A small finance bank operating primarily in Punjab with growing presence in other states. It runs a deposit-led retail franchise with 36.7% CASA in Q1 FY27 and total deposits of Rs 10,596 cr, against a gross loan book of Rs 9,074 cr (Q1 FY27). Lending is concentrated in retail and MSME borrowers — business loans made up 27% of the book and grew 49% YoY, with an average ticket size of Rs 19.04 lakhs and 98% of the book secured against immovable property or FDR. Revenue is split into Retail Banking at 73.0% of period segment revenue, Treasury at 16.2%, Wholesale Banking at 7.5%, and Other Banking Operations at 3.3% (for the period ending 31 Dec 2024). Net interest margin in Q1 FY27 was 4.21%, supported by a fall in cost of deposits to 5.6% as high-priced term deposits were repriced. Asset quality strengthened, with GNPA at 2.47% and NNPA at 1.14% in Q1 FY27. The bank runs 216 branches across 5 states and 2 union territories, with 77.3% of branches in SURU (semi-urban and rural) markets. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Retail Banking (73%), Treasury (16%), Wholesale Banking (8%), Other Banking Operations (3%). Small finance bank — retail/MSME-focused, deposit-led franchise, largely secured lending
| ₹ crore · consolidated | FY24 | FY25 | FY26 |
|---|---|---|---|
| Revenue | — | — | — |
| EBITDA (ex other income) | — | — | — |
| margin % | — | — | — |
| Owners' profit | 112 | 132 | 141 |
| EPS, as reported (₹) | 30.65 | 29.18 | 31.20 |
| ROE % · ROCE % | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — |
| Cash from operations | 113 | 279 | (385) |
| Capex | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 44 | 46 | 91 | 43 | 89 | 46 | 54 | 55 |
| Net profit | 33 | 34 | 68 | 32 | 67 | 34 | 40 | 41 |
| EPS (₹) | 7.41 | 7.55 | 15.13 | 7.08 | 14.78 | 7.60 | 8.82 | 9.09 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| AU SMALL FINANCE BANK LTD | 79,309 | 27.7 | — | — | — | — | — | — |
| UJJIVAN SMALL FINANC BANK | 12,819 | 14.1 | — | — | — | — | — | — |
| EQUITAS SMALL FIN BNK LTD | 8,426 | 16.5 | — | — | — | — | — | — |
| JANA SMALL FIN BANK LTD | 5,462 | 14.4 | — | — | — | — | — | — |
| UTKARSH SMALL FIN BANK L |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 29 Aug 2026 · Analyst/Investor meetings scheduled for September 3, 2026 in Pune | board shareholder meetings | low | — | — |
| 25 Aug 2026 · Capital Small Finance Bank to attend Elara India Dialogue 2026 conference on Sep 2 | board shareholder meetings | low | — | — |
| 24 Aug 2026 · ESOP Grant of 3,561 Shares to Chief Advisor as Variable Pay | capital market events | low | — | — |
| 11 Aug 2026 · ESOPs granted to Executive Director under variable pay | capital market events | medium | — | — |
| 30 Jul 2026 · Capital SFB Q1 FY27: NIM rises to 4.21%, PAT up 29% YoY | investor communications | medium | — | — |
| 24 Jul 2026 · Q1 FY27 Earnings: Capital SFB posts 29% PAT growth with margin and asset quality improvement | investor communications | medium | — | — |
| 24 Jul 2026 · Capital Small Finance Bank publishes Q1 FY27 results in newspapers | compliance | minimal | — | — |
| 23 Jul 2026 · Capital SFB Q1 FY27: PAT up 29% YoY at Rs 41.3 Cr, advances grow 22% | compliance | low | — | — |
| 23 Jul 2026 · Capital SFB Q1 FY27 Results: PAT up 29%, NIM improves to 4.21% | investor communications | medium | — | — |
| 23 Jul 2026 · Capital SFB Q1 FY27 results: PAT rises 29 percent YoY to Rs 41 crore | results | high | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) |
| 2,584 |
| — |
| — |
| — |
| — |
| — |
| — |
| — |
| ESAF SMALL FINANCE BANK L | 2,042 | 19.7 | — | — | — | — | — | — |
| SURYODAY SMALL FIN BK LTD | 1,565 | 8.2 | — | — | — | — | — | — |
| CAPITAL SMALL FIN BANK L ◆ | 1,233 | 6.7 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 6.7 | 15.4 | 1 of 8 | 100% |
| Profit growth | 29.0 | 85.8 | 8 of 9 | 13% |
| Market cap | 1233 | 2584 | 8 of 9 | 13% |
| A state: the latest filed quarter and the measured reactions |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
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