About the Company - Central Bank of India
Central Bank of India is a Public Limited Listed company incorporated on 21/12/1911 and has its registered office in the State of Maharashtra, India. Company’s Corporate Identification Number(CIN) is U99999MH1911PTC000337 and registration number is 000337. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company’s Total Operating Revenue is Rs. 22801.65 Cr. and Equity Capital is Rs. 8680.94 Cr. for the Year ended 31/03/2022.
| Management |
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| Name | Position Held |
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| Mr. M V Rao | Managing Director & CEO |
| Mr. M V Murali Krishna | Executive Director |
| Mr. Vivek Wahi | Executive Director |
| Mr. Rajeev Puri | Executive Director |
| Mr. Pradip Pranlal Khimani | Part Time Non Official Director |
| Mr. Priavrat Sharma | Part Time Non Official Director |
| Mr. Dinesh Pangtey | Shareholder Director |
| Mr. Hardik Mukesh Sheth | Government Nominee Director |
| Mr. P J Thomas | Nominee Director |
Central Bank of India Share Price Update |
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| Share Price | Value |
|---|
| Today | ₹47.76 |
| Previous Day | ₹47.84 |
Basic Stock Data of Central Bank of India
| Market Cap | 41,599 Cr. |
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| Current Price | 47.9 |
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| High / Low | 56.0/22.2 |
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| Stock P/E | 19.1 |
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| Book Value | 33.7 |
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| Dividend Yield | 0.00 % |
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| ROCE | 4.29 % |
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| ROE | 5.92 % |
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| Face Value | 10.0 |
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Central Bank of India Quarterly Results
| Month | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 |
|---|
| Revenue | 6,079 | 5,809 | 4,900 | 5,494 | 5,518 | 6,075 | 5,816 | 5,555 | 6,184 | 6,746 | 7,171 | 7,259 | 7,377 |
| Interest | 3,713 | 3,571 | 3,373 | 3,356 | 3,300 | 3,324 | 3,381 | 3,397 | 3,421 | 3,444 | 3,643 | 4,062 | 4,338 |
| Expenses | 2,715 | 2,560 | 4,815 | 2,343 | 2,873 | 2,702 | 2,303 | 2,671 | 3,039 | 3,401 | 4,043 | 3,118 | 3,534 |
| Financing Profit | -349 | -321 | -3,289 | -205 | -654 | 50 | 132 | -513 | -276 | -99 | -514 | 79 | -495 |
| Financing Margin % | -6% | -6% | -67% | -4% | -12% | 1% | 2% | -9% | -4% | -1% | -7% | 1% | -7% |
| Other Income | 710 | 775 | 845 | 829 | 1,014 | 304 | 277 | 832 | 909 | 919 | 1,424 | 959 | 1,062 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 361 | 454 | -2,444 | 624 | 359 | 353 | 409 | 319 | 633 | 820 | 910 | 1,038 | 567 |
| Tax % | 54% | 62% | 45% | 67% | 29% | 19% | 22% | 24% | 49% | 43% | 37% | 59% | -7% |
| Net Profit | 130 | 169 | -1,442 | 251 | 203 | 285 | 345 | 276 | 344 | 476 | 592 | 498 | 623 |
| EPS in Rs | 0.22 | 0.28 | -2.45 | 0.29 | 0.23 | 0.33 | 0.39 | 0.31 | 0.39 | 0.55 | 0.68 | 0.57 | 0.72 |
| Gross NPA % | | 16.22% | 16.48% | 15.85% | 15.46% | 15.10% | 14.78% | 14.84% | 9.64% | 8.83% | 8.41% | 4.95% | 4.61% |
| Net NPA % | | 4.71% | 5.75% | 5.08% | 4.50% | 4.37% | 3.96% | 3.93% | 2.95% | 2.09% | 1.77% | 1.75% | 1.64% |
Central Bank of India Quarterly Chart
Central Bank of India Profit & Loss
| Month | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|
