JSFB

Jana Small Finance Bank Ltd.

NSE: JSFB

BSE: 544118

Sector: Financial Services

Industry Group: Banks

Industry: Other Bank

581.55-0.8 (-0.14%)

24 Aug, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

46.1 / 100

Value Score

92.1 / 100

Price Momentum Score

91.0 / 100

QVM Score

95.9 / 100

Key Metrics

Market Cap

6150.07

P/E (TTM)

16.20

P/B

1.38

P/S (TTM)

1.62

EV/EBITDA

23.93

CAPE (5Y)

15.99

ROE (TTM)

7.60

ROCE (TTM)

3.54

ROA (TTM)

0.76

Avg 3Y ROE

15.18

Earnings 3Y CAGR

7.65

Sales 3Y CAGR

16.52

Sales 5Y CAGR

19.14

Debt/Equity

1.23

Consensus TP

600.00

Strong Buy %

100.00

Promoter Holding

16.94

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of Jana Small Finance Bank Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and reasonably valued with respect to the industry

PB of 1.38 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is modest at 0.0%

What is P/B Ratio?

Median: 1.38

Value 1.38

0.84.18

Strong price momentum

Price Momentum score of 91.0 indicates that the stock has strong price momentum. Research has shown that stocks with higher momentum continue to outperform in the near term

What is Price Momentum score?

91.0 / 100

Analysts have been raising forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has increased by 3.09% in the last 3 months, indicating earnings momentum

What is Earnings upgrade (3M)?

Moderate revenue growth and above median growth of industry

The company delivered moderate revenue growth of 17.47% for 12-month ended 30 Jun 2026 and the growth was 2.36 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 15.11

Value 17.47

-24.9419.03

Reasonable Gross NPA, and decreasing

The company has reasonable Gross NPA of 2.46% as on 30 Jun 2026 but Gross NPA decreased by 0.45 in the last 1 year

What is Gross NPA (%)?

Negative

Low and declining ROE

The company reported low ROE of 7.6% for 12-month ended 30 Jun 2026 and ROE declined by -542 bps from 1 year ago

What is ROE (FY)?

Low EPS growth and lower than median growth of industry

The company delivered moderate EPS growth of -12.43% for 12-month ended 30 Jun 2026 and the growth was 24.76 percentage points lower than median growth of industry

What is EPS growth (1Y)?

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

High Net Interest Margin (NIM) but declining trend

The company reported strong Net Interest Margin (NIM) of 6.19% for 12-month ended 30 Jun 2026 but Net Interest Margin (NIM) declined by -69 bps from 1 year ago

What is Net interest margin?

Financial Snapshot

See detailed analysis

Multi-year trends for Jana Small Finance Bank Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Jana Small Finance Bank Ltd. Shareholding Pattern

Quarterly breakdown of Jana Small Finance Bank Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Aug 2018	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total Promoter	0.00	22.54	22.54	22.38	22.35	22.28	21.88	21.87	21.86	21.85	16.94
Indian Promoter	0.00	22.54	22.54	22.38	22.35	22.28	21.88	21.87	21.86	21.85	16.94
Foreign Promoter	0.00	-	-	-	-	-	-	-	-	-	-
Institutions	44.31	18.86	18.75	19.08	18.97	16.77	16.31	16.02	19.00	20.58	20.36
Mutual Funds / UTI	0.00	2.45	2.77	4.77	6.07	5.31	5.33	3.45	1.45	1.92	1.88
FI/Bank/Insurance	0.00	6.78	6.45	5.98	5.51	4.72	4.71	4.69	4.69	4.69	3.79
Govt	0.00	-	-	-	-	-	-	-	-	-	-
FII	43.95	1.15	1.02	1.09	0.51	0.89	0.28	1.21	4.11	4.31	4.01
Other Institutions	0.36	8.47	8.51	7.24	6.89	5.86	5.99	6.67	8.76	9.66	10.67
Non-Institution	55.69	58.62	58.70	58.54	58.68	60.94	61.81	62.12	59.14	57.57	62.70
Bodies Corporate	54.58	13.45	13.36	12.78	11.75	11.96	11.80	11.06	11.41	13.38	19.95
Others (incl. Retail) No. of shareholders	1.11 0	45.17 71,842	45.34 48,978	45.76 50,780	46.93 52,045	48.98 52,133	50.01 53,005	51.06 50,807	47.73 51,215	44.19 50,429	42.75 49,479

