{"id":301829,"date":"2026-10-12T12:18:45","date_gmt":"2026-10-12T06:48:45","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=301829"},"modified":"2026-10-12T12:18:45","modified_gmt":"2026-10-12T06:48:45","slug":"branch-network-public-bank-stocks-growth-outlook-picks","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/","title":{"rendered":"3 Branch-Network Public Bank Stocks With a Strong Future Roadmap: Bank of Maharashtra, State Bank of India and IDBI Bank"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Bank of Maharashtra Rs 83.16, P\/E 8.37. SBI Rs 959.10, P\/E 9.68. IDBI Bank Rs 83.09, P\/E 9.57. Closing prices of 9 Oct 2026.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">Branch-network public bank stocks with the clearest long-term roadmaps today include Bank of Maharashtra in retail, MSME and agriculture lending, SBI in the largest lending franchise in the country and IDBI Bank in retail and corporate banking with a growing deposit base. FY26 revenue growth was 15.6% at Bank of Maharashtra, 7.4% at SBI and 4.6% at IDBI Bank. P\/E stands at 8.37 for Bank of Maharashtra (industry 12.00), 9.68 for SBI (industry 12.00) and 9.57 for IDBI Bank (industry 12.00). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company&#8217;s risks need equal attention.<\/p>\n<\/p><\/div>\n<p>Branch-network public bank stocks give investors exposure to loans and deposits through wide branch networks in cities, towns and villages. Credit growth, funding costs and asset quality decide how much of that reach turns into profit.<\/p>\n<p>This list covers three branch-network public bank stocks: Bank of Maharashtra for retail, MSME and agriculture lending, State Bank of India for the largest lending franchise in the country and IDBI Bank for retail and corporate banking with a growing deposit base. Every figure comes from the latest reported financials and the 9 October 2026 market close. Companies without complete current figures were left out.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=branch-network-public-bank-stocks-growth-outlook-picks\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#What_Are_Branch-Network_Public_Bank_Stocks\" title=\"What Are Branch-Network Public Bank Stocks?\">What Are Branch-Network Public Bank Stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#Branch-Network_Public_Bank_Stocks_at_a_Glance\" title=\"Branch-Network Public Bank Stocks at a Glance\">Branch-Network Public Bank Stocks at a Glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#Why_Do_Branch-Network_Public_Bank_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Branch-Network Public Bank Stocks Have a Strong Roadmap in India?\">Why Do Branch-Network Public Bank Stocks Have a Strong Roadmap in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#Bank_of_Maharashtra_Maharashtra_Deposit_Strength_Drives_the_Pipeline\" title=\"Bank of Maharashtra: Maharashtra Deposit Strength Drives the Pipeline\">Bank of Maharashtra: Maharashtra Deposit Strength Drives the Pipeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#State_Bank_of_India_Indias_Largest_Lender_Anchors_the_Roadmap\" title=\"State Bank of India: India&#8217;s Largest Lender Anchors the Roadmap\">State Bank of India: India&#8217;s Largest Lender Anchors the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#IDBI_Bank_Retail_and_Corporate_Banking_Drive_the_Pipeline\" title=\"IDBI Bank: Retail and Corporate Banking Drive the Pipeline\">IDBI Bank: Retail and Corporate Banking Drive the Pipeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#Best_Branch-Network_Public_Bank_Stocks_in_India_Bank_of_Maharashtra_vs_SBI_vs_IDBI_Bank_on_Key_Financials\" title=\"Best Branch-Network Public Bank Stocks in India: Bank of Maharashtra vs SBI vs IDBI Bank on Key Financials\">Best Branch-Network Public Bank Stocks in India: Bank of Maharashtra vs SBI vs IDBI Bank on Key Financials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#How_to_Evaluate_Branch-Network_Public_Bank_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Branch-Network Public Bank Stocks to Buy Before You Invest\">How to Evaluate Branch-Network Public Bank Stocks to Buy Before You Invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#Risks_to_Consider_Before_Investing_in_Branch-Network_Public_Bank_Stocks\" title=\"Risks to Consider Before Investing in Branch-Network Public Bank Stocks\">Risks to Consider Before Investing in Branch-Network Public Bank Stocks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#Final_Take_Which_Stock_Has_the_Strongest_Roadmap\" title=\"Final Take: Which Stock Has the Strongest Roadmap?\">Final Take: Which Stock Has the Strongest Roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#FAQs_on_Branch-Network_Public_Bank_Stocks\" title=\"FAQs on Branch-Network Public Bank Stocks\">FAQs on Branch-Network Public Bank Stocks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#Which_are_the_best_branch-network_public_bank_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best branch-network public bank stocks in India with a strong roadmap?\">Which are the best branch-network public bank stocks in India with a strong roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#Is_Bank_of_Maharashtra_a_good_stock_to_buy_now\" title=\"Is Bank of Maharashtra a good stock to buy now?\">Is Bank of Maharashtra a good stock to buy now?