The Federal Bank Limited
Quality (77/100) does the heavy lifting; valuation (50/100) is the drag.
Buy zoneOur blended model reads The Federal Bank Limited as a Buy at 63/100. On 18.6x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 13% below its 52-week high of ₹370.43 and 70% above the low of ₹189.43. Financial health scores 75/100, with a Piotroski F-score of 4/9. The average analyst target of ₹317.24 implies about 1% downside across 34 analysts. It clears 6 of 11 investability checks, with durability 77, valuation 63 and momentum 60 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹236.67.
Analyst views
1-year price
EOD · 2026-09-2552-week range
-13.08% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy63Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 11.7%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 12%
- Pass: Earnings growing: 22%
- Pass: Net margin ≥ 10%: 29.9%
- No data: Current ratio > 1.5
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Fail: Above 50-day average
- Pass: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Annual financials
Shareholding
- Promoter9.7%
- Institutions57.4%
- Public & other32.9%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (29.9%).
- Up 67% over the past year.
Opportunities
- Earnings growing (22% YoY).
- Revenue growing (12% YoY).
- Trading in our value buy zone versus sector peers.
About The Federal Bank Limited
Federal Bank Limited operates as a banking and financial services provider in India across four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The bank offers deposit products including savings accounts, current accounts, demat accounts, salary accounts, fixed deposits, cash certificates, recurring deposits, exchange earners' foreign currency accounts, gilt accounts, and resident foreign currency accounts.
The Federal Bank Limited — frequently asked questions
Is The Federal Bank Limited a buy, hold or sell?
StocksWizard currently rates The Federal Bank Limited (FEDERALBNK) a Buy, based on a blended score of 63/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is The Federal Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates The Federal Bank Limited's fair value at about ₹295.84, versus a current price of ₹322 — roughly 8% downside. On that basis the stock looks fairly valued.
Is The Federal Bank Limited financially healthy?
The Federal Bank Limited scores 75/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has The Federal Bank Limited's share price performed?
The Federal Bank Limited is up 67% over the past year and down 2% over three months, and last traded at ₹322. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.