Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 14 Oct - Intimation of Earning Conference call for Q2 & H1 FY 27
Source: Bse
Capital Small Finance Bank Limited (CAPITALSFB)
Small CapFinancial Services stocks · Small cap · NSE
Capital Small Finance Bank Limited operates in Small Finance Bank, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
Data qualityFresh enough for analysisQuote updated 21 Oct, 01:14 pm ISTDetails
Quote21 Oct, 01:14 pm IST
Base fundamentals05 Oct 2026 · screener
Latest result23 Jul, 09:26 pm IST
Score21 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags03 May 2026
Coverage12/14 · 86%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
41NeutralSMA20 -1.4% / mo · MACD −
Stock trend: 37
Sector RS: 46
Sector 3M: -6.0% vs Nifty 500 -6.0%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
CAPITALSFBD candles · FIT view-0.6%TODAY · PROVISIONALLatest price ₹262.65 on 2026-10-21
Today's candle is provisional from the latest intraday quote; completed-candle scans remain unchanged.
Bar
-1.3%
RSI
38
MACD hist
-0.68
52W pos
48%
2026-10-21O ₹266.05H ₹269.85L ₹262.65C ₹262.65Vol 15,374 shIntraday candle
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
CAPITALSFBNifty Financial ServicesNifty 500
- CAPITALSFB
- -12.3%
- Nifty 500
- -5.6%
- Nifty Financial Services
- -6.0%
- Vs Nifty 500
- -6.7 pp
Chart stats
19 Oct 2026- From 52W high
- -17.3%
- 52W range position
- 52%
- ATR (14)
- 3.6%
- Volume vs 20D
- 0.54x
- Avg traded value
- ₹1.1 Cr
- 20D price channel
- ₹262.3 - ₹298
₹323.7
₹206.6 - ₹323.7
₹9.7
Latest completed session
20-session average
34.7% annualized volatility
Research snapshot
What the evidence says now
Mixed fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend argues for patience, and recent execution is consistent.
Suggested next step
Research, do not rush
The evidence is not strongly aligned. Compare peers and wait for a cleaner setup.
U-Score
Legacy · FAIR VALUE56
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Excellent75
Revenue +16.6% · PAT +28.1% YoY
Technical
Neutral41
Price trend and sector-relative-strength timing.
Valuation
Legacy model+68.9%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence62
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Jun 2026
Excellent · 75/100Rev +17% YoY · PAT +28% YoY · +5% QoQ · operating leverage
Filed 23 Jul 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹288 Cr | +16.6% | +5.5% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹41 Cr | +28.1% | +2.5% |
| PAT margin | 14.2% | +128 bps | -41 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 8.37
- P/B
- 0.85
- EV/EBITDA
- —
- Market Cap
- 1262.00Cr
Profitability
- ROE
- 10.10%
- ROCE
- 7.07%
- ROA
- 1.24%
- Dividend Y
- 1.80%
Growth (CAGR)
- Revenue 5Y
- 15.00%
- EPS 5Y
- 28.00%
- Revenue 3Y
- 16.00%
- EPS 3Y
- 15.00%
Balance Sheet
- Debt/Equity
- 0.05
- Interest Coverage
- —
- Altman Z
- 1.82
- Book Value
- 327.00
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 2/5
- OCF
- -385.00 Cr
- EPS TTM
- 33.18
Shareholding
- Promoter Hold
- 18.29%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 59%
Financial History
Updated 21/10/2026
Revenue
₹ CrLatest: 288+5.5% vs prev
Net Profit
₹ CrLatest: 41.0+2.5% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Bearish setupTrend is weak — long-term trend down. RSI 38.
- Price below SMA200 (long-term downtrend) — short-term bounces likely countertrend.
- SMA20 falling (~1.7% over last month) — short-term momentum negative.
- RSI(14) at 38 — falling, no extreme reading.
- MACD below signal, histogram expanding negatively — bearish momentum building.
- 19% off 52W high · 27% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
57
RS percentile
Stage 1 Base / Transition
1M return
-4.0%
3M return
-12.3%
6M return
+3.3%
1Y return
-6.1%
RS 1D
-1
RS 20D
-4
Sector rank
#10
Industry rank
#20
Stage evidence
- Price is within 3.1% of the 30-week proxy.
- The 30-week proxy changed +1.2% over 20 sessions.
- The moving-average structure does not confirm Stage 2 or Stage 4.