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#What_is_the_PE_ratio_of_Bank_of_Maharashtra_SBI_and_IDBI_Bank\" title=\"What is the P\/E ratio of Bank of Maharashtra, SBI and IDBI Bank?\">What is the P\/E ratio of Bank of Maharashtra, SBI and IDBI Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#Which_of_these_branch-network_public_bank_stocks_has_the_highest_return_on_equity\" title=\"Which of these branch-network public bank stocks has the highest return on equity?\">Which of these branch-network public bank stocks has the highest return on equity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#What_are_the_risks_of_investing_in_branch-network_public_bank_stocks\" title=\"What are the risks of investing in branch-network public bank stocks?\">What are the risks of investing in branch-network public bank stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#How_did_Bank_of_Maharashtra_SBI_and_IDBI_Bank_perform_in_Q1_FY27\" title=\"How did Bank of Maharashtra, SBI and IDBI Bank perform in Q1 FY27?\">How did Bank of Maharashtra, SBI and IDBI Bank perform in Q1 FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#Do_branch-network_public_bank_stocks_pay_dividends\" title=\"Do branch-network public bank stocks pay dividends?\">Do branch-network public bank stocks pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/branch-network-public-bank-stocks-growth-outlook-picks\/#How_can_I_invest_in_branch-network_public_bank_stocks_in_India\" title=\"How can I invest in branch-network public bank stocks in India?\">How can I invest in branch-network public bank stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Branch-Network_Public_Bank_Stocks\"><\/span><strong>What Are Branch-Network Public Bank Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Branch-network public bank stocks are shares of companies that take deposits and lend to retail, farm, small business and corporate borrowers. Results depend on credit growth, funding costs and asset quality, so asset quality and funding costs separate the stronger names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Branch-Network_Public_Bank_Stocks_at_a_Glance\"><\/span><strong>Branch-Network Public Bank Stocks at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table compares size, valuation, return on equity and debt for the three branch-network public bank stocks as of the 9 Oct 2026 close.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Company<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">CMP (Rs)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Market Cap (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">ROE<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/mahabank\/bank-of-maharashtra-share-price-today\">Bank of Maharashtra<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">83.16<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">63,109<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.37<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">22.24%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/sbin\/state-bank-of-india-share-price-today\">State Bank of India<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">959.10<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">868,292<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.68<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.29%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/idbi\/idbi-bank-ltd-share-price-today\">IDBI Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">83.09<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">89,460<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.57<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.39%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among government-owned bank stocks, all three trade at a discount to their industry P\/E multiples.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Branch-Network_Public_Bank_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Branch-Network Public Bank Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Branch-network public bank stocks have a strong roadmap in India because government-owned banks now run on cleaner balance sheets and can grow loans while sharing profit with shareholders. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Cleaner books:<\/strong> Lower bad loans leave more earnings for growth and payouts.<\/li>\n<li><strong>Wide reach:<\/strong> Large branch networks gather low-cost deposits.<\/li>\n<li><strong>Credit demand:<\/strong> Retail, farm and small business loans keep growing.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Bank_of_Maharashtra_Maharashtra_Deposit_Strength_Drives_the_Pipeline\"><\/span><strong>Bank of Maharashtra: Maharashtra Deposit Strength Drives the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank of Maharashtra&#8217;s roadmap rests on retail, MSME and agriculture lending through a public sector bank with a strong base in Maharashtra, with steady deposit growth supporting the loan book.<\/p>\n<p>Revenue grew from Rs 15,672.17 crore in FY22 to Rs 32,823.72 crore in FY26, a 109.4% rise, and FY26 revenue was 15.6% higher than FY25. FY26 net profit rose 26.6% to Rs 7,016.86 crore. In Q1 FY27, revenue grew 15.0% to Rs 9,063.53 crore, and net profit rose 26.8% to Rs 2,020.54 crore.