ScoreWhy is Bank of Maharashtra ?
1
Strong lending practices with low Gross NPA ratio of 1.72%
2
Strong Long Term Fundamental Strength with a 70.60% CAGR growth in Net Profits
3
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%
4
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.
5
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 -3.77%, its profits have risen by 25.7% ; the PEG ratio of the company is 0.5
Real-Time Research ReportHow 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
28.92%
-0.11
34.51%
Sensex
8.49%
0.43
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
21.57%
Net Profit Growth (5y)
71.13%
Advance to Deposit
75.98%
Capital Adequacy Ratio (Tier 1)
13.13%
Gross NPA (latest)
1.60%
Gross NPA (avg)
2.62%
Coverage Ratio (avg)
85.71%
Cost to Income (avg)
39.47%
Net Interest Margin (avg)
3.49%
Operating Profit to Assets (avg)
4.50%
ROA (avg)
1.17%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Price to Book Value
1.47
PEG Ratio
0.32
Dividend Yield
3.92%
ROE (Latest)
19.51%
ROA (Latest)
1.65%
Net NPA to Book Value
1.24
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 83.79%
INTEREST EARNED(Q)
Highest at Rs 7,344.20 cr
PAT(Q)
Highest at Rs 1,779.33 cr.
GROSS NPA(Q)
Lowest at 1.60%
NII(Q)
Highest at Rs 3,422.28 cr
PBDIT(Q)
Highest at Rs 1,802.71 cr.
PBT LESS OI(Q)
Highest at Rs 1,074.52 cr.
EPS(Q)
Highest at Rs 2.31
NET NPA(Q)
Lowest at 0.15%
-3What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 10,678.33 cr
NON-OPERATING INCOME(Q)
is 46.47 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Bank of Maha
Interest Earned - Quarterly
Highest at Rs 7,344.20 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,779.33 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.60%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 3,422.28 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 83.79% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 1,802.71 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 1,074.52 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,074.52 cr has Grown at 39.5% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 770.28 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 2.31
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.15%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Bank of Maha
Non Operating Income - Quarterly
is 46.47 % 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
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 10,678.33 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
CAR - Quarterly
Lowest at 17.06%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