| Revenue | 19,169 | 21,897 | 24,478 | 26,476 | 25,988 | 24,775 | 24,163 | 22,749 | 23,676 | 22,830 | 22,903 | 25,657 | 28,553 |
| Interest | 13,986 | 16,141 | 17,963 | 19,200 | 18,889 | 18,166 | 17,603 | 15,935 | 16,005 | 14,543 | 13,361 | 13,905 | 15,486 |
| Expenses | 5,782 | 5,906 | 9,489 | 8,620 | 11,529 | 12,744 | 14,015 | 14,580 | 12,135 | 12,419 | 10,477 | 12,778 | 14,096 |
| Financing Profit | -599 | -150 | -2,974 | -1,344 | -4,430 | -6,136 | -7,455 | -7,766 | -4,464 | -4,133 | -934 | -1,026 | -1,029 |
| Financing Margin % | -3% | -1% | -12% | -5% | -17% | -25% | -31% | -34% | -19% | -18% | -4% | -4% | -4% |
| Other Income | 1,409 | 1,677 | 1,931 | 1,900 | 2,019 | 2,871 | 2,620 | 2,416 | 3,622 | 2,994 | 2,986 | 4,164 | 4,364 |
| Depreciation | 144 | 185 | 209 | 230 | 240 | 258 | 260 | 278 | 285 | 293 | 297 | 386 | 0 |
| Profit before tax | 667 | 1,342 | -1,252 | 327 | -2,651 | -3,523 | -5,096 | -5,628 | -1,127 | -1,431 | 1,755 | 2,752 | 3,336 |
| Tax % | 18% | 23% | -0% | -89% | 47% | 31% | -0% | -0% | -0% | 30% | 38% | 39% | |
| Net Profit | 616 | 1,071 | -1,209 | 670 | -1,392 | -2,457 | -5,134 | -5,611 | -1,252 | -995 | 1,083 | 1,688 | 2,189 |
| EPS in Rs | 8.33 | 10.22 | -8.99 | 4.02 | -8.26 | -12.93 | -19.63 | -13.88 | -2.20 | -1.70 | 1.24 | 1.93 | 2.52 |
| Dividend Payout % | 24% | 24% | -0% | 12% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | |
Central Bank of India Profit & Loss Yearly Chart
Central Bank of India Growth
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| Compounded Sales Growth |
|---|
| 10 Years:: | 2% |
| 5 Years:: | 1% |
| 3 Years:: | 3% |
| TTM:: | 21% |
Central Bank of India Growth
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| Compounded Profit Growth |
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| 10 Years:: | 5% |
| 5 Years:: | 18% |
| 3 Years:: | 50% |
| TTM:: | 32% |
Central Bank of India Growth
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| Stock Price CAGR |
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| 10 Years:: | -1% |
| 5 Years:: | 11% |
| 3 Years:: | 47% |
| 1 Year:: | 70% |
Central Bank of India Growth
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| Return on Equity |
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| 10 Years:: | -7% |
| 5 Years:: | -4% |
| 3 Years:: | 2% |
| Last Year:: | 6% |
No data available for the Balance Sheet data table.
Central Bank of India Reserves and Borrowings Chart
Central Bank of India Cash Flow
| Month | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
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| Cash from Operating Activity | -2,068 | -1,095 | -2,490 | 2,274 | 281 | 61,871 | -44,376 | -14,510 | 1,726 | -2,003 | 14,277 | -8,786 |
| Cash from Investing Activity | -231 | -435 | -369 | -332 | -149 | -189 | -310 | -251 | -315 | -202 | -133 | -209 |
| Cash from Financing Activity | 1,143 | 1,496 | 1,153 | 510 | 599 | 1,543 | 5,154 | 6,796 | 3,396 | 5,055 | 0 | 0 |
| Net Cash Flow | -1,156 | -34 | -1,706 | 2,452 | 732 | 63,225 | -39,533 | -7,965 | 4,807 | 2,849 | 14,143 | -8,995 |
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Central Bank of India Financial Efficiency Indicators Chart
Central Bank of India Share Holding Pattern
| Month | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 |
|---|
| Promoters | 89.78% | 89.78% | 93.08% | 93.08% | 93.08% | 93.08% | 93.08% | 93.08% | 93.08% | 93.08% | 93.08% | 93.08% |
| FIIs | 0.21% | 0.06% | 0.01% | 0.11% | 0.10% | 0.11% | 0.09% | 0.10% | 0.19% | 0.19% | 0.15% | 0.16% |
| DIIs | 5.68% | 4.25% | 2.74% | 2.74% | 2.75% | 2.76% | 2.81% | 2.84% | 2.88% | 2.86% | 2.83% | 2.84% |
