Bank of Maharashtra Logo

Bank of Maharashtra

MAHABANK.NS

(3.8)
Stock Price

58,42 INR

1.25% ROA

20.55% ROE

9.99x PER

Market Cap.

342.030.171.000,00 INR

46.54% DER

5.38% Yield

30.12% NPM

Bank of Maharashtra Stock Analysis

Bank of Maharashtra Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of Maharashtra Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (18.48%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 DER

The stock has a low debt to equity ratio (47%), which means it has a small amount of debt compared to the ownership it holds

3 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Net Profit Growth

The net profit of this company has steadily increased over the last five years, showcasing a favorable financial performance and making it an enticing option for investors seeking growth potential.

5 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

6 ROA

The stock's ROA (1.09%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 PBV

The stock's PBV ratio (1.7x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

8 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

9 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

10 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (297) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

Bank of Maharashtra Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of Maharashtra Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

Bank of Maharashtra Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of Maharashtra Revenue
Year Revenue Growth
2004 12.264.678.000
2005 9.708.181.000 -26.33%
2006 12.366.926.000 21.5%
2007 14.378.950.000 13.99%
2008 16.977.940.000 15.31%
2009 18.004.032.000 5.7%
2010 24.379.967.000 26.15%
2011 31.590.773.000 22.83%
2012 39.788.773.000 20.6%
2013 43.616.501.000 8.78%
2014 49.383.964.000 11.68%
2015 49.257.313.000 -0.26%
2016 47.471.939.000 -3.76%
2017 49.491.463.000 4.08%
2018 53.051.477.000 6.71%
2019 60.437.767.000 12.22%
2020 76.677.648.000 21.18%
2021 88.325.608.000 13.19%
2022 100.227.400.000 11.87%
2023 123.994.800.000 19.17%
2023 234.934.400.000 47.22%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of Maharashtra Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of Maharashtra General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 87.436.000
2005 123.882.000 29.42%
2006 146.559.000 15.47%
2007 154.802.000 5.32%
2008 147.845.000 -4.71%
2009 169.220.000 12.63%
2010 195.308.000 13.36%
2011 206.316.000 5.34%
2012 230.997.000 10.68%
2013 276.471.000 16.45%
2014 302.848.000 8.71%
2015 321.938.000 5.93%
2016 334.876.000 3.86%
2017 335.791.000 0.27%
2018 418.864.000 19.83%
2019 372.432.000 -12.47%
2020 379.575.000 1.88%
2021 565.987.000 32.94%
2022 748.915.000 24.43%
2023 0 0%
2023 841.821.000 100%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of Maharashtra EBITDA
Year EBITDA Growth
2004 16.999.374.000
2005 15.929.115.000 -6.72%
2006 19.543.846.000 18.5%
2007 27.102.479.000 27.89%
2008 34.871.381.000 22.28%
2009 39.537.220.000 11.8%
2010 39.969.555.000 1.08%
2011 51.989.364.000 23.12%
2012 80.062.147.000 35.06%
2013 93.079.926.000 13.99%
2014 97.321.855.000 4.36%
2015 97.580.219.000 0.26%
2016 68.775.688.000 -41.88%
2017 46.022.030.000 -49.44%
2018 22.478.381.000 -104.74%
2019 78.255.182.000 71.28%
2020 84.108.476.000 6.96%
2021 92.000.000.000 8.58%
2022 37.106.500.000 -147.93%
2023 37.432.400.000 0.87%
2023 2.394.300.000 -1463.4%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of Maharashtra Gross Profit
Year Gross Profit Growth
2004 12.264.678.000
2005 9.708.181.000 -26.33%
2006 12.366.926.000 21.5%
2007 14.378.950.000 13.99%
2008 16.977.940.000 15.31%
2009 18.004.032.000 5.7%
2010 24.379.967.000 26.15%
2011 31.590.773.000 22.83%
2012 39.788.773.000 20.6%
2013 43.616.501.000 8.78%
2014 49.383.964.000 11.68%
2015 49.257.313.000 -0.26%
2016 47.471.939.000 -3.76%
2017 49.491.463.000 4.08%
2018 53.051.477.000 6.71%
2019 60.437.767.000 12.22%
2020 76.677.648.000 21.18%
2021 88.325.608.000 13.19%
2022 100.227.400.000 11.87%
2023 123.994.800.000 19.17%
2023 234.934.400.000 47.22%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of Maharashtra Net Profit
Year Net Profit Growth
2004 1.784.629.000
2005 523.279.000 -241.05%
2006 2.728.926.000 80.82%
2007 3.298.546.000 17.27%
2008 3.767.116.000 12.44%
2009 4.396.678.000 14.32%
2010 3.347.993.000 -31.32%
2011 4.368.109.000 23.35%
2012 7.690.853.000 43.2%
2013 3.986.074.000 -92.94%
2014 4.646.262.000 14.21%
