10 XP 0   0   5  
0coffee
Main menu
3rd party ad coffee SUPPORTERis ad-free.

IOB (Indian Overseas Bank) Stock Analysis
Buy, Hold or Sell?

Let's analyze Indian Overseas Bank together

I guess you are interested in Indian Overseas Bank. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • πŸ“Š Fundamental Analysis (FA) – Indian Overseas Bank’s Financial Insights
  • πŸ“ˆ Technical Analysis (TA) – Indian Overseas Bank’s Price Targets

I'm going to help you getting a better view of Indian Overseas Bank. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

Get notifications about Indian Overseas Bank

I send you an email if I find something interesting about Indian Overseas Bank.

1. Quick Overview

1.1. Quick analysis of Indian Overseas Bank (30 sec.)










1.2. What can you expect buying and holding a share of Indian Overseas Bank? (30 sec.)

How much money do you get?

How much money do you get?
INR0.00
When do you have the money?
1 year
How often do you get paid?
0.0%

What is your share worth?

Current worth
INR16.74
Expected worth in 1 year
INR26.44
How sure are you?
70.0%

+ What do you gain per year?

Total Gains per Share
INR9.70
Return On Investment
24.3%

For what price can you sell your share?

Current Price per Share
INR39.98
Expected price per share
INR33.24 - INR44.50
How sure are you?
50%
3rd party ad coffee SUPPORTERis ad-free.

2. Detailed Analysis

2.1. Valuation of Indian Overseas Bank (5 min.)




Live pricePrice per Share (EOD)
INR39.98
Intrinsic Value Per Share
INR-40.41 - INR71.85
Total Value Per Share
INR-23.67 - INR88.59

2.2. Growth of Indian Overseas Bank (5 min.)




Is Indian Overseas Bank growing?

Current yearPrevious yearGrowGrow %
How rich?$3.7b$3.2b$546.6m14.5%

How much money is Indian Overseas Bank making?

Current yearPrevious yearGrowGrow %
Making money$397.2m$311.8m$85.3m21.5%
Net Profit Margin20.6%17.2%--

How much money comes from the company's main activities?

2.3. Financial Health of Indian Overseas Bank (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

3rd party ad coffee SUPPORTERis ad-free.

3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Indian Overseas Bank?

Welcome investor! Indian Overseas Bank's management wants to use your money to grow the business. In return you get a share of Indian Overseas Bank.

First you should know what it really means to hold a share of Indian Overseas Bank. And how you can make/lose money.

Speculation

The Price per Share of Indian Overseas Bank is INR39.98. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Indian Overseas Bank.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Indian Overseas Bank, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is INR16.74. Based on the TTM, the Book Value Change Per Share is INR2.43 per quarter. Based on the YOY, the Book Value Change Per Share is INR1.39 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is INR0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Indian Overseas Bank.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 INR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per Share
Usd Eps0.020.1%0.020.1%0.020.0%0.020.0%0.010.0%-0.010.0%
Usd Book Value Change Per Share0.030.1%0.030.1%0.020.0%0.020.0%0.020.0%0.010.0%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share0.030.1%0.030.1%0.020.0%0.020.0%0.020.0%0.010.0%
Usd Price Per Share0.46-0.46-0.70-0.47-0.36-0.29-
Price to Earnings Ratio22.10-22.10-43.33-28.69-29.44-9.62-
Price-to-Total Gains Ratio16.06-16.06-43.01-26.04-23.43-237.12-
Price to Book Ratio2.33-2.33-4.19-2.75-2.32-2.48-
Price-to-Total Gains Ratio16.06-16.06-43.01-26.04-23.43-237.12-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.467766
Number of shares2137
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.030.02
Usd Total Gains Per Share0.030.02
Gains per Quarter (2137 shares)60.6641.75
Gains per Year (2137 shares)242.64167.01
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
102432330167157
204854760334324
307287190501491
409719620668658
50121312050835825
601456144801002992
7016981691011691159
8019411934013361326
9021842177015031493
10024262420016701660

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%5.05.00.050.0%6.06.00.050.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%7.03.00.070.0%8.04.00.066.7%
Dividend per Share0.00.01.00.0%0.00.03.00.0%0.00.05.00.0%0.00.010.00.0%2.00.010.016.7%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%7.03.00.070.0%8.04.00.066.7%
3rd party ad coffee SUPPORTERis ad-free.

