Tamilnad Mercantile Bank Limited
Tamilnad Mercantile Bank Limited operates in Private Sector Bank, part of the Financial Services sector. It booked ₹1,662 cr of revenue in its latest quarter (Q1 FY27) and kept 24.8% of sales as profit.
| Segment | FY25 | FY26 | Share |
|---|---|---|---|
| Retail Banking | 4,306 | 4,834 | 70% → 72% |
| Treasury | 1,256 | 1,281 | 20% → 19% |
| Corporate / Wholesale Banking | 580 | 582 | 9% → 9% |
| Other Banking Operations | 0 | 0 | 0% → 0% |
| Total | 6,142 | 6,696 |
From the company's standalone segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
“To be a progressive bank with strong brand equity, enhancing value for all the stakeholders through excellence in performance and good governance.”
“To be a progressive bank with strong brand equity, enhancing value for all the stakeholders through excellence in performance and good governance.”
Healthier than 71% of companies in Financial Services, on the 4 of 6 measures we could read for it. Each measure is ranked against the 95–250 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 50
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet, growth & consistency. Those pillars are left out of the score rather than counted as zero.
What if I invest in TMB?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Interest Earned | ₹1,662 cr |
| Other Income | ₹238 cr |
| Total Income | ₹1,901 cr |
| Interest Expended | ₹897 cr |
| Employee Cost | ₹209 cr |
| Other Operating Expenses | ₹183 cr |
| Total Expenditure | ₹1,290 cr |
| Operating Profit before Provisions | ₹611 cr |
| Provisions & Contingencies | ₹54 cr |
| Profit before Tax | ₹557 cr |
| Tax Expense | ₹146 cr |
| Net Profit | ₹412 cr |
| Net margin on total income | 21.6% |
Not enough income-statement detail filed to break this down yet.
| Metric | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|
| Revenue | 1,469 cr | 1,550 cr | 1,662 cr |
| Total income | 1,665 cr | 1,792 cr | 1,901 cr |
| Expenses | — | — | — |
| Profit before tax | 467 cr | 504 cr | 557 cr |
| Tax | 125 cr | 130 cr | 146 cr |
| Net profit (owners' share) | 342 cr | 374 cr | 412 cr |
| Net margin (owners' share, on revenue) | 23.2% | 24.1% | 24.8% |
| EPS (₹) | 21.57 | 23.60 | 25.99 |
Lender caveat: a bank's operating cash swings with deposits and lending — this is loan-book activity, not distress.
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹713 | ₹10.98 L cr | 14.3 | 14.0% | 22.5% | — |
| ICICI Bank Limited | ₹1,348 | ₹9.67 L cr | 15.6 | 17.1% | 31.0% | — |
| Kotak Mahindra Bank Limited | ₹417 | ₹4.14 L cr | 18.9 | 12.1% | 29.9% | — |
| Axis Bank Limited | ₹1,240 | ₹3.86 L cr | 12.6 | 14.3% | 21.5% | — |
| IDBI Bank Limited | ₹82 | ₹88,051 cr | 10.3 | 12.4% | 28.2% | — |
| The Federal Bank Limited | ₹333 | ₹82,124 cr | 16.3 | 12.6% | 16.5% | — |
| IndusInd Bank Limited | ₹958 | ₹74,656 cr | 18.0 | 6.3% | 9.2% | — |
| IDFC First Bank Limited | ₹86 | ₹74,371 cr | 16.2 | 9.7% | 10.4% | — |
| Yes Bank Limited | ₹23 | ₹72,598 cr | 17.0 | 8.4% | 13.3% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹12.5 / share | 12 Jun 2026 |
| Dividend | ₹11 / share | 1 Aug 2025 |
| Dividend | ₹10 / share | 20 Sep 2024 |
| Dividend | ₹5 / share | 29 Aug 2023 |
| Dividend | ₹5 / share | 24 Feb 2023 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.