50-DMA
price below
200-DMA
price below
Sector
weakening
Industry
improving
Relative-strength line vs Nifty 500 (base 100)
261 observations
19 Oct 2026Value 99.36-1.00%
RS vs Nifty 50099
Valuation & peers
U-Score 56 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Valuation & peers
U-Score 56 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Deep Value
Fundamental score breakdown
U band · FAIR VALUEValuation27/30
Growth18/25
Quality1/20
Balance Sheet8/15
Cash Flow1/10
Piotroski
4/9 (+1)
Penalties
0
Raw sum
56
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
56/100 · legacy band FAIR VALUE
Positive drivers
- Fair-value margin of safety is positive at 68.9%.
- Valuation contributes 27/30 to the score.
- Growth contributes 18/25 to the score.
Main drags
- Quality is weaker at 1/20; verify the latest quarterly trend.
- Cash flow is weaker at 1/10; verify the latest quarterly trend.
- Balance sheet is weaker at 8/15; verify the latest quarterly trend.
Sector valuation model
Bank valuation: P/B adjusted for ROE and asset quality
Banks are balance-sheet businesses, so book value quality matters more than simple earnings multiples.
Primary lens
Price/book and ROE/ROA, not trailing PE alone.
Secondary checks
Capital adequacy, credit cost, NPA trend, deposit franchise.
Main risk check
Low P/B can be a trap if asset quality or credit cost is worsening.
PE
8.4
PB
0.8
EV/EBITDA
—
ROE
10.1%
ROCE
7.1%
FCF Yield
—
Debt/Equity
0.1
MoS
+68.9%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 21 Oct 2026
v4.3-runtime-valuation
Final score
56
Previous: 56
Legacy U-Score band
FAIR VALUE
Previous: FAIR VALUE
Margin of safety
+68.9%
Previous: +68.3%
Score history
12 stored score snapshots. Latest stored move: +0 points.
21 Oct 2026
v4.3-runtime-valuation
56
56
56
56
56
56
56
56
56
56
56
56
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹494.09
+46.8% MoS
Growth-justified P/E
25.5
Growth-justified Value
₹846.09
+68.9% MoS
PEG
0.37
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
FINOPB
Small
Fino Payments Bank Limited
Banking
match 163
18
43.6
6.8%
-105%
OVERVALUED
ESAFSFB
Small
ESAF Small Finance Bank Limited
Banking
match 157
17
—
-8.9%
—
OVERVALUED
BANDHANBNK
Small
Bandhan Bank Limited
Banking
match 147
21
19.5
4.9%
-437%
OVERVALUED
CSBBANK
Micro
CSB Bank Limited
Banking
match 144
52
8.0
13.5%
+68%
FAIR VALUE
JSFB
Micro
Jana Small Finance Bank Limited
Banking
match 143
45
13.9
7.6%
+53%
WATCHLIST
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Capital Small Finance Bank Limited operates in Small Finance Bank, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
62Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 35th percentile of the scored universe and 51st percentile within Financial Services. Main check: cash conversion is weak at 40/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
52 docs text-extracted · 17 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
35th percentile
overall median 67 · Financial Services: 51st pctile, median 62 · Small: 40th pctile, median 66
Evidence depth
Financial-only
52 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Acceptable, but check the weakest sub-score before increasing exposure.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
66
acceptable · holding, pledge, alignment
Cash flow
40
weak · profit to cash conversion
Balance sheet
80
strong · leverage and solvency
Discipline
56
watch · capital discipline
Results
79
strong · quarterly consistency
Trust positives
- ▸Promoter pledge is zero.
- ▸Debt/equity is 0.05.
- ▸4/4 latest quarters had positive YoY revenue growth.
- ▸3/4 latest quarters had positive YoY PAT growth.
Trust risks
- ▸Operating cash flow is negative at ₹-385 Cr.
- ▸Promoter holding is only 18.3%.
- ▸ROCE is low at 7.1%.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Capital Small Finance Bank Limited
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
AnnouncementSep 2026
Sep 2026 · Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 24 Sep - Capital Small Finance Bank will attend Arihant Capital's virtual investor conference on 30 September 2026.
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 25 Sep
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 15 Sep
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 29 Aug
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 25 Aug
Source: Bse
Investor presentationJul 2026
Jul 2026 · PPT
Source: Bse
Concall transcriptJul 2026
Jul 2026 · Transcript
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 7 Jul - Newspaper Notice regarding Transfer of Equity Shares to Protection Fund (IEFP) Authority
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Change in Management 25 Jun - M/s GSA & Associates LLP appointed statutory auditor for FY27-FY29 after RBI and AGM approval.
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 12 Jun - Outcome of Securities Committee meeting - Allotment of ESOP
Source: Bse
Announcement
Board Meeting Outcome for Allotment Of 12,814 Equity Shares Under ESOP 13 May
Source: Bse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.