AUBANK - buy, sell or hold?

Seems to be an underperforming stock but also several negatives: 1. Overvalued 2. Low promoter holding (22.8%) 3. Decreasing promoter in last 3 years - down from 28.2% to 22.8% Positives: 1. Good quarterly results 2. Low debt (0.4 debt equity ratio) What is your opinion regarding AU Small Finance Bank?