What is Tamilnad Mercantile Bank Limited's (TMB.NS) StockRank?

MoatMap's StockRank for Tamilnad Mercantile Bank Limited (TMB.NS) is 86/100, with a Strong Buy signal. This is a composite score combining Quality (53), Value (46), and Momentum (85) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Tamilnad Mercantile Bank Limited have an economic moat?

Tamilnad Mercantile Bank Limited (TMB.NS) has a Quality factor score of 53/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Tamilnad Mercantile Bank Limited a buy, hold, or sell?

MoatMap's current signal for Tamilnad Mercantile Bank Limited (TMB.NS) is Strong Buy, based on a StockRank of 86/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Tamilnad Mercantile Bank Limited in?

Tamilnad Mercantile Bank Limited (TMB.NS) operates in the Financial Services sector, specifically the Banks - Regional industry (India).

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TMB.NS

Strong BuyPremium GrowerFLAG

Tamilnad Mercantile Bank Limited · Financial Services · India · $1.5B · Avg Vol: $2M/d

StockRank

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P/E (TTM)

10.1x

ROE

14.5%

D/E

0.1x

Dividend %

1.4%

AI CONVICTION THESIS

Insufficient evidence for a screen-pass. Tamilnad Mercantile Bank Limited: fails the quant gate on value (Q53/V46/M85; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.

COMPANY DESCRIPTION

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.

FINANCIAL SUMMARY (INR)

Year	2023	2024	2025	2026	CAGR	TTM
Revenue	27.2B	28.0B	31.5B	34.0B	7.7%	35.2B
EPS (INR)	68.06	67.70	74.68	84.47	7.5%	91.62
Shares	158.4M	158.4M	158.4M	158.4M	0.0%	158.4M
Debt	5.3B	5.0B	5.0B	7.0B	10.1%	15.5B
Equity	69.3B	79.2B	90.1B	101.1B	13.4%	—
Op CF	-12.7B	-6.1B	19.0B	-1.0B	—	-1.0B
Inv CF	-886.0M	-1.0B	-992.1M	-1.2B	—	—
Fin CF	10.9B	7.0B	-9.6B	258.1M	—	—

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PRICE (1Y)+7.0%

SMA 50SMA 200

$9.53

RSI (14)

58.6

52W High

$9.94

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

2.0%*55.6

ROE

14.5%71.5

GP/Assets

4.7%N/A

Op. Margin

58.7%77.2

FCF/Assets

-0.3%N/A

Piotroski

28.9

Int. Cover

—50.0

D/E Ratio

0.07xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

10.1x67.5

EV/EBITDA

bankN/A

P/FCF

bankN/A

P/B

1.4x39.2

P/S

4.2x42.4

Div Yield

1.4%14.9

Momentum

52W High %

96%78.8

RS 6M

50%96.9

SMA 50/200

1.25x96.2

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

35%65.1

FUNDAMENTALS

Market Cap

$1.5B

P/E (Forward)

—

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TMB.NS are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
TMB.NS	Tamilnad Mercantile Bank Limited(you)	$1.5B	86	Strong Buy
KTKBANK.NS	The Karnataka Bank Limited	$1.3B	85	Strong Buy
SOUTHBANK.NS	The South Indian Bank Limited	$1.3B	81	Strong Buy
DCBBANK.NS	DCB Bank Limited	$780M	88	Strong Buy
J&KBANK.NS	Jammu and Kashmir Bank Limited	$1.7B	66	Buy
UJJIVANSFB.NS	Ujjivan Small Finance Bank Limited	$1.3B	62	Hold
KARURVYSYA.NS	The Karur Vysya Bank Limited	$3.5B	69	Buy
MAHABANK.NS	Bank of Maharashtra	$6.9B	79	Buy
CENTRALBK.NS	Central Bank of India	$3.0B	57	Hold
BANKINDIA.NS	Bank of India	$6.8B	71	Buy

Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%

Tamilnad Mercantile Bank Limited (TMB.NS): Stock Score Summary

Tamilnad Mercantile Bank Limited (TMB.NS) has a MoatMap StockRank of 86/100 based on Quality (53/100), Value (46/100), and Momentum (85/100) factor scores. The current signal is STRONG BUY. Insufficient evidence for a screen-pass. Tamilnad Mercantile Bank Limited: fails the quant gate on value (Q53/V46/M85; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.

Key Financial Metrics

Price	$9.53
Market Cap	$1.5B
P/E (TTM)	10.11
Price/Book	1.44
Return on Equity	14.5%
Debt/Equity	0.07x
Operating Margin	58.7%
Revenue Growth	18.3%
Dividend Yield	1.4%
Free Cash Flow	$-24M

Tamilnad Mercantile Bank Limited operates in the Banks - Regional industry, part of the Financial Services sector (India).

Frequently Asked Questions

What is Tamilnad Mercantile Bank Limited’s (TMB.NS) StockRank?: MoatMap’s StockRank for Tamilnad Mercantile Bank Limited (TMB.NS) is 86/100, with a Strong Buy signal. It is a composite of Quality (53), Value (46), and Momentum (85) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Tamilnad Mercantile Bank Limited have an economic moat?: Tamilnad Mercantile Bank Limited (TMB.NS) has a Quality factor score of 53/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Tamilnad Mercantile Bank Limited a buy, hold, or sell?: MoatMap’s current signal for Tamilnad Mercantile Bank Limited (TMB.NS) is Strong Buy, based on a StockRank of 86/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Tamilnad Mercantile Bank Limited in?: Tamilnad Mercantile Bank Limited (TMB.NS) operates in the Financial Services sector, specifically the Banks - Regional industry (India).