For me , as a long term investor…It is like there are several boats available ( at varying price points) and you chose one in your wisdom and convenience.. you got on to it and your boatsman ( who can choose his own path) take you through the ride, So , sit on the boat in good faith.. Ups and downs are part of the process,… too much analysis and comparisons sometimes distracts your mind from enjoying the ride ,sometimes even through the rough patches.. keep sailing…if the boatsman abandons the boat midway without suitable process .. use the life jacket and swim to nearest available boat.. please treat this post in a lighter vein…
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Now fear is opportunity lost. Many banks have given good returns in last five years.
Second concern is it’s number of shares size which is increasing a very fast pase. Lot of esops to employees and equity dilution.
I think even after some year however bank seems good eventhough uptrend in share price will very difficult .
Some one says that everyone benefited by bank depositor for better intrest and loan taker for easily approval except shareholder.
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He is the master of goal setting 
. In Q3 2024, he stated that pain would be in Q1 2026 
, but now he is suggesting that meaningful recovery will only occur in Q4 2026 .
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As of date this bank’s results should be seen on a QoQ basis rather than YoY as the bank is in a recovery phase.
RoA: .53% from .36%(q425)
RoE: 4.9% from 3.3%(q425)
OP: 2239 cr. from 1811 cr.(Q425)
Npa and Gnpa both stable
Last year september quarter eps base had become very small just .28 which shows from jul-sep 26 quarter the yoy EPS growth will be almost 100% or above(considering eps of .62 same as june 26 quartet) due to smaller base.
In my opinion this is the right time to buy this stock or stay invested
P.s. i am invested at the level of 73 since August 24
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Although it does not make any personal difference to me as I will stay invested for at least 3 years more even if price goes further down. But I do feel concerned for those when I see some people getting jittery. In my opinion it is just the wrong time to divest. But then people should go by their own research and assessment. So far the bank has not made any serious mistake and taken plenty of good decisions. Bank has faced systemic issues on which they had little control except to take sensible steps to solve those issues.
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As the Loan Book grows, Bank will have to increase Provision to keep PCR healthy, currently at 72.3
Loan book grew by 21% YoY
PPOP grew by 19% YoY
more importantly it grew 23% QoQ, shows a turnaround of sorts.
Provisioning also significantly up 67% completely destroying a good quarter. Due to MFI mainly. But that seems to be finished mostly due to SMA looking good.
All we need is a one good year, without MFI, and we can expect a 2x
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Don’t know how stock will react in a day or a week, but for sure everything bad is already factored in, the stock should do well in coming months.
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