Central Bank Of India

NSE: CENTRALBK  SECTOR: Bank - Public

17.55
-0.25 (-1.4%)

Price Summary

Today's High

₹ 17.95

Today's Low

₹ 17.35

52 Week High

₹ 25.8

52 Week Low

₹ 10.2

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

10020.63358062 Cr.

CASA %

46.2074067019218

No. of Shares

570.9762724 Cr.

P/E

0

P/B

0.54

Face Value

₹ 10

Div. Yield

0%

Book Value (TTM)

₹  32.3426

Net Interest Income

6772.1809 Cr.

Cost To Income %

65.961321323079

Promoter Holding

92.39%

EPS (TTM)

₹  -1.9639

CAR %

9.61%

ROE

-36.7337039781503 %

ROCE

-31.5326591391784 %

Profit Growth

-24.9197706637902 %

* 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-36.73%
3 Year-29.73%
5 Year-18.86%

ROA%

1 Year-1.72%
3 Year-1.34%
5 Year-0.86%

Net NPA%

1 Year7.73%
3 Year9.68%
5 Year8%

 NIM

1 Year2.23%
3 Year2.18%
5 Year2.3%

CAR %

9.61

Cost of Liabilities %

5.20048374625165

PEG Ratio

NA

Advances Growth %

-6.39879723507436

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 -1.34295869593626%
  • Company has a low ROE of -29.7288279926605% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 9.67666666666667%.
  • Low other Income proportion of 10.6585209462892%.
  • High Cost to income ratio of 65.961321323079%.
  • The company has very low Capital Adequacy Ratio of 9.61%.
  • The company has delivered poor Profit Growth of -225.527237496558% over the past 3 years.
  • The company has delivered poor Income growth of -4.37217658583353% over the past 3 years.
  • Poor Advances growth of -6.63035226220262% in last 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020
Interest Earned 5476.82 5714.44 5890.08 6028.88 5929.05
Other Income 1143.69 779.11 813.63 1249.41 794.68
Interest Expended 3874.36 3924.25 3999.12 4007 4003.24
Operating Expenses 1227.32 1464.47 1678.82 1574.97 2203.25
Total Provisions 4733.82 1034.78 791.33 1249.21 2178.33
Profit Before Tax -3214.99 70.05 234.44 447.11 -1661.09
Tax -737.58 -48.28 100.37 291.79 -132.02
Net Profit -2477.41 118.33 134.07 155.32 -1529.07
Net NPA % 7.73 7.98 7.9 9.26 7.63
Gross NPA % 19.29 19.93 19.89 19.99 18.92
Return on Assets % -2.96 0.15 0.17 0.19 -1.93
NPM % -45.23 2.07 2.28 2.58 -25.79

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

PARTICULARS Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Interest Earned 26408.78 25887.9 24661.41 24035.52 22638.57
Other Income 1894.23 1938.79 2875.64 2622.35 2412.94
Interest Expended 19161.71 18822.27 18087.4 17518.51 15866.39
Operating Expenses 5582.18 6361.47 6361.03 6406.37 6058.63
Total Provisions 2668.67 5312.13 6617.53 10628.96 11296.71
Profit Before Tax 890.45 -2669.19 -3528.9 -7895.97 -8170.22
Taxes 284 -1251 -1089.8 -2791.07 -2528.74
Net Profit 606.45 -1418.19 -2439.1 -5104.9 -5641.48
Adjusted EPS (Rs.) 3.66 -8.39 -12.82 -19.5 -13.94

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Equity and Liabilities
Share Capital 1658.27 1689.71 1902.17 2618.16 4047.2
Total Reserves 15798.64 15989.43 15365.97 15367.38 14887.66
Deposits 255572.39 266184.19 296671.19 294838.86 299855.44
Borrowings 25974.13 9207.89 9282.45 5706.12 5239.06
Other Liabilities 12937.06 11859.88 9497.17 7694.77 6475.77
Total Liabilities 311940.5 305466.1 333401.94 326225.28 330717.66
Assets
Balance with RBI 14114.85 14069.51 75086.76 35999.91 20779.09
Balance with Banks 695.43 1471.54 3679.78 3228.53 10420.85
Investments 89739.96 88867.54 92094.88 102631.61 125298.07
Advances 188477.53 180009.59 139398.77 156542.18 146525.36
Net Block 2833.16 4359.29 4290.37 4343.38 4310.24
Other Assets 16079.56 16688.64 18851.39 23479.67 23384.06
Total Assets 311940.5 305466.1 333401.94 326225.28 330717.66
* 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 22638.5707 Cr. revenue in the latest financial year. It has posted Poor revenue growth of -4.37217658583353 % in last 3 Years.

  • In terms of advances, the bank reported -6.39879723507436 % YOY,  fall . If you see 3 years advance growth, it stands at -6.63035226220262 %.

  • Currently the company has a CASA ratio of 46.2074067019218 %. It’s overall cost of liability stands at 5.20048374625165 %. Also, the total deposits from these accounts stood at Rs 299855.4368 Cr.

  • The Bank has a Poor ROA track record. The ROA of CentralBank of India is at -1.71749464451547 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 19.29 % and 7.73 % 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 positive at 6.28239886897675 % which means it has increased 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 24.129368 Cr.

  • The company has a inadequate Capital Adequacy Ratio of 9.61 .

  • 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 0.542627989091786 . The historical average PB was 1.13158731612902.

Brief about CentralBank of India

X