Last Updated2026-06-02

Market View

₹78.91(▲1.64%)

Reporting PeriodQ4 FY26

MAHABANKBank of Maharashtra Forensic Risk Analysis

Name: Bank of Maharashtra Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Public Sector Bank

Risk ClassStable

Market Cap₹54,887 Cr

Primary DriverEarnings Quality

Flagium AI Risk Score

14 / 100

-16 QoQ

Improving

Sentinel Insight

Asset quality remains stable for now. Pressure is receding in core profitability and credit costs. This indicates that forensic pressure is currently receding. Risk levels are improving.

36.4th %ile (Sector)Accel: +0 Qtrs

Updated2026-06-02

Market View

₹78.91▲1.64%

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

+13.5 pts

Final Composite Risk14 / 100

Investment Risk Thesis

Historical Trend

Current risk score has declined from 34 → 14 over 12 quarters.

Expected Direction

🟢 Improving

Primary Deterioration Drivers

CAR Decay
NIM Compression

What to Watch Next Quarter

Operating profit margins

Active Risk Objects (2)

CriticalHigh

NIM Compression

📊 Earnings QualityQuarterlyActive for 1 Qtrs

More Detail

Impact Weight10/15

MomentumAccelerating

Last SignalQ4 FY2026

MAHABANK: NIM compressed by 357 bps YoY (to 0.00%).

"Early signs of margin compression detected. Core interest income is being squeezed."

CAR Decay

🏛️ Solvency & LeverageQuarterlyActive for 8 Qtrs

More Detail

Impact Weight15/15

MomentumDecaying

Last SignalQ3 FY2026

MAHABANK: CAR declining for 3 consecutive quarters in warning zone.

"Capital position is strengthening through fresh equity or higher profit retention."

Risk Trajectory

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Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	3.82	6.50	✅ RESILIENT
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+52.0	+46.0	✅ RESILIENT

Forensic Benchmark Context: Public Sector Bank (n=12 peers)

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

Loading Chart

Share Price

Risk Score (0-100)

Market Performance

₹78.91(+1.64%)

1M Divergence+1.35%

1 Week-1.58%

1 Month+0.69%

6 Months+40.66%

1 Year+39.29%

2 Year+19.58%

3 Year+167.58%

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. Initial structural recovery is visible; monitor for a sustained return to resilience.

MAHABANK • MARKET STRUCTURE

Stage 2 — Advancing

The company is in a growth phase. Institutional sentiment is highly positive, supported by strong fundamentals and sustained risk reduction.

Stage Transition Prob.97%

Trend QualityStrong

Phase Progression

Phase Progression Score75%

Readiness LabelHigh (Phase Transition Imminent)

Probability of Advancing97%

CoinTree Momentum

Composite Z-Score+0.4630σ

Improving momentum strength

Universe Rank#470 of 2716

Top 17.30% in momentum strength

Timeframe Sparklines

1W-1.6%

1M+0.7%

6M+40.7%

Weinstein Indicators

150 DMA₹66.22

200 DMA₹63.31

150 DMA Slope+5.0965%Rising

Relative Strength+46.15%Leading

Relative Turnover (RTR)1.5091

ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

This company appears relatively stable compared to the Sector Mean (20).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
MAHABANKBank of Maharashtra	14	36th	-16	2	+0	Earnings QualityStable
BANKINDIABank of India	20	45th	-4	12	+0	SolvencyWatch
BANKBARODABank of Baroda	26	64th	-5	11	+0	GovernanceWatch
CANBKCanara Bank	34	82th	-17	17	+0	SolvencyWatch