Tamilnad Mercantile Bank Limited
NSE: TMB · Private Sector Bank
Snapshot
Unlock Tamilnad Mercantile Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Tamilnad Mercantile Bank Limited is an Indian private sector bank providing a comprehensive range of financial products and services to retail, corporate, and wholesale clients. Established in 1921, the bank offers diverse deposit accounts, credit facilities, and specialised loan products including MSME, agricultural, and personal financing.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, alongside fee-based income from banking services, insurance, and mutual fund distribution. It operates through structured segments including Treasury, Corporate and Wholesale Banking, and Retail Banking.
Growth Outlook
Growth is driven by the expansion of the bank's loan portfolio, particularly in the MSME and retail segments, and the continued digitisation of its banking services. The bank focuses on leveraging its long-standing presence to deepen customer relationships and increase its market share in the Indian banking sector.
Key Risks
- Credit Risk. The bank faces potential losses if borrowers fail to meet their repayment obligations, particularly within the MSME and retail loan portfolios.
- Regulatory Risk. As a private sector bank, it is subject to stringent regulations by the Reserve Bank of India, which can impact operational flexibility and profitability.
- Interest Rate Risk. Fluctuations in interest rates can affect the bank's net interest margins and the overall demand for credit products.
- Competition Risk. The bank operates in a highly competitive Indian banking landscape, facing pressure from both large public sector banks and agile private sector peers.
Start your research today
Unlock AI insights, financials, peers and live data on Tamilnad Mercantile Bank Limited and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹1,444 Cr
TTM · standalone
EPS
₹91.21
TTM · standalone
P/E
10.2x
Q1 FY27 · standalone
Peers · Private Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Tamilnad Mercantile Bank LimitedTMB | ₹14,765 Cr | 10.22 | — | — | — | — | — | +119.1% |
City Union Bank Ltd.CUB | ₹23,384 Cr | 13.40 | — | — | — | 13.7% | — | +21.6% |
The Jammu & Kashmir Bank LimitedJ&KBANK | ₹16,520 Cr | 7.17 | — | 7.0% | — | 14.8% | — | +49.8% |
The Karnataka Bank LimitedKTKBANK | ₹12,863 Cr | 8.95 | — | — | — | 11.4% | — | +93.8% |
The South Indian Bank LimitedSOUTHBANK | ₹12,379 Cr | 8.20 | — | — | — | 14.0% | — | +64.9% |
DCB Bank LimitedDCBBANK | ₹7,110 Cr | 8.97 | — | — | — | 12.9% | — | +74.2% |
Financials
Tamilnad Mercantile Bank Limited
NSE: TMB · Private Sector Bank
Snapshot
Unlock Tamilnad Mercantile Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Tamilnad Mercantile Bank Limited is an Indian private sector bank providing a comprehensive range of financial products and services to retail, corporate, and wholesale clients. Established in 1921, the bank offers diverse deposit accounts, credit facilities, and specialised loan products including MSME, agricultural, and personal financing.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, alongside fee-based income from banking services, insurance, and mutual fund distribution. It operates through structured segments including Treasury, Corporate and Wholesale Banking, and Retail Banking.
Growth Outlook
Growth is driven by the expansion of the bank's loan portfolio, particularly in the MSME and retail segments, and the continued digitisation of its banking services. The bank focuses on leveraging its long-standing presence to deepen customer relationships and increase its market share in the Indian banking sector.
Key Risks
- Credit Risk. The bank faces potential losses if borrowers fail to meet their repayment obligations, particularly within the MSME and retail loan portfolios.
- Regulatory Risk. As a private sector bank, it is subject to stringent regulations by the Reserve Bank of India, which can impact operational flexibility and profitability.
- Interest Rate Risk. Fluctuations in interest rates can affect the bank's net interest margins and the overall demand for credit products.
- Competition Risk. The bank operates in a highly competitive Indian banking landscape, facing pressure from both large public sector banks and agile private sector peers.
Start your research today
Unlock AI insights, financials, peers and live data on Tamilnad Mercantile Bank Limited and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹1,444 Cr
TTM · standalone
EPS
₹91.21
TTM · standalone
P/E
10.2x
Q1 FY27 · standalone
Peers · Private Sector Bank
As of