Bank of Baroda vs Bank of India vs AU Small Finance Bank: Which Stock Should You Track
- September 23, 2026
- Posted by: Harsh Piplani
- Category: Market
Bank of Baroda PE 6.58, mkt cap Rs 1,21,010 crore. Bank of India PE 5.30, mkt cap Rs 62,485 crore. AU Small Finance Bank PE 27.22, mkt cap Rs 77,760 crore.
Quick Answer
Bank of Baroda vs Bank of India vs AU Small Finance Bank is a side-by-side comparison of three companies from the PSU and Small Finance Banking space. On this comparison, Bank of Baroda carries a market capitalisation of about Rs 1,21,010 crore against Rs 62,485 crore for Bank of India and Rs 77,760 crore for AU Small Finance Bank, with return on equity of 13.18%, 14.20% and 14.47% respectively. Each company’s numbers are presented here without a declared better pick, since the right stock depends on an investor’s own criteria.
Bank of Baroda vs Bank of India vs AU Small Finance Bank starts with the core numbers most investors compare within the PSU and Small Finance Banking segment: market capitalisation, valuation multiples, profitability and dividend yield. Figures below are sourced as of September 2026 and will shift with daily price moves.
All three names sit in the PSU and Small Finance Banking bucket, which makes them a natural set to place side by side rather than a random trio of unrelated businesses.
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Bank of Baroda, Bank of India and AU Small Finance Bank: Company Overview
Bank of Baroda is a listed Indian company in the PSU and Small Finance Banking space, tracked here on book value, return ratios and valuation alongside its peers in this comparison.
Bank of India is a listed Indian company in the PSU and Small Finance Banking space, tracked here on book value, return ratios and valuation alongside its peers in this comparison.
AU Small Finance Bank is a listed Indian company in the PSU and Small Finance Banking space, tracked here on book value, return ratios and valuation alongside its peers in this comparison.
Bank of Baroda vs Bank of India vs AU Small Finance Bank: Valuation and Profitability Snapshot
| Metric | Bank of Baroda | Bank of India | AU Small Finance Bank |
|---|---|---|---|
| Market Cap (approx.) | Rs 1,21,010 crore | Rs 62,485 crore | Rs 77,760 crore |
| PE Ratio (TTM) | 6.58 | 5.30 | 27.22 |
| PB Ratio | 0.72 | 0.75 | 3.94 |
| Return on Equity (ROE) | 13.18% | 14.20% | 14.47% |
| EPS (TTM, Rs) | 35.57 | 25.88 | 38.06 |
| Dividend Yield | 3.64% | 3.39% | 0.10% |
| Debt to Equity | NA (bank) | NA (bank) | NA (bank) |
| Book Value per Share (Rs) | 325.83 | 182.23 | 262.93 |
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On valuation, Bank of Baroda trades at a PE of 6.58 and a PB of 0.72, Bank of India at a PE of 5.30 and a PB of 0.75, while AU Small Finance Bank trades at a PE of 27.22 and a PB of 3.94. On return on equity, the three post 13.18%, 14.20% and 14.47% respectively, and on dividend yield they stand at 3.64%, 3.39% and 0.10%.
Bank of Baroda vs Bank of India vs AU Small Finance Bank: Latest Quarterly Results
| Company | Latest Quarter Revenue | Latest Quarter Net Profit | YoY Change (Revenue) | QoQ Change (Revenue) |
|---|---|---|---|---|
| Bank of Baroda | Rs 41,316.71 crore | Rs 1,572.59 crore | +7.6% | +3.3% |
| Bank of India | Rs 22,712.28 crore | Rs 3,138.46 crore | +9.8% | -0.6% |
| AU Small Finance Bank | Quarterly revenue and profit figures for AU Small Finance Bank were not independently verified this round; readers should check the company’s latest exchange filing before relying on a quarter-specific figure. | |||
Quarterly figures above are the most recent reported quarter for each company (Q1 FY28, quarter ended June 2026), compared with the year-ago and preceding quarter where that data was available. A blank cell means the figure could not be independently verified in this pull and should be checked on the company’s own exchange filing before use.
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What Should Investors Look at Beyond These Numbers?
Beyond the metrics above, investors comparing these three psu and small finance banking names should track quarter-on-quarter revenue and margin trends, management commentary on order books or demand, and any sector-specific regulatory or input-cost developments, since a single-quarter snapshot can shift quickly.
Conclusion
Bank of Baroda vs Bank of India vs AU Small Finance Bank highlights how differently three companies in the same psu and small finance banking segment can score across valuation, profitability and dividend metrics, even when operating in a similar space. This comparison does not declare a winner; investors should weigh these figures against their own research and risk appetite. Please read the disclaimer below before making any investment decision.
Disclaimer: Data and figures in this article are sourced from publicly available information as of September 2026 and may not reflect real-time prices. Please verify all data independently before making any investment decision. This comparison does not recommend or endorse any single stock over another; investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
FAQs on Bank of Baroda vs Bank of India vs AU Small Finance Bank
What is the market cap difference between Bank of Baroda, Bank of India and AU Small Finance Bank?
Ans. As of September 2026, Bank of Baroda has a market cap of approximately Rs 1,21,010 crore, Bank of India is at approximately Rs 62,485 crore, and AU Small Finance Bank is at approximately Rs 77,760 crore.
Which of the three has the highest PE ratio?
Ans. Among Bank of Baroda, Bank of India and AU Small Finance Bank, the PE ratios stand at 6.58, 5.30 and 27.22 respectively as of September 2026.
Which of the three has the highest ROE?
Ans. Bank of Baroda, Bank of India and AU Small Finance Bank post ROE of 13.18%, 14.20% and 14.47% respectively as of September 2026.
Which of these three stocks pays the highest dividend yield?
Ans. Bank of Baroda, Bank of India and AU Small Finance Bank carry dividend yields of 3.64%, 3.39% and 0.10% respectively.
What is the debt to equity ratio for Bank of Baroda, Bank of India and AU Small Finance Bank?
Ans. Bank of Baroda carries a debt to equity of NA (bank), Bank of India of NA (bank), and AU Small Finance Bank of NA (bank).
Which of the three trades at the highest price to book value?
Ans. Bank of Baroda, Bank of India and AU Small Finance Bank trade at price to book ratios of 0.72, 0.75 and 3.94 respectively.
Is one of Bank of Baroda, Bank of India or AU Small Finance Bank better than the others?
Ans. This comparison does not declare one stock better than another; each company scores differently across valuation, profitability and dividend metrics, and the right fit depends on an individual investor’s own criteria and research.
