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SummaryLatest NewsSector ComparisonEarnings ReportRevenue & GrowthPeersIncome StatementBalance SheetCash Flow
KTKBANK logo

KTKBANK - Karnataka Bank Ltd. Share Price

Banks
Sharesguru Stock Score

KTKBANK

74/100

High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years

₹240.94-2.03(-0.84%)
Market Closed as of Apr 13, 2026, 15:30 IST
Pros

Balance Sheet: Strong Balance Sheet.

Momentum: Stock price has a strong positive momentum. Stock is up 6.2% in last 30 days.

Dividend: Dividend paying stock. Dividend yield of 2.2%.

Past Returns: Outperforming stock! In past three years, the stock has provided 23.2% return compared to 10.7% by NIFTY 50.

Profitability: Recent profitability of 11% is a good sign.

Size: Market Cap wise it is among the top 20% companies of india.

Cons

Smart Money: Smart money is losing interest in the stock.

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Sharesguru Stock Score

KTKBANK

74/100

High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years

Valuation

Market Cap9.19 kCr
Price/Earnings (Trailing)5.69
Price/Sales (Trailing)0.89
EV/EBITDA1.25
Price/Free Cashflow31.1
MarketCap/EBT6.22
Enterprise Value9.19 kCr

Fundamentals

Revenue (TTM)10.34 kCr
Rev. Growth (Yr)-0.80%
Earnings (TTM)1.16 kCr
Earnings Growth (Yr)2.5%

Profitability

Operating Margin17%
EBT Margin14%
Return on Equity0.97%
Return on Assets0.97%
Free Cashflow Yield3.22%

Growth & Returns

Price Change 1W6.8%
Price Change 1M6.2%
Price Change 6M39.1%
Price Change 1Y34.4%
3Y Cumulative Return23.2%
5Y Cumulative Return30.5%
7Y Cumulative Return10.2%
10Y Cumulative Return12.1%

Cash Flow & Liquidity

Cash Flow from Investing (TTM)-690.59 Cr
Cash Flow from Operations (TTM)209.56 Cr
Cash Flow from Financing (TTM)412.07 Cr
Free Cash Flow (TTM)209.56 Cr
Free Cash Flow/Share (TTM)5.54

Balance Sheet

Total Assets1.19 LCr
Shareholder Equity1.19 LCr

Capital Structure & Leverage

Debt Ratio0.00
Debt/Equity0.00
Interest Coverage-0.75
Interest/Cashflow Ops1.04

Dividend & Shareholder Returns

Dividend/Share (TTM)5
Dividend Yield2.2%
Shares Dilution (1Y)0.10%
Shares Dilution (3Y)21.2%
Pros

Balance Sheet: Strong Balance Sheet.

Momentum: Stock price has a strong positive momentum. Stock is up 6.2% in last 30 days.

Dividend: Dividend paying stock. Dividend yield of 2.2%.

Past Returns: Outperforming stock! In past three years, the stock has provided 23.2% return compared to 10.7% by NIFTY 50.

Profitability: Recent profitability of 11% is a good sign.

Size: Market Cap wise it is among the top 20% companies of india.

Cons

Smart Money: Smart money is losing interest in the stock.

The Good, Bad and Ugly
Growth
Measures how quickly a company is expanding through metrics like revenue growth, earnings growth, and cash flow growth over time. Strong growth can indicate future potential.
Profitability
Shows how efficiently a company turns business activities into profit, using metrics like profit margins, return on equity (ROE), and return on assets (ROA).
Size
Indicates the company's market presence through metrics like market capitalization, total assets, and revenue. Size can influence stability and market influence.
Dilution Rank
Tracks how much the company's shares have increased or decreased over time. Lower dilution means existing shareholders maintain stronger ownership stakes.
Balance Sheet
Evaluates the company's financial health by analyzing assets, debts, and equity. A strong balance sheet indicates financial stability and flexibility.
Momentum
Measures the strength and speed of price movements, showing whether the stock is gaining or losing market favor over different time periods.
Technicals
Analyzes price patterns, trading volumes, and other market indicators to identify potential trading opportunities and market trends.
Smart Money
Tracks the investment activities of institutional investors, hedge funds, and other large financial players who often have deep research capabilities.
Insider Trading
Monitors buying and selling of company shares by executives, directors, and other insiders who may have unique insights into the company's prospects.

