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.
Management |
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Name | Position Held |
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Ms. Bhama Krishnamurthy | Non Executive Chairman |
Mr. Pralay Mondal | Managing Director & CEO |
Mr. Sumit Maheshwari | Non Executive Director |
Mr. Madhavan Menon | Non Executive Director |
Mr. Sudhin Choksey | Independent Director |
Mr. Sunil Srivastav | Independent Director |
Ms. Sharmila Abhay Karve | Independent Director |
Mr. Sharad Kumar Saxena | Independent Director |
Mr. Biswamohan Mahapatra | Ind. Non-Executive Director |
CSB Bank Ltd. Share Price Update |
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Share Price | Value |
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Today | ₹385.30 |
Previous Day | ₹392.65 |
Basic Stock Data of CSB Bank Ltd
Market Cap | 6,568 Cr. |
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Current Price | 379 |
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High / Low | 400/216 |
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Stock P/E | 11.4 |
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Book Value | 185 |
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Dividend Yield | 0.00 % |
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ROCE | 6.45 % |
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ROE | 18.7 % |
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Face Value | 10.0 |
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CSB Bank Ltd Quarterly Results
Month | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 |
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Revenue | 470 | 483 | 497 | 495 | 496 | 528 | 520 | 536 | 555 | 592 | 636 | 683 | 687 |
Interest | 241 | 231 | 221 | 228 | 217 | 224 | 216 | 225 | 230 | 242 | 288 | 319 | 344 |
Expenses | 181 | 312 | 281 | 257 | 180 | 157 | 191 | 212 | 209 | 231 | 264 | 309 | 314 |
Financing Profit | 48 | -61 | -6 | 10 | 99 | 146 | 113 | 98 | 116 | 118 | 85 | 55 | 30 |
Financing Margin % | 10% | -13% | -1% | 2% | 20% | 28% | 22% | 18% | 21% | 20% | 13% | 8% | 4% |
Other Income | 44 | 131 | 64 | 71 | 60 | 52 | 64 | 55 | 45 | 90 | 126 | 122 | 148 |
Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Profit before tax | 92 | 71 | 58 | 82 | 158 | 198 | 176 | 153 | 161 | 208 | 211 | 177 | 178 |
Tax % | 25% | 25% | 26% | 25% | 25% | 25% | 26% | 25% | 25% | 25% | 26% | 25% | 25% |
Net Profit | 69 | 53 | 43 | 61 | 119 | 148 | 131 | 115 | 121 | 156 | 156 | 132 | 133 |
EPS in Rs | 3.97 | 3.06 | 2.47 | 3.52 | 6.83 | 8.55 | 7.53 | 6.60 | 6.95 | 8.99 | 9.01 | 7.62 | 7.68 |
Gross NPA % | 3.04% | 1.77% | 2.68% | 4.88% | 4.11% | 2.62% | 1.81% | 1.79% | 1.65% | 1.45% | 1.26% | 1.27% | 1.27% |
Net NPA % | 1.30% | 0.68% | 1.17% | 3.21% | 2.63% | 1.36% | 0.68% | 0.60% | 0.57% | 0.42% | 0.35% | 0.32% | 0.33% |
CSB Bank Ltd Quarterly Chart
CSB Bank Ltd Profit & Loss
Month | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
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Revenue | 1,076 | 1,321 | 1,504 | 1,545 | 1,483 | 1,336 | 1,297 | 1,348 | 1,510 | 1,872 | 2,038 | 2,320 | 2,599 |
