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Last Updated: April 2, 2026, 2:45 am
Author: Getaka|Social: XLinkedIn

Central Bank of India: Intrinsic Value & Share Price Analysis

Fair Value

₹25.10Overvalued by 24.17%vs CMP ₹33.10

P/E (6.2) × ROE (11.4%) × BV (₹43.60) × DY (1.81%)

₹52.47Undervalued by 58.52%vs CMP ₹33.10
MoS: +36.9% (Strong)Confidence: 43/100 (Low)Models: 4 Under, 1 Fair, 2 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹33.6927%Fair (+1.8%)
Graham NumberEarnings₹72.7819%Under (+119.9%)
Earnings PowerEarnings₹25.0913%Over (-24.2%)
DCFCash Flow₹132.6313%Under (+300.7%)
Net Asset ValueAssets₹42.609%Under (+28.7%)
EV/EBITDAEnterprise₹6.1711%Over (-81.4%)
Earnings YieldEarnings₹54.009%Under (+63.1%)
Consensus (7 models)₹52.47100%Undervalued
Key Drivers: EPS CAGR 34.2% lifts DCF — verify sustainability. | Wide model spread (₹6–₹133) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 34.2%

*Investments are subject to market risks

Investment Snapshot

54
Central Bank of India scores 54/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health53/100 · Moderate
ROCE 5.5% WeakROE 11.4% AverageD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 4/5 years Consistent
Smart Money40/100 · Moderate
FII holding stable No changeDII holding down 1.05% MF sellingPromoter holding at 89.3% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum70/100 · Strong
Profit (4Q): +34% YoY Strong
Industry Rank50/100 · Moderate
P/E 6.2 vs industry 8.7 In-lineROCE 5.5% vs industry 6.2% Average

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 2:45 am

Market Cap 29,942 Cr.
Current Price 33.1
Intrinsic Value₹52.47
High / Low 41.2/31.3
Stock P/E6.20
Book Value 43.6
Dividend Yield1.81 %
ROCE5.48 %
ROE11.4 %
Face Value 10.0
PEG Ratio0.18

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Central Bank of India

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Central Bank of India 29,942 Cr. 33.1 41.2/31.36.20 43.61.81 %5.48 %11.4 % 10.0
UCO Bank 29,694 Cr. 23.7 35.1/22.211.3 26.51.65 %5.76 %8.38 % 10.0
Punjab & Sind Bank 15,632 Cr. 22.0 34.4/20.512.9 19.60.32 %5.98 %7.03 % 10.0
Bank of Maharashtra 49,903 Cr. 64.9 77.0/38.17.71 43.42.31 %5.72 %22.8 % 10.0
Indian Overseas Bank 62,411 Cr. 32.4 42.8/31.213.1 18.80.00 %5.95 %11.0 % 10.0
Industry Average144,637.54 Cr226.678.69183.822.11%6.22%14.34%7.46

All Competitor Stocks of Central Bank of India

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue6,7467,1717,2597,3777,8428,3718,3678,2358,5428,6538,6238,7779,070
Interest 3,4443,6434,0624,3384,6724,8114,8014,8074,9845,2385,2225,4765,552
Expenses 3,4014,0433,1183,5343,3773,5613,9203,5003,3734,0673,3953,3283,863
Financing Profit-99-51479-495-207-1-354-71185-6526-28-345
Financing Margin %-1%-7%1%-7%-3%-0%-4%-1%2%-8%0%-0%-4%
Other Income 9191,4249591,0621,3291,3631,1661,6491,2321,8231,8721,5071,937
Depreciation 0000000000000
Profit before tax 8209101,0385671,1221,3638121,5781,4181,1711,8781,4791,592
Tax % 43%37%59%-7%35%40%-9%42%32%11%33%18%21%
Net Profit 4765924986237388179459269661,1061,2841,2341,265
EPS in Rs 0.550.680.570.720.850.941.091.061.111.221.421.361.40
Gross NPA %8.83%8.41%4.95%4.61%4.50%4.50%4.54%4.59%3.87%3.18%3.14%3.02%2.71%
Net NPA %2.09%1.77%1.75%1.64%1.28%1.24%0.75%0.70%0.61%0.56%0.50%0.49%0.46%

