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CentralBank of India share price

Central Bank Of India

NSE: CENTRALBK BSE: 532885 SECTOR: Bank - Public  169k   581   135

53.88
-0.35 (-0.65%)
NSE: Today, 03:14 PM

Price Summary

Today's High

₹ 54.76

Today's Low

₹ 53.65

52 Week High

₹ 76.9

52 Week Low

₹ 49.1

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

46772.9 Cr.

CASA %

50.05

No. of Shares

868.09 Cr.

P/E

14.1

P/B

1.61

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  33.54

Net Interest Income

12896.32 Cr.

Cost To Income %

58.18

Promoter Holding

93.08 %

EPS (TTM)

₹  3.82

CAR %

15.08

ROE

9.53 %

ROCE

11.15%

Profit Growth

61.11 %

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

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Index Presence

The company is present in 22 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year9.53%
3 Year6.99%
5 Year1.91%

ROA%

1 Year0.6%
3 Year0.42%
5 Year0.14%

Net NPA%

1 Year1.23%
3 Year2.32%
5 Year4.07%

 NIM

1 Year3.03%
3 Year2.9%
5 Year2.68%

CAR %

15.08

Cost of Liabilities %

4.4034

PEG Ratio

0.23

Advances Growth %

19.9138

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 93.08 0.00
Jun 2024 93.08 0.00
Mar 2024 93.08 0.00
Dec 2023 93.08 0.00
Sep 2023 93.08 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 50.0451% of total deposits.
  • Good Capital Adequacy Ratio of 15.08%.
  • The company has delivered good Profit growth of 69.5246729766377% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.424514051108153%
  • Company has a low ROE of 6.98527171990486% over the last 3 years.
  • High Cost to income ratio of 58.1846%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 7350.66 7809.21 8337.08 8334.79 8202.62
Other Income 1061.26 1329.72 1361.66 1165.13 1646.7
Interest Expended 4322.97 4657.36 4796.23 4787.06 4792.14
Operating Expenses 2558.51 2550.56 2839.16 2719.75 2892.25
Total Provisions 967.34 821.98 707.09 1190.85 598.06
Profit Before Tax 563.1 1109.03 1356.26 802.26 1566.87
Tax -42.33 391.17 548.92 -77.68 654.03
Net Profit 605.43 717.86 807.34 879.94 912.84
Net NPA % 1.64 1.27 1.23 0.73 0.69
Gross NPA % 4.62 4.5 4.5 4.54 4.59
Return on Assets % 0.62 0.69 0.76 0.82 0.85
NPM % 8.24 9.19 9.68 10.56 11.13

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 23562.47 22730.23 22801.65 25541.89 30722.24
Other Income 3636.82 3115.67 2968.48 4083.71 4711.28
Interest Expended 15933.62 14485.19 13314.88 13855.1 17825.91
Operating Expenses 6921.52 6782.23 7258.1 8886.74 10244.92
Total Provisions 5253.64 5902.1 3480.19 4238.43 3309.3
Profit Before Tax -909.49 -1323.61 1716.96 2645.34 4053.39
Taxes 211.86 -436.03 672.13 1063.14 1504.33
Net Profit -1121.35 -887.58 1044.83 1582.2 2549.06
Adjusted EPS (Rs.) -1.96 -1.51 1.2 1.82 2.94

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 5709.76 5875.56 8680.94 8680.94 8680.94
Total Reserves 15719.71 15829.53 18845.77 20427.97 23467.03
Deposits 313763.16 329972.95 342691.94 359296.47 385011.32
Borrowings 5787.2 5468.64 7474.36 8118.75 19805.65
Other Liabilities 15269.26 7268.32 8729.5 9641.36 9707.75
Total Liabilities 356249.1 369214.99 386422.5 406165.48 446672.68
Assets
Balance with RBI 30059.82 32187.84 38033.7 27432.92 22954.69
Balance with Banks 6017.29 6763.47 15060.63 16666.73 14652.81
Investments 142517.54 148582.43 140786.95 136583.48 143923.49
Advances 151100.88 156578.65 168173.5 202984.31 243406.28
Net Block 4336.18 5132.42 4955.04 4776.28 5335.74
Other Assets 22217.39 19970.18 19412.69 17721.77 16399.68
Total Assets 356249.1 369214.99 386422.5 406165.48 446672.68
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 93.08 93.08 93.08 93.08 93.08
president of india 93.08 93.08 93.08 93.08 93.08
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 6.92 6.92 6.92 6.92 6.92
life insurance corporatio... 2.62 - - 2.62 2.62
lic of india - 2.62 2.62 - -

