Share Price and Basic Stock Data
Last Updated: November 28, 2025, 7:51 am
| PEG Ratio | 1.87 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
CSB Bank Ltd operates within the private banking sector in India, having reported a revenue of ₹2,320 Cr for the fiscal year ending March 2023, which rose to ₹2,928 Cr for March 2024 and is projected at ₹3,597 Cr for March 2025. The bank’s revenue has showcased a consistent upward trajectory, with quarterly revenues hitting ₹795 Cr in March 2024 and expected to reach ₹1,041 Cr by June 2025. This upward trend highlights the bank’s effective growth strategy and market penetration. Interest income, a vital component of the bank’s revenue, saw significant growth from ₹986 Cr in March 2023 to ₹1,451 Cr in March 2024, further projected to rise to ₹2,121 Cr in March 2025. The bank’s ability to enhance revenue streams is underscored by its increasing focus on retail lending and customer acquisition, which aligns with the broader trends observed in the Indian banking sector, where digital transformation and customer-centric approaches have become paramount.
Profitability and Efficiency Metrics
CSB Bank Ltd reported a net profit of ₹621 Cr for the trailing twelve months, with a net profit margin of 16.50% for the fiscal year ending March 2025, compared to 19.36% in March 2024. The bank’s profitability has been bolstered by its efficient cost management, as reflected in a cost-to-income ratio of 62.82%. The return on equity (ROE) stood at 14.3% for the current period, showing a slight decline from 19% in March 2023, indicating a need for enhanced operational efficiency. Additionally, the bank’s return on assets (ROA) was reported at 1.24%, down from 1.57% in the previous year, suggesting that asset utilization could be improved. The financing margin has contracted notably, declining to -3% for March 2025, compared to 20% in March 2023, indicating potential challenges in interest rate management. This decline could raise concerns regarding the bank’s ability to maintain profitability amid increasing competition and economic pressures.
Balance Sheet Strength and Financial Ratios
CSB Bank’s balance sheet indicates a robust capital structure, with total assets reported at ₹47,836 Cr for March 2025, up from ₹36,056 Cr in March 2024. The bank’s reserves have also seen growth, standing at ₹4,527 Cr as of September 2025, reflecting a solid foundation for future growth. Borrowings have significantly increased to ₹5,546 Cr for March 2025, compared to ₹1,757 Cr in March 2024, which may indicate heightened leverage to support asset growth. The price-to-book value ratio is at 1.17, suggesting the stock is trading at a reasonable valuation relative to its book value. However, the decline in the net interest margin to 3.08 indicates that while the bank is growing its asset base, it may be facing challenges in maintaining profitability on its interest-earning assets. This trend necessitates close monitoring to ensure that the bank can sustain its growth without compromising financial stability.
Shareholding Pattern and Investor Confidence
The shareholding pattern of CSB Bank Ltd reveals a diversified ownership structure, with promoters holding 40% of the equity, while foreign institutional investors (FIIs) accounted for 14.23% and domestic institutional investors (DIIs) held 16.10%. The public shareholding stood at 27.29% as of September 2025, indicating a healthy distribution of equity among various stakeholders. The number of shareholders increased to 64,754, reflecting growing investor interest in the bank. Notably, the promoter holding has been stable at 40% since June 2024, suggesting a commitment to the bank’s long-term strategies. Increased participation from FIIs, which rose from 5.37% in December 2022 to 15.37% in June 2025, indicates rising confidence among foreign investors. This trend could bolster the bank’s market presence and align it with international investors’ expectations, enhancing its credibility in the financial markets.