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	Nifty Microcap 250	0.39%	88 / 250
2	Nifty Total Market	0.02%	546 / 749

Prominent Investor Holdings

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Jana Small Finance Bank Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
JANA HOLDINGS LIMITED Promoter	August-2024	Market Sale (Disposal) 30th Aug 2024	22.54 %	₹ 600.06	1.66 lac	₹ 9.96 cr

No corporate action data available.

Company Profile

Overview of Jana Small Finance Bank Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Jana Small Finance Bank Limited is an India-based small finance bank which provides a range of banking and financial services to individuals and enterprises. Its segments include Treasury, which consists of the investment portfolio of the Bank; Corporate/Wholesale Banking, which includes all advance...

Key personnel

Mr. Shrinivas Murty

President and Head - Branch Banking and Marketing

Mr. Abhilash Sandur

Chief Financial Officer

Mr. Ganesh Nagarajan

Chief Operating Officer

Mr. Amit Raj Bakshi

Chief Human Resources Officer

Mr. Ashish Gopal Saxena

Chief Information and Digital Officer

Ms. Lakshmi Raja Narayanamurthy

Company Secretary and Compliance Officer

Ms. Chitra Menon

Chief Compliance Officer

Mr. Satish Ramachandran

Chief Risk Officer

View all

Incorporated on

24 Jul 2006

Last Annual

31 Mar 2026

Last Interim

30 Jun 2026

No. of Employees

IPO date

14 Feb 2024

Free Float

4,63,01,894

Website

https://www.janabank.com/

Phone no.

+918002080

Address

THEFAIRWAYBUSINESSPARK #10/1,11/2,12/2B,OFF DOMLUR KORAMANGALA INNER RG RD, NEXT TO EGL,CHA, LLAGHAT, , 560071, India

Frequently Asked Questions

What is the current share price of Jana Small Finance Bank Ltd.?

The current share price of Jana Small Finance Bank Ltd. is ₹ 581.55 as of 24 Aug 2026.

What is the market capitalisation of Jana Small Finance Bank Ltd.?

The market capitalisation of Jana Small Finance Bank Ltd. stands at ₹ 6,150.07 Cr.

What is the PE ratio of Jana Small Finance Bank Ltd.?

The Price-to-Earnings (PE) ratio of Jana Small Finance Bank Ltd. is 16.20 as of the latest trailing twelve months data.

What is the ROE and ROCE of Jana Small Finance Bank Ltd.?

Jana Small Finance Bank Ltd. has a Return on Equity (ROE) of 7.60% and a Return on Capital Employed (ROCE) of 3.54% as per the latest financial reports.

What is the 52-week high and low of Jana Small Finance Bank Ltd.?

The 52-week high of Jana Small Finance Bank Ltd. is - and the 52-week low is -.

What is the dividend yield of Jana Small Finance Bank Ltd.?

The dividend yield of Jana Small Finance Bank Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in Jana Small Finance Bank Ltd.?

Foreign Institutional Investors (FII) hold 4.01%, Domestic Institutional Investors (DII) hold 5.67% and retail/public investors hold 42.75% of Jana Small Finance Bank Ltd. shares.

What sector does Jana Small Finance Bank Ltd. belong to?

Jana Small Finance Bank Ltd. operates in the Financial Services sector. 100% of analysts have a Buy or Strong Buy rating on Jana Small Finance Bank Ltd. with a consensus target price of ₹ 600.00, implying 3.17% upside from current levels.

What is the beta of Jana Small Finance Bank Ltd.?

The beta of Jana Small Finance Bank Ltd. is 0.87, indicating its price volatility relative to the broader market. Over the past 1 year, Jana Small Finance Bank Ltd. has delivered an absolute return of 26.04%.

What is the RSI of Jana Small Finance Bank Ltd.?

The 14-day Relative Strength Index (RSI) of Jana Small Finance Bank Ltd. is 59.52, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.