I O B

Why is Indian Overseas Bank falling/rising?

As of 12-Aug, the stock price of Indian Overseas Bank is declining at 33.83, down -1.17%. This drop is due to underperformance against the Sensex, trading below moving averages, and a lack of market recognition for the company's strong fundamentals despite significant profit growth.

As of 12-Aug, the stock price of Indian Overseas Bank is falling, currently at 33.83, reflecting a change of -0.4 (-1.17%). This decline can be attributed to several factors. Over the past week, the stock has underperformed the benchmark Sensex, showing a decrease of -1.02% compared to the Sensex's -0.78%. Additionally, the stock has experienced a more significant drop over the past month, with a decline of -2.17%, while the Sensex has gained +0.51%.<BR><BR>The stock is also trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend. Despite a rise in investor participation, with delivery volume increasing by 17.21% on August 11, the overall performance today has underperformed the sector by -2.88%.<BR><BR>Furthermore, while the company has demonstrated strong long-term fundamentals, including a low Gross NPA ratio of 1.33% and a significant growth in net profits, the stock has still generated a return of -6.50% over the past year. This contrasts with the company's profit growth of 51%, suggesting that the market may not be fully recognizing the company's strong financial performance, contributing to the stock's decline. Overall, these factors indicate a challenging environment for the stock, leading to its current downward movement.

Which are the latest news on I O B?

Are Indian Overseas Bank latest results good or bad?

Indian Overseas Bank's latest Q1 FY27 results are positive, showing a 49.34% increase in net profit to ₹1,659.24 crores and improved asset quality with a gross NPA ratio of 1.33%. However, concerns about reliance on non-interest income and a declining CASA ratio suggest caution regarding the sustainability of this growth.

Indian Overseas Bank's latest results for Q1 FY27 can be considered good overall. The bank reported a net profit of ₹1,659.24 crores, which marks a significant year-on-year increase of 49.34%. Additionally, the net interest income rose to ₹3,687.62 crores, reflecting a 34.28% growth compared to the previous year. The net interest margin also improved to 3.37%, up 33 basis points year-on-year.<BR><BR>Moreover, the bank has shown impressive progress in asset quality, with the gross non-performing asset (NPA) ratio declining to 1.33%, down from 1.97% a year ago. This improvement, along with a robust provision coverage ratio of 97.67%, positions the bank favorably among its peers in the public sector banking space.<BR><BR>However, there are some concerns to note. The bank's reliance on non-interest income, which constituted 116.20% of profit before tax, raises questions about the sustainability of its earnings. Additionally, the current account savings account (CASA) ratio has declined, which could pressure margins in the future.<BR><BR>In summary, while the financial performance indicates strong growth and improving asset quality, the reliance on non-core income and the declining CASA ratio are factors that investors should monitor closely. Overall, the results reflect a positive trajectory for Indian Overseas Bank, but caution is warranted regarding the sustainability of this growth.

Should I buy, sell or hold Indian Overseas Bank?

When is the next results date for Indian Overseas Bank?

The next results date for Indian Overseas Bank is July 20, 2026.

The next results date for Indian Overseas Bank is scheduled for July 20, 2026.

Who are in the management team of I O B?

The management team of I O B includes Ajay Kumar Srivastava (Managing Director & CEO), S Srimathy and Sanjay Vinayak Mudaliyar (Executive Directors), along with several non-official directors and nominees from the government and RBI. Key members also include Nandakumaran S (Company Secretary) and directors B Chandra Reddy and Sanjaya Rastogi.

The management team of I O B includes the following members:<BR><BR>1. **Annie George Mathew** - Nominee (Govt)<BR>2. **Ajay Kumar Srivastava** - Managing Director & CEO<BR>3. **Nandakumaran S** - Company Secretary & Compliance Officer<BR>4. **S Srimathy** - Executive Director<BR>5. **Deepak Sharma** - Non Official Director<BR>6. **Suresh Kumar Rungta** - Non Official Director<BR>7. **Vivek Aggarwal** - Nominee (RBI)<BR>8. **B Chandra Reddy** - Non-official Director<BR>9. **Sanjay Vinayak Mudaliyar** - Executive Director<BR>10. **Sanjaya Rastogi** - Director (Shareholder)<BR><BR>If you need more specific information about any of these individuals or their roles, feel free to ask!

Who are the peers of the I O B?

