CSB Bank Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 10, 2025, 12:37 pm

Market Cap	5,533 Cr.
Current Price	319
High / Low	420/266
Stock P/E	9.97
Book Value	239
Dividend Yield	0.00 %
ROCE	6.94 %
ROE	16.2 %
Face Value	10.0
PEG Ratio	0.49

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for CSB Bank Ltd

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	1,723 Cr.	208	467/180	18.4	80.6	0.00 %	7.07 %	14.4 %	10.0
Yes Bank Ltd	53,804 Cr.	17.2	28.6/16.0	24.8	15.0	0.00 %	5.81 %	3.11 %	2.00
Ujjivan Small Finance Bank Ltd	7,694 Cr.	39.8	56.2/30.8	7.91	30.0	3.77 %	11.1 %	26.7 %	10.0
South Indian Bank Ltd	6,174 Cr.	23.6	31.8/22.1	4.95	37.2	1.27 %	6.19 %	13.8 %	1.00
Karnataka Bank Ltd	6,861 Cr.	182	245/162	5.30	306	3.03 %	6.24 %	13.7 %	10.0
Industry Average	158,213.24 Cr	422.61		13.43	244.61	1.07%	7.14%	13.99%	6.14

All Competitor Stocks of CSB Bank Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	528	520	536	555	592	636	683	687	762	795	832	865	919
Interest	224	216	225	230	242	288	319	344	379	409	470	497	544
Expenses	157	191	212	209	231	263	307	308	308	376	381	380	391
Financing Profit	146	113	98	116	118	85	57	35	75	10	-19	-13	-15
Financing Margin %	28%	22%	18%	21%	20%	13%	8%	5%	10%	1%	-2%	-2%	-2%
Other Income	52	64	55	45	90	126	120	143	125	197	172	199	219
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	198	176	153	161	208	211	177	178	200	206	152	186	204
Tax %	25%	26%	25%	25%	25%	26%	25%	25%	25%	27%	26%	26%	26%
Net Profit	148	131	115	121	156	156	132	133	150	151	113	138	152
EPS in Rs	8.55	7.53	6.60	6.95	8.99	9.01	7.62	7.68	8.64	8.73	6.53	7.98	8.74
Gross NPA %	2.62%	1.81%	1.79%	1.65%	1.45%	1.26%	1.27%	1.27%	1.22%	1.47%	1.69%	1.68%	1.58%
Net NPA %	1.36%	0.68%	0.60%	0.57%	0.42%	0.35%	0.32%	0.33%	0.31%	0.51%	0.68%	0.69%	0.64%

Last Updated: March 3, 2025, 4:53 pm

Below is a detailed analysis of the quarterly data for CSB Bank Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is 544.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 497.00 Cr. (Sep 2024) to 544.00 Cr., marking an increase of 47.00 Cr..
For Expenses, as of Dec 2024, the value is 391.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 380.00 Cr. (Sep 2024) to 391.00 Cr., marking an increase of 11.00 Cr..
For Other Income, as of Dec 2024, the value is 219.00 Cr.. The value appears strong and on an upward trend. It has increased from 199.00 Cr. (Sep 2024) to 219.00 Cr., marking an increase of 20.00 Cr..
For Depreciation, as of Dec 2024, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2024, the value is 204.00 Cr.. The value appears strong and on an upward trend. It has increased from 186.00 Cr. (Sep 2024) to 204.00 Cr., marking an increase of 18.00 Cr..
For Tax %, as of Dec 2024, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 26.00%.
For Net Profit, as of Dec 2024, the value is 152.00 Cr.. The value appears strong and on an upward trend. It has increased from 138.00 Cr. (Sep 2024) to 152.00 Cr., marking an increase of 14.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 8.74. The value appears strong and on an upward trend. It has increased from 7.98 (Sep 2024) to 8.74, marking an increase of 0.76.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 4:31 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	1,321	1,504	1,545	1,483	1,336	1,297	1,348	1,510	1,872	2,038	2,320	2,928	3,411
Interest	982	1,125	1,189	1,159	1,023	912	908	918	931	885	986	1,451	1,920
Expenses	394	442	555	643	589	644	859	656	911	748	873	1,244	1,529
Financing Profit	-55	-63	-199	-319	-275	-259	-419	-64	30	405	461	233	-38
Financing Margin %	-4%	-4%	-13%	-22%	-21%	-20%	-31%	-4%	2%	20%	20%	8%	-1%
Other Income	95	117	127	105	281	125	136	222	303	247	316	584	787
Depreciation	7	7	11	14	15	16	17	24	41	38	43	56	0
Profit before tax	33	47	-82	-228	-9	-149	-300	134	293	614	734	761	749
Tax %	19%	34%	-35%	-34%	-117%	-35%	-34%	90%	25%	25%	25%	26%
Net Profit	27	31	-53	-150	2	-97	-197	13	218	458	547	567	555
EPS in Rs	6.36	7.40	-8.81	-20.88	0.19	-12.04	-22.98	0.73	12.59	26.43	31.55	32.67	31.98
Dividend Payout %	24%	14%	-0%	-0%	-0%	-0%	-0%	-0%	-0%	-0%	-0%	-0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	14.81%	-270.97%	-183.02%	101.33%	-4950.00%	-103.09%	106.60%	1576.92%	110.09%	19.43%	3.66%
Change in YoY Net Profit Growth (%)	0.00%	-285.78%	87.95%	284.35%	-5051.33%	4846.91%	209.69%	1470.32%	-1466.83%	-90.66%	-15.78%