2015 1.181.849.000 -293.13%
2016 -13.560.912.000 108.72%
2017 -11.120.280.000 -21.95%
2018 -47.632.474.000 76.65%
2019 3.988.390.000 1294.28%
2020 5.714.640.000 30.21%
2021 11.534.293.000 50.46%
2022 26.050.025.000 55.72%
2023 36.793.600.000 29.2%
2023 40.717.799.000 9.64%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of Maharashtra Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 4
2005 1 -300%
2006 6 83.33%
2007 8 14.29%
2008 9 12.5%
2009 10 20%
2010 7 -66.67%
2011 8 14.29%
2012 12 41.67%
2013 5 -200%
2014 5 0%
2015 1 -300%
2016 -2 150%
2017 -2 -100%
2018 -8 87.5%
2019 1 0%
2020 1 0%
2021 2 100%
2022 4 66.67%
2023 5 40%
2023 6 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of Maharashtra Free Cashflow
Year Free Cashflow Growth
2004 5.139.174.000
2005 -17.562.315.000 129.26%
2006 4.077.286.000 530.74%
2007 6.274.514.000 35.02%
2008 2.705.887.000 -131.88%
2009 22.718.588.000 88.09%
2010 -30.840.982.000 173.66%
2011 14.129.217.000 318.28%
2012 -1.147.047.000 1331.79%
2013 -3.516.288.000 67.38%
2014 -12.382.568.000 71.6%
2015 27.496.347.000 145.03%
2016 73.953.553.000 62.82%
2017 -18.631.364.000 496.93%
2018 -109.554.216.000 82.99%
2019 5.697.835.000 2022.73%
2020 1.424.458.750 -300%
2021 69.238.114.000 97.94%
2022 -17.643.600.000 492.43%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of Maharashtra Operating Cashflow
Year Operating Cashflow Growth
2004 5.594.292.000
2005 -17.222.114.000 132.48%
2006 4.861.506.000 454.25%
2007 7.252.135.000 32.96%
2008 3.460.773.000 -109.55%
2009 23.366.304.000 85.19%
2010 -29.979.906.000 177.94%
2011 14.818.160.000 302.32%
2012 121.630.000 -12082.98%
2013 -1.730.630.000 107.03%
2014 -10.834.622.000 84.03%
2015 29.044.293.000 137.3%
2016 74.983.007.000 61.27%
2017 -17.234.268.000 535.08%
2018 -108.226.826.000 84.08%
2019 6.933.630.000 1660.9%
2020 1.733.407.500 -300%
2021 72.328.631.000 97.6%
2022 -14.399.100.000 602.31%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of Maharashtra Capital Expenditure
Year Capital Expenditure Growth
2004 455.118.000
2005 340.201.000 -33.78%
2006 784.220.000 56.62%
2007 977.621.000 19.78%
2008 754.886.000 -29.51%
2009 647.716.000 -16.55%
2010 861.076.000 24.78%
2011 688.943.000 -24.99%
2012 1.268.677.000 45.7%
2013 1.785.658.000 28.95%
2014 1.547.946.000 -15.36%
2015 1.547.946.000 0%
2016 1.029.454.000 -50.37%
2017 1.397.096.000 26.31%
2018 1.327.390.000 -5.25%
2019 1.235.795.000 -7.41%
2020 308.948.750 -300%
2021 3.090.517.000 90%
2022 3.244.500.000 4.75%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of Maharashtra Equity
Year Equity Growth
2004 11.929.702.000
2005 15.769.852.000 24.35%
2006 17.477.312.000 9.77%
2007 17.888.152.000 2.3%
2008 25.260.436.000 29.19%
2009 28.673.580.000 11.9%
2010 39.842.839.000 28.03%
2011 47.419.985.000 15.98%
2012 64.258.437.000 26.2%
2013 74.096.865.000 13.28%
2014 81.228.136.000 8.78%
2015 88.601.223.000 8.32%
2016 74.689.156.000 -18.63%
2017 100.669.740.000 25.81%
2018 58.830.814.000 -71.12%
2019 109.091.779.000 46.07%
2020 123.082.900.000 11.37%
2021 140.618.726.000 12.47%
2022 157.902.400.000 10.95%
2023 185.937.300.000 15.08%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of Maharashtra Assets
Year Assets Growth
2004 329.008.864.000
2005 312.319.953.000 -5.34%
2006 390.163.854.000 19.95%
2007 481.578.305.000 18.98%
2008 590.385.461.000 18.43%
2009 710.639.661.000 16.92%
2010 764.548.314.000 7.05%
2011 880.358.204.000 13.15%
2012 1.169.807.104.000 24.74%
2013 1.363.604.127.000 14.21%
2014 1.460.729.397.000 6.65%
2015 1.610.288.094.000 9.29%
2016 1.594.110.645.000 -1.01%
2017 1.564.485.650.000 -1.89%
2018 1.646.764.707.000 5%
2019 1.690.175.318.000 2.57%
2020 1.968.351.113.000 14.13%
2021 2.307.834.634.000 14.71%
2022 2.678.271.700.000 13.83%
2023 2.733.609.100.000 2.02%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of Maharashtra Liabilities
Year Liabilities Growth
2004 317.079.162.000
2005 296.550.101.000 -6.92%
2006 372.686.542.000 20.43%
2007 463.690.153.000 19.63%
2008 565.125.025.000 17.95%
2009 681.966.081.000 17.13%
2010 724.705.475.000 5.9%
2011 832.938.219.000 12.99%
2012 1.105.548.667.000 24.66%
2013 1.289.507.262.000 14.27%
2014 1.379.501.261.000 6.52%
2015 1.521.686.871.000 9.34%
2016 1.519.421.489.000 -0.15%
2017 1.463.815.910.000 -3.8%
2018 1.587.933.893.000 7.82%
2019 1.581.083.539.000 -0.43%
2020 1.845.268.213.000 14.32%
2021 2.167.215.908.000 14.86%
2022 2.520.369.300.000 14.01%
2023 86.537.400.000 -2812.46%

