Bank of India
Banking · NSE
52-week range
₹101 – ₹178
From 52w high
-21.6%
RSI (14)
41.1
vs SMA 50 / 200
↓ 50 · ↑ 200
Bank of India (BANKINDIA) is a public-sector bank trading at 139.77, 7.2% below its 50-DMA and just above its 200-DMA, with a trailing PE of 6.18 and forward PE of 5.61 - the lowest in its tracked peer group. FY26 net profit reached 10,527 crore with a 2.9% dividend yield declared, yet ROE at 12.05% has not exceeded 15% in any tracked year and FCF has been positive in only 1 year, reflecting the structural capital intensity of PSU banking. Over 12 months the stock gained 32.8%, but the 3-month return is -13.15% with a 21.64% drawdown from the 52-week high.
- ✓Trailing PE of 6.18 and forward PE of 5.61 are the lowest among the 6 tracked peers (peer range 15-70), indicating the stock trades at a substantial valuation discount on an earnings multiple basis.
- ✓FY26 annual profit of 10,527 crore accompanied by a 4.65 per share dividend declaration reflects positive reported earnings momentum and a dividend yield of 2.9%.
- ✓Five-year revenue CAGR of 8.9% and earnings CAGR of 6.7% indicate a growing book, with net profit margin at 31.19% consistent with banking sector norms.
- ✓Quality score of 57 ranks 1st of 6 in the peer group, above HDFC Bank (47), Axis Bank (50), and Bajaj Finance (51) on the platform scoring methodology.
- ✗ROE of 12.05% has never exceeded 15% in any tracked year and FCF was positive in only 1 of available years; a consistency score of 40 out of 100 reflects persistently weak capital efficiency.
- ✗Debt trend is rising with earnings CAGR of 6.7% over 5 years; at sub-15% ROE the incremental balance-sheet expansion appears to generate returns that compress rather than compound equity value per share.
- ✗Current price of 139.77 is 7.2% below the 50-DMA (150.61) and just 0.32% above the 200-DMA (139.33), with a 21.64% drawdown from the 52-week high and a 3-month decline of 13.15%, indicating sustained near-term price weakness.
- ✗Analyst coverage is thin (5 analysts, rating value null) and the debt-to-equity figure is unavailable, limiting the ability to assess leverage risk against peers quantitatively.
- ·Bank of India reported FY26 net profit of 10,527 crore and declared a 4.65 per share dividend (May 2026), representing the most significant company-specific news event in the tracked window.
- ·Union Bank of India, a peer PSU bank, saw its stock drop 9% after Q4 results showed rising provisions and slippages (April 2026), signalling that asset-quality concerns are active across the PSU banking segment.
- ·The RBI signed a cooperation MOU with the European Central Bank and rolled back some rupee curbs in April 2026, representing regulatory context that affects the operating environment for all Indian banks.
- ?Does the 5-year pattern of ROE below 15% and single-year FCF positivity reflect a structural limitation of the PSU banking model, or a cyclical trough that improving credit quality could reverse?
- ?How has BANKINDIA's NPA (non-performing assets) ratio trended over the past 4 quarters, and does the FY26 profit growth reflect genuine credit-quality improvement or one-time write-back gains?
- ?Given that the stock is 0.32% above its 200-DMA with nearest support at 138.11 and 134.52, what would a breach of those levels imply for the medium-term price structure?
- ?With PE at 6.18 vs private-sector peers at 15-31, does the valuation gap reflect a permanent PSU discount, cyclical underperformance, or governance and capital-allocation factors specific to Bank of India?
PE
6.2
Forward PE
5.6
ROE
+12.1%
Profit margin
+31.2%
D/E
—
Dividend yield
+2.9%
Quality score
57/100
ROE 5y above 15%
0/5 yrs
FCF 5y positive
1/5 yrs
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.Analysis generated 11 May 2026.