Bank of Maharashtra

Bank of Maha Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Bank of Maharashtra

₹ 50.4 -1.54%
22 May - close price
bankofmaharashtra.in BSE: 532525 NSE: MAHABANK
About

Bank of Maharashtra is engaged in providing banking services. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other banking operations.[1]

Key Points

Revenue Breakup
Retail Banking: ~39% in FY24 vs ~35% in FY22
Corporate/ Wholesale Banking: ~36% in FY24 vs ~30% in FY22
Treasury: 21% in FY24 vs 32% in FY22
Other Operations: 4% in FY24 vs 3% in FY22 [1] [2]

Website BSE NSE
  • Market Cap ₹ 38,804 Cr.
  • Current Price ₹ 50.4
  • High / Low ₹ 73.5 / 38.1
  • Stock P/E 7.00
  • Book Value ₹ 37.3
  • Dividend Yield 2.97 %
  • ROCE 5.78 %
  • ROE 22.8 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company has delivered good profit growth of 69.7% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 26.2%

Cons

  • Company has low interest coverage ratio.
  • Tax rate seems low
  • Contingent liabilities of Rs.45,131 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

Part of BSE 500 BSE PSU Nifty 500 BSE MidCap Nifty Midcap 100

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
3,426 3,457 3,815 4,131 4,495 4,789 5,068 5,172 5,467 5,875 6,017 6,325 6,731
Interest 1,814 1,772 1,928 2,149 2,308 2,449 2,636 2,705 2,882 3,075 3,210 3,381 3,614
1,321 1,349 1,507 1,622 2,098 1,882 2,164 2,076 2,339 2,349 2,219 2,269 2,561
Financing Profit 291 337 380 359 89 458 268 390 246 450 588 675 556
Financing Margin % 8% 10% 10% 9% 2% 10% 5% 8% 4% 8% 10% 11% 8%
522 317 503 640 822 629 668 680 1,022 894 792 788 981
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 813 654 883 999 911 1,088 936 1,070 1,268 1,344 1,380 1,463 1,537
Tax % 56% 31% 39% 22% 8% 19% 2% 3% 4% 4% 4% 4% 3%
356 453 535 777 841 884 920 1,038 1,230 1,295 1,333 1,412 1,502
EPS in Rs 0.53 0.67 0.79 1.15 1.25 1.25 1.30 1.47 1.74 1.83 1.88 1.84 1.95
Gross NPA % 3.94% 3.74% 3.40% 2.94% 2.47% 2.28% 2.19% 2.04% 1.88% 1.85% 1.84% 1.80% 1.74%
Net NPA % 0.97% 0.88% 0.68% 0.47% 0.25% 0.24% 0.23% 0.22% 0.20% 0.20% 0.20% 0.20% 0.18%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
11,957 12,665 13,053 12,062 11,096 10,850 11,496 11,869 13,019 15,899 20,495 24,948
Interest 8,447 8,790 9,174 8,886 7,706 7,115 7,216 6,970 6,974 8,157 10,672 13,281
3,918 3,953 4,332 6,709 8,034 9,825 5,330 6,788 7,278 6,314 8,238 9,398
Financing Profit -409 -78 -453 -3,533 -4,643 -6,090 -1,050 -1,889 -1,233 1,428 1,585 2,269
Financing Margin % -3% -1% -3% -29% -42% -56% -9% -16% -9% 9% 8% 9%
907 1,020 1,037 1,525 1,540 1,568 1,660 2,649 2,655 2,283 3,015 3,455
Depreciation 100 115 149 118 129 241 211 188 268 262 223 0
Profit before tax 399 827 435 -2,126 -3,232 -4,763 399 571 1,153 3,448 4,377 5,724
Tax % 0% 44% 73% -36% -66% 0% 0% 0% 0% 24% 7% 4%
399 465 118 -1,356 -1,112 -4,763 399 571 1,153 2,605 4,072 5,542
EPS in Rs 4.75 4.37 1.01 -11.61 -4.28 -17.30 0.68 0.87 1.71 3.87 5.75 7.21
Dividend Payout % 21% 18% 0% 0% 0% 0% 0% 0% 29% 34% 24% 21%
Compounded Sales Growth
10 Years: 7%
5 Years: 17%
3 Years: 24%
TTM: 22%
Compounded Profit Growth
10 Years: 28%
5 Years: 70%
3 Years: 69%
TTM: 36%
Stock Price CAGR
10 Years: 3%
5 Years: 43%
3 Years: 46%
1 Year: -25%
Return on Equity
10 Years: 6%
5 Years: 17%
3 Years: 21%
Last Year: 23%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 839 1,063 1,168 1,168 2,598 2,753 5,824 6,560 6,730 6,730 7,081 7,692
Reserves 5,983 7,060 7,692 6,301 7,469 3,130 5,085 5,748 7,331 9,060 12,789 21,016
Deposits 119,599 125,915 142,785 139,040 138,967 140,636 150,050 173,989 202,275 234,064 270,726 307,120
Borrowing 6,109 7,322 5,423 8,137 4,064 10,149 3,670 4,239 7,747 10,766 7,719 23,853
3,831 4,713 3,961 4,765 3,351 8,008 4,388 6,299 6,700 7,207 9,013 9,673
Total Liabilities 136,360 146,073 161,029 159,411 156,449 164,676 169,018 196,835 230,783 267,827 307,329 369,354
1,446 1,432 1,695 1,564 1,487 1,741 1,604 1,622 2,036 2,149 2,200 2,916
CWIP 0 0 0 22 30 34 72 52 205 8 10 0
Investments 37,290 32,819 36,302 38,677 43,742 59,837 57,891 68,281 68,762 69,042 68,465 82,216
97,625 111,822 123,033 119,148 111,189 103,064 109,451 126,880 159,780 196,628 236,655 284,222
Total Assets 136,360 146,073 161,029 159,411 156,449 164,676 169,018 196,835 230,783 267,827 307,329 369,354

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-173 -1,083 2,904 7,498 -1,723 -10,842 693 2,447 6,896 -1,440 11,581 7,628
-171 -151 -151 -99 -134 -106 -100 -169 -300 -175 -260 -495
274 1,885 -186 -77 1,100 4,220 698 217 378 228 461 4,750
Net Cash Flow -70 651 2,567 7,322 -758 -6,729 1,292 2,495 6,974 -1,387 11,783 11,883

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 6% 6% 1% -17% -13% -60% 5% 5% 9% 17% 23% 23%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
90.97% 90.97% 90.97% 90.97% 86.46% 86.46% 86.46% 86.46% 86.46% 86.46% 79.60% 79.60%
0.16% 0.20% 0.16% 0.26% 0.68% 0.59% 0.45% 1.04% 1.20% 1.26% 1.54% 1.72%
3.74% 3.78% 3.39% 3.33% 6.43% 5.17% 4.71% 4.68% 4.58% 4.46% 10.88% 10.67%
5.13% 5.05% 5.49% 5.44% 6.42% 7.76% 8.37% 7.80% 7.75% 7.81% 7.99% 8.00%
No. of Shareholders 3,79,3993,71,5924,33,5064,41,5174,53,5246,06,0466,77,0878,46,7469,19,6639,48,4329,95,54310,06,265

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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