Last Updated2026-06-02

Market View

₹268.7(▲0.39%)

Reporting PeriodQ4 FY26

CAPITALSFBCapital Small Finance Bank Limited Forensic Risk Analysis

Name: Capital Small Finance Bank Limited Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Other Bank

Risk ClassStable

Market Cap₹1,012 Cr

Primary DriverEarnings Quality

Flagium AI Risk Score

10 / 100

+5 QoQ

Early Deterioration

Sentinel Insight

Asset quality remains stable for now. Weakness is detected in core profitability and credit costs. No immediate concerns are visible. Risk is increasing at a faster pace.

0.0th %ile (Sector)Accel: +2 Qtrs

Updated2026-06-02

Market View

₹268.7▲0.39%

PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Earnings Quality

+15.0 pts

Stability Adjustment

-5.0 pts

Final Composite Risk10 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 10 over 12 quarters.

Expected Direction

⚠ Watch

Primary Deterioration Drivers

NIM Compression

What to Watch Next Quarter

Operating profit margins

Active Risk Objects (1)

CriticalHigh

NIM Compression

📊 Earnings QualityQuarterlyActive for 3 Qtrs

More Detail

Impact Weight10/15

MomentumPersistent

Last SignalQ4 FY2026

CAPITALSFB: NIM compressed by 433 bps YoY (to 3.98%). [Growth Adjusted: 20%]

"NIM is under severe pressure due to rising cost of funds or falling asset yields."

Risk Trajectory

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Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	1.82	19.17	✅ RESILIENT
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+56.0	+40.0	✅ RESILIENT

Forensic Benchmark Context: Other Bank (n=9 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

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Share Price

Risk Score (0-100)

Market Performance

₹268.7(+0.39%)

1M Divergence-3.22%

1 Week-4.7%

1 Month-3.88%

6 Months-0.78%

1 Year-8.08%

2 Year-17.08%

3 Year-28.72%

Sector Average (1M)-0.66%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in earnings quality remain well-maintained against forensic benchmarks. Systematic scans of operational margins and profitability metrics confirm the absence of material structural stress. Strategic vigilance is advised as structural decay is accelerating.

CAPITALSFB • MARKET STRUCTURE

Stage 1 — Accumulation

The company is in a foundational phase. Risk metrics are stabilizing as the company builds a base for potential future fundamental improvement.

Stage Transition Prob.18%

Trend QualityEarly Base

Phase Progression

Phase Progression Score30%

Readiness LabelLow (Early Base Consolidation)

Probability of Advancing18%

CoinTree Momentum

Composite Z-Score-0.1708σ

Weakening momentum trend

Universe Rank#1347 of 2716

Top 49.59% in momentum strength

Timeframe Sparklines

1W-4.7%

1M-3.9%

6M-0.8%

Weinstein Indicators

150 DMA₹264.52

200 DMA₹270.69

150 DMA Slope-0.0417%Flat / Basing

Relative Strength+3.18%Leading

Relative Turnover (RTR)1.6134

ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

This company appears relatively stable compared to the Sector Mean (26).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
CAPITALSFBCapital Small Finance Bank Limited	10	0th	+5	1	+2	Earnings QualityStable
EQUITASBNKEquitas Small Finance Bank Limited	16	13th	-5	12	+0	GovernanceStable
AUBANKAU Small Finance Bank Limited	26	50th	-5	15	+0	GovernanceWatch
ESAFSFBESAFSFB	34	75th	-8	15	+0	GovernanceWatch