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Last Updated: April 2, 2026, 3:48 am
Author: Getaka|Social: XLinkedIn

South Indian Bank Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹32.19Overvalued by 11.57%vs CMP ₹36.40

P/E (6.9) × ROE (13.8%) × BV (₹42.10) × DY (1.10%)

₹60.62Undervalued by 66.54%vs CMP ₹36.40
MoS: +40% (Strong)Confidence: 50/100 (Moderate)Models: 5 Under, 1 Fair, 1 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹64.0727%Under (+76%)
Graham NumberEarnings₹70.9219%Under (+94.8%)
Earnings PowerEarnings₹33.7713%Fair (-7.2%)
DCFCash Flow₹130.4313%Under (+258.3%)
Net Asset ValueAssets₹40.689%Under (+11.8%)
EV/EBITDAEnterprise₹3.9011%Over (-89.3%)
Earnings YieldEarnings₹53.109%Under (+45.9%)
Consensus (7 models)₹60.62100%Undervalued
Key Drivers: EPS CAGR 99.0% lifts DCF — verify sustainability. | Wide model spread (₹4–₹130) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 99.0%

*Investments are subject to market risks

Analyst Summary

South Indian Bank Ltd operates in the Finance - Banks - Private Sector segment, current market price is ₹36.40, market cap is 9,517 Cr.. At a glance, stock P/E is 6.85, ROE is 13.8 %, ROCE is 6.50 %, book value is 42.1, dividend yield is 1.10 %. The latest intrinsic value estimate is ₹60.62, which is about 66.5% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹9,413 Cr versus the prior period change of 9.3%, while latest net profit is about ₹1,303 Cr with a prior-period change of 21.8%. This analysis page also carries profit and loss, shareholding pattern, ratio panels, mutual fund holdings data, which improves the depth of the template beyond a thin price-only snapshot. The 52-week range shown on this page is 46.8/22.1, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisSouth Indian Bank Ltd. is a Public Limited Listed company incorporated on 25/01/1929 and has its registered office in the State of Kerala, India. Company's Corporate Identification Number(CIN) is L65191KL1929PLC001017 and registration number is 001017. Currently Company is involv…

This summary is generated from the stock page data available for South Indian Bank Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

61
South Indian Bank Ltd scores 61/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health62/100 · Moderate
ROCE 6.5% WeakROE 13.8% GoodD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money85/100 · Strong
FII holding up 8.98% (6mo) AccumulatingDII holding up 3.37% MF buying
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +11% YoY Positive
Industry Rank65/100 · Strong
P/E 6.9 vs industry 15.0 Cheaper than peersROCE 6.5% vs industry 6.8% Average

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:48 am

Market Cap 9,517 Cr.
Current Price 36.4
Intrinsic Value₹60.62
High / Low 46.8/22.1
Stock P/E6.85
Book Value 42.1
Dividend Yield1.10 %
ROCE6.50 %
ROE13.8 %
Face Value 1.00
PEG Ratio0.07

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

View Share Price Target for South Indian Bank Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
South Indian Bank Ltd 9,517 Cr. 36.4 46.8/22.16.85 42.11.10 %6.50 %13.8 % 1.00
Karnataka Bank Ltd 8,705 Cr. 230 239/1637.54 3332.17 %6.33 %11.1 % 10.0
Ujjivan Small Finance Bank Ltd 10,417 Cr. 53.6 68.0/32.921.1 32.10.00 %8.53 %12.4 % 10.0
Jammu & Kashmir Bank Ltd 12,583 Cr. 114 128/82.05.87 1411.88 %6.15 %15.8 % 1.00
CSB Bank Ltd 6,246 Cr. 360 575/27010.0 2710.00 %7.11 %14.3 % 10.0
Industry Average135,761.26 Cr305.6715.04214.170.61%6.84%11.80%6.30

All Competitor Stocks of South Indian Bank Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue1,8981,9732,0252,1292,1842,2752,3142,3552,3712,3732,3622,4072,518
Interest 1,0731,1161,2171,2981,3651,4001,4491,4721,5011,5051,5301,5981,637
Expenses 6296808777778378288938528169821,022852863
Financing Profit196177-7053-1847-273054-113-189-4318
Financing Margin %10%9%-3%3%-1%2%-1%1%2%-5%-8%-2%1%
Other Income -34345361356452346422410409572622516486
Depreciation -0-0-0-0-0-0-0-0-0-0-0-0-0
Profit before tax 162523292409435393395440463459433472504
Tax % 36%36%31%33%30%27%25%26%26%25%26%26%26%
Net Profit 103334202275305288294325342342322351374
EPS in Rs 0.391.280.771.051.171.101.121.241.311.311.231.341.43
Gross NPA %5.48%5.14%5.13%4.96%4.74%4.50%4.50%4.40%4.30%3.20%3.15%2.93%2.67%
Net NPA %2.26%1.86%1.85%1.70%1.61%1.46%1.44%1.31%1.25%0.92%0.68%0.56%0.45%