The peers of I O B include Bank Of Baroda, Union Bank (I), Punjab Natl.Bank, Canara Bank, Indian Bank, Bank Of India, Bank of Maha, UCO Bank, Central Bank, and Pun. & Sind Bank. I O B has a 1-year return of -17.05%, higher than UCO Bank's -22.44% but lower than Bank of Maha's 50.08%.

Peers: The peers of I O B are Bank Of Baroda, Union Bank (I), Punjab Natl.Bank, Canara Bank, Indian Bank, Bank Of India, Bank of Maha, UCO Bank, Central Bank, and Pun. & Sind Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bank of Maha, while Good management risk is found at Bank Of Baroda, Union Bank (I), Punjab Natl.Bank, Canara Bank, Indian Bank, Bank Of India, I O B, UCO Bank, and Central Bank, and the rest. Average management risk is noted at Pun. & Sind Bank. All peers exhibit Good growth, except for Pun. & Sind Bank, which has Good growth but Average management risk. Capital Structure ratings are Good for Bank Of Baroda, Union Bank (I), Punjab Natl.Bank, Canara Bank, Indian Bank, Bank Of India, I O B, UCO Bank, and Central Bank, while Pun. & Sind Bank has Excellent capital structure.<BR><BR>Return Snapshot: Bank of Maha has the highest 1-year return at 50.08%, while UCO Bank has the lowest at -22.44%. I O B's 1-year return is -17.05%, which is higher than UCO Bank's but lower than Bank of Maha's. Additionally, the six-month returns are negative for UCO Bank, Central Bank, and I O B.

What does I O B do?

Indian Overseas Bank (IOB) is a mid-cap public sector bank focused on foreign exchange and overseas banking, founded in 1937. As of March 2026, it reported net sales of ₹8,488.96 Cr and a net profit of ₹1,505 Cr, with a market cap of ₹64,490 Cr.

Overview:<BR>Indian Overseas Bank (IOB) is a mid-cap public sector bank specializing in foreign exchange business and overseas banking.<BR><BR>History:<BR>Founded on February 10, 1937, by Shri. M. Ct. M. Chidambaram Chettyar, IOB has maintained its focus on foreign exchange and overseas banking. The latest financial results reported are for the quarter ending March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 8,488.96 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 1,505 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 64,490 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>Industry: Public Sector Bank <BR>Market cap: INR 64,490 Cr <BR>Dividend Yield: 0.00% <BR>CAR: 16.94% <BR>Return on Assets: 1.10% <BR>Net NPA: 0.21% <BR>Gross NPA: 1.42% <BR><BR>Contact Details:<BR>Address: 763 Anna Salai, Chennai Tamil Nadu: 600002 <BR>Tel: 91-44-28519491/28415702/28889392 <BR>Email: investor@iobnet.co.in / investorcom <BR>Website: http://www.iob.co.in

Is I O B technically bullish or bearish?

As of December 4, 2025, I O B's trend is neutral with mixed signals, showing a mildly bullish weekly MACD but a bearish monthly MACD, indicating a cautious outlook overall.

As of 4 December 2025, the technical trend for I O B has changed from bearish to sideways. The current stance is neutral, with mixed signals across various indicators. The weekly MACD is mildly bullish, while the monthly MACD remains bearish. The daily moving averages indicate a mildly bullish trend, but the Bollinger Bands and KST on the monthly are bearish. The Dow Theory shows a mildly bearish stance on both weekly and monthly time frames. Overall, the lack of strong bullish signals and the presence of bearish indicators suggest a cautious outlook.

Is I O B overvalued or undervalued?

As of October 16, 2025, I O B is considered overvalued with a PE ratio of 17.97 and a net NPA to Book Value ratio of 2.30, underperforming its peers and the market, which raises concerns about its financial metrics and asset quality.

As of 16 October 2025, the valuation grade for I O B has moved from fair to expensive. The company is currently considered overvalued based on its financial metrics. The PE ratio stands at 17.97, while the Price to Book Value is 2.27, and the PEG ratio is notably low at 0.43, indicating a potential disconnect between price and growth expectations.<BR><BR>In comparison to its peers, I O B's valuation appears less favorable; for instance, SBI has a PE ratio of 11.21 and Bank of Baroda is at 7, both of which suggest more attractive investment opportunities. Additionally, the net NPA to Book Value ratio for I O B is 2.30, which may raise concerns about asset quality relative to its peers. Over the past year, I O B has underperformed significantly with a stock return of -27.14% compared to a modest 2.41% return for the Sensex, reinforcing the notion that the stock is currently overvalued.

