Utkarsh Small Finance Bank (BOM:543942) Cyclically Adjusted PS Ratio: (As of Sep. 15, 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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BOM:543942 Utkarsh Small Finance Bank Ltd BOM:543942
66 GF Score
Price ₹14.52
GF Value ₹15.04
Valuation Fairly Valued
! 5 Warning Signs
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What is Utkarsh Small Finance Bank Cyclically Adjusted PS Ratio?

Utkarsh Small Finance Bank does not have a history long enough to calculate Cyclically Adjusted Revenue per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PS Ratio for this company.

Shiller PE for Stocks: The True Measure of Stock Valuation


Utkarsh Small Finance Bank  (BOM:543942) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Utkarsh Small Finance Bank Cyclically Adjusted PS Ratio Related Terms


Utkarsh Small Finance Bank Cyclically Adjusted PS Ratio Historical Data

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The historical data trend for Utkarsh Small Finance Bank's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Utkarsh Small Finance Bank Cyclically Adjusted PS Ratio Chart

Utkarsh Small Finance Bank Annual Data
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Utkarsh Small Finance Bank Quarterly Data
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Utkarsh Small Finance Bank Cyclically Adjusted PS Ratio Competitor Comparison

For the Banks - Regional subindustry, Utkarsh Small Finance Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Utkarsh Small Finance Bank Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Utkarsh Small Finance Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Utkarsh Small Finance Bank's Cyclically Adjusted PS Ratio falls into.


BOM:543942
66GF Score
Utkarsh Small Finance Bank Ltd BOM:543942
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Utkarsh Small Finance Bank Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Utkarsh Small Finance Bank does not have a history long enough to calculate Cyclically Adjusted Revenue per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PS Ratio for this company.

Is Utkarsh Small Finance Bank (BOM:543942) Overvalued in 2026?

Based on GuruFocus' analysis, Utkarsh Small Finance Bank stock appears to be undervalued. The current stock price of ₹14.52 is trading 3.5% below its estimated GF Value™ of ₹15.04. GuruFocus considers Utkarsh Small Finance Bank to be Fairly Valued.

Key valuation signals for BOM:543942:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: ₹15.04 vs. price of ₹14.52 (3.5% below fair value)
  • GF Score™: 66/100 with 5 warning signs

No single metric tells the full story. See the BOM:543942 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Utkarsh Small Finance Bank Business Description

Other Exchanges UTKARSHBNK:India
Address NH - 31 (Airport Road, Utkarsh Tower, Sehmalpur, Kazi Sarai, Harhua, Varanasi, UP, IND, 221105
Utkarsh Small Finance Bank Ltd is an SFB in India. It offers a range of financial products and services that address the specific requirements of its customer segments while assessing factors including income profile and the type of security available. Its asset products include Microbanking loans, retail loans, wholesale lending, housing loans, commercial vehicle/construction equipment loans, and gold loans. On the liabilities side, the company offers savings accounts, current accounts, and a variety of term and recurring deposit accounts. The Bank's business segment includes Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The bank generates the majority of its revenue from the Retail Banking segment.
66GF Score

Get the complete analysis for BOM:543942

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹14.52
Price
₹15.04
GF Value