CSB Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	7%
5 Years:	17%
3 Years:	16%
TTM:	23%

Compounded Profit Growth
10 Years:	34%
5 Years:	37%
3 Years:	37%
TTM:	-3%

Stock Price CAGR
10 Years:	%
5 Years:	22%
3 Years:	13%
1 Year:	-19%

Return on Equity
10 Years:	8%
5 Years:	14%
3 Years:	18%
Last Year:	16%

Last Updated: Unknown

Balance Sheet

Last Updated: March 14, 2025, 3:52 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	42	42	60	72	81	81	86	174	174	174	174	174	174
Reserves	538	578	828	821	918	808	1,346	1,787	2,007	2,478	3,030	3,630	3,967
Deposits	12,342	13,674	14,474	14,438	14,912	14,691	15,124	15,791	19,140	20,188	24,506	29,719	31,840
Borrowings	199	556	45	42	42	42	0	794	1,426	2,007	783	1,757	2,347
Other Liabilities	12,669	13,990	14,826	14,717	15,182	14,939	15,479	16,110	19,731	20,698	25,176	30,495	32,977
Total Liabilities	13,449	15,165	15,760	15,652	16,223	15,870	16,911	18,864	23,337	25,356	29,162	36,056	39,464
Fixed Assets	43	48	175	215	215	216	218	253	269	288	319	406	486
CWIP	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	3,301	5,132	4,427	5,987	5,762	4,114	4,028	5,360	6,126	7,012	5,849	7,551	8,370
Other Assets	10,105	9,985	11,158	9,450	10,246	11,540	12,666	13,251	16,942	18,057	22,994	28,099	30,609
Total Assets	13,449	15,165	15,760	15,652	16,223	15,870	16,911	18,864	23,337	25,356	29,162	36,056	39,464

Below is a detailed analysis of the balance sheet data for CSB Bank Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹174.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 174.00 Cr..
For Reserves, as of Sep 2024, the value is ₹3,967.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,630.00 Cr. (Mar 2024) to ₹3,967.00 Cr., marking an increase of 337.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹2,347.00 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 1,757.00 Cr. (Mar 2024) to ₹2,347.00 Cr., marking an increase of 590.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹32,977.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 30,495.00 Cr. (Mar 2024) to ₹32,977.00 Cr., marking an increase of 2,482.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹39,464.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 36,056.00 Cr. (Mar 2024) to ₹39,464.00 Cr., marking an increase of 3,408.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹486.00 Cr.. The value appears strong and on an upward trend. It has increased from 406.00 Cr. (Mar 2024) to ₹486.00 Cr., marking an increase of 80.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Investments, as of Sep 2024, the value is ₹8,370.00 Cr.. The value appears strong and on an upward trend. It has increased from 7,551.00 Cr. (Mar 2024) to ₹8,370.00 Cr., marking an increase of 819.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹30,609.00 Cr.. The value appears strong and on an upward trend. It has increased from 28,099.00 Cr. (Mar 2024) to ₹30,609.00 Cr., marking an increase of 2,510.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹39,464.00 Cr.. The value appears strong and on an upward trend. It has increased from 36,056.00 Cr. (Mar 2024) to ₹39,464.00 Cr., marking an increase of 3,408.00 Cr..

Notably, the Reserves (3,967.00 Cr.) exceed the Borrowings (2,347.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

No data available for this post.

