Stock Price Movement and Market Context
On the day the new low was recorded, Jana Small Finance Bank outperformed its sector by 0.59%, despite the overall downward trend. The stock has experienced a four-day consecutive decline prior to this slight gain, but remains trading below all key moving averages – including the 5-day, 20-day, 50-day, 100-day, and 200-day averages – indicating sustained bearish momentum.
Meanwhile, the broader market showed mixed signals. The Sensex opened lower at 81,947.31, down 619.06 points (-0.75%), and was trading at 82,120.83 (-0.54%) during the same session. The Sensex remains 4.92% below its 52-week high of 86,159.02, with the index trading below its 50-day moving average, although the 50DMA remains above the 200DMA, suggesting some underlying resilience in the broader market.
Financial Performance and Profitability Trends
Jana Small Finance Bank’s recent financial results have contributed to the stock’s subdued performance. The company has reported negative results for four consecutive quarters, with the latest quarter’s profit after tax (PAT) at Rs.74.99 crore, representing a decline of 30.7% compared to the previous four-quarter average. The Profit Before Depreciation, Interest and Taxes (PBDIT) also hit a low of Rs.31.49 crore in the latest quarter.
The credit-deposit ratio for the half-year period stands at 91.43%, the lowest recorded in recent times, reflecting a cautious lending environment or slower credit growth relative to deposits. This ratio is a key metric for banks, indicating the extent to which deposits are being utilised for lending activities.
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Long-Term and Relative Performance
Over the past year, Jana Small Finance Bank’s stock has declined by 18.37%, underperforming the Sensex, which gained 7.00% over the same period. The stock has also lagged behind the BSE500 index across multiple time frames, including the last three years, one year, and three months, indicating persistent challenges in maintaining market confidence.
Despite the recent setbacks, the company has demonstrated healthy long-term growth, with net profit increasing at an annual rate of 100.83%. This growth, however, has not translated into short-term stock performance, as profits have fallen by 43.2% over the past year.
Valuation and Institutional Interest
Jana Small Finance Bank currently trades at a price-to-book value of 0.9, which is below the average historical valuations of its peers, suggesting an attractive valuation on a relative basis. The company’s return on assets (ROA) stands at 1.0, reflecting moderate asset utilisation efficiency.
Institutional investors have increased their stake by 3% over the previous quarter, now collectively holding 19.01% of the company’s shares. This increased participation by institutional players indicates a level of confidence in the company’s fundamentals, given their greater resources and analytical capabilities.
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Mojo Score and Market Ratings
According to MarketsMOJO’s assessment, Jana Small Finance Bank holds a Mojo Score of 28.0, categorised as a Strong Sell. This rating was upgraded from Sell to Strong Sell on 12 Jan 2026, reflecting a deterioration in the company’s financial and market metrics. The market capitalisation grade is rated at 3, indicating a mid-tier market cap relative to other listed entities in the sector.
The stock’s day change on the day of the new low was a modest increase of 0.45%, suggesting some short-term price support despite the prevailing downward trend.
Summary of Key Metrics
To summarise, Jana Small Finance Bank Ltd’s stock has reached a new 52-week low of Rs.351.85, down significantly from its 52-week high of Rs.552.90. The company’s recent quarterly results have shown declines in profitability, with PAT falling by 30.7% and PBDIT at a low of Rs.31.49 crore. The credit-deposit ratio has also contracted to 91.43%, signalling cautious credit deployment.
While the stock trades below all major moving averages and has underperformed the broader market indices, it maintains a relatively attractive valuation with a price-to-book ratio of 0.9 and an ROA of 1.0. Institutional investors have increased their holdings, now owning 19.01% of the company, which may reflect confidence in the company’s longer-term prospects despite recent setbacks.
Overall, the stock’s current position at a 52-week low encapsulates a period of financial pressure and market caution, set against a backdrop of broader market volatility and sector-specific challenges.
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