Bank of Maharashtra Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
16.53
Net Income per Share
4.83
Price to Earning Ratio
9.99x
Price To Sales Ratio
2.92x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.84
EV to Sales
2.4
EV Over EBITDA
7.14
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.1
FreeCashFlow Yield
0
Market Cap
342,03 Bil.
Enterprise Value
280,93 Bil.
Graham Number
53.47
Graham NetNet
8.64

Income Statement Metrics

Net Income per Share
4.83
Income Quality
0
ROE
0.2
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.92
EBT Per Ebit
1
Ebit per Revenue
0.33
Effective Tax Rate
0.08

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.33
Pretax Profit Margin
0.33
Net Profit Margin
0.3

Dividends

Dividend Yield
0.05
Dividend Yield %
5.38
Payout Ratio
0
Dividend Per Share
2.6

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.13
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
20,87
Book Value per Share
26,28
Tangible Book Value per Share
374.11
Shareholders Equity per Share
26.28
Interest Debt per Share
25.72
Debt to Equity
0.47
Debt to Assets
0.03
Net Debt to EBITDA
-1.55
Current Ratio
0
Tangible Asset Value
2.647,07 Bil.
Net Current Asset Value
61,10 Bil.
Invested Capital
0.47
Working Capital
147,64 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.25

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of Maharashtra Dividends
Year Dividends Growth
2004 2
2005 1 0%
2006 0 0%
2007 2 100%
2008 2 0%
2009 2 -100%
2010 2 50%
2011 2 0%
2012 2 0%
2013 2 0%
2014 1 -100%
2015 1 0%
2022 1 0%
2023 3 100%

Bank of Maharashtra Profile

About Bank of Maharashtra

Bank of Maharashtra provides various banking products and services in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking segments. It accepts savings, current, and term deposits, as well as provides capital gain account schemes. The company also offers housing loans, vehicle loans, topup loans, education loans, gold loans, consumer and personal loans, salary again schemes, and adhaar loans, as well as loans against properties; working capital, term, project, infrastructure, export, and bill financing services; lines of credit; commercial lease rental services; accounts takeover services; non-fund based services; micro, small, and medium enterprise loans; and agriculture loans. In addition, it provides digital banking and lending services, and government schemes; documentary credits and collections, import and export financing, guarantees, travel related forex, non-resident Indian services, remittance schemes, and risk management services; and remittance facilities, as well as hedges exchange risk. As of March 31, 2022, it operated 2,072 banking outlets, and 2,128 automated teller machines and cash recycler machines. Bank of Maharashtra was incorporated in 1935 and is headquartered in Pune, India.

CEO
Mr. Vijay Prakash Srivastava
Employee
12.977
Address
Lokmangal
Pune, 411005

Bank of Maharashtra Executives & BODs

Bank of Maharashtra Executives & BODs
# Name Age
1 Mr. Arun Fanidhar Kabade
GM & Chief Risk Officer
70
2 Mr. Tafraiz Hussain
Chief Manager of Investor Services Department
70
3 Ms. Aparna Joglekar
GM & Zonal Head of Pune City Zone
70
4 Mr. Pradeep Kumar Srivastava
Chief Technology Officer
70
5 Ms. Nehal Rawat
Company Secretary & Compliance Officer
70
6 Mr. Amit Srivastava
Chief Vigilance Officer
70
7 Mr. Devdatta Vitthal Rokade
GM & Chief Digital Officer
70
8 Mr. Vijay Prakash Srivastava
Chief Financial Officer
70
9 Mr. Asheesh Pandey
Executive Director
70
10 Mr. Kare Manoj Dharmaraj
GM & Zonal Head of Mumbai South Zone
70

Bank of Maharashtra Competitors

Indian Overseas Bank Logo
Indian Overseas Bank

IOB.NS

(2.2)
UCO Bank Logo
UCO Bank

UCOBANK.NS

(2.0)
Central Bank of India Logo
Central Bank of India

CENTRALBK.NS

(2.5)
Union Bank of India Logo
Union Bank of India

UNIONBANK.NS

(3.5)
Bank of India Limited Logo
Bank of India Limited

BANKINDIA.NS

(3.2)