Why is ESAF Small Fin falling/rising?

As of 17-Sep, ESAF Small Finance Bank Ltd's stock price is currently at 29.85, reflecting a decrease of 0.19 or 0.63%. The stock has recently underperformed its sector by 0.82% and has experienced a trend reversal, falling after four consecutive days of gains. In terms of returns, the stock has shown a modest increase of 2.16% over the past week but has significantly underperformed over the longer term, with a year-to-date decline of 29.00% and a one-year drop of 40.12%. Key negative factors contributing to this decline include a low Capital Adequacy Ratio of 0%, indicating weak capital buffers, and a high Cost to Income ratio of 79.65%, which suggests inefficiencies in cost management. Additionally, the bank has reported negative results for the last six consecutive quarters, with net profit growth at an alarming annual rate of -236.43%.
In the broader market context, while the Sensex has gained 1.56% over the past week, ESAF Small Finance Bank's performance has lagged behind, highlighting its struggles in a generally positive market environment. The stock's long-term performance is concerning, as it has underperformed the BSE500 over the last three years, one year, and three months. The lack of investment from domestic mutual funds, which hold 0% of the company, further indicates a lack of confidence in the stock's valuation and future prospects. Overall, the combination of weak financial metrics, poor investor sentiment, and underperformance relative to the benchmark suggests that ESAF Small Finance Bank Ltd is facing significant challenges that are contributing to its declining stock price.