Outlook, Risks, and Final Insight
CSB Bank Ltd stands at a crucial juncture, with strong revenue growth and a solid balance sheet underpinning its future prospects. However, it faces several challenges, including declining profitability margins and increased borrowings that could affect its financial stability. The ongoing contraction in financing margins poses a risk to sustaining profitability, especially in a competitive banking environment. Additionally, the potential for fluctuations in interest rates could impact the bank’s net interest income. On a positive note, the bank’s strong reserve position and diversified shareholder base provide a foundation for resilience. Looking ahead, CSB Bank must strategically navigate these challenges by focusing on operational efficiencies and enhancing its risk management frameworks to capitalize on growth opportunities within the evolving Indian banking landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of CSB Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,596 Cr. | 312 | 372/180 | 32.4 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,380 Cr. | 26.8 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,259 Cr. | 278 | 331/250 | 9.30 | 307 | 1.45 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,601 Cr. | 22.8 | 24.3/16.0 | 25.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,582 Cr. | 54.6 | 56.2/30.8 | 25.4 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 164,938.74 Cr | 422.98 | 18.82 | 241.49 | 0.58% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 536 | 555 | 592 | 636 | 683 | 687 | 762 | 795 | 832 | 865 | 919 | 981 | 1,041 |
| Interest | 225 | 230 | 242 | 288 | 319 | 344 | 379 | 409 | 470 | 497 | 544 | 610 | 662 |
| Expenses | 212 | 209 | 231 | 263 | 307 | 308 | 308 | 376 | 381 | 380 | 391 | 496 | 465 |
| Financing Profit | 98 | 116 | 118 | 85 | 57 | 35 | 75 | 10 | -19 | -13 | -15 | -125 | -85 |
| Financing Margin % | 18% | 21% | 20% | 13% | 8% | 5% | 10% | 1% | -2% | -2% | -2% | -13% | -8% |
| Other Income | 55 | 45 | 90 | 126 | 120 | 143 | 125 | 197 | 172 | 199 | 219 | 381 | 245 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 153 | 161 | 208 | 211 | 177 | 178 | 200 | 206 | 152 | 186 | 204 | 257 | 160 |
| Tax % | 25% | 25% | 25% | 26% | 25% | 25% | 25% | 27% | 26% | 26% | 26% | 26% | 26% |
| Net Profit | 115 | 121 | 156 | 156 | 132 | 133 | 150 | 151 | 113 | 138 | 152 | 190 | 119 |
| EPS in Rs | 6.60 | 6.95 | 8.99 | 9.01 | 7.62 | 7.68 | 8.64 | 8.73 | 6.53 | 7.98 | 8.74 | 10.98 | 6.84 |
| Gross NPA % | 1.79% | 1.65% | 1.45% | 1.26% | 1.27% | 1.27% | 1.22% | 1.47% | 1.69% | 1.68% | 1.58% | 1.57% | 1.84% |
| Net NPA % | 0.60% | 0.57% | 0.42% | 0.35% | 0.32% | 0.33% | 0.31% | 0.51% | 0.68% | 0.69% | 0.64% | 0.52% | 0.66% |
Last Updated: August 20, 2025, 11:55 am
Below is a detailed analysis of the quarterly data for CSB Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 662.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 610.00 Cr. (Mar 2025) to 662.00 Cr., marking an increase of 52.00 Cr..
- For Expenses, as of Jun 2025, the value is 465.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 496.00 Cr. (Mar 2025) to 465.00 Cr., marking a decrease of 31.00 Cr..
- For Other Income, as of Jun 2025, the value is 245.00 Cr.. The value appears to be declining and may need further review. It has decreased from 381.00 Cr. (Mar 2025) to 245.00 Cr., marking a decrease of 136.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 160.00 Cr.. The value appears to be declining and may need further review. It has decreased from 257.00 Cr. (Mar 2025) to 160.00 Cr., marking a decrease of 97.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 26.00%.
- For Net Profit, as of Jun 2025, the value is 119.00 Cr.. The value appears to be declining and may need further review. It has decreased from 190.00 Cr. (Mar 2025) to 119.00 Cr., marking a decrease of 71.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 6.84. The value appears to be declining and may need further review. It has decreased from 10.98 (Mar 2025) to 6.84, marking a decrease of 4.14.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 5:31 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,504 | 1,545 | 1,483 | 1,336 | 1,297 | 1,348 | 1,510 | 1,872 | 2,038 | 2,320 | 2,928 | 3,597 | 4,050 |
| Interest | 1,125 | 1,189 | 1,159 | 1,023 | 912 | 908 | 918 | 931 | 885 | 986 | 1,451 | 2,121 | 2,501 |
