Jana Small Finance Bank Limited (JSFB.NS)
ValueMarkers Composite Index
46% below intrinsic value ($264)
Jana Small Finance Bank Limited (JSFB.NS) — VMCI valuation read
Jana Small Finance Bank Limited (JSFB.NS) carries a VMCI composite of 41/100, 9 points below the Financial Services sector median of 50. Among mid-cap names, that gap places JSFB.NS in the bottom third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The JSFB.NS insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.
**Investor frame.** Value reads JSFB.NS trades at 18.0x earnings, 0% above the Financial Services median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Financial Services 12.0x. Quality: ROIC of 10.0% sits 0.0pp above the Financial Services median (10.0%). Risk: net debt to EBITDA of 0.5x leaves covenant headroom, the line to track on Jana Small Finance Bank Limited's next 10-Q.
JSFB.NS fell 0.6% over the trailing 7 days, with a -18.5% read on a 30-day basis.
Jana Small Finance Bank Limited provides various banking products and services to individuals and enterprises in India. It operates through Treasury, Retail Banking, Corporate/Wholesale Banking, and Other Banking Operations segments. The company offers current and savings accounts; fixed, recurring, and other deposits; and loans, such as two-wheeler, group, business, gold, home improvement, agri group and individual, and home loans, as well as consumer education on loan overdue concepts. It also offers life, general, and health insurance products; cards; and investment and payment services, as well as mobile, internet, and corporate internet banking services. The company was formerly known as Janalakshmi Financial Services Limited and changed its name to Jana Small Finance Bank Limited in March 2018. The company was founded in 1999 and is based in Bengaluru, India.
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