Bank of Maharashtra

₹63.9 0.4 | 0.6%

WEBSITE BSE:532525 NSE : BANK MAHA 10 May, 16:01

Market Cap ₹45264 Cr.

Stock P/E 11.1

P/B 2.5

Current Price ₹63.9

Book Value ₹ 26

Face Value 10

52W High ₹72.6

Dividend Yield 2.19%

52W Low ₹ 26.8

Edit Ratio

Bank of Maharashtra Research see more...

Overview Inc. Year: 1935Industry: Bank - Public

Bank of Maharashtra is engaged in offering banking services. The Bank's segments are Retail Banking, Treasury, Corporate/Wholesale Banking, and Other banking operations. The Treasury segment consists of investment, balances with banks out of India, interest accrued on investments and associated income. The Corporate/Wholesale Banking Segment consists of all advances to trusts, partnership corporations, businesses and statutory bodies. The Retail Banking Segment consists of exposure to the individual or to a small commercial enterprise wherein total average annual turnover less than Indian Rupee 50 crores; no combination exposure to one counter party exceeds 0.2% of the overall retail portfolio of the Bank, and the most aggregated retail exposure to 1 counterpart is up to Indian Rupee five crores. Other Banking Operations segment consists of all different banking transactions. Its products and services include e-fee taxes, credit card, door step banking and new pension scheme, among others.

Bank of Maharashtra Share Price

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Peer Comparison

Bank of Maharashtra Quarterly Results

#(Fig in Cr.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Interest Earned	3282	3426	3457	3815	4131	4495	4789	5068	5172	5467
Other Income	611	522	317	503	640	822	629	668	680	1022
Total Income	3894	3948	3775	4318	4770	5317	5418	5736	5852	6488
Interest Expense	1755	1814	1772	1928	2149	2308	2449	2636	2705	2882
Operating Expenditure	976	956	801	928	1040	1154	1106	1179	1134	1396
Provisions and contingencies	836	365	548	579	582	945	776	985	943	942
Operating Profit	327	813	654	883	999	911	1088	936	1070	1268
Profit Before Tax	327	813	654	883	999	911	1088	936	1070	1268
Provision for Tax	2	458	202	348	223	71	205	16	34	50
Profit After Tax	325	355	452	535	775	840	882	920	1036	1218
Adjustments	-15	1	1	-1	2	1	1	0	3	12
Profit After Adjustments	310	356	453	535	777	841	884	920	1038	1230
Adjusted Earnings Per Share	0.5	0.5	0.7	0.8	1.2	1.2	1.2	1.3	1.5	1.7

Bank of Maharashtra Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Interest Earned	9613	11957	12665	13053	12062	11096	10850	11496	11869	13019	15899	20496
Other Income	913	895	1007	1020	1509	1507	1548	1660	2629	2653	2281	2999
Total Income	10526	12852	13672	14073	13571	12603	12398	13155	14498	15672	18180	23494
Interest Expense	6580	8447	8790	9174	8886	7706	7115	7216	6970	6974	8157	10672
Operating Expenditure	1798	2398	2527	2554	2857	2705	3084	3082	3566	3850	3922	4815
Provisions and contingencies	806	1258	1542	1928	3970	5457	7327	3108	3006	2892	2655	3646
Operating Profit	1343	748	814	418	-2143	-3265	-5128	-250	955	1956	3446	4362
Profit Before Tax	1343	748	814	418	-2143	-3265	-5128	-250	955	1956	3446	4362
Provision for Tax	584	362	363	317	-771	-2120	-345	-649	404	804	843	305
Profit After Tax	760	386	451	101	-1372	-1145	-4783	399	551	1152	2603	4056
Adjustments	9	12	14	17	16	33	20	0	20	2	2	16
Profit After Adjustments	769	399	465	118	-1356	-1112	-4763	399	571	1153	2605	4072
Adjusted Earnings Per Share	10.9	4.1	4.4	1	-11.6	-4.3	-17.3	0.7	0.9	1.7	3.9	5.7

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	22%	11%	7%	5%
Operating Profit CAGR	76%	0%	0%	10%
PAT CAGR	126%	87%	0%	13%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	113%	38%	32%	5%
ROE Average	19%	11%	-6%	-3%
ROCE Average	18%	13%	2%	2%

Bank of Maharashtra Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	6426	7410	8123	8860	7469	10067	5883	10909	12308	14062	15790
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	94330	116794	122110	138980	139040	138967	140636	150050	173989	202275	234064
Borrowings	12877	8326	11127	9228	8137	4064	10149	3670	4239	7747	10766
Other Liabilities & Provisions	3347	3831	4713	3961	4765	3351	8008	4388	6299	6700	7207
Total Liabilities	116981	136360	146073	161029	159411	156449	164676	169018	196835	230783	267827
Cash and balance with RBI	5265	5991	6653	8382	15275	15809	7920	10354	12882	19722	18508
Bank Balance	908	111	100	938	1367	75	1235	93	59	194	21
Investments	31458	37290	32819	36302	38677	43742	59837	57891	68281	68762	69042
Advances	75471	88920	98599	107563	95515	85797	82666	86872	102405	131170	171221
Fixed Assets	1429	1446	1432	1695	1564	1487	1741	1604	1622	2036	2149
Other Assets	2450	2602	6470	6150	6991	9508	11243	12132	11533	8694	6879
Total Assets	116981	136360	146073	161029	159411	156449	164676	169018	196835	230783	267827

