Federal Bank shares fall over 4% post Q4 results. Should you buy, sell, or hold?

Federal Bank Q4 net profit rose 13.7% YoY to Rs 1,030.2 crore.

NII up 8.3% YoY; NIM improved to 3.12%.

Asset quality improved; gross NPA at 1.84%, net NPA at 0.44%.

Stock fell 4.2% despite strong earnings.

Brokerages maintain 'Buy' with targets between Rs 210–230