Central Bank Of India

NSE: CENTRALBK  SECTOR: Bank - Public

11.18
+0.47 (4.39%)

Price Summary

Today's High

₹ 11.45

Today's Low

₹ 10.66

52 Week High

₹ 25.8

52 Week Low

₹ 10.04

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

6568.87883028 Cr.

CASA %

46.4090563077031

No. of Shares

587.556246 Cr.

P/E

0

P/B

0.35

Face Value

₹ 10

Div. Yield

0%

Book Value (TTM)

₹  32.0945

Net Interest Income

7628.8458 Cr.

Cost To Income %

61.439066628223

Promoter Holding

92.39%

EPS (TTM)

₹  -1.8794

CAR %

11.95%

ROE

-6.53332882727711 %

ROCE

-1.4639201404552 %

Profit Growth

-4.75906182228681 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

Please login to Add & View your own added ratios.

Login

Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

ROE%

1 Year-6.53%
3 Year-26.19%
5 Year-21.03%

ROA%

1 Year-0.33%
3 Year-1.2%
5 Year-0.96%

Net NPA%

1 Year7.63%
3 Year8.82%
5 Year8.8%

 NIM

1 Year2.31%
3 Year2.24%
5 Year2.27%

CAR %

11.95

Cost of Liabilities %

4.98626245959005

PEG Ratio

NA

Advances Growth %

3.12267936503546

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2020 92.39 0
Dec 2019 92.39 0
Sep 2019 89.46 0
Jun 2019 89.46 0
Mar 2019 91.2 0
* Figures given above are % of equity capital

 Strengths

 Looks like the company does not have any notable strengths.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is -1.19722784866692%
  • Company has a low ROE of -26.1909959592841% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 8.82%.
  • High Cost to income ratio of 61.439066628223%.
  • The company has delivered poor Income growth of -1.50798587538404% over the past 3 years.
  • Poor Advances growth of 2.72339130458323% in last 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020
Interest Earned 5714.44 5890.08 6028.88 5929.05 6016.35
Other Income 779.11 813.63 1249.41 794.68 710.33
Interest Expended 3924.25 3999.12 4007 4003.24 3871.01
Operating Expenses 1464.47 1678.82 1574.97 2203.25 1564.7
Total Provisions 1034.78 791.33 1249.21 2178.33 974.64
Profit Before Tax 70.05 234.44 447.11 -1661.09 316.33
Tax -48.28 100.37 291.79 -132.02 180.9
Net Profit 118.33 134.07 155.32 -1529.07 135.43
Net NPA % 7.98 7.9 9.26 7.63 6.76
Gross NPA % 19.93 19.89 19.99 18.92 18.1
Return on Assets % 0.15 0.17 0.19 -1.93 0.17
NPM % 2.07 2.28 2.58 -25.79 2.25

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Interest Earned 25887.9 24661.41 24035.52 22638.57 23562.47
Other Income 1938.79 2875.64 2622.35 2412.94 3636.82
Interest Expended 18822.27 18087.4 17518.51 15866.39 15933.62
Operating Expenses 6361.47 6361.03 6406.37 6058.63 6921.52
Total Provisions 5312.13 6617.53 10628.96 11296.71 5253.64
Profit Before Tax -2669.19 -3528.9 -7895.97 -8170.22 -909.49
Taxes -1251 -1089.8 -2791.07 -2528.74 211.86
Net Profit -1418.19 -2439.1 -5104.9 -5641.48 -1121.35
Adjusted EPS (Rs.) -8.39 -12.82 -19.5 -13.94 -1.96

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 1689.71 1902.17 2618.16 4047.2 5709.76
Total Reserves 15989.43 15365.97 15367.38 14887.66 15719.71
Deposits 266184.19 296671.19 294838.86 299855.44 313763.16
Borrowings 9207.89 9282.45 5706.12 5239.06 5787.2
Other Liabilities 11859.88 9497.17 7694.77 6475.77 15456.02
Total Liabilities 305466.1 333401.94 326225.28 330717.66 356435.86
Assets
Balance with RBI 14069.51 75086.76 35999.91 20779.09 30021.75
Balance with Banks 1471.54 3679.78 3228.53 10420.85 6017.29
Investments 88867.54 92094.88 102631.61 125298.07 142517.54
Advances 180009.59 139398.77 156542.18 146525.36 151100.88
Net Block 4359.29 4290.37 4343.38 4310.24 4336.18
Other Assets 16688.64 18851.39 23479.67 23384.06 22442.21
Total Assets 305466.1 333401.94 326225.28 330717.66 356435.86
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Ratings & Research Reports

Company Presentations

Company News

CentralBank of India Stock Price Analysis and Quick Research Report. Is CentralBank of India an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how CentralBank of India is performing and if it is the right time to buy the stock of CentralBank of India with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. CentralBank of India has earned Rs 23562.4655 Cr. revenue in the latest financial year. It has posted Poor revenue growth of -1.50798587538404 % in last 3 Years.

  • In terms of advances, the bank reported 3.12267936503546 % YOY,  rise . If you see 3 years advance growth, it stands at 2.72339130458323 %.

  • Currently the company has a CASA ratio of 46.4090563077031 %. It’s overall cost of liability stands at 4.98626245959005 %. Also, the total deposits from these accounts stood at Rs 313763.1641 Cr.

  • The Bank has a Poor ROA track record. The ROA of CentralBank of India is at -0.32637606165264 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 18.92 % and 7.63 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -53.49409172364 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of CentralBank of India decreased and is currently at Rs 36.368216 Cr.

  • The company has a inadequate Capital Adequacy Ratio of 11.72 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently CentralBank of India is trading at a P/B of 0.348346289862749 . The historical average PB was 0.981230281214524.

Brief about CentralBank of India

X