Compare
Pit 2–4 stocks against each other: U-Score, pillars, fundamentals, and normalized price history. Same universe, same methodology, one view.
| Metric | UTKARSHBNK Utkarsh Small Finance Bank Limited Consumer · Small | UJJIVANSFB Ujjivan Small Finance Bank Limited Consumer · Micro | DHANBANK Dhanlaxmi Bank Limited Financial Services · Small | CAPITALSFB Capital Small Finance Bank Limited Financial Services · Small |
|---|---|---|---|---|
| Final Score | 17 | 51 | 55 | 56 |
| Verdict | OVERVALUED | FAIR VALUE | FAIR VALUE | FAIR VALUE |
| Style | Distress Watch | Growth at Value | Deep Value | Deep Value |
| Piotroski | 3/9 | 5/9 | 5/9 | 4/9 |
| Valuation | 5/30 | 18/30 | 24/30 | 28/30 |
| Growth | 4/25 | 19/25 | 18/25 | 18/25 |
| Quality | 0/20 | 0/20 | 0/20 | 0/20 |
| Balance Sheet | 3/15 | 7/15 | 7/15 | 8/15 |
| Cash Flow | 4/10 | 4/10 | 3/10 | 1/10 |
| Price | ₹12.9 | ₹54 | ₹33 | ₹273 |
| P/E | — | 14.70 | 12.10 | 8.67 |
| P/B | 0.84 | 1.51 | 0.84 | 0.84 |
| ROE | -40.40% | 10.80% | 7.16% | 10.10% |
| ROCE | 1.46% | 7.74% | 5.81% | 7.07% |
| Debt / Equity | 0.12 | 0.08 | 0.04 | 0.05 |
| FCF Yield | — | 0.49% | — | — |
| Dividend Y | — | — | — | 1.86% |
| Altman Z | 1.60 | 1.94 | 1.89 | 1.81 |
| Promoter % | 42.67% | — | — | 18.01% |
| Mkt Cap (₹Cr) | 2294.00 | 10177.00 | 1241.00 | 1225.00 |
| Graham # | — | ₹52.72 | ₹46.71 | ₹474.91 |
| Fair PE | 7.3 | 78.0 | 33.0 | 33.0 |
| MoS % | — | +80.6% | +61.5% | +73.4% |
Normalized price (3-year, indexed to 100)
Higher line = better relative performance from startUTKARSHBNK32
UJJIVANSFB145
DHANBANK98
CAPITALSFB92