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Employees: 26,246
Size Jana Small Finance Bank (JSFB.NS) is an India Financials company (Regional Banks) with a market value of $457M, the 878th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹407.20 on 6 Nov 2026.
Performance Over six months the shares fell 13.5%, against +19.8% for the median peer and 0.0% for the India market (cap-weighted) — 3rd lowest of 19 in its peer set.
Growth Revenue grew 17.8% over the last twelve months (peer median +2.6%); the operating margin is 11.9% (peer median 39.2%).
Valuation It trades at 0.88× book value against a peer median of 1.25× (5th cheapest of 21).
Price implies The share price implies a return on equity of about 15.2%; Jana Small Finance Bank delivers 10.3%, so the price asks more than the business earns today.
Next results Next results expected around 25 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹69.0B | ₹62.9B | ₹53.5B | ₹46.0B | ₹35.1B |
| Revenue growth | — | +18% | +16% | +31% | — |
| Net income | ₹4.75B | ₹3.26B | ₹5.01B | ₹6.70B | ₹2.56B |
| Free cash flow | n/a | ₹11.8B | ₹11.6B | ₹12.9B | ₹12.3B |
| Capital expenditure | n/a | ₹1.22B | ₹734M | ₹769M | ₹260M |
| Total debt | ₹52.5B | ₹167B | ₹121B | ₹111B | ₹99.9B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | JSFB.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -18.6% | +4.4% | lowest of 21 |
| 6-month return | -13.5% | +19.8% | 3rd lowest of 19 |
| Return on equity | 10.3% | 10.5% | 11th highest of 21 |
| Price / book | 0.88× | 1.25× | 5th cheapest of 21 |
| Trailing P/E | 9.1× | 10.9× | 2nd cheapest of 19 |
| ROE the price implies | 15.2% | 8.1% | most demanding of 21 |
| ROE delivered | 10.3% | 10.8% | 10th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Jana Small Finance Bank JSFB.NS | India | $457M | -13% | +18% | 10% | 0.88× | 15.2% | 10.3% |
| Pioneer Bancorp PBFS | United States | $456M | +26% | +18% | 4% | 1.38× | 8.6% | 4.0% |
| Bank of Marin Bancorp BMRC | United States | $462M | +9% | -19% | -3% | 1.22× | 10.2% | -2.9% |
| Commercial Bancgroup CBK | United States | $448M | +12% | -1% | 15% | 1.44× | 9.2% | 14.6% |
| Bank of Gansu 2139.HK | Hong Kong | $467M | -40% | -4% | 2% | 0.10× | 3.2% | 1.8% |
| Glarner Kantonalbank GLKBN.SW | Switzerland | $442M | +19% | -16% | 6% | 0.81× | 2.1% | 5.8% |
| Djurslands Bank A/S DJUR.CO | Denmark | $478M | +27% | +2% | 15% | 1.58× | 5.9% | 14.6% |
| Plumas Bancorp PLBC | United States | $435M | +20% | +24% | 17% | 1.65× | 10.7% | 16.6% |
| Home Bancorp HBCP | United States | $480M | -5% | +1% | 10% | 1.06× | 7.7% | 10.2% |
| RBB Bancorp RBB | United States | $433M | +7% | +4% | 8% | 0.81× | 8.8% | 8.4% |
| Private Bancorp of America PBAM | United States | $484M | n/a | +4% | 17% | 1.66× | 8.6% | 16.8% |
| Danske Andelskassers Bank A/S DAB.CO | Denmark | $484M | -8% | -7% | 8% | 1.10× | 4.8% | 7.7% |
| First Bank FRBA | United States | $488M | +30% | +1% | 10% | 1.06× | 7.8% | 9.6% |
| PCB Bancorp PCB | United States | $422M | +22% | +4% | 11% | 1.27× | 8.4% | 10.8% |
| Foroya Banki FOBANK.CO | Denmark | $422M | +20% | -12% | 14% | 1.44× | 5.6% | 13.6% |
| Farmers & Merchants Bancorp FMAO | United States | $500M | +31% | +7% | 11% | 1.29× | 10.3% | 11.3% |
| Citizens & Northern CZNC | United States | $501M | +29% | +25% | 11% | 1.46× | 8.5% | 11.0% |
| First Carolina Financial Services FCBM | United States | $415M | n/a | +28% | 4% | 0.96× | 6.5% | n/a |
| Chemung Financial CHMG | United States | $410M | +25% | +19% | 15% | 1.50× | 10.2% | 14.7% |
| Pareto Bank PARB.OL | Norway | $410M | -25% | -11% | 4% | 0.81× | 6.9% | 4.3% |
| Citizens Financial Services CZFS | United States | $408M | +33% | +4% | 13% | 1.16× | 7.6% | 12.7% |