Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
Bank of India. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
Bank of India's
is considered below, and whether this is a fair price.
Price based on past earnings
Bank of India's earnings available for a low price, and how does
this compare to other companies in the same industry?
Bank of India's earnings are expected to grow significantly at over 20% yearly.
Bank of India's revenue is expected to grow significantly at over 20% yearly.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Bank of India's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
Bank of India
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Shri. Dinabandhu Mohapatra has been the Chief Executive Officer, Managing Director and Director of Bank of India Limited since May 5, 2017. Previously, Shri. Mohapatra served as an Executive Director of Canara Bank Limited from January 22, 2016 to May 2017. He was overseeing International Operations, Overseas Credit, Strategic Planning &Development (including Economic Intelligence & BPR), Retail Resources, Marketing, Selling & Cross-selling, Government Business and Fee Income Vertical, Corporate Credit, PAG & Syndication, CDR & Stressed Accounts, Financial Management & Subsidiaries. He served as the General Manager of Bank of India Limited until January 2016. He joined Bank of India as a Direct Recruit Officer in the year 1984. During his career spanning over three decades, he has headed various Branches, Departments, Zones and National Banking Groups in Eastern, Western, Northern and Southern parts of the country. He carries his vast knowledge and multi-dimensional banking experience including Treasury Operations, International Banking, Priority Sector Lending, Corporate Lending, Marketing, Recovery, Human Resources, spanning over thirty three years. Shri. Mohapatra serves as Vice Chairman of Canbank Factors Ltd. He has been Director at Export-Import Bank of India since August 02, 2017. He served as Director on the Boards of Canara Bank’s Subsidiaries – CHOICe, Canbank Factors & Canbank Computer Services Limited. He earned a post-graduate in Economics and holding a degree in Law.
Insufficient data for Dinabandhu to compare compensation growth.
Dinabandhu's remuneration is lower than average for companies of similar size in India.
Management Team Tenure
Average tenure and age of the
Bank of India
management team in years:
The average tenure for the Bank of India management team is less than 2 years, this suggests a new team.
MD, CEO & Executive Director
Atanu Kumar Das
GM & CFO
Assistant General Manager
Company Secretary & Compliance Officer
General Manager of Marketing/CMO/Resource Mobilisation/Third party products
Chief Risk Officer & GM
Chief Vigilance Officer & GM
Board of Directors Tenure
Average tenure and age of the
Bank of India
board of directors in years:
The average tenure for the Bank of India board of directors is less than 3 years, this suggests a new board.
Why Bank of India Limited (NSE:BANKINDIA) Could Be A Buy
Bank of India Limited (NSE:BANKINDIA), operating in the financial services industry based in India,. … As a mid-cap stock with high coverage by analysts, you could assume any recent changes in the company’s outlook is already priced into the stock? … Let’s examine Bank of India’s valuation and outlook in more detail to determine if there’s still a bargain opportunity
Why These Fundamentals Make Bank of India Limited’s (NSE:BANKINDIA) More Attractive
As a small-cap finance stock with a market capitalisation of ₹152.51b, the risk and profitability of Bank of India Limited (NSE:BANKINDIA) are largely tied to the underlying economic growth of the region it operates in IN. … Since a bank profits from reinvesting its clients’ deposits in the form of loans, negative economic growth may lower deposit levels and demand for loan, adversely impacting its cash flow. … The Basel III reforms are aimed at banking regulations to improve financial institutions’ ability to absorb shocks caused by economic stress which could expose banks like Bank of India to vulnerabilities.
Does Bank of India Limited (NSE:BANKINDIA) Fall With The Market?
A market capitalisation of ₹192.08B puts BANKINDIA in the basket of established companies, which is not a guarantee of low relative risk, though they do tend to experience a lower level of relative risk compared to smaller entities. … An asset-heavy company tends to have a higher beta because the risk associated with running fixed assets during a downturn is highly expensive. … As a result, the company may be less volatile relative to broad market movements, compared to a company of similar size but higher proportion of fixed assets.
Should You Buy Bank of India Limited (NSE:BANKINDIA) Now?
Bank of India Limited (NSEI:BANKINDIA), operating in the financial services industry based in India, saw a double-digit share price rise of over 10% in the past couple of months on the NSEI. … The stock’s ratio of 0.35x is currently trading slightly below its industry peers’ ratio of 1.06x, which means if you buy Bank of India today, you’d be paying a relatively fair price for it. … And if you believe Bank of India should be trading in this range, then there isn’t much room for the share price grow beyond what it’s currently trading.
Should You Be Concerned About Bank of India Limited’s (NSE:BANKINDIA) Liquidity?
This means the bank exhibits very strong leverage management and is well-positioned to repay its debtors in the case of any adverse events since it has an appropriately high level of equity relative to the debt it has taken on to remain in business. … Relative to the prudent industry loan to deposit level of 90%, Bank of India’s ratio of over 67.91% is markedly lower, which means the bank is lending out less than its total level of deposits and places the bank in a relatively safe liquidity position given it has not excessively lent out its deposits and has maintained a suitable level for compliance. … Given the large headroom for growth in loans, the bank has opportunity to grow its interest income.Next Steps: Bank of India passes all of our liquidity and leverage checks which shows it is prudent in managing those factors.
Was Bank of India Limited's (NSE:BANKINDIA) Earnings Growth Better Than The Industry's?
For Bank of India, its most recent trailing-twelve-month earnings is -₹14.70B, which, relative to the previous year's level, has become less negative. … NSEI:BANKINDIA Income Statement Mar 9th 18 We can further examine Bank of India's loss by looking at what the industry has been experiencing over the past few years. … Each year, for the past half a decade Bank of India has seen an annual decline in revenue of -8.93%, on average.
Bank of India Limited's (NSE:BANKINDIA) Path To Profitability
View our latest analysis for Bank of India BANKINDIA is bordering on breakeven, according to analysts. … How fast will BANKINDIA have to grow each year in order to reach the breakeven point by 2015? … Working backwards from analyst estimates, it turns out that they expect the company to grow 69.79% year-on-year, on average, which is rather optimistic!
What Is Bank of India Limited's (NSE:BANKINDIA) Share Price Doing?
Bank of India Limited (NSEI:BANKINDIA), operating in the financial services industry based in India, saw a significant share price rise of over 20% in the past couple of months on the NSEI. … The stock’s ratio of 0.54x is currently trading slightly below its industry peers’ ratio of 1.27x, which means if you buy Bank of India today, you’d be paying a relatively reasonable price for it. … Bank of India’s optimistic future growth appears to have been factored into the current share price, with shares trading around its fair value.
Bank of India Limited provides various banking products and services. It operates through Treasury Operations, Wholesale Banking, and Retail Banking segments. The company accepts various deposit products, such as savings, current, salary, term, and tax saving deposits. It also offers home, education, vidya, vehicle, personal, pensioner, holiday, top-up, and demand/term loans, as well as loan for Pradhan Mantri Awas Yojana and against property; housing loans to NRIs/PIOs; overdraft against securities; loans against FCNR deposits; and loans for corporate and MSME customers. In addition, the company provides cash management services; trade finance; project finance and syndication services; online share trading services; insurance products and services; mutual fund products; portfolio management services; credit, debit, and prepaid cards; and remittance, online banking and payment, online income tax return, and ATM and other kiosk services, as well as cards, loans, and services to rural customers. As of March 31, 2018, it operated 5,127 branches in India; and 29 branches and 30 representative offices internationally. The company was founded in 1906 and is headquartered in Mumbai, India.
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