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TAMI.NS — NSE (India) Banks

Tamilnad Mercantile Bank Ltd

$684,25
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LatestTamilnad Mercantile Bank Q1 profit surges 35% on retail and agri loan growth
Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
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P/E
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EV / Rev
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Div yield
1,49 %
Op margin
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ROE
13,2 %
Net margin
52,9 %
Debt / equity
0,07
Beta
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52w range
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Volume
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Day range
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Prev close
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Open
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Next earnings
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Ex-dividend
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TR 1Y
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About

Tamilnad Mercantile Bank Ltd maintains a conservative capital structure, with a debt-to-equity ratio of 0.07, indicating a low reliance on debt financing. The bank's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt, suggesting potential short-term liquidity constraints. In terms of profitability, the bank's return on equity (ROE) of 13.23% is strong, outperforming the typical median for banks. However, its return on assets (ROA) of 1.78% is relatively modest, indicating that the bank is not generating high returns relative to its asset base. The bank's revenue is concentrated within its domestic operations, with no disclosed international segments. This geographic concentration may expose the bank to regional economic fluctuations, particularly in India. The bank's revenue is derived from a mix of interest income and fee-based services, though specific segment details are not provided in the available data. Looking ahead, the bank is expected to maintain a stable growth trajectory, with no significant changes in revenue or earnings projected for the next fiscal year. Historical revenue trends show consistent performance, th

Business. Tamilnad Mercantile Bank Ltd (TAMI.NS) is an Indian banking institution that operates within the Financials sector, specifically providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard industry practices for banks. Headquartered in India, the bank is listed on the National Stock Exchange of India. Specific details regarding operating segments or geographic revenue breakdowns are not available.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
Generated · model-assisted
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
Upcoming events
— missing data
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At a glance

Score
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not yet scored
Valuation
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valuation pending
Analysts
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not yet wired
Ownership
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not yet wired
Profitability→
13,2 %
return on equity
Quality
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not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

1
  • MARKETSTamilnad Mercantile Bank Q1 profit surges 35% on retail and agri loan growth2026-07-27

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to TAMI.NS. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · 2026-07-27

    Composite-score breakdown

    Synthesis

    Business

    Tamilnad Mercantile Bank Ltd (TAMI.NS) is an Indian banking institution that operates within the Financials sector, specifically providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard industry practices for banks. Headquartered in India, the bank is listed on the National Stock Exchange of India. Specific details regarding operating segments or geographic revenue breakdowns are not available.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryBanks
    AI synthesis
    GENERATED

    Tamilnad Mercantile Bank Ltd maintains a conservative capital structure, with a debt-to-equity ratio of 0.07, indicating a low reliance on debt financing. The bank's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt, suggesting potential short-term liquidity constraints.

    In terms of profitability, the bank's return on equity (ROE) of 13.23% is strong, outperforming the typical median for banks. However, its return on assets (ROA) of 1.78% is relatively modest, indicating that the bank is not generating high returns relative to its asset base.

    The bank's revenue is concentrated within its domestic operations, with no disclosed international segments. This geographic concentration may expose the bank to regional economic fluctuations, particularly in India. The bank's revenue is derived from a mix of interest income and fee-based services, though specific segment details are not provided in the available data.

    Looking ahead, the bank is expected to maintain a stable growth trajectory, with no significant changes in revenue or earnings projected for the next fiscal year. Historical revenue trends show consistent performance, though the bank's operating cash flow is currently negative, which may impact its ability to fund operations without external financing.

    The bank's risk profile is characterized by a low dilution potential, with no significant dilution expected in the near term. However, the negative operating cash flow and the presence of long-term debt may pose some credit risk. The bank has not disclosed any recent dilutive events, and its diluted shares outstanding remain unchanged from its basic shares.

    Recent filings and transcripts do not indicate any major strategic shifts or operational disruptions. The bank continues to operate within its traditional banking framework, with no significant new product launches or market expansions disclosed in the latest available documents.

    Key takeaways
    • Tamilnad Mercantile Bank Ltd has a strong return on equity (13.23%) but a modest return on assets (1.78%).
    • The bank maintains a low debt-to-equity ratio (0.07), indicating a conservative capital structure.
    • Revenue is concentrated in India, exposing the bank to regional economic risks.
    • The bank's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.
    • No significant dilution is expected in the near term, and the bank's shares outstanding remain unchanged.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $684,25
    Market cap
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    Enterprise valueⓘ
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    P/Eⓘ
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    Non-GAAP P/Eⓘ
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    EV / Revenueⓘ
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    EV / Op incomeⓘ
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    EV / OCFⓘ
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    P / Bⓘ
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    P / Tangible bookⓘ
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    Tangible book
    $101.10B
    Net cashⓘ
    -$7.00B
    Current ratioⓘ
    —
    Debt / equityⓘ
    0.1
    ROAⓘ
    1.8%
    ROEⓘ
    13.2%
    Cash conversionⓘ
    -8.0%
    CapEx / revenueⓘ
    -5.1%
    SBC / revenueⓘ
    —
    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    — missing data

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin52,9 %Above median
    ROE13,2 %Above P75
    Capex / Rev-5,1 %Below median
    D/E0,07Above median
    Cash Conv-0,08Bottom quartile

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Capex To Revenue
      capital_expenditure / revenue
    • Return On Equity
      net_income / total_equity
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    Source documents
    • Tamilnad Mercantile Bank Ltd Market data — financials · 2026-05-29

    Ownership & reference

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    TAMI.NSCanonical
    NSE (India) · USD

    Intel & risk

    peak dispatch · 2026-07-27
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    TAMIJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage