Tamilnad Mercantile Bank Limited Quarterly Financials
TMB
Financial ServicesThe AI narrative summary for the latest quarter is still pending. Below are the reported quarterly financials and the deterministic scorecard computed from them.
Quarterly Business Intelligence
Q1 FY2027
Revenue
₹1,662 Cr
QoQ +7.2%YoY +19.9%
Net Profit
₹412 Cr
QoQ +10.1%YoY +35.0%
Operating Profit
₹1,216 Cr
QoQ +9.8%YoY +24.2%
Operating Margin
73.2%
QoQ +170 bpsYoY +250 bps
AI Quarterly Scorecard™
87
/ 100
Excellent
Revenue Momentum89
Profit Growth93
Margin Expansion83
Growth Consistency96
Operating Efficiency86
Financial Stability77
Computed deterministically from the last 10 reported quarters.
Quarterly Business Momentum
Revenue & Growth
- Revenue has increased for 7 consecutive quarters.
- Revenue of ₹1,662 Cr is 19.9% higher year-on-year.
- Revenue has compounded at 13.4% annualised over the last 10 quarters.
- Revenue is at its highest level in 10 quarters.
Profitability
- Net profit has reached its highest level in 10 quarters.
- Net profit of ₹412 Cr is 35.0% above the same quarter last year.
- Profit growth is outpacing revenue growth, pointing to positive operating leverage.
- Net profit has compounded at 24.1% annualised across the period.
Margins
- Operating margin stands at 73.2% in Q1 FY2027.
- Operating margin expanded by 250 bps year-on-year.
- Over the last two years operating margin has expanded by 569 bps.
- PBT margin is 33.5%.
Operating Efficiency
- Expense growth of 9.7% remained below revenue growth of 19.9%.
- Operating profit of ₹1,216 Cr is 24.2% higher year-on-year.
- Operating leverage continues to improve.
Overall Momentum
- 6 of the last 6 measured quarters delivered year-on-year revenue growth.
- Overall quarterly business momentum scores 87/100 (Excellent) on the latest 10 quarters.
- Business momentum remains positive heading into the next quarter.
Quarterly Financials
Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %
| Metric | Trend | Latest Q1 FY2027 | Q4 FY2026 | Q3 FY2026 | Q2 FY2026 | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 | Q4 FY2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Improving | 1,662 | 1,550 | 1,469 | 1,413 | 1,386 | 1,342 | 1,331 | 1,337 | 1,281 | 1,254 |
| Expenses | Stable | 446 | 443 | 375 | 373 | 407 | 382 | 355 | 423 | 417 | 388 |
| Operating Profit | Improving | 1,216 | 1,108 | 1,094 | 1,041 | 979 | 960 | 976 | 914 | 864 | 866 |
| Operating Margin | Stable | 73.2% | 71.5% | 74.5% | 73.6% | 70.7% | 71.6% | 73.3% | 68.3% | 67.5% | 69.1% |
| Other Income | Improving | 238 | 242 | 196 | 208 | 231 | 200 | 189 | 227 | 234 | 164 |
| Interest | Improving | 897 | 846 | 823 | 816 | 807 | 774 | 761 | 741 | 715 | 687 |
| Depreciation | Insufficient data | — | — | — | — | — | — | — | — | — | — |
| Profit Before Tax | Improving | 557 | 504 | 467 | 432 | 404 | 387 | 404 | 400 | 383 | 343 |
| Tax | Improving | 146 | 130 | 125 | 115 | 99 | 95 | 104 | 97 | 96 | 90 |
| Net Profit | Improving | 412 | 374 | 342 | 318 | 305 | 292 | 300 | 303 | 287 | 253 |
| Net Margin | Stable | 24.8% | 24.1% | 23.2% | 22.5% | 22.0% | 21.8% | 22.6% | 22.7% | 22.4% | 20.2% |
Source: Financial Intelligence (Structured Quarterly Data)•Latest Quarter: Q1 FY2027•Figures in ₹ Crore • Margins in %•Automatically updated from Financial Intelligence · 2026-06-30