<\/p>\n<p>Return on equity is 22.24%. Bank of Maharashtra paid a dividend of Rs 1.2 per share for FY26, a yield of 1.46%. At a P\/E of 8.37 against an industry P\/E of 12.00, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 8.37 against an industry P\/E of 12.00 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"State_Bank_of_India_Indias_Largest_Lender_Anchors_the_Roadmap\"><\/span><strong>State Bank of India: India&#8217;s Largest Lender Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SBI&#8217;s roadmap rests on the largest lending franchise in India, with retail, corporate and international banking backed by a very wide branch and digital network, and with a large deposit base and steady credit demand supporting earnings.<\/p>\n<p>Revenue grew from Rs 406,973.09 crore in FY22 to Rs 712,643.53 crore in FY26, a 75.1% rise, and FY26 revenue was 7.4% higher than FY25. FY26 net profit rose 7.8% to Rs 85,168.47 crore. Over four years, net profit rose from Rs 36,356.17 crore in FY22 to Rs 85,168.47 crore. In Q1 FY27, revenue grew 7.8% to Rs 180,061.86 crore, and net profit rose 13.7% to Rs 24,579.04 crore.<\/p>\n<p>Return on equity is 14.29%. SBI paid a dividend of Rs 17.35 per share for FY26, a yield of 1.84%. At a P\/E of 9.68 against an industry P\/E of 12.00, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 9.68 against an industry P\/E of 12.00 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"IDBI_Bank_Retail_and_Corporate_Banking_Drive_the_Pipeline\"><\/span><strong>IDBI Bank: Retail and Corporate Banking Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>IDBI Bank&#8217;s roadmap rests on retail and corporate banking with a growing deposit franchise, with loan growth and a cleaner balance sheet supporting earnings.<\/p>\n<p>Revenue grew from Rs 23,235.02 crore in FY22 to Rs 35,631.19 crore in FY26, a 53.4% rise, and FY26 revenue was 4.6% higher than FY25. FY26 net profit rose 20.6% to Rs 9,236.61 crore. Over four years, net profit rose from Rs 2,557.07 crore in FY22 to Rs 9,236.61 crore. In Q1 FY27, revenue grew 1.6% to Rs 8,633.28 crore, and net profit rose 5.3% to Rs 2,130.57 crore.<\/p>\n<p>Return on equity is 15.39%. At a P\/E of 9.57 against an industry P\/E of 12.00, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 9.57 against an industry P\/E of 12.00 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Branch-Network_Public_Bank_Stocks_in_India_Bank_of_Maharashtra_vs_SBI_vs_IDBI_Bank_on_Key_Financials\"><\/span><strong>Best Branch-Network Public Bank Stocks in India: Bank of Maharashtra vs SBI vs IDBI Bank on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best branch-network public bank stocks in India, Bank of Maharashtra leads on FY26 revenue growth and Q1 FY27 revenue growth; SBI leads on dividend yield; IDBI Bank ranks second on FY26 net profit growth and return on equity. The table puts the numbers side by side.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Metric<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Bank of Maharashtra<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">SBI<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">IDBI Bank<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">32,823.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">712,643.53<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">35,631.19<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.4%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.6%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7,016.86<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">85,168.47<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9,236.61<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">26.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.6%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 revenue growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.6%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 net profit growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">26.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.3%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Return on equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">22.24%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.29%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.39%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">P\/E ratio<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.37<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.68<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.57<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Dividend yield<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.46%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.84%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.00%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Bank earnings follow credit growth, funding costs and asset quality, so full-year numbers and quarterly trends together give a better view.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Evaluate_Branch-Network_Public_Bank_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Branch-Network Public Bank Stocks to Buy Before You Invest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A short checklist keeps the research consistent when you screen branch-network public bank stocks and shortlist branch-network public bank stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which is 12.00 for all three here.