3.2. Key Performance Indicators

The key performance indicators of Indian Overseas Bank compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--2.4262.4260%1.395+74%1.668+45%1.670+45%0.862+182%
Book Value Per Share--16.73916.7390%14.313+17%14.657+14%12.917+30%10.217+64%
Current Ratio----0%-0%-0%0.065-100%0.100-100%
Debt To Asset Ratio--0.9180.9180%0.9220%0.9200%0.925-1%0.933-2%
Debt To Equity Ratio--11.24511.2450%11.767-4%11.538-3%12.377-9%14.249-21%
Dividend Per Share----0%-0%-0%-0%-0%
Enterprise Value---2874316375553.280-2874316375553.2800%-2088067824451.520-27%-2471295500338.667-14%-2418187883463.360-16%-2220643183969.369-23%
Eps--1.7631.7630%1.384+27%1.413+25%1.104+60%-0.670+138%
Ev To Sales Ratio---17.414-17.4140%-13.468-23%-16.896-3%-18.391+6%-34.046+96%
Free Cash Flow Per Share--1.1611.1610%-0.771+166%-2.668+330%-0.524+145%-0.655+156%
Free Cash Flow To Equity Per Share--1.1611.1610%-0.771+166%-2.666+330%3.786-69%2.298-49%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--71.847----------
Intrinsic Value_10Y_min---40.411----------
Intrinsic Value_1Y_max--1.144----------
Intrinsic Value_1Y_min---3.047----------
Intrinsic Value_3Y_max--8.051----------
Intrinsic Value_3Y_min---10.078----------
Intrinsic Value_5Y_max--20.523----------
Intrinsic Value_5Y_min---18.066----------
Market Cap769878891028.480+3%750429724446.720750429724446.7200%1155010902548.480-35%779892323328.000-4%599650541936.640+25%493384299130.631+52%
Net Profit Margin--0.2060.2060%0.172+20%0.183+13%0.153+34%-0.402+296%
Operating Margin----0%-0%-0%-0%-0%
Operating Ratio----0%-0%-0%-0%0.563-100%
Pb Ratio2.388+3%2.3282.3280%4.191-44%2.755-15%2.323+0%2.482-6%
Pe Ratio22.673+3%22.10122.1010%43.329-49%28.690-23%29.440-25%9.623+130%
Price Per Share39.980+3%38.97038.9700%59.980-35%40.500-4%31.140+25%25.156+55%
Price To Free Cash Flow Ratio34.427+3%33.55733.5570%-77.820+332%-15.650+147%-6.850+120%-9.093+127%
Price To Total Gains Ratio16.479+3%16.06316.0630%43.011-63%26.044-38%23.431-31%237.120-93%
Quick Ratio----0%-0%-0%-0%-0%
Return On Assets--0.0090.0090%0.008+14%0.008+13%0.006+37%-0.007+177%
Return On Equity--0.1050.1050%0.097+9%0.096+10%0.081+30%-0.126+219%
Total Gains Per Share--2.4262.4260%1.395+74%1.668+45%1.670+45%0.862+182%
Usd Book Value--3771301950.0003771301950.0000%3224689544.700+17%3302162709.300+14%2910194181.180+30%2334927720.060+62%
Usd Book Value Change Per Share--0.0280.0280%0.016+74%0.020+45%0.020+45%0.010+182%
Usd Book Value Per Share--0.1960.1960%0.167+17%0.171+14%0.151+30%0.120+64%
Usd Dividend Per Share----0%-0%-0%-0%-0%
Usd Enterprise Value---33629501593.973-33629501593.9730%-24430393546.083-27%-28914157353.962-14%-28292798236.521-16%-25981525252.442-23%
Usd Eps--0.0210.0210%0.016+27%0.017+25%0.013+60%-0.008+138%
Usd Free Cash Flow--261643590.000261643590.0000%-173652570.000+166%-601139997.900+330%-118095124.680+145%-152393613.840+158%
Usd Free Cash Flow Per Share--0.0140.0140%-0.009+166%-0.031+330%-0.006+145%-0.008+156%
Usd Free Cash Flow To Equity Per Share--0.0140.0140%-0.009+166%-0.031+330%0.044-69%0.027-49%
Usd Market Cap9007583025.033+3%8780027776.0278780027776.0270%13513627559.817-35%9124740182.938-4%7015911340.659+25%5772596299.828+52%
Usd Price Per Share0.468+3%0.4560.4560%0.702-35%0.474-4%0.364+25%0.294+55%
Usd Profit--397274670.000397274670.0000%311882220.000+27%318441224.400+25%248807164.320+60%-166678858.710+142%
Usd Revenue--1931182110.0001931182110.0000%1814022990.000+6%1731109770.000+12%1569331260.900+23%1205352548.010+60%
Usd Total Gains Per Share--0.0280.0280%0.016+74%0.020+45%0.020+45%0.010+182%
 EOD+4 -4MRQTTM+0 -0YOY+24 -83Y+24 -85Y+24 -910Y+25 -9

