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Tamilnad Mercantile Bank Limited TMB NSEFINANCIAL

Financial Services · Banks - Regional · India
https://tmb.bank.in

Tamilnad Mercantile Bank Limited provides banking and financial products and services in India. It operates through the Treasury, Corporate and Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers savings, fixed, recurring, term deposit, and current accounts; debit and credit cards; and demat and equity trading accounts, portfolio management, POS terminal, e-tax payment, online bill payment, mutual fund, insurance, sovereign gold bond scheme, forex, and Internet and mobile banking services. It also provides home, car, two-wheeler, personal, LAP, pension, pharma and healthcare, education, gold, jewelry, commercial vehicles, traders and services, MSME, rice and dhall mill, doctor, agricultural, green energy, and Mahalir loans, as well as loans against sovereign gold bonds and secured overdraft facilities; NRI products; and microenterprise and pharma finance. The company was formerly known as The Nadar Bank Ltd. and changed its name to Tamilnad Mercantile Bank Limited on November 26, 1962. Tamilnad Mercantile Bank Limited was incorporated in 1921 and is headquartered in Thoothukudi, India.

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₹692.55
+58.34% 1Y

Market & Price

Market Cap
₹10,966.63 Cr
Current Price
₹692.55
High / Low (52W)
₹756.80 / ₹421.95
Beta
0.52

Valuation

Stock P/E
8.20
Industry PE
19.12
Forward P/E
-
PEG Ratio
-
Book Value
₹638.57
Price to Book
1.08
P/S
3.27
EV/EBITDA
-
Dividend Yield
1.59%

Profitability & Returns

ROCE
-
ROE
13.99%
ROA
1.89%
Profit Margin
39.86%
Op Margin
54.29%
EPS (Latest Qtr)
₹23.60
EPS (TTM)
₹84.49

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹700.00 Cr
Total Assets
₹75,299.60 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
29.31%
Chg in Prom Hold
-
FII / Inst Holding
3.88%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
₹7,449.95 Cr
Total Revenue (TTM)
₹3,355.71 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-8,124.27 Cr
Shares Outstanding
₹15.84 Cr
Gross Margin
0.00%
Payout Ratio
13.02%

Growth (CAGR)

Revenue 5Y
7.73%
Profit 5Y
9.13%
Revenue (YoY)
23.50%
Earnings (YoY)
28.00%

PROS

  • Excellent profit margin of 39.9%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 TMB Tamilnad Mercantile Bank Limited NSEFINANCIAL 692.55 8.20 ₹10,966.63 Cr 1.59% - 13.99% 7.73% 9.13%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 759.31 Cr768.29 Cr810.78 Cr842.15 Cr946.21 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 351.61 Cr364.29 Cr398.52 Cr373.92 Cr423.90 Cr
Operating Income -----
EBITDA -----
Interest Expense 760.63 Cr773.77 Cr806.69 Cr823.27 Cr845.93 Cr
Pretax Income 404.44 Cr386.78 Cr403.92 Cr466.74 Cr503.52 Cr
Tax Provision 104.20 Cr94.88 Cr99.03 Cr125.24 Cr129.87 Cr
Net Income 300.24 Cr291.90 Cr304.89 Cr341.50 Cr373.65 Cr
Diluted EPS 18.9618.4419.2521.5723.60

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -2,723.11 Cr2,795.64 Cr3,151.41 Cr3,404.34 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -1,150.39 Cr1,264.06 Cr1,405.67 Cr1,549.11 Cr
Operating Income -----
EBITDA -----
Interest Expense -1,986.92 Cr2,697.02 Cr2,990.34 Cr3,292.15 Cr
Pretax Income -1,029.26 Cr1,393.58 Cr1,574.89 Cr1,806.60 Cr
Tax Provision -364.38 Cr321.55 Cr392.28 Cr469.05 Cr
Net Income -1,029.26 Cr1,072.03 Cr1,182.61 Cr1,337.55 Cr
Diluted EPS 57.6768.0667.7074.68-

Compounded Sales Growth

5 Years:7.73%
1 Year:23.50%

Compounded Profit Growth

5 Years:9.13%
1 Year:28.00%

Stock Price Performance

1 Year:+58.34%
6 Months:+39.11%
3 Months:+0.00%
1 Month:-6.37%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -57,895.37 Cr61,552.46 Cr66,449.87 Cr75,299.60 Cr
Current Assets -----
Cash & Equivalents -3,581.99 Cr3,568.12 Cr4,408.25 Cr4,214.94 Cr
Inventory -----
Receivables 720.85 Cr618.80 Cr824.07 Cr593.35 Cr-
Total Liabilities -50,967.02 Cr53,631.26 Cr57,441.18 Cr65,189.44 Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -525.00 Cr499.54 Cr500.00 Cr700.00 Cr
Total Equity -6,928.35 Cr7,921.20 Cr9,008.69 Cr10,110.16 Cr
Shares Outstanding -15.84 Cr15.84 Cr15.84 Cr15.84 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --1,269.80 Cr-610.54 Cr1,898.83 Cr-100.88 Cr
Investing Cash Flow --88.60 Cr-100.30 Cr-99.21 Cr-118.24 Cr
Financing Cash Flow -1,088.38 Cr696.98 Cr-959.50 Cr25.81 Cr
Capital Expenditure --89.58 Cr-100.73 Cr-105.27 Cr-128.35 Cr
Free Cash Flow --1,359.38 Cr-711.27 Cr1,793.56 Cr-229.23 Cr
Net Change in Cash --270.02 Cr-13.86 Cr840.12 Cr-193.31 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -37.8%38.3%37.5%39.3%
ROE % -14.9%13.5%13.1%13.2%
ROCE % -----

Shareholding Pattern

Insiders
29.31%
Institutions
3.88%
Public Float
5.49%

Analyst View

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Recent headlines for TMB

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