In ₹ Crore except Per Share Latest Annual	PSB FY26	UCOBANK FY26	CENTRALBK FY26	IOB FY26	Peer Average
Valuation — at last close
P/E	10.20×	10.03×	◆ 5.84×	10.41×	8.76× +16%
P/B	0.95×	0.84×	◆ 0.68×	1.52×	1.01× -6%
Market Cap	₹13,467 Cr	₹27,800 Cr	₹26,448 Cr	₹56,326 Cr	₹36,858 Cr -63%
Growth
Revenue CAGR 3Y	15.49%	13.84%	12.63%	◆ 16.85%	14.44% +7%
Revenue CAGR 5Y	9.28%	◆ 15.54%	10.33%	—	12.93% -28%
Net Income CAGR 3Y	0.23%	14.12%	◆ 40.71%	35.27%	30.03% -99%
Revenue YoY (latest Q)	11.06%	10.14%	◆ 14.50%	13.15%	12.60% -12%
Net Income YoY (latest Q)	39.88%	26.77%	20.96%	◆ 55.75%	34.49% +16%
Profitability
NIM (banks)	2.23%	2.69%	2.76%	◆ 2.90%	2.78% -20%
Net Income Margin	9.61%	9.31%	10.55%	◆ 13.88%	11.25% -15%
Return on Common Equity	9.62%	8.62%	11.92%	◆ 15.65%	12.06% -20%
Return on Assets	0.78%	0.73%	0.87%	◆ 1.20%	0.93% -16%
Credit & Quality
Gross NPA (banks)	2.40%	2.17%	◆ 0.03%	1.42%	1.21% +99%
Cost/Income (banks)	60.97%	52.92%	58.57%	◆ 44.94%	52.14% +17%
Scale — latest FY
Revenue / Total Income	₹13,759 Cr	₹29,741 Cr	₹42,498 Cr	₹37,532 Cr	₹36,590 Cr -62%
Net Income	₹1,322 Cr	₹2,768 Cr	₹4,484 Cr	₹5,208 Cr	₹4,153 Cr -68%
Total Assets	₹1.79L Cr	₹3.96L Cr	₹5.51L Cr	₹4.73L Cr	₹4.73L Cr -62%
EPS	₹1.86	₹2.21	₹5	₹2.81	₹3.34 -44%
Book Value per Share	₹19.92	₹26.52	₹43.09	₹19.21	₹29.61 -33%

◆ best value in the comp set per metric · Δ = subject vs average of the other companies.

« ‹ › »Latest: FY26 · StandaloneFA Financial Analysis · alphave

Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.