3.3 Fundamental Score

Let's check the fundamental score of Indian Overseas Bank based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1522.673
Price to Book Ratio (EOD)Between0-12.388
Net Profit Margin (MRQ)Greater than00.206
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.918
Debt to Equity Ratio (MRQ)Less than111.245
Return on Equity (MRQ)Greater than0.150.105
Return on Assets (MRQ)Greater than0.050.009
Total2/10 (20.0%)

3.4 Technical Score

Let's check the technical score of Indian Overseas Bank based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5058.831
Ma 20Greater thanMa 5038.527
Ma 50Greater thanMa 10038.233
Ma 100Greater thanMa 20040.453
OpenGreater thanClose40.050
Total3/5 (60.0%)

4. In-depth Analysis

4.1 About Indian Overseas Bank

Indian Overseas Bank provides various banking products and services in India and internationally. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It accepts various deposits, such as demand, savings, current, fixed, recurring, tax saver, and term deposits. The company's loan products include home, vehicle, jewel, consumer durable, education, reverse mortgage, personal, agricultural, and corporate loans, as well as loan against the property and sovereign gold bond; and micro, small, and medium enterprise loans. It also provides debit and credit cards, export credit, NRI accounts, agricultural and rural banking products, mutual funds, lockers, merchant banking, and internet and mobile banking services; depository services; and life, health, personal accident, and motor insurance products. It operates branches, ATMs, and business correspondents in India; and overseas branches in Singapore, Hong Kong, Colombo, and Bangkok. The company was incorporated in 1936 and is based in Chennai, India.

Fundamental data was last updated by Penke on 2025-06-30 05:15:03.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is fair priced.
3rd party ad coffee SUPPORTERis ad-free.

4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profitΒ Indian Overseas Bank earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compareΒ Indian Overseas Bank to theΒ Banks - Regional industry mean.
  • A Net Profit Margin of 20.6%Β means thatΒ ₹0.21 for each ₹1Β in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Indian Overseas Bank:

  • The MRQ is 20.6%. The company is making a huge profit. +2
  • The TTM is 20.6%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ20.6%TTM20.6%0.0%
TTM20.6%YOY17.2%+3.4%
TTM20.6%5Y15.3%+5.2%
5Y15.3%10Y-40.2%+55.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ20.6%41.9%-21.3%
TTM20.6%31.1%-10.5%
YOY17.2%29.6%-12.4%
3Y18.3%29.0%-10.7%
5Y15.3%25.7%-10.4%
10Y-40.2%22.1%-62.3%
4.3.1.2. Return on Assets

Shows howΒ efficientΒ Indian Overseas Bank is using its assets to generate profit.

  • Above 5% is considered healthyΒ but always compareΒ Indian Overseas Bank to theΒ Banks - Regional industry mean.
  • 0.9% Return on Assets means thatΒ Indian Overseas Bank generatedΒ ₹0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Indian Overseas Bank:

  • The MRQ is 0.9%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.9%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.9%TTM0.9%0.0%
TTM0.9%YOY0.8%+0.1%
TTM0.9%5Y0.6%+0.2%
5Y0.6%10Y-0.7%+1.3%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9%0.2%+0.7%
TTM0.9%0.2%+0.7%
YOY0.8%0.2%+0.6%
3Y0.8%0.2%+0.6%
5Y0.6%0.2%+0.4%
10Y-0.7%0.2%-0.9%
4.3.1.3. Return on Equity

Shows how efficient Indian Overseas Bank is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compareΒ Indian Overseas Bank to theΒ Banks - Regional industry mean.
  • 10.5% Return on Equity means Indian Overseas Bank generated ₹0.11Β for eachΒ ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Indian Overseas Bank:

  • The MRQ is 10.5%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 10.5%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ10.5%TTM10.5%0.0%
TTM10.5%YOY9.7%+0.9%
TTM10.5%5Y8.1%+2.4%
5Y8.1%10Y-12.6%+20.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ10.5%2.8%+7.7%
TTM10.5%2.2%+8.3%
YOY9.7%2.6%+7.1%
3Y9.6%2.5%+7.1%
5Y8.1%2.4%+5.7%
10Y-12.6%2.6%-15.2%
3rd party ad coffee SUPPORTERis ad-free.

