 Cr
DPR(Y)
Lowest at 13.15%
NON-OPERATING INCOME(Q)
is 45.18 % of Profit Before Tax (PBT
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Here's what is working for Bank of Maha
Interest Earned - Quarterly
Highest at Rs 8,034.63 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 2,020.19 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.45%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 3,769.97 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,088.51 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 25.99%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Earnings per Share (EPS) - Quarterly
Highest at Rs 2.63
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.13%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 87.65%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Bank of Maha
Operating Cash Flow - Annually
Lowest at Rs -10,988.79 Cr and Fallen
each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (Rs Cr)
Non Operating Income - Quarterly
is 45.18 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Dividend Payout Ratio (DPR) - Annually
Lowest at 13.15%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Non Operating Income - Quarterly
Highest at Rs 1,028.66 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
