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Last Updated on: 14 April, 2024|Author: Getaka | Social: X Twitter Profile

Fundamental Analysis of CSB Bank Ltd

About the Company - CSB Bank Ltd

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. 2038.31 Cr. and Equity Capital is Rs. 173.54 Cr. for the Year ended 31/03/2022.
Finance - Banks - Private Sector'CSB Bhavan', Thrissur Kerala
NamePosition Held
Ms. Bhama KrishnamurthyNon Executive Chairman
Mr. Pralay MondalManaging Director & CEO
Mr. Sumit MaheshwariNon Executive Director
Mr. Madhavan MenonNon Executive Director
Mr. Sudhin ChokseyIndependent Director
Mr. Sunil SrivastavIndependent Director
Ms. Sharmila Abhay KarveIndependent Director
Mr. Sharad Kumar SaxenaIndependent Director
Mr. Biswamohan MahapatraInd. Non-Executive Director

CSB Bank Ltd. Share Price Update

Share PriceValue
Previous Day₹393.35

Basic Stock Data of CSB Bank Ltd

Last Updated: April 8, 2024, 5:13 am

Market Cap 6,752 Cr.
Current Price 389
High / Low422/251
Stock P/E11.8
Book Value 185
Dividend Yield0.00 %
ROCE6.45 %
ROE18.7 %
Face Value 10.0

Data Source:

CSB Bank Ltd Quarterly Results

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Financing Profit-61-610991461139811611885553575
Financing Margin %-13%-1%2%20%28%22%18%21%20%13%8%5%10%
Other Income1316471605264554590126122143125
Profit before tax715882158198176153161208211177178200
Tax %25%26%25%25%25%26%25%25%25%26%25%25%25%
Net Profit534361119148131115121156156132133150
EPS in Rs3.062.473.526.838.557.536.606.958.999.017.627.688.64
Gross NPA %1.77%2.68%4.88%4.11%2.62%1.81%1.79%1.65%1.45%1.26%1.27%1.27%1.22%
Net NPA %0.68%1.17%3.21%2.63%1.36%0.68%0.60%0.57%0.42%0.35%0.32%0.33%0.31%

Last Updated: April 4, 2024, 8:16 pm

CSB Bank Ltd Quarterly Chart

CSB Bank Ltd Profit & Loss

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Financing Profit-48-55-63-199-319-275-259-419-6430405461288
Financing Margin %-4%-4%-4%-13%-22%-21%-20%-31%-4%2%20%20%11%
Other Income8695117127105281125136222303247316486
Profit before tax303347-82-228-9-149-300134293614734774
Tax %12%19%34%35%34%117%35%34%90%25%25%25%
Net Profit262731-53-1502-97-19713218458547578
EPS in Rs8.256.367.40-8.81-20.880.19-12.04-22.980.7312.5926.4331.5533.30
Dividend Payout %18%24%14%0%0%0%0%0%0%0%0%0%

CSB Bank Ltd Profit & Loss Yearly Chart

CSB Bank Ltd Growth

Compounded Sales Growth
10 Years:6%
5 Years:12%
3 Years:15%
Compounded Profit Growth
10 Years:35%
5 Years:50%
3 Years:245%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:13%
1 Year:52%
Return on Equity
10 Years:6%
5 Years:11%
3 Years:17%
Last Year:19%

CSB Bank Ltd Balance Sheet

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital3142426072818186174174174174174
Other Liabilities3003283163512792712491,007319591509670
Total Liabilities11,97513,44915,16515,76015,65216,22315,87016,91118,86423,33725,35629,162
Fixed Assets374348175215215216218253269288319
Other Assets8,79310,1059,98511,1589,45010,24611,54012,66613,25116,94218,05722,994
Total Assets11,97513,44915,16515,76015,65216,22315,87016,91118,86423,33725,35629,162

CSB Bank Ltd Reserves and Borrowings Chart

CSB Bank Ltd Cash Flow

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity -356-16639527-893-1,1091,374-8522,211
Cash from Investing Activity -16-13-17-18-22-235-1,231131-724
Cash from Financing Activity 97106106-56741,310632581-1,224
Net Cash Flow-276-724854-242-34775-140263

CSB Bank Ltd Financial Efficiency Indicators

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
ROE %5%5%5%-7%-17%0%-10%-24%1%11%19%19%

CSB Bank Ltd Financial Efficiency Indicators Chart

CSB Bank Ltd Share Holding Pattern

MonthMar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
No. of Shareholders47,51347,13349,69150,07254,23557,61356,84256,80156,75257,08755,52962,958