Investor Care

Dividend Yield2.2%
Dividend/Share (TTM)5
Shares Dilution (1Y)0.10%

Financial Health

Debt/Equity0.00

Technical Indicators

RSI (14d)62.56
RSI (5d)92.03
RSI (21d)60.37
MACD SignalBuy
Stochastic Oscillator SignalSell
SharesGuru SignalBuy
RSI SignalHold
RSI5 SignalSell
RSI21 SignalHold
SMA 5 SignalBuy
SMA 10 SignalBuy
SMA 20 SignalBuy
SMA 50 SignalBuy
SMA 100 SignalBuy

Summary of Latest Earnings Report from Karnataka Bank

Summary of Karnataka Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Revenue Breakdown

Analysis of Karnataka Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

Last Updated: Dec 31, 2025

DescriptionShareValue
Retail Banking39.8%1 kCr
Corporate Banking36.6%923.6 Cr
Treasury Operations18.8%474.9 Cr
Other Banking Operations2.5%63.7 Cr
Unallocated2.3%57.1 Cr
Total2.5 kCr

Share Holdings

Understand Karnataka Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Share Holding Details

Shareholder NameHolding %
QUANT MUTUAL FUND - QUANT SMALL CAP FUND3.9%
HDFC LIFE INSURANCE COMPANY LIMITED3.59%
BANDHAN SMALL CAP FUND2.92%
B SUMANTHKUMAR REDDY .2.05%
ANIL KUMAR GOEL1.51%
BAJAJ LIFE INSURANCE LIMITED1.44%
ADITYA KUMAR HALWASIYA1.34%
SEETHA KUMARI . .1.32%
VAIPAN ADVISORS PRIVATE LIMITED1.28%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Is Karnataka Bank Better than it's peers?

Detailed comparison of Karnataka Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker
Name
Mkt Cap
Revenue
Price %, 1M
Returns, 1Y
P/E
P/S
Rev 1-Yr
Inc 1-Yr
FEDERALBNKFederal Bank71.82 kCr33.3 kCr+8.30%+53.60%12.422.16--
KARURVYSYAKarur Vysya Bank27.23 kCr12.66 kCr-7.60%+65.80%11.122.15--
RBLBANKRBL Bank19.88 kCr18.15 kCr+8.20%+91.00%22.351.1--
CUBCity Union Bank19.08 kCr7.55 kCr+4.10%+60.90%14.012.53--
SOUTHBANKSouth Indian Bank10.14 kCr11.86 kCr-1.70%+65.90%5.870.86--

Sector Comparison: KTKBANK vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

KTKBANK metrics compared to Banks

CategoryKTKBANKBanks
PE 5.6917.09
PS0.892.40
Growth1.2 %3.9 %
0% metrics above sector average
Key Insights
  • 1. KTKBANK is NOT among the Top 10 largest companies in Private Sector Bank.
  • 2. The company holds a market share of 0.7% in Private Sector Bank.
  • 3. In last one year, the company has had a below average growth that other Private Sector Bank companies.

