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Fundamental Analysis of Central Bank of India

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.
INDUSTRYADDRESSCONTACT
Finance - Banks - Public Sector9th Floor, Mumbai Maharashtra 400021investors@centralbank.co.in
http://www.centralbankofindia.co.in
Management
NamePosition Held
Mr. M V RaoManaging Director & CEO
Mr. M V Murali KrishnaExecutive Director
Mr. Vivek WahiExecutive Director
Mr. Rajeev PuriExecutive Director
Mr. Pradip Pranlal KhimaniPart Time Non Official Director
Mr. Priavrat SharmaPart Time Non Official Director
Mr. Dinesh PangteyShareholder Director
Mr. Hardik Mukesh ShethGovernment Nominee Director
Mr. P J ThomasNominee Director

Central Bank of India Share Price Update

Share PriceValue
Today₹47.76
Previous Day₹47.84

Basic Stock Data of Central Bank of India

Market Cap 41,599 Cr.
Current Price 47.9
High / Low56.0/22.2
Stock P/E19.1
Book Value 33.7
Dividend Yield0.00 %
ROCE4.29 %
ROE5.92 %
Face Value 10.0

Central Bank of India Quarterly Results

MonthSep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Revenue6,0795,8094,9005,4945,5186,0755,8165,5556,1846,7467,1717,2597,377
Interest3,7133,5713,3733,3563,3003,3243,3813,3973,4213,4443,6434,0624,338
Expenses2,7152,5604,8152,3432,8732,7022,3032,6713,0393,4014,0433,1183,534
Financing Profit-349-321-3,289-205-65450132-513-276-99-51479-495
Financing Margin %-6%-6%-67%-4%-12%1%2%-9%-4%-1%-7%1%-7%
Other Income7107758458291,0143042778329099191,4249591,062
Depreciation0000000000000
Profit before tax361454-2,4446243593534093196338209101,038567
Tax %54%62%45%67%29%19%22%24%49%43%37%59%-7%
Net Profit130169-1,442251203285345276344476592498623
EPS in Rs0.220.28-2.450.290.230.330.390.310.390.550.680.570.72
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

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue19,16921,89724,47826,47625,98824,77524,16322,74923,67622,83022,90325,65728,553
Interest13,98616,14117,96319,20018,88918,16617,60315,93516,00514,54313,36113,90515,486
Expenses5,7825,9069,4898,62011,52912,74414,01514,58012,13512,41910,47712,77814,096
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 Income1,4091,6771,9311,9002,0192,8712,6202,4163,6222,9942,9864,1644,364
Depreciation1441852092302402582602782852932973860
Profit before tax6671,342-1,252327-2,651-3,523-5,096-5,628-1,127-1,4311,7552,7523,336
Tax %18%23%-0%-89%47%31%-0%-0%-0%30%38%39%
Net Profit6161,071-1,209670-1,392-2,457-5,134-5,611-1,252-9951,0831,6882,189
EPS in Rs8.3310.22-8.994.02-8.26-12.93-19.63-13.88-2.20-1.701.241.932.52
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

Compounded Sales Growth
10 Years::2%
5 Years::1%
3 Years::3%
TTM::21%

Central Bank of India Growth

Compounded Profit Growth
10 Years::5%
5 Years::18%
3 Years::50%
TTM::32%

Central Bank of India Growth

Stock Price CAGR
10 Years::-1%
5 Years::11%
3 Years::47%
1 Year::70%

Central Bank of India Growth

Return on Equity
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

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity -2,068-1,095-2,4902,27428161,871-44,376-14,5101,726-2,00314,277-8,786
Cash from Investing Activity -231-435-369-332-149-189-310-251-315-202-133-209
Cash from Financing Activity 1,1431,4961,1535105991,5435,1546,7963,3965,05500
Net Cash Flow-1,156-34-1,7062,45273263,225-39,533-7,9654,8072,84914,143-8,995

Central Bank of India Financial Efficiency Indicators Chart

Central Bank of India Share Holding Pattern

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Promoters89.78%89.78%93.08%93.08%93.08%93.08%93.08%93.08%93.08%93.08%93.08%93.08%
FIIs0.21%0.06%0.01%0.11%0.10%0.11%0.09%0.10%0.19%0.19%0.15%0.16%
DIIs5.68%4.25%2.74%2.74%2.75%2.76%2.81%2.84%2.88%2.86%2.83%2.84%
Public4.33%5.91%4.17%4.07%4.07%4.05%4.02%3.98%3.84%3.85%3.95%3.91%
No. of Shareholders2,25,8883,31,7193,56,9233,59,6763,68,2233,68,9393,70,0743,76,9924,15,8684,15,7924,34,3845,03,897

Central Bank of India Shareholding Pattern Chart

No. of Central Bank of India Shareholders

Central Bank of India Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
Nippon India ETF Nifty PSU Bank BeES52907741.6127.14
Kotak Nifty PSU Bank ETF38759021.6119.88
Nippon India Nifty Smallcap 250 Index Fund3472310.261.78
Motilal Oswal Nifty Smallcap 250 Index Fund2182620.261.12
SBI Nifty Smallcap 250 Index Fund1586000.260.81
Shriram Flexi Cap Fund1171200.980.6
ICICI Prudential Nifty Smallcap 250 Index Fund860800.260.44
DSP Nifty PSU Bank ETF596851.610.31
ICICI Prudential Nifty PSU Bank ETF416221.610.21
HDFC NIFTY Smallcap 250 ETF393040.260.2

Central Bank of India ROCE Trend

Central Bank of India EPS Trend

Central Bank of India Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.)1.931.31-1.73-2.02-20.10
Diluted EPS (Rs.)1.931.31-1.73-2.02-20.10
Cash EPS (Rs.)2.301.57-0.99-1.47-13.22
Book Value[Excl.RevalReserv]/Share (Rs.)29.4527.4630.4732.5347.40
Book Value[Incl.RevalReserv]/Share (Rs.)33.6631.7336.9337.7247.40
Operating Revenue / Share (Rs.)29.5626.3838.8541.4756.21
Net Profit / Share (Rs.)1.851.23-1.50-1.97-13.90
Net Profit After MI / Share (Rs.)1.931.24-1.70-2.20-13.88
Net Profit Margin (%)6.274.64-3.84-4.76-24.73
Net Profit After MI And SOA Nargin (%)6.544.69-4.38-5.30-24.69
Operating Profit Margin (%)-9.64-8.30-17.69-20.06-35.36
Return On Assets (%)0.410.27-0.27-0.35-1.69
Return On Equity / Networth (%)6.564.51-5.58-6.76-29.27
Net Interest Margin (X)2.882.462.232.142.05
Cost To Income (%)47.8344.2447.4245.5059.04
Interest Income / Total Assets (%)6.305.916.176.626.85
Non-Interest Income / Total Assets (%)1.000.760.851.010.72
Operating Profit / Total Assets (%)-0.60-0.49-1.09-1.32-2.42
Operating Expenses / Total Assets (%)2.181.871.831.941.83
Interest Expenses / Total Assets (%)3.413.443.934.474.80
Enterprise Value (Rs.Cr.)361649.26328723.69313506.42297221.16299943.89
EV Per Net Sales (X)14.1014.3513.7312.5513.19
Price To Book Value (X)0.820.660.530.370.77
Price To Sales (X)0.810.690.420.290.64
Retention Ratios (%)100.00100.00100.00100.00100.00
Earnings Yield (X)0.080.06-0.10-0.18-0.38

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.