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Pit 2–4 stocks against each other: U-Score, pillars, fundamentals, and normalized price history. Same universe, same methodology, one view.
| Metric | CSBBANK CSB Bank Limited Financial Services · Micro | JSFB Jana Small Finance Bank Limited Financial Services · Micro | ESAFSFB ESAF Small Finance Bank Limited Financial Services · Small | FINOPB Fino Payments Bank Limited Financial Services · Small |
|---|---|---|---|---|
| Final Score | 55 | 46 | 21 | 33 |
| Verdict | FAIR VALUE | FAIR VALUE | OVERVALUED | WATCHLIST |
| Style | Deep Value | Distress Watch | Distress Watch | Distress Watch |
| Piotroski | 4/9 | 5/9 | 3/9 | 4/9 |
| Valuation | 25/30 | 20/30 | 5/30 | 10/30 |
| Growth | 16/25 | 17/25 | 5/25 | 16/25 |
| Quality | 5/20 | 0/20 | 0/20 | 0/20 |
| Balance Sheet | 4/15 | 3/15 | 7/15 | 5/15 |
| Cash Flow | 3/10 | 3/10 | 3/10 | 0/10 |
| Price | ₹353 | ₹473 | ₹27.42 | ₹139.88 |
| P/E | 9.68 | 15.40 | — | 19.00 |
| P/B | 1.26 | 1.14 | 0.80 | 1.38 |
| ROE | 13.50% | 7.63% | -8.92% | 7.37% |
| ROCE | 7.05% | 7.45% | 5.64% | 4.53% |
| Debt / Equity | 0.16 | 0.15 | 0.10 | 0.62 |
| FCF Yield | — | — | — | — |
| Dividend Y | — | — | — | — |
| Altman Z | 1.63 | 1.59 | 1.67 | 1.02 |
| Promoter % | 40.00% | 21.85% | 63.28% | 75.00% |
| Mkt Cap (₹Cr) | 6130.00 | 5031.00 | 1416.00 | 1062.00 |
| Graham # | ₹481.24 | ₹541.81 | — | ₹114.57 |
| Fair PE | 33.0 | 33.0 | 8.7 | 33.0 |
| MoS % | +70.7% | +53.8% | — | +32.7% |
Normalized price (3-year, indexed to 100)
Higher line = better relative performance from startCSBBANK113
JSFB111
ESAFSFB61
FINOPB38