4.3.2. Operating Efficiency of Indian Overseas Bank.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

MeasuresΒ how efficient Indian Overseas Bank is operatingΒ .

  • Measures how much profit Indian Overseas Bank makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compareΒ Indian Overseas Bank to theΒ Banks - Regional industry mean.
  • An Operating Margin of 0.0%Β means the company generated ₹0.00 Β for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Indian Overseas Bank:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
4.3.2.2. Operating Ratio

Measures how efficient Indian Overseas Bank is keepingΒ operating costsΒ low.

  • Below 1 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are ₹0.00 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of Indian Overseas Bank:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y0.563-0.563
3rd party ad coffee SUPPORTERis ad-free.

4.4.3. Liquidity of Indian Overseas Bank.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Indian Overseas Bank is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • A Current Ratio of 0.00Β means the company has ₹0.00 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of Indian Overseas Bank:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.065-0.065
5Y0.06510Y0.100-0.034
4.4.3.2. Quick Ratio

Measures if Indian Overseas Bank is able to pay off Short-term Debt but only usingΒ theΒ most liquid assets.

  • Above 1 is considered healthy butΒ always compareΒ Indian Overseas Bank to theΒ Banks - Regional industry mean.
  • A Quick Ratio of 0.00Β means the company can pay off ₹0.00 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Indian Overseas Bank:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
3rd party ad coffee SUPPORTERis ad-free.

4.5.4. Solvency of Indian Overseas Bank.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much %Β of Indian Overseas BankΒ assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compareΒ Indian Overseas Bank to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.92Β means that Indian Overseas Bank assets areΒ financed with 91.8% credit (debt) and the remaining percentage (100% - 91.8%)Β is financed by its owners/shareholders.Β 

Let's take a look of the Debt to Asset Ratio trends of Indian Overseas Bank:

  • The MRQ is 0.918. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.918. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.918TTM0.9180.000
TTM0.918YOY0.922-0.003
TTM0.9185Y0.925-0.006
5Y0.92510Y0.933-0.008
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9180.912+0.006
TTM0.9180.914+0.004
YOY0.9220.331+0.591
3Y0.9200.655+0.265
5Y0.9250.761+0.164
10Y0.9330.845+0.088
4.5.4.2. Debt to Equity Ratio

Measures ifΒ Indian Overseas Bank is able toΒ pay off its debts by usingΒ shareholders equity.

  • Below 2 is considered healthy butΒ always compareΒ Indian Overseas Bank to theΒ Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,124.5% means that company has ₹11.25 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Indian Overseas Bank:

  • The MRQ is 11.245. The company is unable to pay all its debts with equity. -1
  • The TTM is 11.245. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ11.245TTM11.2450.000
TTM11.245YOY11.767-0.521
TTM11.2455Y12.377-1.131
5Y12.37710Y14.249-1.872
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ11.24510.416+0.829
TTM11.24510.683+0.562
YOY11.7674.228+7.539
3Y11.5387.922+3.616
5Y12.3779.283+3.094
10Y14.24911.348+2.901
3rd party ad coffee SUPPORTERis ad-free.

4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

MeasuresΒ how much money you payΒ for each share forΒ every ₹1 in earnings Indian Overseas Bank generates.

  • Above 15 is considered overpriced butΒ always compareΒ Indian Overseas Bank to theΒ Banks - Regional industry mean.
  • A PE ratio of 22.10 means the investor is paying ₹22.10Β for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Indian Overseas Bank:

  • The EOD is 22.673. Based on the earnings, the company is fair priced.
  • The MRQ is 22.101. Based on the earnings, the company is fair priced.
  • The TTM is 22.101. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD22.673MRQ22.101+0.573
MRQ22.101TTM22.1010.000
TTM22.101YOY43.329-21.229
TTM22.1015Y29.440-7.340
5Y29.44010Y9.623+19.817
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD22.6734.240+18.433
MRQ22.1013.875+18.226
TTM22.1016.132+15.969
YOY43.3294.741+38.588
3Y28.6905.925+22.765
5Y29.4408.400+21.040
10Y9.6239.118+0.505
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Indian Overseas Bank:

