Utkarsh Small Finance Bank (BOM:543942) ROC %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:543942 Utkarsh Small Finance Bank Ltd BOM:543942
67 GF Score
Price ₹14.97
GF Value ₹21.65
Valuation Possible Value Trap
! 5 Warning Signs
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What is Utkarsh Small Finance Bank ROC %?

Utkarsh Small Finance Bank BOM:543942 -0.60% 67 ROC % is % as of Mar. 2026. GuruFocus rates BOM:543942 with a GF Score™ of 67/100 and a GF Value™ of ₹21.65 (Possible Value Trap). The stock has 5 warning signs investors should review.

ROC %does not apply to banks.

BOM:543942
67GF Score
Utkarsh Small Finance Bank Ltd BOM:543942
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Utkarsh Small Finance Bank (BOM:543942) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Utkarsh Small Finance Bank and its competitors.
Is Utkarsh Small Finance Bank's ROC % too high?
Utkarsh Small Finance Bank's current ROC % is %. Overall, Utkarsh Small Finance Bank has a GF Score™ of 67/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Utkarsh Small Finance Bank's ROC % compare to competitors?
Utkarsh Small Finance Bank's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.85, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Utkarsh Small Finance Bank and its competitors. For the Banks industry, the median ROC % is 1.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Utkarsh Small Finance Bank's current ROC % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Utkarsh Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, Utkarsh Small Finance Bank (BOM:543942) is currently considered Possible Value Trap. The stock's GF Value™ is ₹21.65, compared to a current price of ₹14.97 — trading 30.9% below its estimated fair value. The current ROC % is %. Utkarsh Small Finance Bank's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Utkarsh Small Finance Bank (BOM:543942), the current ROC % is % 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 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 ₹14.97 is trading 30.9% below its estimated GF Value™ of ₹21.65. GuruFocus considers Utkarsh Small Finance Bank to be Possible Value Trap.

Key valuation signals for BOM:543942:

  • ROC %: %
  • GF Value™: ₹21.65 vs. price of ₹14.97 (30.9% below fair value)
  • GF Score™: 67/100 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.
67GF Score

Get the complete analysis for BOM:543942

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

₹14.97
Price
₹21.65
GF Value