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	382.00	429.00	541.00	629.00	575.00	630.00	844.00	641.00	892.00	728.00	849.00	-28.00

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

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	5%	5%	-7%	-17%	0%	-10%	-24%	1%	11%	19%	19%	16%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	49.72%	49.72%	49.72%	49.72%	49.72%	49.72%	49.72%	49.72%	49.72%	40.00%	40.00%	40.00%
FIIs	5.02%	5.06%	5.16%	5.37%	5.73%	5.89%	4.65%	4.62%	4.93%	12.42%	12.71%	12.80%
DIIs	12.37%	11.22%	10.49%	11.92%	11.61%	12.19%	14.35%	16.07%	15.94%	18.71%	17.59%	17.06%
Public	30.01%	31.12%	31.75%	30.10%	30.07%	29.32%	28.43%	26.74%	26.80%	26.34%	27.18%	27.63%
Others	2.88%	2.88%	2.88%	2.88%	2.88%	2.88%	2.88%	2.86%	2.62%	2.54%	2.53%	2.52%
No. of Shareholders	54,235	57,613	56,842	56,801	56,752	57,087	55,529	62,958	63,497	67,004	76,579	78,654

Shareholding Pattern Chart

No. of Shareholders

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	N/A	N/A	N/A
SBI Magnum Global Fund	4,100,000	2.43	152.87	N/A	N/A	N/A
ICICI Prudential Multicap Fund	1,258,976	0.4	46.94	N/A	N/A	N/A
SBI Magnum Childrens Benefit Fund - Investment Plan	1,000,000	1.93	37.29	N/A	N/A	N/A
UTI MNC Fund	998,360	1.31	37.22	N/A	N/A	N/A
Sundaram Small Cap Fund	985,676	1.17	36.75	N/A	N/A	N/A
PGIM India Small Cap Fund	864,358	2.21	32.23	N/A	N/A	N/A
Sundaram Services Fund	816,126	0.9	30.43	N/A	N/A	N/A
Edelweiss Small Cap Fund	803,668	0.89	29.96	N/A	N/A	N/A
Sundaram Financial Services Opportunities Fund	730,965	2.17	27.25	N/A	N/A	N/A

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
Face Value	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	32.67	31.55	26.43	12.59	0.88
Diluted EPS (Rs.)	32.67	31.55	26.43	12.59	0.88
Cash EPS (Rs.)	35.86	34.03	28.61	14.93	2.09
Book Value[Excl.RevalReserv]/Share (Rs.)	209.05	175.85	143.96	116.73	104.00
Book Value[Incl.RevalReserv]/Share (Rs.)	219.18	184.61	152.78	125.63	113.00
Operating Revenue / Share (Rs.)	168.70	133.67	117.46	107.89	87.02
Net Profit / Share (Rs.)	32.66	31.54	26.42	12.59	0.73
Interest Income / Employee (Rs.)	3723187.46	3390810.41	4371244.48	4479173.44	4712504.68
Net Profit / Employee (Rs.)	720872.19	800118.99	983259.70	522488.52	39715.04
Business / Employee (Rs.)	68745236.30	66008561.91	77209900.06	80330538.28	84759777.78
Interest Income / Branch (Rs.)	37580774.07	32996492.18	33802840.80	36568251.95	36736897.81
Net Profit / Branches (Rs.)	7276274.71	7786079.66	7603548.92	4265628.91	309603.41
Business / Branches (Rs.)	693894471.12	642339362.73	597064285.24	655823535.16	660755055.96
Net Profit Margin (%)	19.36	23.59	22.49	11.66	0.84
Operating Profit Margin (%)	-0.59	9.97	10.38	-9.74	-13.83
Return On Assets (%)	1.57	1.87	1.80	0.93	0.06
Return On Equity / Networth (%)	15.62	17.93	18.35	10.78	0.70
Net Interest Margin (X)	4.09	4.57	4.54	4.03	3.13
Cost To Income (%)	62.15	57.12	56.16	54.31	65.52
Interest Income / Total Assets (%)	8.11	7.95	8.03	8.02	8.00
Non-Interest Income / Total Assets (%)	1.62	1.08	0.97	1.71	1.17
Operating Profit / Total Assets (%)	-0.04	0.79	0.83	-0.78	-1.10
Operating Expenses / Total Assets (%)	3.55	3.23	3.10	3.12	2.82
Interest Expenses / Total Assets (%)	4.02	3.38	3.49	3.98	4.86
Enterprise Value (Rs.Cr.)	34530.65	28085.31	24919.31	23868.06	18092.96
EV Per Net Sales (X)	11.80	12.11	12.23	12.75	11.98
Price To Book Value (X)	1.69	1.40	1.47	1.99	1.14
Price To Sales (X)	2.10	1.84	1.80	2.16	1.36
Retention Ratios (%)	100.00	100.00	100.00	100.00	100.00
Earnings Yield (X)	0.09	0.12	0.12	0.05	0.01