Interest | 769 | 982 | 1,125 | 1,189 | 1,159 | 1,023 | 912 | 908 | 918 | 931 | 885 | 986 | 1,193 |
Expenses | 355 | 394 | 442 | 555 | 643 | 589 | 644 | 859 | 656 | 911 | 748 | 873 | 1,118 |
Financing Profit | -48 | -55 | -63 | -199 | -319 | -275 | -259 | -419 | -64 | 30 | 405 | 461 | 288 |
Financing Margin % | -4% | -4% | -4% | -13% | -22% | -21% | -20% | -31% | -4% | 2% | 20% | 20% | 11% |
Other Income | 86 | 95 | 117 | 127 | 105 | 281 | 125 | 136 | 222 | 303 | 247 | 316 | 486 |
Depreciation | 9 | 7 | 7 | 11 | 14 | 15 | 16 | 17 | 24 | 41 | 38 | 43 | 0 |
Profit before tax | 30 | 33 | 47 | -82 | -228 | -9 | -149 | -300 | 134 | 293 | 614 | 734 | 774 |
Tax % | 12% | 19% | 34% | 35% | 34% | 117% | 35% | 34% | 90% | 25% | 25% | 25% | |
Net Profit | 26 | 27 | 31 | -53 | -150 | 2 | -97 | -197 | 13 | 218 | 458 | 547 | 578 |
EPS in Rs | 8.25 | 6.36 | 7.40 | -8.81 | -20.88 | 0.19 | -12.04 | -22.98 | 0.73 | 12.59 | 26.43 | 31.55 | 33.30 |
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
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Compounded Sales Growth |
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10 Years:: | 6% |
5 Years:: | 12% |
3 Years:: | 15% |
TTM:: | 22% |
CSB Bank Ltd Growth
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Compounded Profit Growth |
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10 Years:: | 35% |
5 Years:: | 50% |
3 Years:: | 245% |
TTM:: | 12% |
CSB Bank Ltd Growth
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Stock Price CAGR |
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10 Years:: | % |
5 Years:: | % |
3 Years:: | 15% |
1 Year:: | 74% |
CSB Bank Ltd Growth
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Return on Equity |
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10 Years:: | 6% |
5 Years:: | 11% |
3 Years:: | 17% |
Last Year:: | 19% |
No data available for the Balance Sheet data table.
CSB Bank Ltd Reserves and Borrowings Chart
CSB Bank Ltd Cash Flow
Month | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
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Cash from Operating Activity | | | | -356 | -166 | 395 | 27 | -893 | -1,109 | 1,374 | -852 | 2,211 |
Cash from Investing Activity | | | | -16 | -13 | -17 | -18 | -22 | -235 | -1,231 | 131 | -724 |
Cash from Financing Activity | | | | 97 | 106 | 106 | -5 | 674 | 1,310 | 632 | 581 | -1,224 |
Net Cash Flow | | | | -276 | -72 | 485 | 4 | -242 | -34 | 775 | -140 | 263 |
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CSB Bank Ltd Financial Efficiency Indicators
Month | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
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ROE % | 5% | 5% | 5% | -7% | -17% | 0% | -10% | -24% | 1% | 11% | 19% | 19% |
CSB Bank Ltd Financial Efficiency Indicators Chart
No valid data available for the Shareholding
CSB Bank Ltd Shareholding Pattern Chart
No. of CSB Bank Ltd Shareholders
CSB Bank Ltd Mutual Fund Holdings
Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) |
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SBI Small Cap Fund | 11000000 | 1.74 | 369.93 |
SBI Magnum Global Fund | 4014680 | 2.14 | 135.01 |