| Public | 4.33% | 5.91% | 4.17% | 4.07% | 4.07% | 4.05% | 4.02% | 3.98% | 3.84% | 3.85% | 3.95% | 3.91% |
| No. of Shareholders | 2,25,888 | 3,31,719 | 3,56,923 | 3,59,676 | 3,68,223 | 3,68,939 | 3,70,074 | 3,76,992 | 4,15,868 | 4,15,792 | 4,34,384 | 5,03,897 |
Central Bank of India Shareholding Pattern Chart
No. of Central Bank of India Shareholders
Central Bank of India Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) |
|---|
| Nippon India ETF Nifty PSU Bank BeES | 5290774 | 1.61 | 27.14 |
| Kotak Nifty PSU Bank ETF | 3875902 | 1.61 | 19.88 |
| Nippon India Nifty Smallcap 250 Index Fund | 347231 | 0.26 | 1.78 |
| Motilal Oswal Nifty Smallcap 250 Index Fund | 218262 | 0.26 | 1.12 |
| SBI Nifty Smallcap 250 Index Fund | 158600 | 0.26 | 0.81 |
| Shriram Flexi Cap Fund | 117120 | 0.98 | 0.6 |
| ICICI Prudential Nifty Smallcap 250 Index Fund | 86080 | 0.26 | 0.44 |
| DSP Nifty PSU Bank ETF | 59685 | 1.61 | 0.31 |
| ICICI Prudential Nifty PSU Bank ETF | 41622 | 1.61 | 0.21 |
| HDFC NIFTY Smallcap 250 ETF | 39304 | 0.26 | 0.2 |
Central Bank of India ROCE Trend
Central Bank of India EPS Trend
Central Bank of India Key Financial Ratios
| Month | Mar 23 | Mar 22 | Mar 21 | Mar 20 | Mar 19 |
|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 1.93 | 1.31 | -1.73 | -2.02 | -20.10 |
| Diluted EPS (Rs.) | 1.93 | 1.31 | -1.73 | -2.02 | -20.10 |
| Cash EPS (Rs.) | 2.30 | 1.57 | -0.99 | -1.47 | -13.22 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 29.45 | 27.46 | 30.47 | 32.53 | 47.40 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 33.66 | 31.73 | 36.93 | 37.72 | 47.40 |
| Operating Revenue / Share (Rs.) | 29.56 | 26.38 | 38.85 | 41.47 | 56.21 |
| Net Profit / Share (Rs.) | 1.85 | 1.23 | -1.50 | -1.97 | -13.90 |
| Net Profit After MI / Share (Rs.) | 1.93 | 1.24 | -1.70 | -2.20 | -13.88 |
| Net Profit Margin (%) | 6.27 | 4.64 | -3.84 | -4.76 | -24.73 |
| Net Profit After MI And SOA Nargin (%) | 6.54 | 4.69 | -4.38 | -5.30 | -24.69 |
| Operating Profit Margin (%) | -9.64 | -8.30 | -17.69 | -20.06 | -35.36 |
| Return On Assets (%) | 0.41 | 0.27 | -0.27 | -0.35 | -1.69 |
| Return On Equity / Networth (%) | 6.56 | 4.51 | -5.58 | -6.76 | -29.27 |
| Net Interest Margin (X) | 2.88 | 2.46 | 2.23 | 2.14 | 2.05 |
| Cost To Income (%) | 47.83 | 44.24 | 47.42 | 45.50 | 59.04 |
| Interest Income / Total Assets (%) | 6.30 | 5.91 | 6.17 | 6.62 | 6.85 |
| Non-Interest Income / Total Assets (%) | 1.00 | 0.76 | 0.85 | 1.01 | 0.72 |
| Operating Profit / Total Assets (%) | -0.60 | -0.49 | -1.09 | -1.32 | -2.42 |
| Operating Expenses / Total Assets (%) | 2.18 | 1.87 | 1.83 | 1.94 | 1.83 |
| Interest Expenses / Total Assets (%) | 3.41 | 3.44 | 3.93 | 4.47 | 4.80 |
| Enterprise Value (Rs.Cr.) | 361649.26 | 328723.69 | 313506.42 | 297221.16 | 299943.89 |
| EV Per Net Sales (X) | 14.10 | 14.35 | 13.73 | 12.55 | 13.19 |
| Price To Book Value (X) | 0.82 | 0.66 | 0.53 | 0.37 | 0.77 |
| Price To Sales (X) | 0.81 | 0.69 | 0.42 | 0.29 | 0.64 |
| Retention Ratios (%) | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.08 | 0.06 | -0.10 | -0.18 | -0.38 |
Central Bank of India Profitability Ratios (%)
Central Bank of India Liquidity Ratios
Central Bank of India Liquidity Ratios (%)
Central Bank of India Interest Coverage Ratios (%)
Central Bank of India Valuation Ratios
Fair Value of Central Bank of India Stock
Fair Value: ₹38.87
The stock is overvalued by 18.86% compared to the current price ₹47.9
*Investments are subject to market risks
Strength and Weakness of Central Bank of India Stock
Unable to fetch valid data for stock valuation.