Income Statement for Karnataka Bank

Consolidated figures (in Rs. Crores) /
Description(%) Q/QMar-2025Mar-2024Mar-2023Mar-2022Mar-2021Mar-2020
Interest or discount on advances or bills7.4%7,0096,5255,5854,7384,937-
Revenue on investments-2.3%1,4661,5001,4221,3101,142-
Interest on balances with RBI and others135.3%41181.583230-
Other interest95.3%497255211142123-
Total interest earned8.6%9,0148,2987,2206,2226,232-
Other income-3.7%1,2701,3199939541,495-
Total income6.9%10,2839,6178,2137,1767,727-
Total expenditure13.4%8,4567,4546,0055,5425,728-
Interest expended14.1%5,7035,0004,0353,7314,049-
Employees cost12.2%1,5501,3821,0731,016913-
Other operating expenses12.1%1,2021,072897795766-
Operating expenses12.1%2,7522,4541,9701,8121,679-
Operating profit-15.5%1,8282,1642,2081,6331,999-
Provisions other than tax and contingencies-69.2%1866017679391,387-
Profit before tax5%1,6411,5631,440694612-
Tax expense43.9%368256261186129-
Profit after tax-2.6%1,2731,3071,180508482-
Net profit (loss) for the period-2.6%1,2731,3071,180508482-
Reserve excluding revaluation reserves-11,208-----
CET 1 ratio4.4%0.19850.16170.17450.15660.1485-
Gross non performing assets-6.8%2,4022,5782,2932,2512,588-
Non performing assets-11%1,0051,1291,0211,3771,642-
Return on assets-0.2%0.01060.01220.0121056057-
Description(%) Q/QDec-2025Sep-2025Jun-2025Mar-2025Dec-2024Sep-2024
Interest or discount on advances or bills-1.2%1,6211,6411,7301,7651,7591,770
Revenue on investments4.2%423406389380347356
Interest on balances with RBI and others-57.1%10228.834.641913
Other interest51.4%16611013310911895
Total interest earned1.9%2,2202,1792,2612,2582,2432,234
Other income-12%302343358422299270
Total income0%2,5222,5232,6202,6802,5422,504
Total expenditure-0.5%2,0712,0822,1522,3052,1092,043
Interest expended-1.6%1,4281,4511,5061,4781,4501,401
Employees cost13.8%363319344528346353
Other operating expenses-10.6%279312303299313290
Operating expenses1.9%643631647827659643
Operating profit2.7%452440467375433461
Provisions other than tax and contingencies394.7%9520111318431
Profit before tax-15%357420357344349429
Tax expense-35%6610164926693
Profit after tax-8.8%291319292253284336
Net profit (loss) for the period-8.8%291319292253284336
Reserve excluding revaluation reserves-------
CET 1 ratio-1%0.18440.19280.1890.19850.17640.1758
Gross non performing assets4.6%2,5652,4532,5712,4022,4192,415
Non performing assets1.9%9959761,0501,0051,0641,083
Return on assets-0.1%0920.010409708100
Standalone figures (in Rs. Crores) /
Description(%) Q/QMar-2025Mar-2024Mar-2023Mar-2022Mar-2021Mar-2020
Interest or discount on advances or bills7.4%7,0096,5255,5854,7384,9375,156
Revenue on investments-2.3%1,4661,5001,4221,3101,1421,160
Interest on balances with RBI and others135.3%41181.58323045
Other interest95.3%497255211142123114
Total interest earned8.6%9,0148,2987,2206,2226,2326,475
Other income-3.7%1,2701,3199939541,4951,396
Total income6.9%10,2839,6178,2137,1767,7277,871
Total expenditure13.4%8,4567,4546,0055,5425,7286,214
Interest expended14.1%5,7035,0004,0353,7314,0494,444
Employees cost12%1,5381,3731,0691,015913897
Other operating expenses12.3%1,2141,081900796766873
Operating expenses12.2%2,7532,4541,9691,8111,6791,770
Operating profit-15.5%1,8272,1632,2081,6341,9991,657
Provisions other than tax and contingencies-69.2%1866017679391,3871,135
Profit before tax5%1,6411,5631,441695612522
Tax expense43.9%36825626118612990
Profit after tax-2.6%1,2721,3061,180509483432
Net profit (loss) for the period-2.6%1,2721,3061,180509483432
Reserve excluding revaluation reserves-11,208-----
CET 1 ratio4.4%0.19850.16170.17450.15660.14850.1266
Gross non performing assets-6.8%2,4022,5782,2932,2512,5882,800
Non performing assets-11%1,0051,1291,0211,3771,6421,755
Return on assets-0.2%0.01050.01220.0121056057053
Description(%) Q/QDec-2025Sep-2025Jun-2025Mar-2025Dec-2024Sep-2024
Interest or discount on advances or bills-1.2%1,6211,6411,7301,7651,7591,770
Revenue on investments4.2%423406389380347356
Interest on balances with RBI and others-57.1%10228.834.641913
Other interest51.4%16611013310911895
Total interest earned1.9%2,2202,1792,2612,2582,2432,234
Other income-12%302343358428292270
Total income0%2,5222,5232,6202,6872,5352,504
Total expenditure-0.6%2,0712,0832,1522,3122,1022,044
Interest expended-1.6%1,4281,4511,5061,4781,4501,401
Employees cost14.3%361316341526343350
Other operating expenses-10.5%282315306308309293
Operating expenses1.9%643631647834652643
Operating profit2.7%452440467375433460
Provisions other than tax and contingencies394.7%9520111318431
Profit before tax-15%357420356344349429
Tax expense-35%6610164926693
Profit after tax-8.8%291319292252284336
Net profit (loss) for the period-8.8%291319292252284336
Reserve excluding revaluation reserves-------
CET 1 ratio-1%0.18440.19280.1890.19850.17640.1758
Gross non performing assets4.6%2,5652,4532,5712,4022,4192,415
Non performing assets1.9%9959761,0501,0051,0641,083
Return on assets-0.1%0920.010309708100

