Share Price and Basic Stock Data
Last Updated: January 8, 2026, 5:26 pm
| PEG Ratio | 2.22 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
CSB Bank Ltd, operating in the private sector banking industry, reported a stock price of ₹515 with a market capitalization of ₹8,927 Cr. Over the last year, the bank’s revenue has shown a consistent upward trend, rising from ₹2,320 Cr in FY 2023 to ₹3,597 Cr in FY 2025, demonstrating a robust annual growth trajectory. The quarterly revenue figures for the Sep 2023 and Dec 2023 periods were ₹687 Cr and ₹762 Cr, respectively. This trend indicates a strong performance, with revenue for Mar 2025 projected to reach ₹981 Cr. The bank’s ability to generate interest income has also been notable, with an increase from ₹986 Cr in FY 2023 to ₹2,121 Cr in FY 2025. Such growth positions CSB Bank favorably within the competitive landscape, allowing it to capitalize on expanding market opportunities.
Profitability and Efficiency Metrics
CSB Bank’s profitability metrics reveal a mixed performance. The net profit for FY 2025 stood at ₹621 Cr, reflecting a modest increase from ₹547 Cr in FY 2023. The bank’s return on equity (ROE) was reported at 14.3%, indicating effective use of shareholders’ equity, although this is slightly below the sector average of around 15-20%. In terms of operational efficiency, the cost-to-income ratio stood at 62.82%, which is higher than the typical sector range of 50-55%, suggesting potential areas for improvement. The net interest margin (NIM) reported at 3.08x indicates a competitive stance, albeit lower than the sector’s typical range of 3.5-4.5x. Overall, while profitability is on an upward trend, CSB Bank must enhance operational efficiency to align more closely with industry benchmarks.
Balance Sheet Strength and Financial Ratios
CSB Bank’s balance sheet reflects a robust financial position with total assets reported at ₹50,020 Cr as of Sep 2025, up from ₹29,162 Cr in FY 2023. The bank’s reserves have also grown significantly, reaching ₹4,527 Cr, which strengthens its capital base. However, the gross non-performing asset (NPA) ratio has seen fluctuations, standing at 1.81% in Sep 2025, which is a slight increase from 1.26% in Mar 2023. This level is slightly above the typical sector benchmark of around 1-1.5%. Additionally, the price-to-book value ratio at 1.17x indicates a fair valuation compared to the sector average of 1.5-2.0x. The bank’s reliance on borrowings has increased significantly, with reported borrowings of ₹5,546 Cr in FY 2025, suggesting a shift towards leveraging debt for growth.
Shareholding Pattern and Investor Confidence
CSB Bank’s shareholding pattern indicates a diverse ownership structure, with promoters holding 40% of the equity as of Sep 2025, a notable decline from 49.72% in Dec 2022. This reduction may reflect strategic decisions to enhance liquidity or diversify ownership. Foreign institutional investors (FIIs) have increased their stake to 14.23%, up from 5.37% in Dec 2022, indicating growing confidence among foreign investors. Domestic institutional investors (DIIs) also hold a significant 16.10%. The total number of shareholders rose to 64,754, suggesting increasing retail investor interest. This diversified ownership could provide stability to the bank’s shares, but the declining promoter stake may raise questions about long-term control and governance.
Outlook, Risks, and Final Insight
CSB Bank’s outlook appears cautiously optimistic, driven by solid revenue growth and increasing investor confidence. However, the bank faces risks associated with rising NPAs, which could strain profitability if not managed effectively. Additionally, the higher cost-to-income ratio suggests that operational efficiency improvements are critical for sustaining growth. The bank’s reliance on borrowings to fuel expansion poses another risk, particularly if interest rates rise. In light of these factors, CSB Bank must balance growth initiatives with prudent risk management strategies to navigate potential challenges. Overall, the bank’s ability to enhance operational efficiency and maintain asset quality will be pivotal in determining its long-term success in the evolving banking landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,031 Cr. | 244 | 339/180 | 25.3 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,329 Cr. | 25.8 | 39.5/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,206 Cr. | 265 | 331/249 | 8.92 | 307 | 1.51 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,293 Cr. | 22.7 | 24.3/16.0 | 25.1 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,244 Cr. | 58.0 | 60.2/30.8 | 27.0 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,661.74 Cr | 424.34 | 18.72 | 241.49 | 0.59% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 555 | 592 | 636 | 683 | 687 | 762 | 795 | 832 | 865 | 919 | 981 | 1,041 | 1,109 |