<\/li>\n<li>Check gross NPA, capital adequacy and dividend history together.<\/li>\n<li>Check whether revenue growth is turning into profit growth, not only sales.<\/li>\n<li>Read loan growth against funding costs to see how growth is financed.<\/li>\n<li>Watch capital adequacy and asset quality before sizing a position.<\/li>\n<li>Spread exposure across companies and business lines instead of one demand cycle.<\/li>\n<\/ol>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live data on these branch-network public bank stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Branch-Network_Public_Bank_Stocks\"><\/span><strong>Risks to Consider Before Investing in Branch-Network Public Bank Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Asset quality:<\/strong> A rise in bad loans can reduce profit.<\/li>\n<li><strong>Policy priorities:<\/strong> Lending targets and government choices can shape growth.<\/li>\n<li><strong>Quarterly trends:<\/strong> A single weak quarter can change near-term earnings, so track results every quarter.<\/li>\n<\/ul>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Bank of Maharashtra, SBI and IDBI Bank live.<\/em><\/p>\n<p>Annual reports and quarterly result presentations are the most reliable places to verify the numbers quoted here, because they show segment details, management commentary and the notes behind each figure.<\/p>\n<p>Comparing a quarter with the same quarter of the previous year gives a cleaner reading than comparing it with the preceding quarter, since seasonal patterns affect many businesses in India.<\/p>\n<p>The shareholding pattern published every quarter shows whether promoters, mutual funds and foreign investors are raising or trimming their holdings, which adds useful context to the financial numbers.<\/p>\n<p>Spreading money across several sectors and company sizes helps keep a portfolio steady, because each business responds differently to interest rates, commodity prices and consumer demand.<\/p>\n<p>Investors who plan to hold for several years often review results twice a year, check whether management delivered on earlier guidance and compare progress with the original reasons for investing.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Take_Which_Stock_Has_the_Strongest_Roadmap\"><\/span><strong>Final Take: Which Stock Has the Strongest Roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These three government-owned bank stocks cover retail, farm and MSME loans from banks with wide branch reach. Bank of Maharashtra leads on FY26 revenue growth and Q1 FY27 revenue growth; SBI leads on dividend yield; IDBI Bank ranks second on FY26 net profit growth and return on equity.<\/p>\n<p>Across branch-network public bank stocks, each roadmap still has to turn growth into steady profit, so independent research and position sizing matter. Investors should consult a SEBI-registered advisor before acting on any of the branch-network public bank stocks to buy discussed here.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. 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).<\/p>\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_Branch-Network_Public_Bank_Stocks\"><\/span><strong>FAQs on Branch-Network Public Bank Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_branch-network_public_bank_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best branch-network public bank stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank of Maharashtra, State Bank of India and IDBI Bank stand out for their roadmaps in retail, farm and MSME loans from banks with wide branch reach. FY26 revenue growth was 15.6% at Bank of Maharashtra, 7.4% at SBI and 4.6% at IDBI Bank, and return on equity ranges from 14.29% to 22.24%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Bank_of_Maharashtra_a_good_stock_to_buy_now\"><\/span><strong>Is Bank of Maharashtra a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank of Maharashtra has a return on equity of 22.24% and a P\/E of 8.37 against an industry P\/E of 12.00. Valuation, asset quality and rate cycles move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_PE_ratio_of_Bank_of_Maharashtra_SBI_and_IDBI_Bank\"><\/span><strong>What is the P\/E ratio of Bank of Maharashtra, SBI and IDBI Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 8.37 for Bank of Maharashtra (industry 12.00), 9.68 for SBI (industry 12.00) and 9.57 for IDBI Bank (industry 12.00). All of them trade below the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_branch-network_public_bank_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these branch-network public bank stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank of Maharashtra has the highest return on equity at 22.24%, followed by IDBI Bank at 15.39% and State Bank of India at 14.29%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_branch-network_public_bank_stocks\"><\/span><strong>What are the risks of investing in branch-network public bank stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are asset quality, policy priorities and quarterly trends. A rise in bad loans can reduce profit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Bank_of_Maharashtra_SBI_and_IDBI_Bank_perform_in_Q1_FY27\"><\/span><strong>How