Last Updated: February 6, 2026, 9:46 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 23, 2026, 5:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue24,47826,47625,98824,77524,16322,74923,67622,83022,90325,65730,84933,79735,123
Interest 17,96319,20018,88918,16617,60315,93516,00514,54313,36113,90517,88219,83021,488
Expenses 9,4898,62011,52912,74414,01514,58012,13512,41910,47712,77813,09914,31414,654
Financing Profit-2,974-1,344-4,430-6,136-7,455-7,766-4,464-4,133-934-1,026-133-346-1,019
Financing Margin %-12%-5%-17%-25%-31%-34%-19%-18%-4%-4%-0%-1%-3%
Other Income 1,9311,9002,0192,8712,6202,4163,6222,9942,9864,1644,8145,9967,138
Depreciation 2092302402582602782852932973865005580
Profit before tax -1,252327-2,651-3,523-5,096-5,628-1,127-1,4311,7552,7524,1815,0926,120
Tax % 0%-89%-47%-31%0%0%0%-30%38%39%36%23%
Net Profit -1,209670-1,392-2,457-5,134-5,611-1,252-9951,0831,6882,6773,9434,890
EPS in Rs -8.994.02-8.26-12.93-19.63-13.88-2.20-1.701.241.933.074.355.40
Dividend Payout % 0%12%0%0%0%0%0%0%0%0%0%4%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)155.42%-307.76%-76.51%-108.95%-9.29%77.69%20.53%208.84%55.86%58.59%47.29%
Change in YoY Net Profit Growth (%)0.00%-463.18%231.25%-32.45%99.66%86.98%-57.16%188.32%-152.98%2.73%-11.30%

Central Bank of India has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:2%
5 Years:7%
3 Years:14%
TTM:7%
Compounded Profit Growth
10 Years:20%
5 Years:39%
3 Years:55%
TTM:35%
Stock Price CAGR
10 Years:-7%
5 Years:15%
3 Years:22%
1 Year:-41%
Return on Equity
10 Years:-3%
5 Years:6%
3 Years:9%
Last Year:11%

Last Updated: September 5, 2025, 1:40 am

Balance Sheet

Last Updated: December 4, 2025, 1:05 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 1,3501,6581,6901,9022,6184,0475,7105,8768,6818,6818,6819,0519,051
Reserves 13,04316,07716,81816,30915,59215,34915,82720,62118,86820,53623,69327,83029,484
Deposits246,866262,263266,686297,309295,354300,311314,201330,328343,165359,775385,541413,271445,053
Borrowing17,23219,7779,5039,6236,0265,6406,0765,7607,6638,33420,01321,82012,399
Other Liabilities 11,60312,99111,9249,5517,7596,53815,3377,3908,9159,7549,8448,4858,936
Total Liabilities 290,095312,766306,621334,695327,349331,885357,151369,974387,292407,080447,772480,457504,923
Fixed Assets 2,8142,8434,3694,3004,3534,3204,3465,1424,9644,7865,3455,2145,037
CWIP 0000000000000
Investments 86,26289,92189,08792,277102,769125,453142,526148,518140,775136,569144,010141,652160,576
Other Assets 201,018220,001213,165238,118220,227202,112210,279216,315241,553265,725298,416333,591339,310
Total Assets 290,095312,766306,621334,695327,349331,885357,151369,974387,292407,080447,772480,457504,923

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -2,4902,27428161,871-44,376-14,5101,726-2,00314,277-8,786-5,910-2,460
Cash from Investing Activity + -369-332-149-189-310-251-315-202-133-209-584-451
Cash from Financing Activity + 1,1535105991,5435,1546,7963,3965,0550001,500
Net Cash Flow -1,7062,45273263,225-39,533-7,9654,8072,84914,143-8,995-6,494-1,410
Free Cash Flow -2,8451,98913261,682-44,687-14,7611,411-2,20614,143-8,995-6,494-2,910
CFO/OP -12%18%9%514%-434%-180%16%-19%115%-68%-32%-17%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-237.00-254.00-255.00-285.00-281.00-286.00-302.00-318.00-333.00-347.00-372.00-399.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % -9%4%-8%-13%-28%-30%-6%-4%4%6%9%11%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 93.08%93.08%93.08%93.08%93.08%93.08%93.08%93.08%89.27%89.27%89.27%89.27%
FIIs 0.19%0.15%0.16%0.07%0.17%0.16%0.33%0.44%1.27%0.97%0.88%0.85%
DIIs 2.86%2.83%2.84%2.79%2.80%2.81%2.81%2.82%5.87%5.06%4.86%4.82%
Public 3.85%3.95%3.91%4.04%3.95%3.95%3.75%3.65%3.59%4.70%4.98%5.06%
No. of Shareholders 4,15,7924,34,3845,03,8975,29,5916,43,5506,85,3946,67,4356,71,0066,79,1057,18,9287,21,2727,19,939