  • The EOD is 34.427. Based on how much money comes from the company's main activities, the company is fair priced.
  • The MRQ is 33.557. Based on how much money comes from the company's main activities, the company is fair priced.
  • The TTM is 33.557. Based on how much money comes from the company's main activities, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD34.427MRQ33.557+0.870
MRQ33.557TTM33.5570.000
TTM33.557YOY-77.820+111.377
TTM33.5575Y-6.850+40.407
5Y-6.85010Y-9.093+2.244
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD34.4270.368+34.059
MRQ33.5570.336+33.221
TTM33.5570.632+32.925
YOY-77.820-1.072-76.748
3Y-15.6502.007-17.657
5Y-6.8500.284-7.134
10Y-9.0930.095-9.188
3rd party ad coffee SUPPORTERis ad-free.
4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price ofΒ Indian Overseas Bank is to cheap or to expensiveΒ compared to its book value.

  • At or below 1 is considered healthyΒ (always compare to Banks - Regional industry mean).
  • A PB ratio of 2.33 means the investor is paying ₹2.33Β for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of Indian Overseas Bank:

  • The EOD is 2.388. Based on the equity, the company is underpriced. +1
  • The MRQ is 2.328. Based on the equity, the company is underpriced. +1
  • The TTM is 2.328. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD2.388MRQ2.328+0.060
MRQ2.328TTM2.3280.000
TTM2.328YOY4.191-1.863
TTM2.3285Y2.323+0.005
5Y2.32310Y2.482-0.158
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD2.3880.472+1.916
MRQ2.3280.432+1.896
TTM2.3280.446+1.882
YOY4.1910.149+4.042
3Y2.7550.355+2.400
5Y2.3230.578+1.745
10Y2.4820.801+1.681
4.6.2. Total Gains per Share
3rd party ad coffee SUPPORTERis ad-free.

6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets3,947,079,600
Total Liabilities3,624,746,100
Total Stockholder Equity322,333,500
 As reported
Total Liabilities 3,624,746,100
Total Stockholder Equity+ 322,333,500
Total Assets = 3,947,079,600

Assets

Total Assets3,947,079,600
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 212,196,300
Total Current Assets  (as reported)0
Total Current Assets  (calculated)212,196,300
+/- 212,196,300
Long-term Assets
Property Plant Equipment 46,548,200
Long Term Investments 1,105,879,700
Long-term Assets  (as reported)0
Long-term Assets  (calculated)1,152,427,900
+/- 1,152,427,900

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity322,333,500
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Total Stockholder Equity (as reported)322,333,500
Total Stockholder Equity (calculated)0
+/- 322,333,500
Other
Capital Stock192,565,900
Common Stock Shares Outstanding 19,256,590
Net Debt 210,080,300
Net Invested Capital 744,610,100



6.2. Balance Sheets Structured

Currency in INR. All numbers in thousands.