Last Updated: March 3, 2026, 2:14 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 4:16 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue5,0155,2865,5575,8476,1936,8777,7647,3056,5877,2338,6139,4139,660
Interest 3,6163,9204,0484,1724,2274,8575,4464,8994,3474,2215,2815,9286,270
Expenses 9941,3961,4501,7252,2392,2963,1363,4673,1062,6293,2283,4403,718
Financing Profit405-3059-50-274-276-818-1,060-86638310445-328
Financing Margin %8%-1%1%-1%-4%-4%-11%-15%-13%5%1%0%-3%
Other Income 3684975177168377261,0461,2291,0348131,5161,8132,196
Depreciation 45-16765647078838487901020
Profit before tax 72946851060050038015087841,1081,5291,7571,868
Tax % 30%34%35%35%33%35%30%29%46%30%30%26%
Net Profit 50830733339233524810562457751,0701,3031,390
EPS in Rs 2.271.371.481.741.481.090.460.240.172.964.094.985.31
Dividend Payout % 21%26%20%18%22%18%0%0%0%8%7%8%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)-39.57%8.47%17.72%-14.54%-25.97%-57.66%-40.95%-27.42%1622.22%38.06%21.78%
Change in YoY Net Profit Growth (%)0.00%48.04%9.25%-32.26%-11.43%-31.69%16.71%13.53%1649.64%-1584.16%-16.29%

South Indian 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:6%
5 Years:4%
3 Years:13%
TTM:6%
Compounded Profit Growth
10 Years:16%
5 Years:66%
3 Years:208%
TTM:15%
Stock Price CAGR
10 Years:5%
5 Years:33%
3 Years:55%
1 Year:13%
Return on Equity
10 Years:8%
5 Years:9%
3 Years:13%
Last Year:14%

Last Updated: September 5, 2025, 1:46 pm

Balance Sheet

Last Updated: December 4, 2025, 2:06 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 134135135180181181181209209209262262262
Reserves 3,2363,4573,7114,6685,0625,1565,2965,6005,6456,4658,5659,84610,374
Deposits47,69152,11255,72166,11772,03080,42083,03482,71189,14291,651101,920107,526115,635
Borrowing2,5312,0322,6151,9584,0434,9036,8934,1083,2946,9943,9124,3006,647
Other Liabilities 1,3941,3801,2941,3881,3701,6191,6281,5211,7612,3782,7542,7213,121
Total Liabilities 54,98659,11663,47574,31282,68692,27997,03394,149100,052107,698117,413124,655136,039
Fixed Assets 4044694676186426777767557527549661,0181,024
CWIP 81020383932244059124000
Investments 14,35214,08614,74419,43018,36319,08120,62520,32121,44524,64223,97721,77730,706
Other Assets 40,22244,55148,24454,22663,64272,48975,60873,03377,79682,17892,469101,860104,310
Total Assets 54,98659,11663,47574,31282,68692,27997,03394,149100,052107,698117,413124,655136,039

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 9266871091,9577931,6786565,8085,165-7,2617,075-2,353
Cash from Investing Activity + -1,850-173-1,398-1,842-824-1,175-1,577-1,092-1,741-386-1,9864,434
Cash from Financing Activity + -194-13716849836498288-138-9893,524-2,148157
Net Cash Flow -1,118377-1,121613333602-6334,5782,436-4,1232,9422,238
Free Cash Flow 860618341,8357041,5805755,7335,128-7,3706,901-2,509
CFO/OP 29%25%8%55%23%40%17%149%150%-153%142%-34%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow947.00-51.00-54.00-65.00-70.00-78.00-80.00-79.00-86.00-89.00-98.00-104.00

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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 16%9%9%9%7%5%2%1%1%12%14%14%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
FIIs 14.58%13.59%15.00%14.68%15.17%13.44%11.47%11.46%11.96%17.58%17.91%20.94%
DIIs 7.64%7.84%6.59%7.61%4.61%5.06%5.25%7.25%10.42%11.10%11.92%13.79%
Public 77.77%78.57%78.40%77.70%80.20%81.49%83.26%81.29%77.61%71.31%70.16%65.25%
No. of Shareholders 7,09,8777,15,0158,09,6648,88,39711,04,00312,08,11312,47,47112,58,79212,54,66111,97,82811,81,50511,51,966

