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AI Stock Dissection
AI Stock Dissection
UTKARSHBNK
Mr. Govind Singh · Varanasi, India · 18,400 employees
₹14.45
▲+1.26%UTKARSHBNK is trading near its 52-week low after recent correction, potentially offering value in a regional banking sector facing headwinds.
Exchange
NSI
Currency
INR
Day range
₹14.23 – ₹14.51
52-week range
₹10.12 – ₹22.80
Sector
Financial Services
Industry
Banks - Regional
AI investment rating
AI analysis70% confidence
The stock appears undervalued relative to its 52-week range and may offer margin of safety for long-term investors, though near-term sectoral headwinds persist.
36.6% below the 1-year high · trend up
Hedge-fund memo
Today
Stock modestly up despite broader market volatility, potentially on value buying near support levels.
This week
Consolidating near 14-15 INR range, showing resilience despite sector weakness.
This month
Significant correction from 22.8 INR high, finding support around 14 INR level.
Bull thesis
Bear thesis
Hidden risks
News & sentiment
Bullish
1 headlines · 1 outlets · 7d
TradingView·23h ago·revenue breakdown reported
Real press coverage from the last 7 days, scored by AI for tone — click any headline for the source. This is news sentiment, not social: X / Reddit / Telegram scoring needs a paid social provider. Educational only.
Smart money
Named holders aren't published for this listing (common for Indian stocks). The split at left is live.
Financial health
Profitability
Growth
Balance sheet
Financial statements
Earnings intelligence
Beat estimates in 0 of 3 recent quarters (EPS actual vs. consensus).
-2.46 vs -2
-23.00% surprise
-3.16 vs -2.8
-12.86% surprise
-2.17 vs -0.5
-334.00% surprise
Competitive landscape
| Company | Market cap | P/E | ROE | Op. margin | Rev. growth |
|---|---|---|---|---|---|
| UTKARSHBNK | 25.46B | — | -40.03% | -94.49% | -48.60% |
| UJJIVANSFB | 136.85B | 15.36 | — | 31.97% | 49.60% |
| SBFC | 99.77B | 20.68 | — |
Technical intelligence
Volume
RSI (14) · 70 overbought / 30 oversold
MACD (12,26,9) · MACD vs signal
Candlesticks, volume, RSI and MACD from 499sessions of real Yahoo daily data. Moving averages use full history, so they're accurate at the left edge. Support / resistance are the 52-week low / high. Educational — technical signals are not buy or sell calls.
Risk intelligence
Asset quality deterioration in economically weaker regions
Mitigation: Diversification beyond Uttar Pradesh and Bihar
Interest rate compression affecting net interest margins
Mitigation: Focus on higher yielding retail products
Business intelligence
Competitive moat
Strong brand recognition and customer relationships in underserved markets of Uttar Pradesh and Bihar.
Supply chain
Upstream (inputs / suppliers)
↓
Downstream (customers / markets)
M&A / strategic moves
Catalyst calendar
Successful expansion into new markets
Improvement in asset quality metrics
Thesis builder
Bull case
Successful expansion beyond core geographies with improved asset quality metrics
Base case
Steady growth in loan book with stable margins, trading at attractive valuation
Bear case
Deteriorating asset quality due to economic slowdown in service areas
Time horizon
12-18 months
Est. CAGR
15-20%
Entry (qual.)
Current levels or below 13 INR offer favorable risk-reward
Exit (qual.)
Above 20 INR would represent full valuation recovery
Overall conviction 70%
Knowledge graph
Executives & sector are live; peers are clickable → their dissection. Institutional holders shown where the exchange publishes them.
Portfolio impact
Enter tickers + weights, then see how UTKARSHBNK fits.
Scenario simulator
Simulate a macro shock and see the illustrative impact:
Tailwind for tech & enablers.
Illustrative impact
Medium prob.Directional illustration only — not modelled on this company's actuals. A real simulator needs company financials.
Explain like…
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Sensai publishes educational market commentary, not investment advice. We are not SEBI-registered investment advisers or research analysts, and nothing here is a recommendation to buy, sell, or hold any security.
Live prices, index levels, and other market data are pulled from third-party feeds, may be delayed, and can be inaccurate or unavailable. Do not rely on them for trading decisions.
Investing in equities carries risk, including the loss of principal. Always do your own research and consider consulting a SEBI-registered adviser before making any investment decision.
Hidden opportunities
Watch next
Accumulate at current levels for long-term exposure to India's underserved banking segment.
Annual income statement, oldest → newest. Live via Yahoo.
| 58.55% |
| 24.60% |
| EQUITASBNK | 83.02B | 16.27 | — | 31.50% | 19.20% |
Peers via Yahoo's similarity graph, same-sector first; fundamentals live. Ask the AI copilot below for a qualitative head-to-head.
Support (day/52w low)
₹14.23
Resistance (day/52w high)
₹14.51
Volume
26,21,123
Trend
up
RSI (14)
55
MACD
bearish
MA cross
death
50-day MA
₹14.04
200-day MA
₹14.39
vs 200-DMA
0.4%
RSI/MACD computed from 6 months of daily closes; moving averages from Yahoo. Options positioning still needs an options feed.