| Expenses | 442 | 555 | 643 | 589 | 644 | 859 | 656 | 911 | 748 | 873 | 1,244 | 1,572 | 1,909 |
| Financing Profit | -63 | -199 | -319 | -275 | -259 | -419 | -64 | 30 | 405 | 461 | 233 | -96 | -359 |
| Financing Margin % | -4% | -13% | -22% | -21% | -20% | -31% | -4% | 2% | 20% | 20% | 8% | -3% | -9% |
| Other Income | 117 | 127 | 105 | 281 | 125 | 136 | 222 | 303 | 247 | 316 | 584 | 972 | 1,195 |
| Depreciation | 7 | 11 | 14 | 15 | 16 | 17 | 24 | 41 | 38 | 43 | 56 | 76 | 0 |
| Profit before tax | 47 | -82 | -228 | -9 | -149 | -300 | 134 | 293 | 614 | 734 | 761 | 800 | 836 |
| Tax % | 34% | -35% | -34% | -117% | -35% | -34% | 90% | 25% | 25% | 25% | 26% | 26% | |
| Net Profit | 31 | -53 | -150 | 2 | -97 | -197 | 13 | 218 | 458 | 547 | 567 | 594 | 621 |
| EPS in Rs | 7.40 | -8.81 | -20.88 | 0.19 | -12.04 | -22.98 | 0.73 | 12.59 | 26.43 | 31.55 | 32.67 | 34.23 | 35.80 |
| Dividend Payout % | 14% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -270.97% | -183.02% | 101.33% | -4950.00% | -103.09% | 106.60% | 1576.92% | 110.09% | 19.43% | 3.66% | 4.76% |
| Change in YoY Net Profit Growth (%) | 0.00% | 87.95% | 284.35% | -5051.33% | 4846.91% | 209.69% | 1470.32% | -1466.83% | -90.66% | -15.78% | 1.11% |
CSB Bank Ltd 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: | 9% |
| 5 Years: | 19% |
| 3 Years: | 21% |
| TTM: | 24% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 30% |
| 5 Years: | 114% |
| 3 Years: | 9% |
| TTM: | 9% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 10% |
| 3 Years: | 18% |
| 1 Year: | 13% |
| Return on Equity | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 16% |
| 3 Years: | 16% |
| Last Year: | 14% |
Last Updated: September 5, 2025, 2:25 am
Balance Sheet
Last Updated: November 9, 2025, 1:52 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 42 | 60 | 72 | 81 | 81 | 86 | 174 | 174 | 174 | 174 | 174 | 174 | 174 |
| Reserves | 578 | 828 | 821 | 918 | 808 | 1,346 | 1,787 | 2,007 | 2,478 | 3,030 | 3,630 | 4,324 | 4,527 |
| Deposits | 13,674 | 14,474 | 14,438 | 14,912 | 14,691 | 15,124 | 15,791 | 19,140 | 20,188 | 24,506 | 29,719 | 36,861 | 39,651 |
| Borrowing | 556 | 45 | 42 | 42 | 42 | 0 | 794 | 1,426 | 2,007 | 783 | 1,757 | 5,546 | 4,326 |
| Other Liabilities | 316 | 351 | 279 | 271 | 249 | 356 | 319 | 591 | 509 | 670 | 776 | 931 | 1,342 |
| Total Liabilities | 15,165 | 15,760 | 15,652 | 16,223 | 15,870 | 16,911 | 18,864 | 23,337 | 25,356 | 29,162 | 36,056 | 47,836 | 50,020 |
| Fixed Assets | 48 | 175 | 215 | 215 | 216 | 218 | 253 | 269 | 288 | 319 | 406 | 450 | 671 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 179 | 0 |
| Investments | 5,132 | 4,427 | 5,987 | 5,762 | 4,114 | 4,028 | 5,360 | 6,126 | 7,012 | 5,849 | 7,551 | 11,389 | 10,799 |
| Other Assets | 9,985 | 11,158 | 9,450 | 10,246 | 11,540 | 12,666 | 13,251 | 16,942 | 18,057 | 22,994 | 28,099 | 35,818 | 38,550 |
| Total Assets | 15,165 | 15,760 | 15,652 | 16,223 | 15,870 | 16,911 | 18,864 | 23,337 | 25,356 | 29,162 | 36,056 | 47,836 | 50,020 |
Below is a detailed analysis of the balance sheet data for CSB Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 174.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 174.00 Cr..
- For Reserves, as of Sep 2025, the value is 4,527.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,324.00 Cr. (Mar 2025) to 4,527.00 Cr., marking an increase of 203.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 1,342.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 931.00 Cr. (Mar 2025) to 1,342.00 Cr., marking an increase of 411.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 50,020.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 47,836.00 Cr. (Mar 2025) to 50,020.00 Cr., marking an increase of 2,184.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 671.00 Cr.. The value appears strong and on an upward trend. It has increased from 450.00 Cr. (Mar 2025) to 671.00 Cr., marking an increase of 221.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 179.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 179.00 Cr..
- For Investments, as of Sep 2025, the value is 10,799.00 Cr.. The value appears to be declining and may need further review. It has decreased from 11,389.00 Cr. (Mar 2025) to 10,799.00 Cr., marking a decrease of 590.00 Cr..
- For Other Assets, as of Sep 2025, the value is 38,550.00 Cr.. The value appears strong and on an upward trend. It has increased from 35,818.00 Cr. (Mar 2025) to 38,550.00 Cr., marking an increase of 2,732.00 Cr..