Shareholding Pattern Chart

No. of Shareholders

South Indian Bank Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Bandhan Small Cap Fund 106,137,180 2.13 436.75106,218,3902026-03-24 00:03:58-0.08%
Kotak Multicap Fund 102,616,618 1.77 422.27N/AN/AN/A
SBI Banking & Financial Services Fund 18,780,693 0.72 77.2818,000,0002026-03-24 00:03:584.34%
Bandhan Focused Fund 17,458,656 3.56 71.8418,757,9192026-03-24 00:03:58-6.93%
WhiteOak Capital Flexi Cap Fund 9,221,846 0.52 37.954,303,4252026-02-23 07:37:52114.29%
WhiteOak Capital Mid Cap Fund 5,103,450 0.45 212,733,2282026-01-26 00:16:2086.72%
WhiteOak Capital ELSS Tax Saver Fund 432,514 0.41 1.78N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22
Face Value1.001.001.001.00
Basic EPS (Rs.) 4.985.103.700.21
Diluted EPS (Rs.) 4.985.093.700.21
Cash EPS (Rs.) 5.374.444.120.61
Book Value[Excl.RevalReserv]/Share (Rs.) 38.6333.7431.8927.97
Book Value[Incl.RevalReserv]/Share (Rs.) 38.6333.7431.8927.97
Operating Revenue / Share (Rs.)35.9832.9234.5631.47
Net Profit / Share (Rs.) 4.984.093.700.21
Net Profit After MI / Share (Rs.)4.984.093.700.21
Net Profit Margin (%) 13.8412.4210.710.68
Net Profit After MI And SOA Nargin (%)13.8412.4210.710.68
Operating Profit Margin (%)24.5922.0820.271.36
Return On Assets (%) 1.040.910.710.04
Return On Equity / Networth (%)12.8912.1211.610.76
Net Interest Margin (X)2.792.832.792.23
Cost To Income (%)57.1561.4660.5661.89
Interest Income / Total Assets (%)7.557.336.716.58
Non-Interest Income / Total Assets (%)1.451.280.751.03
Operating Profit / Total Assets (%)-0.40-0.37-0.03-0.98
Operating Expenses / Total Assets (%)2.422.532.152.02
Interest Expenses / Total Assets (%)4.754.493.914.34
Enterprise Value (Rs.Cr.)112760.79106310.3697064.2990333.37
EV Per Net Sales (X)11.9812.3413.4213.71
Price To Book Value (X)0.590.800.450.26
Price To Sales (X)0.640.820.420.23
Retention Ratios (%) 93.9794.13100.00100.00
Earnings Yield (X)0.210.140.250.02

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

South Indian Bank Ltd. is a Public Limited Listed company incorporated on 25/01/1929 and has its registered office in the State of Kerala, India. Company's Corporate Identification Number(CIN) is L65191KL1929PLC001017 and registration number is 001017. 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. 9413.31 Cr. and Equity Capital is Rs. 261.63 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Banks - Private SectorSIB House, Mission Quarters, Thrisoor Kerala 680001Contact not found
Management
NamePosition Held
Mr. V J KurianChairman
Mr. P R SeshadriManaging Director & CEO
Mr. Dolphy JoseExecutive Director
Mr. Paul AntonyNon Executive Director
Mr. Benny P ThomasNon Executive Director
Mr. R A Sankara NarayananIndependent Director
Mrs. Lakshmi Ramakrishna SrinivasIndependent Director
Mr. M George KorahIndependent Director
Mr. Pradeep M GodboleIndependent Director
Mr. Jose Joseph KattoorIndependent Director

FAQ

What is the intrinsic value of South Indian Bank Ltd and is it undervalued?

As of 21 April 2026, South Indian Bank Ltd's intrinsic value is ₹60.62, which is 66.54% higher than the current market price of ₹36.40, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (13.8 %), book value (₹42.1), dividend yield (1.10 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of South Indian Bank Ltd?

South Indian Bank Ltd is trading at ₹36.40 as of 21 April 2026, with a FY2026-2027 high of ₹46.8 and low of ₹22.1. The stock is currently in the middle of its 52-week range. Market cap stands at ₹9,517 Cr..

How does South Indian Bank Ltd's P/E ratio compare to its industry?

South Indian Bank Ltd has a P/E ratio of 6.85, which is below the industry average of 15.04. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is South Indian Bank Ltd financially healthy?

Key indicators for South Indian Bank Ltd: ROCE of 6.50 % is on the lower side compared to the industry average of 6.84%. Dividend yield is 1.10 %.

Is South Indian Bank Ltd profitable and how is the profit trend?

South Indian Bank Ltd reported a net profit of ₹1,303 Cr in Mar 2025 on revenue of ₹9,413 Cr. Compared to ₹45 Cr in Mar 2022, the net profit shows an improving trend.

Does South Indian Bank Ltd pay dividends?

South Indian Bank Ltd has a dividend yield of 1.10 % at the current price of ₹36.40. The company pays dividends, though the yield is modest.

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 South Indian 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 getaka.co.in 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
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