South Indian Bank [SOUTHBANK] vs Jana Small Finance [JSFB] Detailed Stock Comparison

South Indian Bank Ltd.

NSE
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Jana Small Finance Bank Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: South Indian Bank Ltd. wins in 11 metrics, Jana Small Finance Bank Ltd. wins in 6 metrics, with 0 ties. South Indian Bank Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric South Indian Bank Ltd. Jana Small Finance Bank Ltd. Better
P/E Ratio (TTM) 7.27 15.85 South Indian Bank Ltd.
Price-to-Book Ratio 0.92 1.14 South Indian Bank Ltd.
Debt-to-Equity Ratio 0.56 0.93 South Indian Bank Ltd.
PEG Ratio 0.47 -0.18 South Indian Bank Ltd.
Profit Margin (TTM) 27.93% 11.68% South Indian Bank Ltd.
Operating Margin (TTM) 39.20% 1.51% South Indian Bank Ltd.
EBITDA Margin (TTM) 39.20% 1.51% South Indian Bank Ltd.
Return on Equity 13.62% 12.18% South Indian Bank Ltd.
Return on Assets (TTM) 1.05% 1.30% Jana Small Finance Bank Ltd.
Free Cash Flow (TTM) $-25.11B $40.00B Jana Small Finance Bank Ltd.
Dividend Yield 2.37% N/A N/A
1-Year Return 54.71% -3.45% South Indian Bank Ltd.
Price-to-Sales Ratio (TTM) 2.03 1.85 Jana Small Finance Bank Ltd.
Enterprise Value $76.29B $62.39B South Indian Bank Ltd.
EV/Revenue Ratio 1.53 2.35 South Indian Bank Ltd.
Revenue per Share (TTM) $19 $253 Jana Small Finance Bank Ltd.
Earnings per Share (Diluted) $5.31 $29.48 Jana Small Finance Bank Ltd.
Beta (Stock Volatility) 0.19 0.18 Jana Small Finance Bank Ltd.

South Indian Bank Ltd. vs Jana Small Finance Bank Ltd. Stock Performance Analysis

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SOUTHBANK
JSFB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
South Indian Bank Ltd.0.56%7.15%20.83%27.29%17.62%23.70%
Jana Small Finance Bank Ltd.-0.61%1.04%-2.86%36.87%10.85%13.11%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
South Indian Bank Ltd.54.71%159.94%309.30%152.08%105.37%1,043.63%
Jana Small Finance Bank Ltd.-3.45%14.34%14.34%14.34%14.34%14.34%

Performance & Financial Health Analysis: South Indian Bank Ltd. vs Jana Small Finance Bank Ltd.

MetricSOUTHBANKJSFB
Market Information
Market Cap i₹101.12B₹49.39B
Market Cap CategoryMid capSmall cap
10 Day Avg. Volume i11,862,797851,992
90 Day Avg. Volume i15,574,561531,720
Last Close₹46.92₹476.80
52 Week Range₹28.11 - ₹48.55₹330.00 - ₹518.80
% from 52W High-3.36%-8.10%
All-Time High₹48.55 (Jun 15, 2026)₹760.90 (Jun 17, 2024)
% from All-Time High-3.36%-37.34%
Growth Metrics
Quarterly Revenue Growth0.03%0.08%
Quarterly Earnings Growth0.10%-0.91%
Financial Health
Profit Margin (TTM) i0.28%0.12%
Operating Margin (TTM) i0.39%0.02%
Return on Equity (TTM) i0.14%0.12%
Debt to Equity (MRQ) i0.560.93
Cash & Liquidity
Book Value per Share (MRQ)₹42.09₹409.98
Cash per Share (MRQ)₹33.22₹220.62
Operating Cash Flow (TTM) i₹24.10B₹4.66B
Levered Free Cash Flow (TTM) i₹13.03B₹5.01B
Dividends
Last 12-Month Dividend Yield i2.37%N/A
Last 12-Month Dividend i₹0.70N/A

Valuation & Enterprise Metrics Analysis: South Indian Bank Ltd. vs Jana Small Finance Bank Ltd.

MetricSOUTHBANK (Apr 26, 2026)JSFB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i7.2715.85
Forward P/E i6.367.37
PEG Ratio i0.47-0.18
Price to Sales (TTM) i2.031.85
Price to Book (MRQ) i0.921.14
Market Capitalization
Market Capitalization i₹101.12B₹49.39B
Enterprise Value i₹76.29B₹62.39B
Enterprise Value Metrics
Enterprise to Revenue i1.532.35
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.190.18
Book Value per Share (MRQ) i₹42.09₹409.98

Financial Statements Comparison: South Indian Bank Ltd. vs Jana Small Finance Bank Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSOUTHBANK (2025)JSFB (2025)
Revenue/Sales i53.03B30.50B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i17.57B4.74B
Pre-Tax Income % of Revenue i33.1%15.5%
Income Tax i4.54B-277.40M
Income Tax % of Revenue i8.6%-0.9%
Net Income (Profit) i13.03B5.01B
Profit Margin i24.6%16.4%

Balance Sheet & Liquidity Metrics

MetricSOUTHBANK (2025)JSFB (2025)
Cash & Equivalents i92.17B44.49B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i26.00B33.77B
Long-Term Debt % of Revenue i49.0%110.7%
Total Shareholders Equity i101.08B41.18B
Retained Earnings i9.16B-30.58B
Retained Earnings % of Revenue i17.3%-100.3%
Property, Plant & Equipment i18.16B1.50B

Cash Flow Statement Comparison

MetricSOUTHBANK (2025)JSFB (2025)
Operating Cash Flow i24.10B4.66B
Operating Cash Flow % of Revenue i45.4%15.3%
Capital Expenditures i-1.56B-724.50M
Free Cash Flow i-25.11B40.00B
FCF Margin i-47.4%131.1%
Debt Repayment iN/A-28.42B
Common Stock Repurchase iN/A0

Short Interest & Institutional Ownership Analysis

MetricSOUTHBANKJSFB
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i2.62B105.32M
Float Shares i2.49B58.59M
% Held by Insiders i4.91%55.67%
% Held by Institutions i25.19%12.34%
% Held by Public i69.90%31.99%

Dividend Analysis & Yield Comparison: South Indian Bank Ltd. vs Jana Small Finance Bank Ltd.

MetricSOUTHBANKJSFB
Last 12-Month Dividend i₹0.70N/A
Last 12-Month Dividend Yield i2.37%N/A
3-Year Avg Annual Dividend i₹0.33N/A
3-Year Avg Dividend Yield i1.24%N/A
3-Year Total Dividends i₹0.98N/A
Ex-Dividend DateAug 13, 2025N/A