- For Total Assets, as of Sep 2025, the value is 50,020.00 Cr.. The value appears strong and on an upward trend. It has increased from 47,836.00 Cr. (Mar 2025) to 50,020.00 Cr., marking an increase of 2,184.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 429.00 | 541.00 | 629.00 | 575.00 | 630.00 | 844.00 | 641.00 | 892.00 | 728.00 | 849.00 | -28.00 | -35.00 |
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.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 5% | -7% | -17% | 0% | -10% | -17% | 1% | 11% | 19% | 19% | 16% | 14% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI Small Cap Fund | 11,000,000 | 1.48 | 410.14 | 11,000,000 | 2025-04-22 14:12:25 | 0% |
| SBI Magnum Global Fund | 4,100,000 | 2.43 | 152.87 | 4,100,000 | 2025-04-22 15:56:59 | 0% |
| ICICI Prudential Multicap Fund | 1,258,976 | 0.4 | 46.94 | 1,258,976 | 2025-04-22 15:56:59 | 0% |
| SBI Magnum Childrens Benefit Fund - Investment Plan | 1,000,000 | 1.93 | 37.29 | 1,000,000 | 2025-04-22 15:56:59 | 0% |
| UTI MNC Fund | 998,360 | 1.31 | 37.22 | 998,360 | 2025-04-22 15:56:59 | 0% |
| Sundaram Small Cap Fund | 985,676 | 1.17 | 36.75 | 985,676 | 2025-04-22 15:56:59 | 0% |
| PGIM India Small Cap Fund | 864,358 | 2.21 | 32.23 | 864,358 | 2025-04-22 15:56:59 | 0% |
| Sundaram Services Fund | 816,126 | 0.9 | 30.43 | 816,126 | 2025-04-22 15:56:59 | 0% |
| Edelweiss Small Cap Fund | 803,668 | 0.89 | 29.96 | 803,668 | 2025-04-22 15:56:59 | 0% |
| Sundaram Financial Services Opportunities Fund | 730,965 | 2.17 | 27.25 | 730,965 | 2025-04-22 15:56:59 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 34.23 | 32.67 | 31.55 | 26.43 | 12.59 |
| Diluted EPS (Rs.) | 34.23 | 32.67 | 31.55 | 26.43 | 12.59 |
| Cash EPS (Rs.) | 38.62 | 35.86 | 34.03 | 28.61 | 14.93 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 259.18 | 209.05 | 175.85 | 143.96 | 116.73 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 259.18 | 219.18 | 184.61 | 152.78 | 125.63 |
| Operating Revenue / Share (Rs.) | 207.28 | 168.70 | 133.67 | 117.46 | 107.89 |
| Net Profit / Share (Rs.) | 34.22 | 32.66 | 31.54 | 26.42 | 12.59 |
| Interest Income / Employee (Rs.) | 4723141.28 | 3723187.46 | 3390810.41 | 4371244.48 | 4479173.44 |
| Net Profit / Employee (Rs.) | 779671.35 | 720872.19 | 800118.99 | 983259.70 | 522488.52 |
| Business / Employee (Rs.) | 89769612.13 | 68745236.30 | 66008561.91 | 77209900.06 | 80330538.28 |
| Interest Income / Branch (Rs.) | 43391367.91 | 37580774.07 | 32996492.18 | 33802840.80 | 36568251.95 |
| Net Profit / Branches (Rs.) | 7162819.06 | 7276274.71 | 7786079.66 | 7603548.92 | 4265628.91 |
| Business / Branches (Rs.) | 824710936.07 | 693894471.12 | 642339362.73 | 597064285.24 | 655823535.16 |
| Net Profit Margin (%) | 16.50 | 19.36 | 23.59 | 22.49 | 11.66 |
| Operating Profit Margin (%) | 24.25 | 27.50 | 33.17 | 32.74 | 16.27 |
| Return On Assets (%) | 1.24 | 1.57 | 1.87 | 1.80 | 0.93 |
| Return On Equity / Networth (%) | 13.20 | 15.62 | 17.93 | 18.35 | 10.78 |
| Net Interest Margin (X) | 3.08 | 4.09 | 4.57 | 4.54 | 4.03 |
| Cost To Income (%) | 62.82 | 62.15 | 57.12 | 56.16 | 54.31 |
| Interest Income / Total Assets (%) | 7.51 | 8.11 | 7.95 | 8.03 | 8.02 |
| Non-Interest Income / Total Assets (%) | 2.03 | 1.62 | 1.08 | 0.97 | 1.71 |
| Operating Profit / Total Assets (%) | -0.79 | -0.04 | 0.79 | 0.83 | -0.78 |
| Operating Expenses / Total Assets (%) | 3.21 | 3.55 | 3.23 | 3.10 | 3.12 |
| Interest Expenses / Total Assets (%) | 4.43 | 4.02 | 3.38 | 3.49 | 3.98 |
| Enterprise Value (Rs.Cr.) | 44465.68 | 34530.65 | 28085.31 | 24919.31 | 23868.06 |
| EV Per Net Sales (X) | 12.36 | 11.80 | 12.11 | 12.23 | 12.75 |
| Price To Book Value (X) | 1.17 | 1.69 | 1.40 | 1.47 | 1.99 |
| Price To Sales (X) | 1.46 | 2.10 | 1.84 | 1.80 | 2.16 |
| Retention Ratios (%) | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.11 | 0.09 | 0.12 | 0.12 | 0.05 |
After reviewing the key financial ratios for CSB Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 34.23. This value is within the healthy range. It has increased from 32.67 (Mar 24) to 34.23, marking an increase of 1.56.