 Trend2025-03-312024-03-312023-03-312022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-31
> Total Assets 
2,748,986,666
2,856,369,835
2,744,367,636
2,471,674,874
2,479,680,302
2,500,083,577
2,607,268,306
2,742,293,259
2,990,299,737
3,134,499,040
3,518,693,218
3,947,079,600
3,947,079,6003,518,693,2183,134,499,0402,990,299,7372,742,293,2592,607,268,3062,500,083,5772,479,680,3022,471,674,8742,744,367,6362,856,369,8352,748,986,666
   > Total Current Assets 
235,952,898
284,694,906
257,842,771
265,031,562
311,271,884
364,713,345
307,812,111
381,092,686
443,850,390
0
0
0
000443,850,390381,092,686307,812,111364,713,345311,271,884265,031,562257,842,771284,694,906235,952,898
       Cash And Cash Equivalents 
83,856,226
137,504,731
100,381,305
232,230,400
265,449,908
308,915,000
240,606,557
307,763,400
369,512,603
208,208,300
188,149,006
212,196,300
212,196,300188,149,006208,208,300369,512,603307,763,400240,606,557308,915,000265,449,908232,230,400100,381,305137,504,73183,856,226
       Inventory 
2,115,539
2,115,539
2,115,539
2,115,539
2,100,151
2,100,151
2,100,151
2,100,151
2,100,151
0
0
0
0002,100,1512,100,1512,100,1512,100,1512,100,1512,115,5392,115,5392,115,5392,115,539
       Other Current Assets 
149,981,133
145,074,636
155,345,927
134,127,466
145,025,494
146,338,210
82,180,699
181,459,936
227,763,748
0
0
0
000227,763,748181,459,93682,180,699146,338,210145,025,494134,127,466155,345,927145,074,636149,981,133
   > Long-term Assets 000000000000
       Property Plant Equipment 
26,043,771
25,070,648
32,704,649
30,543,321
28,934,338
33,369,047
31,273,428
29,187,796
33,660,362
37,107,400
37,401,882
46,548,200
46,548,20037,401,88237,107,40033,660,36229,187,79631,273,42833,369,04728,934,33830,543,32132,704,64925,070,64826,043,771
       Long Term Investments 
702,367,996
792,980,984
791,895,506
715,491,900
686,459,365
669,322,700
794,160,799
954,942,200
982,672,208
936,425,200
991,939,153
1,105,879,700
1,105,879,700991,939,153936,425,200982,672,208954,942,200794,160,799669,322,700686,459,365715,491,900791,895,506792,980,984702,367,996
       Earning Assets 
0
0
847,468,273
765,429,489
818,538,298
854,972,995
940,555,120
1,082,324,818
0
0
0
0
00001,082,324,818940,555,120854,972,995818,538,298765,429,489847,468,27300
> Total Liabilities 
2,587,284,943
2,699,959,659
2,587,709,482
2,334,229,397
2,346,940,473
2,336,484,796
2,445,718,556
2,571,306,435
2,764,322,221
2,885,738,644
3,243,078,727
3,624,746,100
3,624,746,1003,243,078,7272,885,738,6442,764,322,2212,571,306,4352,445,718,5562,336,484,7962,346,940,4732,334,229,3972,587,709,4822,699,959,6592,587,284,943
   > Total Current Liabilities 
2,298,543,782
2,531,747,847
2,392,911,597
2,168,467,914
2,218,350,512
2,247,825,759
2,250,342,733
2,413,076,157
2,645,616,099
0
0
0
0002,645,616,0992,413,076,1572,250,342,7332,247,825,7592,218,350,5122,168,467,9142,392,911,5972,531,747,8472,298,543,782
       Short-term Debt 
245,057,759
51,971,100
140,804,800
48,384,200
43,610,800
16,274,100
0
0
0
0
0
0
00000016,274,10043,610,80048,384,200140,804,80051,971,100245,057,759
       Short Long Term Debt 
245,057,759
51,971,100
140,804,800
48,384,200
43,610,800
16,274,100
0
0
0
0
0
0
00000016,274,10043,610,80048,384,200140,804,80051,971,100245,057,759
       Accounts payable 
2,279,760,866
2,460,487,215
2,245,142,396
2,113,426,267
2,168,318,111
2,225,340,772
2,229,518,800
2,403,527,822
2,622,137,635
1,624,402
4,025,031
0
04,025,0311,624,4022,622,137,6352,403,527,8222,229,518,8002,225,340,7722,168,318,1112,113,426,2672,245,142,3962,460,487,2152,279,760,866
       Other Current Liabilities 
12,935,098
12,312,127
5,602,511
6,243,884
6,028,738
5,479,392
5,473,019
6,592,600
7,007,690
0
0
0
0007,007,6906,592,6005,473,0195,479,3926,028,7386,243,8845,602,51112,312,12712,935,098
   > Long-term Liabilities 000000000000
       Long term Debt Total 
0
0
271,833,077
160,976,718
92,280,811
61,460,379
54,197,308
36,715,765
30,706,365
208,037,719
0
0
00208,037,71930,706,36536,715,76554,197,30861,460,37992,280,811160,976,718271,833,07700
> Total Stockholder Equity
161,701,723
156,410,176
156,658,154
137,445,477
132,739,829
163,598,781
161,549,750
170,986,824
225,977,516
248,760,396
275,614,491
322,333,500
322,333,500275,614,491248,760,396225,977,516170,986,824161,549,750163,598,781132,739,829137,445,477156,658,154156,410,176161,701,723
   Common Stock
12,353,483
12,353,483
18,072,657
24,547,289
48,907,699
91,416,482
164,369,883
166,467,941
191,084,931
189,024,123
0
0
00189,024,123191,084,931166,467,941164,369,88391,416,48248,907,69924,547,28918,072,65712,353,48312,353,483
   Retained Earnings 
56,226,854
51,328,479
29,936,905
-8,146,596
-2,336,436
-40,150,517
-125,838,736
-122,680,825
-104,186,569
-89,719,145
-144,739,334
0
0-144,739,334-89,719,145-104,186,569-122,680,825-125,838,736-40,150,517-2,336,436-8,146,59629,936,90551,328,47956,226,854
   Capital Surplus 
0
0
64,845,836
76,500,622
40,290,762
60,016,652
69,233,250
69,233,250
85,579,011
85,579,011
0
0
0085,579,01185,579,01169,233,25069,233,25060,016,65240,290,76276,500,62264,845,83600
   Treasury Stock000000000000
   Other Stockholders Equity 
44,670,106
44,276,934
8,256,581
44,544,162
45,877,804
52,316,164
53,785,353
57,966,459
59,764,473
9,890,856
0
0
009,890,85659,764,47357,966,45953,785,35352,316,16445,877,80444,544,1628,256,58144,276,93444,670,106



