Tamilnad Mercantile Bank (NSE:TMB) Retained Earnings: ₹3,552 Mil (As of Mar. 2026)

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NSE:TMB Tamilnad Mercantile Bank Ltd NSE:TMB
57 GF Score
Price ₹804.50
GF Value ₹564.65
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Tamilnad Mercantile Bank Retained Earnings?

Tamilnad Mercantile Bank NSE:TMB +0.64% 57 Retained Earnings is ₹3,552 Mil as of Mar. 2026. GuruFocus rates NSE:TMB with a GF Score™ of 57/100 and a GF Value™ of ₹564.65 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Tamilnad Mercantile Bank's retained earnings for the quarter that ended in Mar. 2026 was ₹3,552 Mil.

Tamilnad Mercantile Bank's quarterly retained earnings stayed the same from Sep. 2025 (₹0 Mil) to Dec. 2025 (₹0 Mil) but then increased from Dec. 2025 (₹0 Mil) to Mar. 2026 (₹3,552 Mil).

Tamilnad Mercantile Bank's annual retained earnings increased from Mar. 2024 (₹2,191 Mil) to Mar. 2025 (₹2,603 Mil) and increased from Mar. 2025 (₹2,603 Mil) to Mar. 2026 (₹3,552 Mil).


Tamilnad Mercantile Bank  (NSE:TMB) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Tamilnad Mercantile Bank Retained Earnings Historical Data

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The historical data trend for Tamilnad Mercantile Bank's Retained Earnings 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.

Tamilnad Mercantile Bank Retained Earnings Chart

Tamilnad Mercantile Bank Annual Data
Trend Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Retained Earnings
Get a 7-Day Free Trial 2,263.16 1,232.88 2,191.45 2,602.91 3,551.58

Tamilnad Mercantile Bank Quarterly Data
Mar21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,602.91 0.00 0.00 0.00 3,551.58
NSE:TMB
57GF Score
Tamilnad Mercantile Bank Ltd NSE:TMB
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Tamilnad Mercantile Bank Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of ₹3,552 Mil mean?
Tamilnad Mercantile Bank (NSE:TMB) has a Retained Earnings of ₹3,552 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Tamilnad Mercantile Bank and its competitors.
Is Tamilnad Mercantile Bank's Retained Earnings too high?
Tamilnad Mercantile Bank's current Retained Earnings is ₹3,552 Mil. Overall, Tamilnad Mercantile Bank has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tamilnad Mercantile Bank's Retained Earnings compare to competitors?
Tamilnad Mercantile Bank's Retained Earnings of ₹3,552 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Tamilnad Mercantile Bank and its competitors. Tamilnad Mercantile Bank's current Retained Earnings is ₹3,552 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tamilnad Mercantile Bank stock overvalued right now?
Based on GuruFocus' analysis, Tamilnad Mercantile Bank (NSE:TMB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹564.65, compared to a current price of ₹804.50 — trading 42.5% above its estimated fair value. The current Retained Earnings is ₹3,552 Mil. Tamilnad Mercantile Bank's overall GF Score™ is 57/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Tamilnad Mercantile Bank (NSE:TMB), the current Retained Earnings is ₹3,552 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Tamilnad Mercantile Bank (NSE:TMB) Overvalued in 2026?

Based on GuruFocus' analysis, Tamilnad Mercantile Bank stock appears to be overvalued. The current stock price of ₹804.50 is trading 42.5% above its estimated GF Value™ of ₹564.65. GuruFocus considers Tamilnad Mercantile Bank to be Significantly Overvalued.

Key valuation signals for NSE:TMB:

  • Retained Earnings: ₹3,552 Mil
  • GF Value™: ₹564.65 vs. price of ₹804.50 (42.5% above fair value)
  • GF Score™: 57/100 with 5 warning signs

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


Tamilnad Mercantile Bank Business Description

Other Exchanges 543596:India
Address No. 57, Victoria Extension Road, Tuticorin, TN, IND, 628 002
Tamilnad Mercantile Bank Ltd is engaged in providing a wide range of banking & financial services involving retail, corporate banking and para-banking activities in addition to treasury and foreign exchange business. The company has a portfolio of advances and deposits from a diversified customer base including retail customers, agricultural customers, and MSMEs. The segments of the bank are Treasury, Corporate and Wholesale banking, Retail banking, and Other banking Operations. It generates the majority of its revenue from the Retail banking segment.
57GF Score

Get the complete analysis for NSE:TMB

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹804.50
Price
₹564.65
GF Value