How has been the historical performance of I O B?

I O B has shown significant growth in financial performance from March 2023 to March 2025, with interest earned rising to 28,131.01 Cr, net interest income increasing to 10,890.21 Cr, and profit after tax reaching 3,334.71 Cr. Total assets also grew to 3,95,014.95 Cr, reflecting a strong recovery trajectory.

Answer:<BR>The historical performance of I O B shows a significant upward trend in various financial metrics over the years leading up to March 2025.<BR><BR>Breakdown:<BR>I O B's interest earned increased from 19,400.33 Cr in March 2023 to 28,131.01 Cr in March 2025, reflecting a robust growth trajectory. The net interest income also rose significantly, reaching 10,890.21 Cr in March 2025, up from 8,254.89 Cr in March 2023. Total income followed suit, climbing to 33,676.08 Cr in March 2025 from 23,509.08 Cr in March 2023. Despite an increase in interest expended, which reached 17,240.80 Cr in March 2025, the profit before tax improved markedly to 4,511.72 Cr, compared to 2,348.25 Cr in March 2023. Profit after tax also saw a positive trend, rising to 3,334.71 Cr in March 2025 from 2,098.79 Cr in March 2023. The bank's total assets grew to 3,95,014.95 Cr in March 2025, up from 3,13,733.99 Cr in March 2023, while total liabilities also increased to 3,95,014.94 Cr. The cash and cash equivalents improved to 21,070.00 Cr in March 2025, indicating a recovery from previous years. Overall, I O B has demonstrated a strong recovery and growth in its financial performance over the past few years.

How big is I O B?

As of 24th July, Indian Overseas Bank has a market capitalization of 75,332.00 Cr and reported a net profit of 3,812.93 Cr over the latest four quarters, with total assets of 3,95,014.95 Cr.

As of 24th July, <BR><BR>Market Cap: Indian Overseas Bank has a market capitalization of 75,332.00 Cr, classified as Large Cap.<BR><BR>Recent Quarterly Performance: The company reported net sales of 0.00 Cr for the latest quarters, with a net profit of 3,812.93 Cr for the latest four quarters.<BR><BR>Balance Sheet Snapshot: The reporting period for the balance sheet is March 2025, with shareholder's funds amounting to 32,540.92 Cr and total assets of 3,95,014.95 Cr.

Who are the top shareholders of the I O B?

The top shareholders of I O B include the President of India with 94.61%, Life Insurance Corporation of India at 1.82%, and individual investors holding 2.38%. Additionally, there are 14 mutual fund schemes and 22 foreign institutional investors with minor stakes.

The top shareholders of I O B are primarily the promoters, with the President of India holding the highest stake at 94.61%. Other significant shareholders include the Life Insurance Corporation of India, which holds 1.82%, and individual investors, who collectively own 2.38%. Additionally, there are 14 mutual fund schemes and 22 foreign institutional investors (FIIs) holding minor stakes of 0.12% and 0.08%, respectively.

Has I O B declared dividend?

Yes, Indian Overseas Bank has declared a 5% dividend, amounting to 0.5 per share. However, the dividend yield is 0%, and total returns have varied significantly, with strong positive returns over longer periods despite negative returns in the short term.

Indian Overseas Bank has declared a 5% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 5%<BR>- Amount per share: 0.5<BR>- Ex-date: Jun-19-2014<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was -31.49%, with a dividend return of 0%, resulting in a total return of -31.49%.<BR><BR>In the 1-year period, the price return was -40.57%, with a dividend return of 0%, leading to a total return of -40.57%.<BR><BR>In the 2-year period, the price return was 57.04%, with a dividend return of 0%, resulting in a total return of 57.04%.<BR><BR>In the 3-year period, the price return was 127.7%, with a dividend return of 0%, leading to a total return of 127.7%.<BR><BR>In the 4-year period, the price return was 105.82%, with a dividend return of 0%, resulting in a total return of 105.82%.<BR><BR>In the 5-year period, the price return was 278.41%, with a dividend return of 0%, leading to a total return of 278.41%.<BR><BR>Overall, while Indian Overseas Bank did declare a dividend, the dividend yield remains at 0%, indicating that dividends have not contributed to total returns in recent periods. The total returns show significant variability, with strong positive returns over longer periods despite negative returns in the short term.