Capital Small

Why is Capital Small Finance Bank Ltd falling/rising?

As of 12-Jun, Capital Small Finance Bank Ltd's stock price is at 282.05, reflecting a 1.84% increase. The stock has shown strong performance, gaining 4.16% over the last four days, outperforming the Sensex, and supported by solid fundamentals and high institutional holdings.

As of 12-Jun, Capital Small Finance Bank Ltd's stock price is rising, currently at 282.05, reflecting a change of 5.1 (1.84%) upward. The stock has been on a positive trend, gaining for the last four days with a total return of 4.16% during this period. Today, it opened with a gain of 3.27% and reached an intraday high of Rs 286. <BR><BR>The stock is performing well compared to the benchmark, having outperformed the Sensex over the past week and month, with respective returns of +4.23% and +1.57%. Additionally, the bank sector overall has seen a gain of 2.88%, contributing to the positive sentiment around Capital Small Finance Bank Ltd.<BR><BR>Despite a recent decline in investor participation, as indicated by a 20.96% drop in delivery volume, the stock remains liquid enough for trading. The company's strong fundamentals, including a healthy net profit growth rate of 25.23% annually, a robust net interest income, and a low gross NPA of 2.54%, further support the stock's upward movement. The attractive valuation, trading at a discount compared to peers, and high institutional holdings at 28.6% suggest confidence among larger investors, which can positively influence retail investor sentiment as well.

Which are the latest news on Capital Small?

What does Capital Small do?

Capital Small Finance Bank Ltd provides financial services focused on small finance, having been established in 1999 and rebranded in 2016. As of March 2026, it reported net sales of ₹273.14 Cr and a net profit of ₹40 Cr, with a market cap of ₹1,281 Cr.

Overview:<BR>Capital Small Finance Bank Ltd operates in the banking sector as a micro-cap company, providing financial services primarily focused on small finance.<BR><BR>History:<BR>Capital Small Finance Bank Limited was incorporated in 1999 as Capital Local Area Bank Limited. The bank underwent a name change in 2016 following approval from the Reserve Bank of India. The latest quarterly results reported are for March 2026, showing sales and profit figures.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 273.14 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 40 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 1,281 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 1.46% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details:<BR>Registrar Address: Not available. <BR>Phone: Not available. <BR>Email: Not available. <BR>Website: Not available.

How big is Capital Small?

As of 10th June, Capital Small Finance Bank Ltd has a market capitalization of 1,281.00 Cr, classified as a Micro Cap, with a Net Profit of 141.39 Cr over the latest four quarters and Total Assets of 12,149.05 Cr. There is no valid Net Sales data available for the latest quarters.

As of 10th June, <BR><BR>Market Cap: Capital Small Finance Bank Ltd has a market capitalization of 1,281.00 Cr, classified as a Micro Cap.<BR><BR>Recent Quarterly Performance: The company reported no valid Net Sales data for the latest quarters, while the Net Profit for the latest 4 quarters amounts to 141.39 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2026, with Shareholder's Funds at 1,461.03 Cr and Total Assets totaling 12,149.05 Cr.

Who are the peers of the Capital Small?

Capital Small's peers include AU Small Finance, Ujjivan Small, Equitas Small Finance, Jana Small Finance, Utkarsh Small Finance, Suryoday Small, and ESAF Small Finance. AU Small Finance leads in management quality, growth, and returns, while Capital Small shows average performance in these areas.

Peers: The peers of Capital Small are AU Small Finance, Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, Utkarsh Small F., Suryoday Small, and ESAF Small Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, and Suryoday Small, and the rest have Average management risk. Excellent growth is noted at AU Small Finance, Ujjivan Small, Jana Small Finan, Suryoday Small, and Capital Small, while Average growth is found at Equitas Sma. Fin and the rest have Below Average growth. Excellent capital structure is seen at AU Small Finance, Ujjivan Small, Equitas Sma. Fin, and Suryoday Small, while Below Average capital structure is noted at Jana Small Finan, Capital Small, and ESAF Small Fin.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 25.00%, while the peer with the lowest is Utkarsh Small F. at -50.06%. Capital Small's 1-year return is -9.42%, which is higher than Utkarsh Small F. but lower than AU Small Finance. Additionally, Utkarsh Small F. and ESAF Small Fin have negative six-month returns.

