Stock Performance and Market Context
On 20 Jan 2026, Bank Of India’s shares touched Rs.165.45, marking the highest price level in the past year. This represents a significant appreciation from its 52-week low of Rs.92.74, translating to a gain of approximately 78.4% over the period. Despite a slight dip of -0.77% on the day, the stock continues to trade comfortably above its key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling a strong upward trend.
In contrast, the broader market benchmark, the Sensex, closed lower by 231.48 points (-0.32%) at 82,975.90, following a flat opening. The Sensex remains about 3.84% below its own 52-week high of 86,159.02 and has experienced a three-week consecutive decline, losing 3.25% in that span. Bank Of India’s outperformance is notable, with a one-year return of 58.97% compared to the Sensex’s 7.63% over the same timeframe.
Financial Strength Underpinning the Rally
The stock’s upward trajectory is supported by strong fundamental metrics. Bank Of India has demonstrated consistent profitability, with net profits growing at a compound annual growth rate (CAGR) of 46.49% over the long term. The company has reported positive results for 17 consecutive quarters, reflecting operational resilience and steady earnings growth.
For the nine months ended recently, the bank posted a profit after tax (PAT) of Rs.7,432.60 crore, marking a 34.76% increase year-on-year. Interest earned during the quarter reached a record high of Rs.18,406.09 crore, further highlighting the bank’s expanding core income streams.
Asset Quality and Valuation Metrics
Bank Of India maintains a low gross non-performing asset (NPA) ratio of 2.54%, which is among the lowest in the public sector banking segment. This asset quality metric supports the bank’s creditworthiness and underpins investor confidence in its lending practices.
From a valuation perspective, the stock trades at a price-to-book value of 0.9, indicating an attractive valuation relative to its peers and historical averages. The return on assets (ROA) stands at 0.9%, reflecting efficient utilisation of assets to generate profits. The company’s price/earnings to growth (PEG) ratio is 0.2, signalling that the stock’s price growth is well supported by its earnings expansion.
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Institutional Backing and Market Recognition
Institutional investors hold a significant 21% stake in Bank Of India, with their holdings increasing by 1.13% over the previous quarter. This level of institutional participation often reflects confidence in the company’s fundamentals and governance standards.
Bank Of India is rated highly by MarketsMojo, with a Mojo Score of 78.0 and a current Mojo Grade of Buy, following a recent downgrade from Strong Buy on 23 Oct 2025. The company ranks among the top 1% of all 4,000 stocks rated by MarketsMojo, positioned 11th among mid-cap stocks and 33rd across the entire market. Its market capitalisation grade stands at 2, indicating a solid mid-cap status.
Long-Term Growth and Market-Beating Returns
The bank’s consistent growth trajectory is evident in its ability to outperform broader indices. Over the past three years, Bank Of India has delivered returns surpassing those of the BSE500 index, reinforcing its status as a market-beating stock in both the near and long term. The stock’s 58.97% return in the last year is a testament to its strong earnings momentum and favourable market positioning.
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Technical Momentum and Trend Analysis
Technically, Bank Of India’s stock has demonstrated strong momentum, trading above all major moving averages, which typically signals sustained buying interest and positive price action. However, after four consecutive days of gains, the stock experienced a minor pullback today, underperforming its sector by 0.31%. This short-term correction is common in trending stocks and does not detract from the overall upward trajectory.
The broader market environment remains mixed, with the Sensex currently below its 50-day moving average, although the 50-day average remains above the 200-day average, indicating a longer-term bullish bias. Bank Of India’s relative strength amid a slightly subdued market highlights its resilience and sector leadership.
Summary of Key Metrics
To summarise, Bank Of India’s key financial and market metrics as of 20 Jan 2026 are:
- New 52-week high: Rs.165.45
- 52-week low: Rs.92.74
- One-year return: 58.97%
- Gross NPA ratio: 2.54%
- Net profit CAGR: 46.49%
- PAT (9 months): Rs.7,432.60 crore (up 34.76%)
- Interest earned (quarter): Rs.18,406.09 crore (highest)
- Price to book value: 0.9
- ROA: 0.9%
- PEG ratio: 0.2
- Institutional holdings: 21%, increased by 1.13% QoQ
- Mojo Score: 78.0 (Buy), downgraded from Strong Buy on 23 Oct 2025
Bank Of India’s achievement of a new 52-week high at Rs.165.45 is a clear reflection of its strong fundamentals, consistent earnings growth, and favourable market positioning within the public sector banking industry. The stock’s performance continues to outpace broader market indices, supported by solid asset quality and attractive valuation metrics.
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