- For Diluted EPS (Rs.), as of Mar 25, the value is 34.23. This value is within the healthy range. It has increased from 32.67 (Mar 24) to 34.23, marking an increase of 1.56.
- For Cash EPS (Rs.), as of Mar 25, the value is 38.62. This value is within the healthy range. It has increased from 35.86 (Mar 24) to 38.62, marking an increase of 2.76.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 259.18. It has increased from 209.05 (Mar 24) to 259.18, marking an increase of 50.13.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 259.18. It has increased from 219.18 (Mar 24) to 259.18, marking an increase of 40.00.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 34.22. This value is within the healthy range. It has increased from 32.66 (Mar 24) to 34.22, marking an increase of 1.56.
- For Net Profit Margin (%), as of Mar 25, the value is 16.50. This value exceeds the healthy maximum of 10. It has decreased from 19.36 (Mar 24) to 16.50, marking a decrease of 2.86.
- For Return On Assets (%), as of Mar 25, the value is 1.24. This value is below the healthy minimum of 5. It has decreased from 1.57 (Mar 24) to 1.24, marking a decrease of 0.33.
- For Retention Ratios (%), as of Mar 25, the value is 100.00. This value exceeds the healthy maximum of 70. There is no change compared to the previous period (Mar 24) which recorded 100.00.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in CSB Bank Ltd:
- Net Profit Margin: 16.5%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 11.7 (Industry average Stock P/E: 18.82)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 16.5%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | 'CSB Bhavan', Post Box No.502, Thrissur Kerala 680020 | investors@csb.co.in http://www.csb.co.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Biswamohan Mahapatra | Chairperson (NonExe.&Ind.Director) |
| Mr. Pralay Mondal | Managing Director & CEO |
| Mr. B K Divakara | Executive Director |
| Mr. Madhavan Menon | Non Executive Director |
| Mr. Sumit Maheshwari | Non Executive Director |
| Ms. Sharmila Abhay Karve | Independent Director |
| Mr. Sudhin Choksey | Independent Director |
| Mr. Sharad Kumar Saxena | Independent Director |
| Ms. Renu Kohli | Independent Director |
| Mr. Deepak Maheshwari | Independent Director |
| Mr. D N Narasimha Raju | Independent Director |
FAQ
What is the intrinsic value of CSB Bank Ltd?
CSB Bank Ltd's intrinsic value (as of 29 November 2025) is 369.98 which is 11.28% lower the current market price of 417.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 7,240 Cr. market cap, FY2025-2026 high/low of 447/266, reserves of ₹4,527 Cr, and liabilities of 50,020 Cr.
What is the Market Cap of CSB Bank Ltd?
The Market Cap of CSB Bank Ltd is 7,240 Cr..
What is the current Stock Price of CSB Bank Ltd as on 29 November 2025?
The current stock price of CSB Bank Ltd as on 29 November 2025 is 417.
What is the High / Low of CSB Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of CSB Bank Ltd stocks is 447/266.
What is the Stock P/E of CSB Bank Ltd?
The Stock P/E of CSB Bank Ltd is 11.7.
What is the Book Value of CSB Bank Ltd?
The Book Value of CSB Bank Ltd is 271.
What is the Dividend Yield of CSB Bank Ltd?
The Dividend Yield of CSB Bank Ltd is 0.00 %.
What is the ROCE of CSB Bank Ltd?
The ROCE of CSB Bank Ltd is 7.11 %.
What is the ROE of CSB Bank Ltd?
The ROE of CSB Bank Ltd is 14.3 %.
What is the Face Value of CSB Bank Ltd?
The Face Value of CSB Bank Ltd is 10.0.