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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.
INDUSTRYADDRESSCONTACT
Finance - Banks - Private Sector'CSB Bhavan', Thrissur Kerala 680020investors@csb.co.in
http://www.csb.co.in
Management
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
Today₹385.30
Previous Day₹392.65

Basic Stock Data of CSB Bank Ltd

Market Cap 6,568 Cr.
Current Price 379
High / Low400/216
Stock P/E11.4
Book Value 185
Dividend Yield0.00 %
ROCE6.45 %
ROE18.7 %
Face Value 10.0

CSB Bank Ltd Quarterly Results

MonthSep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Revenue470483497495496528520536555592636683687
Interest241231221228217224216225230242288319344
Expenses181312281257180157191212209231264309314
Financing Profit48-61-6109914611398116118855530
Financing Margin %10%-13%-1%2%20%28%22%18%21%20%13%8%4%
Other Income441316471605264554590126122148
Depreciation0000000000000
Profit before tax92715882158198176153161208211177178
Tax %25%25%26%25%25%25%26%25%25%25%26%25%25%
Net Profit69534361119148131115121156156132133
EPS in Rs3.973.062.473.526.838.557.536.606.958.999.017.627.68
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

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue1,0761,3211,5041,5451,4831,3361,2971,3481,5101,8722,0382,3202,599
Interest7699821,1251,1891,1591,0239129089189318859861,193
Expenses3553944425556435896448596569117488731,118
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
Depreciation9771114151617244138430
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%
TTM::22%

CSB Bank Ltd Growth

Compounded Profit Growth
10 Years::35%
5 Years::50%
3 Years::245%
TTM::12%

CSB Bank Ltd Growth

Stock Price CAGR
10 Years::%
5 Years::%
3 Years::15%
1 Year::74%

CSB Bank Ltd Growth

Return on Equity
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

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

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 NameNo of SharesAUM (%)Amount Invested (Cr)
SBI Small Cap Fund110000001.74369.93
SBI Magnum Global Fund40146802.14135.01
PGIM India Small Cap Fund14419292.8448.49
Sundaram Small Cap Fund10393591.3234.95
SBI Magnum Childrens Benefit Fund - Investment Plan10000002.7133.63
Sundaram Services Fund8880691.0529.87
Sundaram Financial Services Opportunities Fund6593102.5422.17
Sundaram Financial Services Opportunities Fund - Institutional Plan6593102.5422.17
Edelweiss Small Cap Fund6401340.8821.53
UTI MNC Fund5493630.7118.48

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 (%)7.958.038.028.007.96
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 (%)3.233.103.122.823.32
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)0.120.120.050.010.00

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.

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