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Tamilnad Mercantile Bank
Mid Cap•4,721 Employees•IPO 2022
Current Price
₹741.00
-3.65 (-0.49%)Updated
Valuation vs Sector
P/E Ratio
8.04vs 17.54
P/B Ratio
1.07vs 2.10
Div Yield
1.53%vs 0.61%
Today's Range
730
₹741.00
744.95
52 Week Range
52W Low₹411.80
52W High₹768.40
₹741.00
Downside79.94%
Upside3.70%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹10,696.64 Cr
Market Cap
Total market value of companyP/E Ratio
11.59
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
0.76
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹56.66
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
6.82%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
7.49%
ROCE
Return on Capital Employed. >15% is goodNet Margin
38.45%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
23.74%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
4.66%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
5.68%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
4.73%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
0.08
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹570.17
Book Value
Net asset value per shareDividend Yield
1.53%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
0.00%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
5 points- •Attractive P/E (6.42) and P/B (0.80) ratios suggest potential undervaluation.
- •Robust Return on Equity of 14.00% indicates efficient capital utilization.
Weaknesses
5 points- •Complete absence of promoter holdings (0%) raises corporate governance concerns.
- •High public shareholding (92.94%) may lead to increased stock volatility.
Opportunities
5 points- •Capitalize on India's growing financial services sector for market expansion.
- •Relatively small market cap (₹7804 Cr) offers significant market share growth.
Threats
4 points- •Highly competitive private banking landscape poses threat to market share.
- •Susceptible to adverse changes in banking policies and regulatory norms.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹777.20 | +₹36.20 | +4.89% |
| R3 | ₹762.25 | +₹21.25 | +2.87% |
| R2 | ₹753.60 | +₹12.60 | +1.70% |
| R1 | ₹747.30 | +₹6.30 | +0.85% |
| PIVOT | ₹738.65 | -2.35 | -0.32% |
| CURRENT | ₹741.00 | - | - |
| S1 | ₹702.45 | -₹38.55 | -5.20% |
| S2 | ₹717.40 | -₹23.60 | -3.18% |
| S3 | ₹723.70 | -₹17.30 | -2.33% |
| S4 | ₹732.35 | -₹8.65 | -1.17% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume+62.0% vs avg
1.32M
(29 Apr 2026)Delivery %-10.7% vs avg
33.7%
(29 Apr 2026)Avg Volume (20D)20-day average
8.17L
(30 Mar - 29 Apr)Avg Delivery %Trend ↓
44.4%
(30 Mar - 29 Apr)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
HDFC Bank Ltd
14.24L ₹ Cr
Best Profit Growth
Punjab & Sind Bank
22.90 %
Highest Dividend Yield
Karnataka Bank Ltd
2.40 %
Peer Comparison
| Company Name |
|---|
 City Union Bank Ltd |
 DCB Bank Ltd |
 Equitas Small Finance Bank Ltd |
 Fino Payments Bank Ltd |
 HDFC Bank Ltd |
 Jammu and Kashmir Bank Ltd |
 Jana Small Finance Bank Ltd |
 Karur Vysya Bank Ltd |
 Karnataka Bank Ltd |
 Punjab & Sind Bank |
 RBL Bank Ltd |
 South Indian Bank Ltd |
 Utkarsh Small Finance Bank Ltd |
About
Tamilnad Mercantile Bank Ltd
Tamilnad Mercantile Bank Limited (TMB) is an Indian banking and financial services institution with a long history, established in 1921 and formerly known as The Nadar Bank Ltd. It operates across various segments, primarily focusing on providing a comprehensive range of banking products and services to both individual and corporate clients throughout India.
TMB's business is structured around three core segments: Treasury, Corporate/Wholesale Banking, and Retail Banking. The Treasury segment likely manages the bank's liquidity and investments, while Corporate/Wholesale Banking caters to larger businesses and institutions, offering tailored financial solutions. The Retail Banking segment forms a significant part of TMB's operations, providing services directly to individual customers.
The bank offers a wide array of retail banking services. These include various deposit accounts (savings, fixed, recurring, term, and current), payment solutions (debit and credit cards, online bill payment, e-tax payment, POS terminals), investment options (demat and equity trading accounts, portfolio management, mutual funds, sovereign gold bonds), and insurance products. Furthermore, TMB provides convenient access to these services through internet and mobile banking platforms.
In terms of lending, TMB provides a diverse portfolio of loan products to meet a broad spectrum of customer needs. This includes personal loans, home loans, vehicle loans (car and two-wheeler), LAP (Loan Against Property), and various business loans catering to different sectors such as MSME (Micro, Small, and Medium Enterprises), agriculture, healthcare (pharma and health care loans for doctors), education, and even specialized loans for rice and dhall mills, traders, and service providers. They also cater to the needs of Non-Resident Indians (NRI) and offer green energy financing options.
Overall, TMB's business model is characterized by its extensive product offerings, covering various financial needs for individuals and businesses, along with its diverse loan portfolio aiming to serve a wide range of sectors within the Indian economy. Its longevity suggests a history of adaptation to the changing financial landscape in India, positioning it as a significant player in the Indian banking sector.