Bank of Maharashtra Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	5744	6173	6102	6753	9320	16642	15884	9155	10447	12942	19916
Cash Flow from Operating Activities	12	-173	-1083	2904	7498	-1723	-10842	693	2447	6896	-1440
Cash Flow from Investing Activities	-126	-171	-151	-151	-99	-134	-106	-100	-169	-300	-175
Cash Flow from Financing Activities	542	274	1885	-186	-77	1100	4220	698	217	378	228
Net Cash Inflow / Outflow	429	-70	651	2567	7322	-758	-6729	1292	2495	6974	-1387
Closing Cash & Cash Equivalent	6173	6102	6753	9320	16642	15884	9155	10447	12942	19916	18529

Bank of Maharashtra Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	10.87	4.12	4.37	1.01	-11.61	-4.28	-17.3	0.68	0.87	1.71	3.87
CEPS(Rs)	12.6	5.79	5.33	2.14	-10.73	-3.91	-16.5	1.05	1.13	2.11	4.26
DPS(Rs)	2.3	1	0.8	0	0	0	0	0	0	0.5	1.3
Book NAV/Share(Rs)	71.32	68.6	66.84	64.74	53.6	34.39	16.38	16.56	16.97	18.55	21.27
Yield on Advances	12.74	13.45	12.85	12.14	12.63	12.93	13.12	13.23	11.59	9.93	9.29
Yield on Investments	7.55	7.1	8.37	7.97	8.82	7.71	6.6	7.85	6.91	7.14	6.33
Cost of Liabilities	6.14	6.75	6.6	6.19	6.04	5.39	4.72	4.69	3.91	3.32	3.33
NIM (Net Interest Margin)	2.68	2.65	2.81	2.53	2.11	2.33	2.46	2.76	2.67	2.75	2.99
Interest Spread	6.6	6.7	6.25	5.95	6.59	7.55	8.41	8.54	7.68	6.6	5.95
ROA(%)	0.73	0.3	0.32	0.07	-0.86	-0.72	-2.98	0.24	0.3	0.54	1.04
ROE(%)	17.88	7.37	7.01	1.38	-19.85	-15.06	-71.14	5.64	5.31	9.75	19.42
ROCE(%)	13.19	8.56	8.68	6.27	-7.9	-18.1	-31.58	1.37	9	12.89	18.26
PER(x)	4.68	9.45	8.49	28.77	0	0	0	13.01	23.88	9.74	6.4
Price/Book(x)	0.71	0.57	0.56	0.45	0.63	0.4	0.84	0.54	1.23	0.9	1.16
Dividend Yield(%)	4.52	2.57	2.16	0	0	0	0	0	0	2.99	5.25
EV/Net Sales(x)	1.75	1.02	1.19	0.97	1	0.68	1.28	0.77	1.51	1.46	1.73
EV/Core EBITDA(x)	7.83	6.07	6.4	5.38	6.6	3.47	6.33	3.1	4.51	3.92	4.5
Interest Earned Growth(%)	33.26	24.37	5.93	3.06	-7.59	-8	-2.22	5.95	3.25	9.7	22.12
Net Profit Growth	76.3	-49.16	16.78	-77.59	-1457.31	16.56	-317.78	108.34	38.25	108.85	126.01
Advances Growth	34.63	17.82	10.88	9.09	-11.2	-10.17	-3.65	5.09	17.88	28.09	30.53
EPS Growth(%)	68.25	-62.1	6.08	-76.85	-1247.4	63.13	-304.26	103.96	27.21	96.73	125.85
Loans/Deposits(x)	13.65	7.13	9.11	6.64	5.85	2.92	7.22	2.45	2.44	3.83	4.6
Cash/Deposits(x)	0.06	0.05	0.05	0.06	0.11	0.11	0.06	0.07	0.07	0.1	0.08
Current Ratio(x)	0.33	0.32	0.27	0.26	0.28	0.31	0.43	0.39	0.39	0.34	0.29
Quick Ratio(x)	13.65	7.13	9.11	6.64	5.85	2.92	7.22	2.45	2.44	3.83	4.6
CASA %	40.79	35.89	37.09	36.67	44.89	47.74	49.65	50.3	53.99	57.86	53.39

Bank of Maharashtra Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	90.97	90.97	90.97	90.97	90.97	90.97	86.46	86.46	86.46	86.46
FII	0.12	0.13	0.16	0.2	0.16	0.26	0.68	0.59	0.45	1.04
DII	3.7	3.73	3.74	3.78	3.38	3.33	6.43	5.18	4.71	4.68
Public	5.21	5.17	5.13	5.05	5.49	5.44	6.43	7.77	8.37	7.81
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	612.26	612.26	612.26	612.26	612.26	612.26	612.26	612.26	612.26	612.26
FII	0.82	0.88	1.1	1.37	1.11	1.76	4.85	4.21	3.2	7.38
DII	24.91	25.14	25.14	25.43	22.74	22.42	45.51	36.67	33.38	33.17
Public	35.06	34.76	34.55	33.99	36.94	36.61	45.52	54.99	59.29	55.33
Others	0	0	0	0	0	0	0	0	0	0
Total	673.05	673.05	673.05	673.05	673.05	673.05	708.14	708.14	708.14	708.14

Pros

Cons

Company has a low return on equity of 11% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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Bank of Maharashtra

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Bank of Maharashtra Research see more...

Overview Inc. Year: 1935Industry: Bank - Public

Bank of Maharashtra Share Price

Alert Data

Quarterly Price

Peer Comparison

Bank of Maharashtra Quarterly Results

Bank of Maharashtra Profit & Loss

Growth Rates

Bank of Maharashtra Balance Sheet

Bank of Maharashtra Cash Flow

Bank of Maharashtra Ratios

Bank of Maharashtra Shareholding Pattern

Bank of Maharashtra News

Top Unlisted Companies & InstaBuy Companies

Fincare Small Finance Bank

IPO

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