| Interest | 230 | 242 | 288 | 319 | 344 | 379 | 409 | 470 | 497 | 544 | 610 | 662 | 686 |
| Expenses | 209 | 231 | 263 | 307 | 308 | 308 | 376 | 381 | 380 | 391 | 496 | 465 | 557 |
| Financing Profit | 116 | 118 | 85 | 57 | 35 | 75 | 10 | -19 | -13 | -15 | -125 | -85 | -134 |
| Financing Margin % | 21% | 20% | 13% | 8% | 5% | 10% | 1% | -2% | -2% | -2% | -13% | -8% | -12% |
| Other Income | 45 | 90 | 126 | 120 | 143 | 125 | 197 | 172 | 199 | 219 | 381 | 245 | 349 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 161 | 208 | 211 | 177 | 178 | 200 | 206 | 152 | 186 | 204 | 257 | 160 | 216 |
| Tax % | 25% | 25% | 26% | 25% | 25% | 25% | 27% | 26% | 26% | 26% | 26% | 26% | 26% |
| Net Profit | 121 | 156 | 156 | 132 | 133 | 150 | 151 | 113 | 138 | 152 | 190 | 119 | 160 |
| EPS in Rs | 6.95 | 8.99 | 9.01 | 7.62 | 7.68 | 8.64 | 8.73 | 6.53 | 7.98 | 8.74 | 10.98 | 6.84 | 9.24 |
| Gross NPA % | 1.65% | 1.45% | 1.26% | 1.27% | 1.27% | 1.22% | 1.47% | 1.69% | 1.68% | 1.58% | 1.57% | 1.84% | 1.81% |
| Net NPA % | 0.57% | 0.42% | 0.35% | 0.32% | 0.33% | 0.31% | 0.51% | 0.68% | 0.69% | 0.64% | 0.52% | 0.66% | 0.52% |
Last Updated: January 2, 2026, 1:03 am
Below is a detailed analysis of the quarterly data for CSB Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 686.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 662.00 Cr. (Jun 2025) to 686.00 Cr., marking an increase of 24.00 Cr..
- For Expenses, as of Sep 2025, the value is 557.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 465.00 Cr. (Jun 2025) to 557.00 Cr., marking an increase of 92.00 Cr..
- For Other Income, as of Sep 2025, the value is 349.00 Cr.. The value appears strong and on an upward trend. It has increased from 245.00 Cr. (Jun 2025) to 349.00 Cr., marking an increase of 104.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 216.00 Cr.. The value appears strong and on an upward trend. It has increased from 160.00 Cr. (Jun 2025) to 216.00 Cr., marking an increase of 56.00 Cr..
- For Tax %, as of Sep 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 26.00%.
- For Net Profit, as of Sep 2025, the value is 160.00 Cr.. The value appears strong and on an upward trend. It has increased from 119.00 Cr. (Jun 2025) to 160.00 Cr., marking an increase of 41.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 9.24. The value appears strong and on an upward trend. It has increased from 6.84 (Jun 2025) to 9.24, marking an increase of 2.40.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:28 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: December 4, 2025, 1:08 am
| 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 | 1.25 | 453.42 | 11,000,000 | 2025-04-22 14:12:25 | 0% |
| ICICI Prudential Banking and Financial Services | 1,743,185 | 0.65 | 71.85 | N/A | N/A | N/A |
| ICICI Prudential Multicap Fund | 1,688,809 | 0.43 | 69.61 | 1,258,976 | 2025-12-08 08:33:00 | 34.14% |
| Sundaram Financial Services Opportunities Fund | 1,606,226 | 3.97 | 66.21 | 1,644,042 | 2025-12-15 03:21:47 | -2.3% |
| Sundaram Small Cap Fund | 1,535,716 | 1.83 | 63.3 | 985,676 | 2025-12-08 07:53:01 | 55.8% |
| Sundaram Services Fund | 1,508,495 | 1.3 | 62.18 | 1,561,198 | 2025-12-15 03:21:47 | -3.38% |
| DSP Small Cap Fund | 1,506,430 | 0.37 | 62.1 | N/A | N/A | N/A |
| LIC MF Flexi Cap Fund | 382,980 | 1.47 | 15.79 | N/A | N/A | N/A |
| LIC MF Banking & Financial Services Fund | 125,258 | 1.76 | 5.16 | 132,282 | 2025-12-15 03:21:47 | -5.31% |
| ITI ELSS Tax Saver Fund | 92,678 | 0.87 | 3.82 | N/A | N/A | N/A |
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
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: 13.9 (Industry average Stock P/E: 18.72)
- 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 | Contact not found |
| 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 08 January 2026) is ₹439.55 which is 11.91% lower the current market price of ₹499.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹8,647 Cr. market cap, FY2025-2026 high/low of ₹575/266, 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 8,647 Cr..
What is the current Stock Price of CSB Bank Ltd as on 08 January 2026?
The current stock price of CSB Bank Ltd as on 08 January 2026 is ₹499.
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 ₹575/266.
What is the Stock P/E of CSB Bank Ltd?
The Stock P/E of CSB Bank Ltd is 13.9.
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.