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Karnataka-based old private sector bank offering retail, SME and corporate banking mainly in South India.
Karnataka-based old private sector bank offering retail, SME and corporate banking mainly in South India.
Earns mostly from the spread between interest on loans and what it pays on deposits, with small-business and gold-backed loans important and fees from payments and insurance distribution adding income. Shares are widely held, with no promoter group in control.
In one line: A regional South Indian bank.
Moat: narrow (distribution, scale). Established branch network and customer base in Karnataka built over a century.
Headquarters: Mangalore, India · Founded: 1924 · Employees: 9,047
Size Karnataka Bank (KTKBANK.NS) is an India Financials company (Regional Banks) with a market value of $1.28B, the 528th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹318.90 on 6 Nov 2026.
Performance Over six months the shares gained 19.5%, against +8.3% for the median peer and 0.0% for the India market (cap-weighted) — 3rd highest of 21 in its peer set.
Growth Revenue grew 3.3% over the last twelve months (peer median +10.1%); the operating margin is 41.2% (peer median 34.5%).
Valuation It trades at 0.87× book value against a peer median of 1.21× (8th cheapest of 21).
Price implies The share price implies a return on equity of about 12.6%; Karnataka Bank delivers 11.7%, so the price asks more than the business earns today.
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹107B | ₹103B | ₹103B | ₹95.1B | ₹84.0B |
| Revenue growth | — | +1% | +8% | +13% | — |
| Net income | ₹15.5B | ₹13.1B | ₹12.7B | ₹13.1B | ₹11.8B |
| Free cash flow | n/a | ₹3.40B | ₹9.54B | -₹20.2B | ₹33.1B |
| Capital expenditure | n/a | ₹889M | ₹1.63B | ₹1.12B | ₹888M |
| Total debt | ₹54.6B | ₹53.4B | ₹19.6B | ₹44.5B | ₹15.7B |
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.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Karnataka Bank KTKBANK.NS | $1.28B | +20% | +3% | 12% | 0.87× | 12.6% |
| Karur Vysya Bank KARURVYSYA.NS | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% |
| City Union Bank CUB.NS | $2.31B | +8% | +22% | 14% | 1.94× | 29.8% |
| Federal Bank Ltd. (India) FEDERALBNK.NS | $8.81B | +14% | +11% | 13% | 1.97× | 27.7% |
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 | KTKBANK.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -2.3% | -1.0% | 11th highest of 21 |
| 6-month return | +19.5% | +8.3% | 3rd highest of 21 |
| Return on equity | 11.7% | 11.5% | 11th highest of 21 |
| Price / book | 0.87× | 1.21× | 8th cheapest of 21 |
| Trailing P/E | 7.8× | 11.4× | 3rd cheapest of 21 |
| ROE the price implies | 12.6% | 9.2% | 3rd most demanding of 21 |
| ROE delivered | 11.7% | 11.4% | 11th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Karnataka Bank KTKBANK.NS | India | $1.28B | +20% | +3% | 12% | 0.87× | 12.6% | 11.7% |
| Community Trust Bancorp CTBI | United States | $1.26B | +4% | +8% | 13% | 1.43× | 9.8% | 12.9% |
| Zhongyuan Bank 1216.HK | Hong Kong | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% | 3.6% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | India | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% | 16.6% |
| SJF Bank A/S SJF.CO | Denmark | $1.22B | +60% | -2% | 12% | 1.71× | 6.1% | 12.0% |
| Preferred Bank PFBC | United States | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% | 16.9% |
| HBT Financial HBT | United States | $1.35B | +30% | +23% | 13% | 1.78× | 10.1% | 13.2% |
| First Mid Bancshares FMBH | United States | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% | 10.9% |
| Oita Bank 8392.T | Japan | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% | 4.7% |
| Westamerica Bancorporation WABC | United States | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% | 12.9% |
| Tamilnad Mercantile Bank TMB.NS | India | $1.39B | +11% | +18% | 16% | 1.22× | 14.6% | 15.6% |
| Peoples Bancorp PEBO | United States | $1.39B | +12% | 0% | 10% | 1.13× | 8.5% | 10.0% |
| Jiangsu Zijin Rural Commercial Bank 601860.SS | China | $1.39B | -6% | -9% | 6% | 0.43× | 2.9% | 5.7% |
| Metropolitan Bank MCB | United States | $1.17B | +5% | +12% | 13% | 1.20× | 11.3% | 13.1% |
| Miyazaki Bank 8393.T | Japan | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% | 7.0% |
| Burke Herbert Financial Services BHRB | United States | $1.41B | +10% | +14% | 10% | 1.23× | 7.1% | 10.5% |
| Heritage Financial HFWA | United States | $1.15B | +3% | +22% | 8% | 1.06× | 7.8% | 7.8% |
| Tompkins Financial TMP | United States | $1.43B | +16% | -15% | 21% | 1.52× | 11.5% | 20.9% |
| Jammu & Kashmir Bank J&KBANK.NS | India | $1.44B | -12% | +6% | 15% | 0.77× | 12.1% | 14.5% |
| TOMONY 8600.T | Japan | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% | 5.9% |
| CCI 7381.T | Japan | $1.44B | +7% | +49% | 7% | 0.83× | 4.1% | 7.1% |