Are Capital Small Finance Bank Ltd latest results good or bad?

Capital Small Finance Bank Ltd's latest Q4 FY26 results are generally positive, with a net profit of ₹40.08 crores, a 16.48% increase quarter-on-quarter, and improved asset quality reflected in a lower NPA ratio of 2.54%. However, concerns about a high cost-to-income ratio and a declining CASA ratio suggest caution for future profitability.

Capital Small Finance Bank Ltd's latest results for Q4 FY26 indicate a generally positive performance. The bank reported a net profit of ₹40.08 crores, which marks a significant increase of 16.48% quarter-on-quarter and 17.06% year-on-year. This is the highest quarterly profit the bank has achieved, reflecting strong operational improvement.<BR><BR>Additionally, the net interest income rose to ₹120.68 crores, showing a sequential growth of 1.15% and a robust annual increase of 17.10%. The gross non-performing asset (NPA) ratio improved to 2.54%, the lowest level recorded by the bank, indicating better asset quality management.<BR><BR>However, there are some concerns. The bank's cost-to-income ratio remains elevated at 61.82%, which could limit profitability. Furthermore, the current account savings account (CASA) ratio has declined, which may pressure margins in the future. <BR><BR>Overall, while the bank's latest results show strong profitability and improved asset quality, challenges related to operational efficiency and declining low-cost deposits suggest a cautious outlook. Investors should weigh these factors when considering the bank's performance.

Should I buy, sell or hold Capital Small Finance Bank Ltd?

Is Capital Small technically bullish or bearish?

As of December 4, 2025, Capital Small's technical trend has shifted to bearish, driven by negative indicators such as the weekly MACD and daily moving averages, despite a mildly bullish signal from Dow Theory.

As of 4 December 2025, the technical trend has changed from mildly bearish to bearish. The current technical stance for Capital Small is bearish with moderate strength. Key indicators driving this stance include the weekly MACD, which is bearish, and the daily moving averages, also indicating a bearish trend. Additionally, both the weekly and monthly Bollinger Bands are bearish. While the Dow Theory shows a mildly bullish signal on the weekly timeframe, it does not outweigh the overall bearish indicators. The stock has underperformed against the Sensex across multiple time frames, further supporting the bearish outlook.

How has been the historical performance of Capital Small?

Capital Small has shown consistent financial growth from March 2019 to March 2025, with significant increases in interest earned (from 346.29 Cr to 908.50 Cr), total income (from 377.60 Cr to 994.52 Cr), and profit before tax (from 26.92 Cr to 175.13 Cr), alongside a robust rise in deposits and total assets. The company's reserves also expanded notably from 221.84 Cr to 1,294.89 Cr, indicating strong stability.

Answer:<BR>The historical performance of Capital Small shows a consistent growth trajectory across various financial metrics from March 2019 to March 2025.<BR><BR>Breakdown:<BR>Capital Small's interest earned has increased significantly from 346.29 Cr in March 2019 to 908.50 Cr in March 2025, reflecting a strong growth in income on investments and interest on advances. The total income has also risen from 377.60 Cr in March 2019 to 994.52 Cr in March 2025, while net interest income has grown from 135.14 Cr to 410.20 Cr during the same period. Total expenditure, excluding depreciation, has increased from 132.17 Cr to 310.79 Cr, with employee costs and other operating expenses contributing to this rise. Profit before tax has shown a notable increase from 26.92 Cr in March 2019 to 175.13 Cr in March 2025, leading to a profit after tax of 131.65 Cr, up from 19.41 Cr. The company's reserves have expanded significantly from 221.84 Cr to 1,294.89 Cr, and deposits have also increased from 4,446.62 Cr to 8,322.60 Cr. The total assets have grown from 5,329.87 Cr to 10,114.38 Cr, indicating a robust balance sheet. Cash and cash equivalents have improved, closing at 732.00 Cr in March 2025, up from 382.00 Cr in March 2020. Overall, Capital Small has demonstrated strong financial growth and stability over the years.