Balance Sheet for Karnataka Bank

Consolidated figures (in Rs. Crores) /
Description(%) Q/QSep-2025Mar-2025Sep-2024Mar-2024Sep-2023Mar-2023
Total assets-1.9%118,685120,9601,161,100,000,000116,083105,85599,057
Cash balances with RBI-33.5%5,0027,5267,3927,6566,4425,204
Investments8.4%26,59724,53521,45924,30023,95623,325
Advances-5.7%72,15376,54173,95271,50965,42259,952
Fixed assets7.9%1,069991946915876875
Other assets4.5%11,39810,90911,91611,3678,7158,746
Capital0%378378378377313312
Reserves and surplus4.3%12,21111,70711,16610,4708,4477,900
Deposits-1.9%102,816104,80699,96798,05789,53287,368
Borrowings-32.6%1,3091,9412,4324,4005,3241,563
Other liabilities and provisions-7.4%1,9722,1292,1672,7792,2391,914
Total capital and liabilities-1.9%118,685120,960116,110116,083105,85599,057
Standalone figures (in Rs. Crores) /
Description(%) Q/QSep-2025Mar-2025Sep-2024Mar-2024Sep-2023Mar-2023
Total assets-1.9%118,686120,9621,161,113,400,000116,085105,85699,058
Cash balances with RBI-33.5%5,0027,5267,3927,6566,4425,204
Investments8.4%26,59924,53721,46024,30223,95823,326
Advances-5.7%72,15376,54173,95271,50965,42259,952
Fixed assets7.9%1,069991946915875875
Other assets4.5%11,39810,90911,91511,3668,7158,746
Capital0%378378378377313312
Reserves and surplus4.3%12,21111,70711,16710,4718,4497,901
Deposits-1.9%102,817104,80799,96898,05889,53287,368
Borrowings-32.6%1,3091,9412,4324,4005,3241,563
Other liabilities and provisions-7.4%1,9712,1282,1662,7792,2391,914
Total capital and liabilities-1.9%118,686120,962116,111116,085105,85699,058