PGIM India Small Cap Fund | 1441929 | 2.84 | 48.49 |
Sundaram Small Cap Fund | 1039359 | 1.32 | 34.95 |
SBI Magnum Childrens Benefit Fund - Investment Plan | 1000000 | 2.71 | 33.63 |
Sundaram Services Fund | 888069 | 1.05 | 29.87 |
Sundaram Financial Services Opportunities Fund | 659310 | 2.54 | 22.17 |
Sundaram Financial Services Opportunities Fund - Institutional Plan | 659310 | 2.54 | 22.17 |
Edelweiss Small Cap Fund | 640134 | 0.88 | 21.53 |
UTI MNC Fund | 549363 | 0.71 | 18.48 |
CSB Bank Ltd Key Financial Ratios
Month | Mar 23 | Mar 22 | Mar 21 | Mar 20 | Mar 19 |
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Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Basic EPS (Rs.) | 31.55 | 26.43 | 12.59 | 0.88 | -23.73 |
Diluted EPS (Rs.) | 31.55 | 26.43 | 12.59 | 0.88 | -23.73 |
Cash EPS (Rs.) | 34.03 | 28.61 | 14.93 | 2.09 | -21.04 |
Book Value[Excl.RevalReserv]/Share (Rs.) | 175.85 | 143.96 | 116.73 | 104.00 | 148.17 |
Book Value[Incl.RevalReserv]/Share (Rs.) | 184.61 | 152.78 | 125.63 | 113.00 | 166.53 |
Operating Revenue / Share (Rs.) | 133.67 | 117.46 | 107.89 | 87.02 | 156.74 |
Net Profit / Share (Rs.) | 31.54 | 26.42 | 12.59 | 0.73 | -22.96 |
Interest Income / Employee (Rs.) | 3390810.41 | 4371244.48 | 4479173.44 | 4712504.68 | 4490221.26 |
Net Profit / Employee (Rs.) | 800118.99 | 983259.70 | 522488.52 | 39715.04 | -657844.72 |
Business / Employee (Rs.) | 66008561.91 | 77209900.06 | 80330538.28 | 84759777.78 | 85768444.52 |
Interest Income / Branch (Rs.) | 32996492.18 | 33802840.80 | 36568251.95 | 36736897.81 | 32160272.08 |
Net Profit / Branches (Rs.) | 7786079.66 | 7603548.92 | 4265628.91 | 309603.41 | -4711675.42 |
Business / Branches (Rs.) | 642339362.73 | 597064285.24 | 655823535.16 | 660755055.96 | 614298572.79 |
Net Profit Margin (%) | 23.59 | 22.49 | 11.66 | 0.84 | -14.65 |
Operating Profit Margin (%) | 9.97 | 10.38 | -9.74 | -13.83 | -24.73 |
Return On Assets (%) | 1.87 | 1.80 | 0.93 | 0.06 | -1.16 |
Return On Equity / Networth (%) | 17.93 | 18.35 | 10.78 | 0.70 | -15.49 |
Net Interest Margin (X) | 4.57 | 4.54 | 4.03 | 3.13 | 2.60 |
Cost To Income (%) | 41.82 | 41.20 | 49.43 | 46.27 | 52.12 |
Interest Income / Total Assets (%) | 7.95 | 8.03 | 8.02 | 8.00 | 7.96 |
Non-Interest Income / Total Assets (%) | 1.08 | 0.97 | 1.71 | 1.17 | 0.80 |
Operating Profit / Total Assets (%) | 0.79 | 0.83 | -0.78 | -1.10 | -1.97 |
Operating Expenses / Total Assets (%) | 3.23 | 3.10 | 3.12 | 2.82 | 3.32 |
Interest Expenses / Total Assets (%) | 3.38 | 3.49 | 3.98 | 4.86 | 5.36 |
Enterprise Value (Rs.Cr.) | 28085.31 | 24919.31 | 23868.06 | 18092.96 | 0.00 |
EV Per Net Sales (X) | 12.11 | 12.23 | 12.75 | 11.98 | 0.00 |
Price To Book Value (X) | 1.40 | 1.47 | 1.99 | 1.14 | 0.00 |
Price To Sales (X) | 1.84 | 1.80 | 2.16 | 1.36 | 0.00 |
Retention Ratios (%) | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
Earnings Yield (X) | 0.12 | 0.12 | 0.05 | 0.01 | 0.00 |
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: ₹402.27
The stock is undervalued by 6.14% compared to the current price ₹379
*This is not Investment Advice
Strength and Weakness of CSB Bank Ltd Stock
Unable to fetch valid data for stock valuation.