Bank of Maharashtra (MAHABANK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Part of MojoOne Strategy

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Bank Of Baroda

Canara Bank

Bank Of India

Bank of Maha

Indian Bank

Punjab Natl.Bank

Union Bank (I)

I O B

Central Bank

UCO Bank

Pun. & Sind Bank

Why is Bank of Maharashtra ?

Strong lending practices with low Gross NPA ratio of 1.72%

Strong Long Term Fundamental Strength with a 70.60% CAGR growth in Net Profits

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 21.64% and Net profit at 70.60%

With a growth in Interest of 1.06%, the company declared Very Positive results in Sep 25

The company has declared positive results for the last 20 consecutive quarters
INTEREST EARNED(Q) Highest at Rs 7,128.38 cr
PBT LESS OI(Q) At Rs 973.15 cr has Grown at 44.4% (vs previous 4Q average)
PAT(Q) Highest at Rs 1,633.14 cr.

With ROA of 1.6, it has a Attractive valuation with a 1.4 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -2.33%, its profits have risen by 25.7% ; the PEG ratio of the company is 0.5

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Bank of Maha should be less than 10%
Overall Portfolio exposure to Public Sector Bank should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Bank of Maha for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

Bank of Maha

-2.33%

-0.07

34.50%

Sensex

4.83%

0.41

11.83%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Net Interest Income Growth (5y)

21.64%

Net Profit Growth (5y)

70.60%

Advance to Deposit

73.56%

Capital Adequacy Ratio (Tier 1)

13.22%

Gross NPA (latest)

1.72%

Gross NPA (avg)

2.94%

Coverage Ratio (avg)

83.89%

Cost to Income (avg)

40.16%

Net Interest Margin (avg)

3.61%

Operating Profit to Assets (avg)

4.67%

ROA (avg)

1.10%

Net Debt to Equity (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Price to Book Value

1.39

PEG Ratio

0.46

Dividend Yield

2.63%

ROE (Latest)

19.38%

ROA (Latest)

1.64%

Net NPA to Book Value

1.40

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

24What is working for the Company

INTEREST EARNED(Q)

Highest at Rs 7,128.38 cr

PBT LESS OI(Q)

At Rs 973.15 cr has Grown at 44.4% (vs previous 4Q average

PAT(Q)

Highest at Rs 1,633.14 cr.

GROSS NPA(Q)

Lowest at 1.72%

CREDIT DEPOSIT RATIO(HY)

Highest at 80.76%

EPS(Q)

Highest at Rs 2.12

NET NPA(Q)

Lowest at 0.18%

-1What is not working for the Company

NON-OPERATING INCOME(Q)

is 46.48 % of Profit Before Tax (PBT

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Here's what is working for Bank of Maha

Interest Earned - Quarterly

Highest at Rs 7,128.38 cr and Grown

each quarter in the last five quarters

MOJO Watch

Near term sales trend is very positive

Interest Earned (Rs Cr)

Profit Before Tax less Other Income (PBT) - Quarterly

At Rs 973.15 cr has Grown at 44.4% (vs previous 4Q average)

over average PBT of the previous four quarters of Rs 674.01 Cr

MOJO Watch

Near term PBT trend is very positive

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

Highest at Rs 1,633.14 cr. and Grown

each quarter in the last five quarters

MOJO Watch

Near term PAT trend is very positive

PAT (Rs Cr)

Gross NPA - Quarterly

Lowest at 1.72%

in the last five quarters

MOJO Watch

Proportion of stressed loans given by the bank are falling

Gross NPA (%)

Profit Before Tax less Other Income (PBT) - Quarterly

Highest at Rs 973.15 cr.

in the last five quarters

MOJO Watch

Near term PBT trend is positive

PBT less Other Income (Rs Cr)

Earnings per Share (EPS) - Quarterly

Highest at Rs 2.12

in the last five quarters

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (Rs)

Net NPA - Quarterly

Lowest at 0.18%

in the last five quarters

MOJO Watch

Proportion of stressed loans given by the bank are falling

Net NPA (%)

Credit Deposit Ratio - Half Yearly

Highest at 80.76%

in the last four periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Bank of Maha

Non Operating Income - Quarterly

is 46.48 % of Profit Before Tax (PBT)

MOJO Watch

The company's income from non business activities is high; which is not a sustainable business model

Non Operating Income to PBT