Shareholding Pattern Chart

No. of Shareholders

Central Bank of India: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Nippon India ETF Nifty PSU Bank BeES 5,290,774 1.61 27.145,290,7742025-04-22 17:25:390%
Kotak Nifty PSU Bank ETF 3,875,902 1.61 19.883,875,9022025-04-22 17:25:390%
Nippon India Nifty Smallcap 250 Index Fund 347,231 0.26 1.78347,2312025-04-22 17:25:390%
Motilal Oswal Nifty Smallcap 250 Index Fund 218,262 0.26 1.12218,2622025-04-22 17:25:390%
SBI Nifty Smallcap 250 Index Fund 158,600 0.26 0.81158,6002025-04-22 17:25:390%
Shriram Flexi Cap Fund 117,120 0.98 0.6117,1202025-04-22 17:25:390%
ICICI Prudential Nifty Smallcap 250 Index Fund 86,080 0.26 0.4486,0802025-04-22 17:25:390%
DSP Nifty PSU Bank ETF 59,685 1.61 0.3159,6852025-04-22 17:25:390%
ICICI Prudential Nifty PSU Bank ETF 41,622 1.61 0.2141,6222025-04-22 17:25:390%
HDFC NIFTY Smallcap 250 ETF 39,304 0.26 0.239,3042025-04-22 17:25:390%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.) 4.533.071.931.31-1.73
Diluted EPS (Rs.) 4.533.071.931.31-1.73
Cash EPS (Rs.) 4.833.542.301.57-0.99
Book Value[Excl.RevalReserv]/Share (Rs.) 36.4132.5929.4527.4630.47
Book Value[Incl.RevalReserv]/Share (Rs.) 40.7537.2933.6631.7336.93
Operating Revenue / Share (Rs.)37.3435.5429.5626.3838.85
Net Profit / Share (Rs.) 4.222.971.851.23-1.50
Net Profit After MI / Share (Rs.)4.353.071.931.24-1.70
Net Profit Margin (%) 11.298.356.274.64-3.84
Net Profit After MI And SOA Nargin (%)11.648.646.544.69-4.38
Operating Profit Margin (%)19.2414.5710.168.50-7.67
Return On Assets (%) 0.810.590.410.27-0.27
Return On Equity / Networth (%)11.939.426.564.51-5.58
Net Interest Margin (X)2.902.892.882.462.23
Cost To Income (%)58.7958.1156.2658.1759.38
Interest Income / Total Assets (%)7.036.886.305.916.17
Non-Interest Income / Total Assets (%)1.221.051.000.760.85
Operating Profit / Total Assets (%)-0.42-0.47-0.60-0.49-1.09
Operating Expenses / Total Assets (%)2.422.292.181.871.83
Interest Expenses / Total Assets (%)4.123.993.413.443.93
Enterprise Value (Rs.Cr.)450790.58434493.52361649.26328723.69313506.42
EV Per Net Sales (X)13.3414.0814.1014.3513.73
Price To Book Value (X)1.171.830.820.660.53
Price To Sales (X)1.141.680.810.690.42
Retention Ratios (%) 95.68100.00100.00100.00100.00
Earnings Yield (X)0.100.050.080.06-0.10

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

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. 33665.85 Cr. and Equity Capital is Rs. 9051.40 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Banks - Public Sector9th Floor, Chandermukhi Building, Mumbai Maharashtra 400021Contact not found
Management
NamePosition Held
Mr. M V RaoManaging Director & CEO
Mr. M V Murali KrishnaExecutive Director
Mr. Vivek WahiExecutive Director
Mr. Mahendra DohareExecutive Director
Mr. Pradip Pranlal KhimaniPart Time Non Official Director
Mr. Priavrat SharmaPart Time Non Official Director
Mr. Sarada Kumar HotaShareholder Director
Mr. Hardik Mukesh ShethGovernment Nominee Director
Mr. Manoranjan DashNominee Director

FAQ

What is the intrinsic value of Central Bank of India and is it undervalued?

As of 15 April 2026, Central Bank of India's intrinsic value is ₹52.47, which is 58.52% higher than the current market price of ₹33.10, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (11.4 %), book value (₹43.6), dividend yield (1.81 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Central Bank of India?

Central Bank of India is trading at ₹33.10 as of 15 April 2026, with a FY2026-2027 high of ₹41.2 and low of ₹31.3. The stock is currently near its 52-week low. Market cap stands at ₹29,942 Cr..

How does Central Bank of India's P/E ratio compare to its industry?

Central Bank of India has a P/E ratio of 6.20, which is below the industry average of 8.69. This is broadly in line with or below the industry average.

Is Central Bank of India financially healthy?

Key indicators for Central Bank of India: ROCE of 5.48 % is on the lower side compared to the industry average of 6.22%. Dividend yield is 1.81 %.

Is Central Bank of India profitable and how is the profit trend?

Central Bank of India reported a net profit of ₹3,943 Cr in Mar 2025 on revenue of ₹33,797 Cr. Compared to ₹1,083 Cr in Mar 2022, the net profit shows an improving trend.

Does Central Bank of India pay dividends?

Central Bank of India has a dividend yield of 1.81 % at the current price of ₹33.10. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Central Bank of India. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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