6.3. Balance Sheets

Currency in INR. All numbers in thousands.




6.4. Cash Flows

Currency in INR. All numbers in thousands.




6.5. Income Statements

Currency in INR. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2025-03-31. Currency in INR. All numbers in thousands.

Gross Profit (+$)
totalRevenue165,058,300
Cost of Revenue-0
Gross Profit0165,058,300
 
Operating Income (+$)
Gross Profit0
Operating Expense-0
Operating Income00
 
Operating Expense (+$)
Research Development0
Selling General Administrative0
Selling And Marketing Expenses0
Operating Expense00
 
Net Interest Income (+$)
Interest Income281,436,400
Interest Expense-172,444,800
Other Finance Cost-0
Net Interest Income108,991,600
 
Pretax Income (+$)
Operating Income0
Net Interest Income108,991,600
Other Non-Operating Income Expenses0
Income Before Tax (EBT)45,725,2000
EBIT - interestExpense = -172,444,800
33,955,100
206,399,900
Interest Expense172,444,800
Earnings Before Interest and Taxes (EBIT)0218,170,000
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax45,725,200
Tax Provision-11,770,100
Net Income From Continuing Ops33,955,10033,955,100
Net Income33,955,100
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net0-108,991,600
 

Technical Analysis of Indian Overseas Bank
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Indian Overseas Bank. The general trend of Indian Overseas Bank is BEARISH with 42.9% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Indian Overseas Bank's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-42.9%) Bearish trend (42.9%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Indian Overseas Bank Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

SupportΒ is a price level at which demand for an asset is strong enough to prevent the price from falling further.
ResistanceΒ is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Indian Overseas Bank.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 41.00 < 42.84 < 44.50.

The bearish price targets are: 35.97 > 33.44 > 33.24.

Know someone who trades $IOB? Share this with them.πŸ‘‡

Indian Overseas Bank Daily Support & Resistance Chart
3rd party ad coffee SUPPORTERis ad-free.

2. Trend Indicators

2.1 Moving Averages

Shows theΒ moving averageΒ of the selected period.

  • Moving averages are laggingΒ trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Indian Overseas Bank. The current mas is .

The long score for the Moving Averages is 4/14.
The longshort score for the Moving Averages is -6/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Indian Overseas Bank Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows theΒ momentumΒ of theΒ selected period based on two moving averages.

  • MACD is aΒ lagging momentumΒ indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Indian Overseas Bank. The current macd is 0.20588092.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Indian Overseas Bank price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Indian Overseas Bank. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Indian Overseas Bank price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Indian Overseas Bank Daily Moving Average Convergence/Divergence (MACD) ChartIndian Overseas Bank Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Indian Overseas Bank. The current adx is 14.68.

The long score for the Directional Movement Index (DMI) is 1/7.
The longshort score for the Directional Movement Index (DMI) is 1/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Indian Overseas Bank shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Indian Overseas Bank Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • ShowsΒ the current trend.
  • ShowsΒ potential entry signals.
  • ShowsΒ Β potential exit signals.
  • Can be used to placeΒ trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Indian Overseas Bank. The current sar is 36.24.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Indian Overseas Bank Daily Parabolic SAR Chart
3rd party ad coffee SUPPORTERis ad-free.

