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Karnataka Bank Ltd logo

Karnataka Bank Ltd

NSE: KTKBANK BSE: 532652

202.88

(-1.40%)

Sun, 01 Mar 2026, 09:20 pm

Karnataka Bank Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as Karnataka Bank has not reported any payouts.
    • Unable to evaluate Karnataka Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Karnataka Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • Karnataka Bank's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
    • Karnataka Bank's liabilities are made up of primarily low risk sources of funding.
    • Karnataka Bank has an acceptable proportion of non-loan assets held.
    • Loans at Karnataka Bank are broadly funded by customer deposits.
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    Cons

    • Karnataka Bank has a high level of bad loans (greater than 2%).

    management

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    Pros

    • The tenure for the Karnataka Bank board of directors is about average.
    • M.'s remuneration is lower than average for companies of similar size in India.
    • M.'s compensation has been consistent with company performance over the past year, both up more than 20%.
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    Cons

    • The average tenure for the Karnataka Bank management team is less than 2 years, this suggests a new team.

    misc

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    Pros

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      Cons

      • Karnataka Bank is not covered by any analysts.
      • Karnataka Bank has significant price volatility in the past 3 months.

      past

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      Pros

      • Karnataka Bank's year on year earnings growth rate has been positive over the past 5 years.
      • Karnataka Bank used its assets more efficiently than the IN Banks industry average last year based on Return on Assets.
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      Cons

      • Karnataka Bank's 1-year earnings growth is negative, it can't be compared to the 5-year average.
      • Karnataka Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
      • Karnataka Bank's 1-year earnings growth is negative, it can't be compared to the IN Banks industry average.

      value

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      Pros

      • Karnataka Bank is good value based on assets compared to the IN Banks industry average.
      • Karnataka Bank is good value based on earnings compared to the IN Banks industry average.
      • Karnataka Bank is good value based on earnings compared to the India market.
      • NSEI:KTKBANK is up 7.7% along with the Banks industry (7.6%) over the past month.
      • NSEI:KTKBANK is up 7.7% along with the India market (8%) over the past month.
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      Cons

      • Karnataka Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
      • Karnataka Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
      • KTKBANK underperformed the Banks industry which returned -37.5% over the past year.
      • KTKBANK underperformed the Market in India which returned -14.5% over the past year.

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      Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800