Bank of Maharashtra
NSE: MAHABANKBank of Maharashtra: A 30-second snapshot
Bank of Maharashtra trades at Rs 79.30, up 44% over the past year but down 3.73% over the last 3 months and 16.08% below its 52-week high. Q1 FY27 (reported July 2026) profit rose 26-27% YoY to Rs 2,020 crore on 14% NII growth, alongside a 22.96% ROE and 8.25x trailing PE - the lowest PE and highest ROE among the 6-stock set used for peer comparison.
P/E
8.3
Forward P/E
—
ROE
+23.0%
Debt / Equity
—
Profit Margin
+53.4%
Div. Yield
+2.7%
5Y ROE > 15%
4/5
5Y FCF > 0
2/5
Quality
76/100
News
8 headlines · 6 positive · 2 negative
Bank of Maharashtra Q1 FY27 Results: PAT Jumps 26% YoY, NII Rises 14% - Sahi
Sahi
Bank of Maharashtra reports 27% profit increase in Q1FY27 - BusinessLine
BusinessLine
Bank of Maharashtra Q1 results: Net profit jumps 27% YoY to ₹2,020 crore - livemint.com
livemint.com
Bank of Maharashtra Q1 Results: Stock cools from the highs after slippages, provisions rise - CNBC TV18
CNBC TV18
Bank of Maharashtra Q1 Profit Urges 27% to Rs 2,020 Cr - HDFC Sky
HDFC Sky
Recent context
- ·Bank of Maharashtra's Q1 FY27 results (reported around 2026-07-10) showed PAT up 26-27% YoY to Rs 2,020 crore and NII up 14%, per multiple outlets including Sahi, BusinessLine, livemint.com and HDFC Sky.
- ·CNBC TV18 reported the stock "cools from the highs after slippages, provisions rise" in the same results window - the lone negative headline among the 8 tracked.
- ·Overall news sentiment across the 8 tracked headlines skews positive (6 positive, 2 negative), all clustered around the July 2026 results.
Strengths
- +ROE of 22.96%, with ROE above 15% in 4 of the years covered by persistence data, and a consistency score of 73.
- +Profit margin of 53.41% alongside 5-year earnings growth of 34.2% and revenue growth of 21.8%.
- +Trades at 8.25x trailing PE, the lowest multiple among the 6 peers used for sector comparison (range 13.9x-61.2x), while also ranking 1st on ROE and quality score.
- +Q1 FY27 PAT up 26-27% YoY to Rs 2,020 crore with NII up 14%; news sentiment across the tracked headlines skews positive (6 of 8).
Weaknesses
- −Free cash flow was positive in only 2 of the years covered by persistence data, and the debt trend is classified as rising, though debt-to-equity itself is not reported; for a public-sector bank this is best weighed alongside deposit and advances growth.
- −A same-day (2026-07-10) headline flagged rising slippages and provisions alongside the Q1 results, and the stock has cooled from its highs - down 3.73% over 3 months and currently below its 50-DMA (Rs 83.38 vs a Rs 79.30 close), 16.08% off its 52-week high.
- −Analyst coverage is thin: mean rating of 1.5 across just 3 analysts (1-5 scale, lower = more constructive).
- −The peer set used for sector ranking mixes private banks, NBFCs, and an insurer rather than public-sector bank peers, and 1-year price-change data is missing for all 5 peers, limiting the relative-valuation read.
Open questions
- ?Does the debt trend classified as rising reflect balance-sheet growth typical of expanding deposits and advances, or a more structural increase in borrowings, and how does that compare with capital-adequacy trends at the bank?
- ?What specifically drove the slippages and provisioning increase flagged alongside the Q1 FY27 results, and is it concentrated in one segment or broad-based?
- ?How much of the 8.25x PE and 22.96% ROE combination reflects a genuine valuation gap versus structural discounts commonly applied to public-sector banks relative to the private-bank and NBFC peer set used here?
- ?With free cash flow positive in only 2 of the tracked years, what does cash generation look like over a longer multi-year window, and how does that reconcile with the reported earnings growth?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| MAHABANK | Bank of MaharashtraYou're viewing | 8.3 | +23.0% | 72 |
| Industry avg | across 5 peers | 32.2 | +14.1% | 49 |
| AXISBANK | Axis Bank Ltd. | 13.9 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 36.8 | +17.9% | 51 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 61.2 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 32.6 | +14.6% | 23 |
Technical state
Current price
₹79.30
SMA 50
₹83.38
SMA 200
₹69.10
RSI (14)
42.0 (neutral)
From 52w high
-16.1%
1Y return
+44.0%
3M return
-3.7%
50-DMA
Below
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumQ1 FY27 results (reported around 2026-07-10) showed PAT up 26-27% YoY to Rs 2,020 crore and NII up 14%, but a same-day CNBC TV18 headline noted the stock "cools from the highs after slippages, provisions rise"; the stock is down 3.73% over the last 3 months and trades below its 50-DMA (Rs 83.38) at Rs 79.30, consistent with a post-results pullback tied to asset-quality commentary.
- mediumFree cash flow was positive in only 2 of the years covered by the persistence data and the debt trend is classified as rising; debt-to-equity itself is not reported. As a public-sector bank, leverage is structurally part of the business model, so this is best read alongside deposit and advances growth rather than as an industrial-style solvency signal, but the combination is worth noting.
- lowAnalyst coverage is sparse: mean rating of 1.5 across only 3 analysts (1-5 scale, lower = more constructive), and debt-to-equity is not reported in the fundamental data. Both are limited-sample or missing-field caveats on the fundamental read.
- lowThe peer set used for sector ranking (Axis Bank, Bajaj Finserv, Bajaj Finance, HDFC Bank, HDFC Life) mixes private-sector banks, NBFCs, and an insurer rather than public-sector bank peers, and 1-year price change is missing for all five, so that ranking dimension could not be computed. PE, ROE, and quality-score peer ranks carry the same structural-comparability limit.
Cross-section contradictions
- MAHABANK ranks 1st of 6 in the peer set on both ROE (22.96% vs peer range 10.8-17.91%) and quality score (72 vs peer range 23-70), yet carries the lowest PE (8.25x) versus peers ranging 13.9x-61.2x. Part of this gap likely reflects the heterogeneous peer set (private banks, NBFCs and an insurer vs. a public-sector bank) and typical PSU-ownership valuation differences in the Indian market, but the size of the profitability-vs-multiple gap is notable.
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.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 31 Jul 2026 · rotates through NIFTY 500 every ~5 days