When is the next results date for Capital Small?

The next results date for Capital Small is July 24, 2025.

The next results date for Capital Small is scheduled for July 24, 2025.

Who are the top shareholders of the Capital Small?

The top shareholders of Capital Small include Sarvjit Singh Samra with 9.23%, the Oman India Joint Investment Fund II at 5.55%, and individual investors holding 24.91%. There are also mutual funds with 4.96% and 11 foreign institutional investors with 1.29%, with no pledged promoter holdings.

The top shareholders of Capital Small include Sarvjit Singh Samra, who holds the highest promoter share at 9.23%. The highest public shareholder is the Oman India Joint Investment Fund II, with a stake of 5.55%. Additionally, individual investors collectively hold 24.91% of the company. Mutual funds have a presence with 4.96% held by two schemes, and there are 11 foreign institutional investors (FIIs) holding 1.29%. Notably, there are no pledged promoter holdings.

Is Capital Small overvalued or undervalued?

As of May 10, 2024, Capital Small is considered undervalued with a PE ratio of 10.10, a Price to Book Value of 0.99, and a PEG ratio of 0.58, significantly lower than its peers HDFC Bank and ICICI Bank, indicating a shift from very expensive to very attractive despite a recent decline in stock performance over the past year.

As of 10 May 2024, the valuation grade for Capital Small has moved from very expensive to very attractive, indicating a significant shift in its perceived value. The company is currently considered undervalued, with a PE ratio of 10.10, a Price to Book Value of 0.99, and a PEG ratio of 0.58, all of which suggest that the stock is trading at a discount compared to its earnings growth potential.<BR><BR>In comparison to its peers, Capital Small stands out with a much lower PE ratio than HDFC Bank Ltd. (22.51) and ICICI Bank Ltd. (22.01), both of which are classified as expensive. Additionally, the dividend yield of 0.41% and a return on equity (ROE) of 9.82% further support the attractiveness of this investment. Notably, while Capital Small has experienced a 1-week stock return of 3.29% compared to the Sensex's 1.37%, it has underperformed over the past year with a decline of 10.34% against the Sensex's gain of 7.56%. Overall, the current valuation metrics and peer comparisons indicate that Capital Small is indeed undervalued.

Has Capital Small declared dividend?

Yes, Capital Small Finance Bank Ltd has declared a 12% dividend, amounting to ₹1.2 per share, with an ex-date of August 16, 2024. However, total returns over the past year have been negative at -12.51%.

Capital Small Finance Bank Ltd has declared a 12% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 12%<BR>- Amount per share: 1.2<BR>- Ex-date: 16 Aug 24<BR><BR>Dividend Yield: 0.41%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was 6.22%, the dividend return was 0%, resulting in a total return of 6.22%.<BR><BR>Over the past year, the price return was -12.86%, with a dividend return of 0.35%, leading to a total return of -12.51%.<BR><BR>In the 2-year period, both the price return and dividend return were 0%, resulting in a total return of 0.0%.<BR><BR>For the 3-year period, there was no price return or dividend return, leading to a total return of 0.0%.<BR><BR>In the 4-year period, the price return and dividend return remained at 0%, resulting in a total return of 0.0%.<BR><BR>Finally, in the 5-year period, there was no change in price or dividends, resulting in a total return of 0.0%.<BR><BR>Overall, while Capital Small Finance Bank Ltd has declared a dividend, the total returns over various periods show mixed results, with significant negative returns in the past year despite the recent dividend declaration.