BSE:534690

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Lakshmi Vilas Bank

Executive Summary

The Lakshmi Vilas Bank Limited provides various banking products and services in India. More Details


Snowflake Analysis

Adequate balance sheet and overvalued.

Share Price & News

How has Lakshmi Vilas Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 534690's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-6.6%

534690

-2.4%

IN Banks

-1.6%

IN Market


1 Year Return

-4.6%

534690

-26.3%

IN Banks

-2.2%

IN Market

Return vs Industry: 534690 exceeded the Indian Banks industry which returned -26.3% over the past year.

Return vs Market: 534690 underperformed the Indian Market which returned -2.2% over the past year.


Shareholder returns

534690IndustryMarket
7 Day-6.6%-2.4%-1.6%
30 Day-18.7%9.7%1.7%
90 Day-21.8%7.9%6.2%
1 Year-4.6%-4.6%-26.3%-26.3%-0.4%-2.2%
3 Year-89.6%-90.4%-41.3%-41.9%-4.4%-9.0%
5 Year-79.5%-81.8%-11.7%-13.6%40.4%29.8%

Price Volatility Vs. Market

How volatile is Lakshmi Vilas Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

2 years ago | Simply Wall St

May Top Growth Stocks To Buy

Valuation

Is Lakshmi Vilas Bank undervalued compared to its fair value and its price relative to the market?

0.42x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 534690's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 534690's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 534690 is unprofitable, so we can't compare its PE Ratio to the IN Banks industry average.

PE vs Market: 534690 is unprofitable, so we can't compare its PE Ratio to the Indian market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 534690's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 534690 is good value based on its PB Ratio (0.4x) compared to the IN Banks industry average (0.6x).


Next Steps

Future Growth

How is Lakshmi Vilas Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

20.9%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Lakshmi Vilas Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Lakshmi Vilas Bank performed over the past 5 years?

-60.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 534690 is currently unprofitable.

Growing Profit Margin: 534690 is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: 534690 is unprofitable, and losses have increased over the past 5 years at a rate of 60% per year.

Accelerating Growth: Unable to compare 534690's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: 534690 is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (4.6%).


Return on Equity

High ROE: 534690 has a negative Return on Equity (-57.82%), as it is currently unprofitable.


Next Steps

Financial Health

How is Lakshmi Vilas Bank's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 534690's Assets to Equity ratio (19.9x) is moderate.

Allowance for Bad Loans: Insufficient data to determine if 534690 has a sufficient allowance for bad loans.

Low Risk Liabilities: 92% of 534690's liabilities are made up of primarily low risk sources of funding.

Loan Level: 534690 has an appropriate level of Loans to Assets ratio (57%).

Low Risk Deposits: 534690's Loans to Deposits ratio (64%) is appropriate.

Level of Bad Loans: 534690 has a high level of bad loans (30.6%).


Next Steps

Dividend

What is Lakshmi Vilas Bank current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 534690's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 534690's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 534690's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 534690's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: 534690 is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 534690's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

0.3yrs

Average management tenure


CEO

Lakshmi Vilas Bank has no CEO, or we have no data on them.


Leadership Team

NamePositionTenureCompensationOwnership
R. M. Sundaram
President & COO0.75yr₹3.77mno data
M. Manikandan
Senior VP & CTO1.75yrs₹3.82mno data
G. Kumar
Senior VP & Head of Lawno data₹3.92m0.00042%
₹ 22.9k
N. Nachiappan
Chief Compliance Officer0.25yr₹4.37mno data
Padmanabhan Premkumar
Senior VP & Head of Branch Banking0.25yr₹4.07m0.00028%
₹ 15.3k
N. Ramanathan
Company Secretary & Compliance Officerno data₹3.33mno data
R. Gurumurthy
Senior VP & Head of Treasuryno data₹4.49m0.0019%
₹ 104.9k
Hariharan K
Chief Financial Officer0.25yrno datano data
S. Ramesh
Head of Administration & VPno datano datano data
Murli Khemka
Senior Vice President of Strategy0.25yrno datano data
R. Raman
Head of Integrated Treasury and General Managerno datano datano data
S. Nandakumar
Head of Current Account & VPno datano datano data

0.3yrs

Average Tenure

57.5yo

Average Age

Experienced Management: 534690's management team is not considered experienced ( 0.3 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Shakti Sinha
Additional Non-Executive Independent Director0.83yr₹385.00kno data
Gunneswaran Gupta
Non Independent & Non-Executive Director3yrs₹1.54m0.00075%
₹ 41.0k
Satish Kalra
Additional Non-Executive Independent Director0.83yr₹420.00kno data
Meeta Makhan
Additional Non-Executive Independent Director0.75yr₹175.00kno data
Rajnish Kumar
RBI Additional Director3.42yrsno datano data
Sundaram Shankar
RBI Additional Director0.83yrno datano data

0.8yrs

Average Tenure

62yo

Average Age

Experienced Board: 534690's board of directors are not considered experienced ( 0.8 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 5%.


Top Shareholders

Company Information

The Lakshmi Vilas Bank Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: The Lakshmi Vilas Bank Limited
  • Ticker: 534690
  • Exchange: BSE
  • Founded: 1926
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: ₹5.462b
  • Shares outstanding: 353.51m
  • Website: https://www.lvbank.com

Number of Employees


Location

  • The Lakshmi Vilas Bank Limited
  • LVB House
  • No. 4, Sardar Patel Road
  • Chennai
  • Tamil Nadu
  • 600032
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
LAKSHVILASNSEI (National Stock Exchange of India)YesEquity SharesININRJun 2000
534690BSE (Mumbai Stock Exchange)YesEquity SharesININRJun 2000

Biography

The Lakshmi Vilas Bank Limited provides various banking products and services in India. It operates through Treasury, Corporate and Wholesale Banking, Retail Banking, and Other Banking Operations segments. ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/31 12:46
End of Day Share Price2020/10/30 00:00
Earnings2020/06/30
Annual Earnings2020/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.