did Bank of Maharashtra, SBI and IDBI Bank perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank of Maharashtra reported revenue of Rs 9,063.53 crore, up 15.0% year on year, and net profit rose 26.8% to Rs 2,020.54 crore. State Bank of India reported revenue of Rs 180,061.86 crore, up 7.8% year on year, and net profit rose 13.7% to Rs 24,579.04 crore. IDBI Bank reported revenue of Rs 8,633.28 crore, up 1.6% year on year, and net profit rose 5.3% to Rs 2,130.57 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_branch-network_public_bank_stocks_pay_dividends\"><\/span><strong>Do branch-network public bank stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank of Maharashtra and SBI pay dividends. The dividend yield is 1.46% for Bank of Maharashtra and 1.84% for SBI, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_branch-network_public_bank_stocks_in_India\"><\/span><strong>How can I invest in branch-network public bank stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy branch-network public bank stocks through a demat and trading account on NSE or BSE after checking each company&#8217;s financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which are the best branch-network public bank stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank of Maharashtra, State Bank of India and IDBI Bank stand out for their roadmaps in retail, farm and MSME loans from banks with wide branch reach. FY26 revenue growth was 15.6% at Bank of Maharashtra, 7.4% at SBI and 4.6% at IDBI Bank, and return on equity ranges from 14.29% to 22.24%.\"}},{\"@type\":\"Question\",\"name\":\"Is Bank of Maharashtra a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank of Maharashtra has a return on equity of 22.24% and a P\/E of 8.37 against an industry P\/E of 12.00. Valuation, asset quality and rate cycles move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.\"}},{\"@type\":\"Question\",\"name\":\"What is the P\/E ratio of Bank of Maharashtra, SBI and IDBI Bank?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 8.37 for Bank of Maharashtra (industry 12.00), 9.68 for SBI (industry 12.00) and 9.57 for IDBI Bank (industry 12.00). All of them trade below the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these branch-network public bank stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank of Maharashtra has the highest return on equity at 22.24%, followed by IDBI Bank at 15.39% and State Bank of India at 14.29%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in branch-network public bank stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risks are asset quality, policy priorities and quarterly trends. A rise in bad loans can reduce profit.\"}},{\"@type\":\"Question\",\"name\":\"How did Bank of Maharashtra, SBI and IDBI Bank perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank of Maharashtra reported revenue of Rs 9,063.53 crore, up 15.0% year on year, and net profit rose 26.8% to Rs 2,020.54 crore. State Bank of India reported revenue of Rs 180,061.86 crore, up 7.8% year on year, and net profit rose 13.7% to Rs 24,579.04 crore. IDBI Bank reported revenue of Rs 8,633.28 crore, up 1.6% year on year, and net profit rose 5.3% to Rs 2,130.57 crore.\"}},{\"@type\":\"Question\",\"name\":\"Do branch-network public bank stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank of Maharashtra and SBI pay dividends. The dividend yield is 1.46% for Bank of Maharashtra and 1.84% for SBI, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in branch-network public bank stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy branch-network public bank stocks through a demat and trading account on NSE or BSE after checking each company's financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bank of Maharashtra, State Bank of India and IDBI Bank compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":28,"featured_media":301828,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[717,11255,11256,11257,768],"class_list":["post-301829","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-bank-of-maharashtra","tag-branch-network-public-bank-stocks","tag-branch-network-public-bank-stocks-to-buy","tag-idbi-bank","tag-state-bank-of-india"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["301828"],"rank_math_title":["Branch-Network Public Bank Stocks: Top 3 Roadmap Picks"],"rank_math_description":["Branch-network public bank stocks with a strong roadmap: Bank of Maharashtra, SBI and IDBI Bank compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["branch-network public bank stocks"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/10\/3-branch-network-public-bank-stocks-with-a-strong-future-roadmap-bank-of.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/301829","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=301829"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/301829\/revisions"}],"predecessor-version":[{"id":301830,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/301829\/revisions\/301830"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/301828"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=301829"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=301829"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=301829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}