Indian Bank
Valuation (94/100) does the heavy lifting; financial trend (40/100) is the drag.
Buy zoneIndian Bank earns a Buy from StocksWizard, with a blended score of 70/100. On 9.7x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 14% below its 52-week high of ₹970.87 and 38% above the low of ₹608.24. Financial health scores 77/100, with a Piotroski F-score of 4/9. The average analyst target of ₹996.69 implies about 19% upside across 13 analysts. It clears 7 of 10 investability checks, with durability 78, valuation 87 and momentum 50 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 ₹1,101.62.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-13.84% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy70Piotroski 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
- Pass: ROE above 15%: 15.4%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: 2%
- Pass: Earnings growing: 6%
- Pass: Net margin ≥ 10%: 34.2%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Annual financials
Shareholding
- Promoter75.9%
- Institutions17.0%
- Public & other7.0%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (34.2%).
Opportunities
- Trading in our value buy zone versus sector peers.
- Trades ~65% below our estimated fair value.
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
About Indian Bank
Indian Bank provides deposit products including savings and current accounts, term deposits, and NRI accounts. It offers various loan categories spanning agriculture, MSME, corporate, and retail segments, along with online banking, home mortgages, vehicle financing, educational loans, jewel loans, supply chain finance, and loans against deposits and securities.
Indian Bank — frequently asked questions
Is Indian Bank a buy, hold or sell?
StocksWizard currently rates Indian Bank (INDIANB) a Buy, based on a blended score of 70/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Indian Bank's fair value?
Our blended DCF and relative-valuation model estimates Indian Bank's fair value at about ₹1,377.02, versus a current price of ₹836.5 — roughly 65% upside. On that basis the stock looks undervalued by 65%.
Is Indian Bank financially healthy?
Indian Bank scores 77/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has Indian Bank's share price performed?
Indian Bank is up 1% over three months, and last traded at ₹836.5. 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.