Stock Performance and Market Context
On the day the stock touched its new low, it recorded an intraday decline of 4.72%, closing with a day change of -3.52%. This underperformance was notable against its sector peers, with the stock lagging the Other Bank sector by 2.86%. Jana Small Finance Bank is currently trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling sustained bearish momentum.
The broader market environment also reflected some weakness. The Sensex, after a flat opening with a marginal gain of 28.57 points, fell by 671.37 points to close at 81,664.57, a decline of 0.78%. While the Sensex remains above its 200-day moving average, it is trading below its 50-day moving average, indicating some near-term pressure. Notably, the NIFTY REALTY index also hit a 52-week low on the same day, underscoring sectoral and market-wide volatility.
Over the past year, Jana Small Finance Bank’s stock has declined by 13.43%, contrasting with the Sensex’s positive return of 6.76% during the same period. The stock’s 52-week high was Rs.552.9, highlighting the extent of the recent correction.
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Financial Performance and Key Metrics
Jana Small Finance Bank has reported negative results for four consecutive quarters, contributing to the stock’s downward trajectory. The latest quarterly profit after tax (PAT) stood at Rs.74.99 crore, reflecting a decline of 30.7% compared to the average of the previous four quarters. Earnings before depreciation, interest, and taxes (PBDIT) also reached a low of Rs.31.49 crore in the most recent quarter.
The bank’s credit-deposit ratio for the half-year ended was recorded at 91.43%, the lowest level in recent periods, indicating a cautious lending stance relative to deposits. This metric is critical for assessing the bank’s utilisation of deposits for credit growth and overall asset quality.
Longer-term performance metrics also reveal challenges. The stock has underperformed the BSE500 index over the last three years, one year, and three months, signalling persistent relative weakness. Despite this, the company has demonstrated a healthy long-term net profit growth rate of 100.83% annually, suggesting some underlying operational strengths.
Valuation and Institutional Participation
Jana Small Finance Bank currently trades at a price-to-book value of 1, which is considered attractive relative to its peers’ historical valuations. The return on assets (ROA) stands at 1%, indicating moderate efficiency in asset utilisation. However, the stock’s profits have fallen by 43.2% over the past year, reflecting near-term earnings pressure despite the valuation discount.
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 suggests a degree of confidence in the company’s fundamentals, given their typically rigorous analysis and resource capabilities.
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Mojo Score and Market Capitalisation Assessment
The company’s Mojo Score currently stands at 28.0, with a Mojo Grade of Strong Sell as of 12 Jan 2026, an upgrade from the previous Sell rating. This grading reflects the stock’s deteriorated financial health and market performance. The market capitalisation grade is rated at 3, indicating a mid-tier valuation relative to market peers.
These assessments incorporate a range of factors including profitability trends, valuation metrics, and price momentum, providing a comprehensive view of the stock’s current standing within the Other Bank sector.
Summary of Key Price and Performance Indicators
To summarise, Jana Small Finance Bank Ltd’s stock has reached a fresh 52-week low of Rs.368.6, down from its 52-week high of Rs.552.9. The stock’s year-to-date and one-year performance have been subdued, with a 13.43% decline over the last 12 months. The company’s recent quarterly results have shown contraction in profits and subdued credit growth, contributing to the negative sentiment.
Trading below all major moving averages and underperforming its sector and benchmark indices, the stock reflects ongoing challenges in maintaining upward momentum. Institutional investors’ increased stake provides some indication of confidence in the company’s fundamentals, despite the current valuation and earnings pressures.
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