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentumΒ indicator, meaning the signals are instant.
  • RangesΒ between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Indian Overseas Bank. The current rsi is 58.83. The current phase is Correction in bear market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Correction in bear market: Extended price decline in a downtrend, significant pullback. Consider reducing exposure, wait for signs of trend reversal.
  • Trending up: The RSI is trending up. +1
Indian Overseas Bank Daily Relative Strength Index (RSI) ChartIndian Overseas Bank Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

ComparesΒ a certain price to multiple prices ranging over time.

  • LeadingΒ momentumΒ indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • RangesΒ between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Indian Overseas Bank. The current phase is Overbought in bear market.

The long score for the Stochastic Oscillator is 4/6.
The longshort score for the Stochastic Oscillator is 2/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Indian Overseas Bank price going down in the near term. -2
  • Trending up: The STOCH %K is trending up. +1
Indian Overseas Bank Daily Stochastic Oscillator ChartIndian Overseas Bank Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero,Β the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Indian Overseas Bank. The current cci is 77.42.

Indian Overseas Bank Daily Commodity Channel Index (CCI) ChartIndian Overseas Bank Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Indian Overseas Bank. The current cmo is 29.63.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Indian Overseas Bank Daily Chande Momentum Oscillator (CMO) ChartIndian Overseas Bank Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

Β Shows the current price relative to the highest high over the last 14 days.
Β 

  • Lagging momentum indicator
  • Ranging between 0 andΒ -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Indian Overseas Bank. The current willr is -15.75630252.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Indian Overseas Bank Daily Williams %R ChartIndian Overseas Bank Daily Williams %R Chart
3rd party ad coffee SUPPORTERis ad-free.

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversoldΒ 

Score

Let's take a look at the Bollinger Bands of Indian Overseas Bank.

Indian Overseas Bank Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Indian Overseas Bank. The current atr is 1.25610069.

Indian Overseas Bank Daily Average True Range (ATR) ChartIndian Overseas Bank Daily Average True Range (ATR) Chart
3rd party ad coffee SUPPORTERis ad-free.

5. Volume Indicators

5.1 On-Balance Volume (OBV)

Β Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Indian Overseas Bank. The current obv is 210,796,533.

Indian Overseas Bank Daily On-Balance Volume (OBV) ChartIndian Overseas Bank Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Indian Overseas Bank. The current mfi is 69.01.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Indian Overseas Bank Daily Money Flow Index (MFI) ChartIndian Overseas Bank Daily Money Flow Index (MFI) Chart
3rd party ad coffee SUPPORTERis ad-free.

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Indian Overseas Bank.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-07STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-02-11MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-02-13STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-14STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-02-19STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-21STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-25STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-27STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-02-28CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-04RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-06SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-03-10STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-11CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-03-13WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-17SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-03-18STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-19MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-03-24SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-25STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-27WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-28MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-02STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-04STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-07BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-08STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-09STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-04-15RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-17MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-04-21CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-22SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-24STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-25CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-04-29STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-30STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-05-06WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-08STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-09MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-05-12MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-16STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-19DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-20STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-23STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-27STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-28STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-29STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-30STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-02WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-03STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-09STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-11STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-13SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-16STOCH SHORT EXITThe %K line crosses above the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-06-18STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-19CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-20STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-25CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-26STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-27STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-30MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-07-01SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-07-02STOCH LONG EXITThe %K line crosses below the %D line.

6.3. Candlestick Patterns

Indian Overseas Bank Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Indian Overseas Bank based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5058.831
Ma 20Greater thanMa 5038.527
Ma 50Greater thanMa 10038.233
Ma 100Greater thanMa 20040.453
OpenGreater thanClose40.050
Total3/5 (60.0%)
Penke
Good job! You gained 25 XP and 0   0   10 . What's next:
  • Share my analysis of Indian Overseas Bank with someone you think should read this too:
  • Are you bullish or bearish on Indian Overseas Bank? Let me know what you think in the comments.
  • Do you want an email if I find something interesting about Indian Overseas Bank? Add an email alert using the form below.
  • Join the community if you want to keep your earnings and track your progress: Join the community
  • Is this analysis useful to you? Support me via But Me a Coffee. I'll analyze the stock market faster for you!

Get notifications about Indian Overseas Bank

I send you an email if I find something interesting about Indian Overseas Bank.


Comments

How you think about this?

Leave a comment

Stay informed about Indian Overseas Bank.

Receive notifications about Indian Overseas Bank in your mailbox!

3rd party ad coffee SUPPORTERis ad-free.