CSB Bank Ltd Shareholding Pattern Chart

No. of CSB Bank Ltd Shareholders

CSB Bank Ltd Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
SBI Small Cap Fund110000001.72363.44
SBI Magnum Global Fund41000002.21135.46
PGIM India Small Cap Fund14419292.8847.64
UTI MNC Fund10621531.3835.09
SBI Magnum Childrens Benefit Fund - Investment Plan10000002.633.04
Sundaram Small Cap Fund8625691.0828.5
Edelweiss Small Cap Fund6401340.8621.15
Sundaram Financial Services Opportunities Fund4748831.7915.69
Sundaram Financial Services Opportunities Fund - Institutional Plan4748831.7915.69
UTI Banking & Financial Services Fund4465461.6414.75

CSB Bank Ltd ROCE Trend

CSB Bank Ltd EPS Trend

CSB Bank Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.)31.5526.4312.590.88-23.73
Diluted EPS (Rs.)31.5526.4312.590.88-23.73
Cash EPS (Rs.)34.0328.6114.932.09-21.04
Book Value[Excl.RevalReserv]/Share (Rs.)175.85143.96116.73104.00148.17
Book Value[Incl.RevalReserv]/Share (Rs.)184.61152.78125.63113.00166.53
Operating Revenue / Share (Rs.)133.67117.46107.8987.02156.74
Net Profit / Share (Rs.)31.5426.4212.590.73-22.96
Interest Income / Employee (Rs.)3390810.414371244.484479173.444712504.684490221.26
Net Profit / Employee (Rs.)800118.99983259.70522488.5239715.04-657844.72
Business / Employee (Rs.)66008561.9177209900.0680330538.2884759777.7885768444.52
Interest Income / Branch (Rs.)32996492.1833802840.8036568251.9536736897.8132160272.08
Net Profit / Branches (Rs.)7786079.667603548.924265628.91309603.41-4711675.42
Business / Branches (Rs.)642339362.73597064285.24655823535.16660755055.96614298572.79
Net Profit Margin (%)23.5922.4911.660.84-14.65
Operating Profit Margin (%)9.9710.38-9.74-13.83-24.73
Return On Assets (%)1.871.800.930.06-1.16
Return On Equity / Networth (%)17.9318.3510.780.70-15.49
Net Interest Margin (X)4.574.544.033.132.60
Cost To Income (%)41.8241.2049.4346.2752.12
Interest Income / Total Assets (%)7.958.
Non-Interest Income / Total Assets (%)1.080.971.711.170.80
Operating Profit / Total Assets (%)0.790.83-0.78-1.10-1.97
Operating Expenses / Total Assets (%)
Interest Expenses / Total Assets (%)3.383.493.984.865.36
Enterprise Value (Rs.Cr.)28085.3124919.3123868.0618092.960.00
EV Per Net Sales (X)12.1112.2312.7511.980.00
Price To Book Value (X)1.401.471.991.140.00
Price To Sales (X)1.841.802.161.360.00
Retention Ratios (%)100.00100.00100.00100.00100.00
Earnings Yield (X)

CSB Bank Ltd Profitability Ratios (%)

CSB Bank Ltd Liquidity Ratios

CSB Bank Ltd Liquidity Ratios (%)

CSB Bank Ltd Interest Coverage Ratios (%)

CSB Bank Ltd Valuation Ratios

Fair Value of CSB Bank Ltd Stock

Fair Value: 416.39

The stock is undervalued by 7.04% compared to the current price ₹389

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.

*Investments are subject to market risks

Strength and Weakness of CSB Bank Ltd Stock

Unable to fetch valid data for stock valuation.


What is the latest fair value of CSB Bank Ltd?

The latest fair value of CSB Bank Ltd is 416.39.

What is the Market Cap of CSB Bank Ltd?

The Market Cap of CSB Bank Ltd is 6,752 Cr..

What is the current Stock Price of CSB Bank Ltd as on 13 April 2024?

The current stock price of CSB Bank Ltd as on 13 April 2024 is 389.

What is the High / Low of CSB Bank Ltd stocks in FY 2024?

In FY 2024, the High / Low of CSB Bank Ltd stocks is ₹422/251.

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

The Stock P/E of CSB Bank Ltd is 11.8.

What is the Book Value of CSB Bank Ltd?

The Book Value of CSB Bank Ltd is 185.

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 6.45 %.

What is the ROE of CSB Bank Ltd?

The ROE of CSB Bank Ltd is 18.7 %.

What is the Face Value of CSB Bank Ltd?

The Face Value of CSB Bank Ltd is 10.0.

About the Author

Author Avatar

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

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 CSB Bank Ltd. 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 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