Cash Flow for Karnataka Bank

Consolidated figures (in Rs. Crores) /
Description(%) Q/QMar-2025Mar-2024Mar-2023Mar-2022Mar-2021Mar-2020
Profit Before Extraord. Items And Tax5%1,6411,5631,440694--
Finance costs-101.4%07200--
Depreciation-850372193--
Total adjustments to profit/loss203.5%17458372194--
Change in trade receivables-000-6,561.58--
Adjustments for Provisions-69.2%186601767939--
Total adj. for working capital-44.5%-1,241.08-858.77324-1,116.12--
Net Cashflows From Operations-24.7%5747622,137-228.4--
Income taxes paid (refund)-9%364400307239--
Net Cashflows From Operating Activities-42.1%2103621,830-467.45--
Proceeds from sales of tangible assets-1.66000.66--
Purchase of tangible assets45.9%1631128957--
Proceeds from sales of intangible assets-614.3%00.861.790--
Other inflows/outflows of cash--529.54000--
Net Cashflows From Investing Activities-516.4%-690.59-111.2-87.52-56.44--
Proceeds from issuing shares-99.8%4.221,4856.511.75--
Proceeds from borrowings143.1%61625499-300.71--
Dividends paid33.5%20815612556--
Net Cashflows From Financing Activities-74%4121,582-19.46-354.92--
Net change in cash and cash eq.-103.8%-68.961,8331,723-878.81--
Standalone figures (in Rs. Crores) /
Description(%) Q/QMar-2025Mar-2024Mar-2023Mar-2022Mar-2021Mar-2020
Profit Before Extraord. Items And Tax5%1,6411,5631,441695--
Depreciation18.3%8572372193--
Total adjustments to profit/loss203.5%17458372194--
Change in trade receivables-000-6,561.33--
Adjustments for Provisions-69.2%186601767939--
Total adj. for working capital-44.5%-1,240.59-858.4324-1,116.32--
Net Cashflows From Operations-24.7%5747622,137-227.99--
Income taxes paid (refund)-9%364400307239--
Net Cashflows From Operating Activities-42.1%2103621,830-467.03--
Proceeds from sales of tangible assets760%1.660.91.790.66--
Purchase of tangible assets45.9%1631128957--
Other inflows/outflows of cash--529.54000--
Net Cashflows From Investing Activities-516.9%-690.55-111.1-87.41-56.36--
Proceeds from issuing shares-99.8%4.221,4846.011.25--
Proceeds from borrowings143.1%61625499-300.71--
Dividends paid33.5%20815612556--
Net Cashflows From Financing Activities-74%4121,582-19.96-355.42--
Net change in cash and cash eq.-103.8%-68.961,8331,723-878.81--

What does Karnataka Bank Ltd. do?

Private Sector Bank•Financial Services•Small Cap

The Karnataka Bank Limited provides various banking and financial services in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The Corporate/Wholesale Banking segment provides various fund and non-fund-based products, including term loans, working capital facilities, foreign exchange services, structured finance, and trade financing products. The Retail Banking segment offers home, automobile, personal, and education loans; loans against term deposits; loans against securities; and gold, small business, and agriculture loans to agriculture, MSME, housing, and education sectors. Its products include KBL Contractor Mitra, KBL Micro Mitra, KBL Export Mitra, KBL MSME, as well as KBL Mahila Udyog for financial support of women entrepreneurs. The Treasury segment engages in statutory reserves management, such as SLR and CRR; liquidity management; investment and trading activities; and foreign exchange activities. It also invests in sovereign debt instruments and other fixed income securities; mutual funds; certificates of deposits; floating rate instrument; forward contracts; and trades debt and equity securities, and foreign exchange. The Other Banking Operations segment offers a range of ancillary products and services, including depository; online trading; ASBA, locker, and safe custody facilities; bill payment; online and off-line fee collection; mobile and internet banking; and payment and remittance services, as well as FASTag services. It provides its services through physical banking channels, digital channels, including inter alia, internet and mobile banking, and e-lobbies. In addition, the company distributes insurance products. The Karnataka Bank Limited was incorporated in 1924 and is based in Mangalore, India.

Industry Group:Banks
Employees:8,900
Website:www.karnatakabank.com

Important Disclosure & Data Context

This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.

Performance Comparison

KTKBANK vs Banks (2021 - 2026)

KTKBANK leads the Banks sector while registering a 38.7% growth compared to the previous year.