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 24, the value is 32.67. This value is within the healthy range. It has increased from 31.55 (Mar 23) to 32.67, marking an increase of 1.12.
For Diluted EPS (Rs.), as of Mar 24, the value is 32.67. This value is within the healthy range. It has increased from 31.55 (Mar 23) to 32.67, marking an increase of 1.12.
For Cash EPS (Rs.), as of Mar 24, the value is 35.86. This value is within the healthy range. It has increased from 34.03 (Mar 23) to 35.86, marking an increase of 1.83.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 209.05. It has increased from 175.85 (Mar 23) to 209.05, marking an increase of 33.20.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 219.18. It has increased from 184.61 (Mar 23) to 219.18, marking an increase of 34.57.
For Net Profit / Share (Rs.), as of Mar 24, the value is 32.66. This value is within the healthy range. It has increased from 31.54 (Mar 23) to 32.66, marking an increase of 1.12.
For Net Profit Margin (%), as of Mar 24, the value is 19.36. This value exceeds the healthy maximum of 10. It has decreased from 23.59 (Mar 23) to 19.36, marking a decrease of 4.23.
For Return On Assets (%), as of Mar 24, the value is 1.57. This value is below the healthy minimum of 5. It has decreased from 1.87 (Mar 23) to 1.57, marking a decrease of 0.30.
For Retention Ratios (%), as of Mar 24, the value is 100.00. This value exceeds the healthy maximum of 70. There is no change compared to the previous period (Mar 23) which recorded 100.00.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of CSB Bank Ltd as of April 13, 2025 is: 314.99

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 13, 2025, CSB Bank Ltd is Overvalued by 1.26% compared to the current share price 319.00

Intrinsic Value of CSB Bank Ltd as of April 13, 2025 is: 379.55

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 13, 2025, CSB Bank Ltd is Undervalued by 18.98% compared to the current share price 319.00

Last 5 Year EPS CAGR: 20.50%

*Investments are subject to market risks

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:
1. Net Profit Margin: 19.36%
  - 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.
2. ROCE: 0% (Industry Average ROCE: 7.14%)
  - 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.
3. ROE%: 0% (Industry Average ROE: 13.99%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. 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.
5. 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.
6. Stock P/E: 9.97 (Industry average Stock P/E: 13.43)
  - 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.
7. 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

CSB Bank Ltd. is a Public Limited Listed company incorporated on 26/11/1920 and has its registered office in the State of Kerala, India. Company's Corporate Identification Number(CIN) is L65191KL1920PLC000175 and registration number is 000175. 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. 2927.54 Cr. and Equity Capital is Rs. 173.54 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Finance - Banks - Private Sector	'CSB Bhavan', Thrissur Kerala 680020	investors@csb.co.in http://www.csb.co.in

Management
Name	Position Held
Ms. Bhama Krishnamurthy	Chairman(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

FAQ

What is the intrinsic value of CSB Bank Ltd?

CSB Bank Ltd's intrinsic value (as of 12 April 2025) is ₹314.99 — 1.26% lower the current market price of 319.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 5,533 Cr. market cap, FY2025-2026 high/low of ₹420/266, reserves of 3,967 Cr, and liabilities of 39,464 Cr.

What is the Market Cap of CSB Bank Ltd?

The Market Cap of CSB Bank Ltd is 5,533 Cr..

What is the current Stock Price of CSB Bank Ltd as on 12 April 2025?

The current stock price of CSB Bank Ltd as on 12 April 2025 is 319.

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 ₹420/266.

What is the Stock P/E of CSB Bank Ltd?

The Stock P/E of CSB Bank Ltd is 9.97.

What is the Book Value of CSB Bank Ltd?

The Book Value of CSB Bank Ltd is 239.

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 6.94 %.

What is the ROE of CSB Bank Ltd?

The ROE of CSB Bank Ltd is 16.2 %.

What is the Face Value of CSB Bank Ltd?

The Face Value of CSB Bank Ltd is 10.0.