Compare
Pit 2–4 stocks against each other: U-Score, pillars, fundamentals, and normalized price history. Same universe, same methodology, one view.
| Metric | SURYODAY Suryoday Small Finance Bank Limited Consumer · Small | UTKARSHBNK Utkarsh Small Finance Bank Limited Consumer · Small | KTKBANK The Karnataka Bank Limited Financial Services · Micro | TMB Tamilnad Mercantile Bank Limited Financial Services · Micro |
|---|---|---|---|---|
| Final Score | 53 | 17 | 56 | 56 |
| Verdict | FAIR VALUE | OVERVALUED | FAIR VALUE | FAIR VALUE |
| Style | Deep Value | Distress Watch | Deep Value | Deep Value |
| Piotroski | 5/9 | 3/9 | 5/9 | 4/9 |
| Valuation | 25/30 | 5/30 | 28/30 | 27/30 |
| Growth | 19/25 | 4/25 | 12/25 | 14/25 |
| Quality | 0/20 | 0/20 | 0/20 | 5/20 |
| Balance Sheet | 3/15 | 3/15 | 5/15 | 8/15 |
| Cash Flow | 3/10 | 4/10 | 8/10 | 2/10 |
| Price | ₹174.97 | ₹12.9 | ₹269.3 | ₹780.55 |
| P/E | 12.00 | — | 7.41 | 8.78 |
| P/B | 0.88 | 0.82 | 0.73 | 1.16 |
| ROE | 7.59% | -40.40% | 10.40% | 14.00% |
| ROCE | 7.33% | 1.46% | 6.06% | 7.51% |
| Debt / Equity | 0.22 | 0.12 | 0.05 | 0.01 |
| FCF Yield | — | — | 10.42% | — |
| Dividend Y | — | — | 1.95% | 1.49% |
| Altman Z | 1.43 | 1.59 | 1.77 | 1.97 |
| Promoter % | 22.48% | 42.67% | — | — |
| Mkt Cap (₹Cr) | 1826.00 | 2235.00 | 9708.00 | 11749.00 |
| Graham # | ₹251.12 | — | ₹522.44 | ₹1,101.17 |
| Fair PE | 78.0 | 7.3 | 33.0 | 33.0 |
| MoS % | +84.3% | — | +76.5% | +72.0% |
Normalized price (3-year, indexed to 100)
Higher line = better relative performance from startSURYODAY110
UTKARSHBNK32
KTKBANK126
TMB177