COMPANY FACTS - TMB
Registered Address
57, V. E. Road
Thoothukudi
TAMIL NADU
IN
Tel: 914612321382
Website:https://www.tmb.in/
Investor Relations:http://www.tmb.in/investor-relations.aspx
Company Details
Group: Banks
Sector: Financials
Industry: Banks
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 4,721
IPO Date: 15/09/2022
MANAGEMENT - TMB
Shri. Salee Nair
Chief Executive Officer, Managing Director
Shri. Sanjoy Goel
Chief Financial Officer
Shri. Swapnil Yelgaonkar
Compliance Officer, Company Secretary
Shri. K. Laxman Kudva
Chief Risk Officer
Mr. Vincent Devassy
Whole Time Director
Mr. C. S. Ram Kumar
Additional Director
Shri. Thomas Mathew
Additional Director
Mr. Niranjan A
Non-Executive Director
Mr. S. R. Ashok
Non-Executive Director
Mr. Nirranjan D. N.
Non-Executive Director
Shri. K. V. Rama Moorthy
Additional Non-Executive Director
Smt. R. Kanagavalli ..
Additional Independent Director
Investor Questions Answered
Tamilnad Mercantile Bank Ltd (TMB) Stock FAQs
Get answers to the most common questions about Tamilnad Mercantile Bank Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Tamilnad Mercantile Bank Ltd (TMB) is ₹741. Today, the stock has declined by ₹3.65 (0.49%), trading in a range of ₹730 to ₹744.95. The stock opened at ₹739 with a trading volume of 1,55,142 shares.
Tamilnad Mercantile Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹10,696.64 crores, P/E ratio of 11.59, ROE of 6.82%, and ROCE of 7.49%. The dividend yield stands at 1.53%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Tamilnad Mercantile Bank Ltd (TMB) is ₹768.4, while the 52-week low is ₹411.8. Currently trading at ₹741, the stock is 92.3% away from its 52-week low and 3.6% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Tamilnad Mercantile Bank Ltd stock at ₹741 depends on multiple factors. The stock is currently trading with a P/E ratio of 11.59 and P/B ratio of N/A. Today's performance shows a loss of 0.49%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Tamilnad Mercantile Bank Ltd offers a dividend yield of 1.53%, which means for every ₹100 invested at the current price of ₹741, you can expect to receive approximately ₹1.53 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Tamilnad Mercantile Bank Ltd's key financial metrics include: P/E Ratio: 11.59, P/B Ratio: N/A, ROE: 6.82%, ROCE: 7.49%, Dividend Yield: 1.53%, EPS: ₹56.66, Book Value: ₹570.17, Debt-to-Equity: 0.08, and Current Ratio: N/A. The company's market cap stands at ₹10,696.64 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Tamilnad Mercantile Bank Ltd stock opened at ₹739 and is currently trading at ₹741, showing a decline of ₹3.65 (0.49%). The intraday high is ₹744.95 and low is ₹730. The trading volume stands at 1,55,142 shares, indicating moderate market participation today.
Tamilnad Mercantile Bank Ltd has a Price-to-Earnings (P/E) ratio of 11.59, which means investors are willing to pay ₹11.59 for every ₹1 of earnings. With an EPS of ₹56.66, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Tamilnad Mercantile Bank Ltd has a market capitalization of ₹10,696.64 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹741) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Tamilnad Mercantile Bank Ltd has a book value of ₹570.17 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹741, which is 30.0% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Tamilnad Mercantile Bank Ltd has a Return on Equity (ROE) of 6.82% and Return on Capital Employed (ROCE) of 7.49%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Tamilnad Mercantile Bank Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Tamilnad Mercantile Bank Ltd has a debt-to-equity ratio of 0.08, which measures the company's financial leverage by comparing total debt to shareholders' equity. A low ratio suggests conservative financing with minimal debt. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Tamilnad Mercantile Bank Ltd has an Earnings Per Share (EPS) of ₹56.66, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹741 and P/E ratio of 11.59, investors are paying 11.59 times the annual earnings per share. This strong EPS indicates robust profitability. Track EPS growth over quarters to assess earnings momentum.
Tamilnad Mercantile Bank Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Tamilnad Mercantile Bank Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Tamilnad Mercantile Bank Ltd stock, consider: 1) Fundamental Analysis - Review P/E (11.59), ROE (6.82%), debt-to-equity (0.08), and growth rates. 2) Technical Analysis - Check 52-week range (₹411.80 - ₹768.40), moving averages, and chart patterns. 3) Valuation - Compare current price (₹741.00) with book value (₹570.17) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Tamilnad Mercantile Bank Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹741 is 7310x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Tamilnad Mercantile Bank Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹411.80 - ₹768.40). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.08 indicates leverage. 4) Liquidity Risk - Based on trading volume of 1,55,142 shares. 5) Valuation Risk - P/E of 11.59 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Tamilnad Mercantile Bank Ltd operates in the industry with key metrics: P/E ratio of 11.59, ROE of 6.82%, market cap of ₹10,696.64 crores, and dividend yield of 1.53%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.08), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Tamilnad Mercantile Bank Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹741, with a 52-week range of ₹411.80 to ₹768.40. Based on fundamentals like P/E (11.59), ROE (6.82%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Tamilnad Mercantile Bank Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹741.00. 2) Fundamental Deterioration - Declining ROE (currently 6.82%), increasing debt (D/E: 0.08), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Tamilnad Mercantile Bank Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 1.53%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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