Ratings & Research Reports

Company Presentations

Company News

Central Bank of India secures approval from RBI to enter into insurance business 25 Nov, 12:57 PM Central Bank of India reports 49% rise in Q2 consolidated net profit 17 Oct, 3:14 PM CentralBank of India - Quaterly Results 17 Oct, 1:34 PM CentralBank of India - Quaterly Results 17 Oct, 1:34 PM CentralBank of India - Quaterly Results 17 Oct, 1:34 PM Central Bank Of India informs about statement of outstanding bonds 3 Oct, 5:14 PM Central Bank of India inks co-lending partnership with M/s. Piramal Capital 23 Aug, 10:30 AM Central Bank of India informs about disclosure 21 Aug, 3:15 PM Central Bank of India enters into Co-Lending Partnership with Shriram Finance 1 Aug, 10:14 AM Central Bank of India enters into strategic Co-Lending Partnership with M/s Tyger Capital 26 Jul, 4:00 PM Central Bank of India reports 90% rise in Q1 consolidated net profit 18 Jul, 4:57 PM CentralBank of India - Quaterly Results 18 Jul, 1:17 PM CentralBank of India - Quaterly Results 18 Jul, 1:17 PM CentralBank of India - Quaterly Results 18 Jul, 1:17 PM Central Bank of India informs about board meeting 13 Jul, 11:52 AM Central Bank of India enters into strategic Co-Lending Partnership with Arka Fincap 13 Jul, 11:30 AM Central Bank of India enters into strategic Co-Lending Partnership with Shriram Housing Finance 13 Jul, 10:45 AM RBI imposes penalty of Rs 1.45 crore on Central Bank of India 15 Jun, 2:02 PM Central Bank of India reports 38% rise in Q4 consolidated net profit 30 Apr, 3:42 PM CentralBank of India - Quaterly Results 30 Apr, 2:01 PM CentralBank of India - Quaterly Results 30 Apr, 2:01 PM CentralBank of India - Quaterly Results 30 Apr, 2:01 PM Central Bank Of India informs about disclosure 20 Apr, 2:15 PM Central Bank of India inks distributorship agreement with Aditya Birla Sun Life AMC 19 Apr, 4:00 PM Central Bank of India onboards Veefin to begin supply chain finance operations 2 Apr, 12:57 PM Central Bank of India inks pact with PPFAS Asset Management Company 19 Mar, 3:11 PM Central Bank of India inks pact with Motilal Oswal Asset Management Company 25 Jan, 4:51 PM Central Bank of India reports 55% rise in Q3 consolidated net profit 19 Jan, 5:38 PM Central Bank of India informs about statement of deviation or variation 19 Jan, 2:53 PM Central Bank Of India informs about financial results 19 Jan, 2:27 PM CentralBank of India - Quaterly Results 19 Jan, 12:52 PM CentralBank of India - Quaterly Results 19 Jan, 12:52 PM CentralBank of India - Quaterly Results 19 Jan, 12:52 PM Central Bank of India posts 14.9% growth in advances in Q3 5 Jan, 12:48 PM Central Bank of India enters into partnership with SMFG India Home Finance Company 30 Dec, 2:10 PM Central Bank of India enters into partnership with Kisetsu Saison Finance 28 Dec, 2:44 PM Central Bank of India reports 82% rise in Q2 consolidated net profit 21 Oct, 10:52 AM CentralBank of India - Quaterly Results 20 Oct, 5:39 PM CentralBank of India - Quaterly Results 20 Oct, 5:39 PM Central Bank of India inks co-lending partnership with Capri Global Housing Finance 19 Oct, 3:14 PM Central Bank of India informs about compliances-certificate 9 Oct, 5:11 PM Central Bank of India enters into strategic Co-Lending Partnership with ECL Finance 22 Sep, 3:58 PM Central Bank of India raises Rs 1500 crore through bonds 30 Aug, 4:14 PM Central Bank of India enters into strategic Co-Lending partnership with IKF Home Finance 30 Aug, 12:25 PM Central Bank of India enters into partnership with Samunnati Financial Intermediation & Services 30 Aug, 11:59 AM Central Bank of India enters into strategic Co-Lending Partnership with IKF Finance 30 Aug, 10:20 AM Central Bank of India to raise Rs 1500 crore through bonds 29 Aug, 4:30 PM Central Bank of India enters into strategic Co-Lending Partnership with DMI Housing Finance 9 Aug, 12:58 PM Central Bank of India enters into partnership with Clix Capital Services 8 Aug, 12:44 PM Central Bank Of India informs about newspaper publication 18 Jul, 4:38 PM

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. CentralBank of India stock price today is Rs 53.71.

  •  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 30722.2358 Cr. revenue in the latest financial year. CentralBank of India has posted decent revenue growth of 10.5645428708679 % in last 3 Years.

  • In terms of advances, CentralBank of India reported 19.9138 % YOY,  rise . If you see 3 years advance growth, it stands at 15.8420985956724 %.

  • Currently, CentralBank of India has a CASA ratio of 50.0451 %. It’s overall cost of liability stands at 4.4034 %. Also, the total deposits from these accounts stood at Rs 385011.3226 Cr.

  • CentralBank of India has a Poor ROA track record. The ROA of CentralBank of India is at 0.5978 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of CentralBank of India stood at 4.5 % and 1.23 % 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 -21.9214924180704 % 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 surged and is currently at Rs 4711.2798 Cr.

  • CentralBank of India has a Good Capital Adequacy Ratio of 15.08 .

  • 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 1.6086 . The historical average PB was 0.851096601114017.

  • Share Price: - The current share price of CentralBank of India is Rs 53.71. One can use valuation calculators of ticker to know if CentralBank of India share price is undervalued or overvalued.

Last Updated on:
Brief about CentralBank of India

Central Bank Of India Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

 

Central Bank of India is a leading public sector bank in India, providing a range of financial services to its customers.  We will provide a comprehensive analysis of Central Bank of India's stock performance and key financial indicators for long-term stock investors looking for stock analysis.

Central Bank Of India Share Price

Central Bank of India's share price has been consistently increasing over the years due to the company's strong financial performance and growth prospects. The bank has a stable business model and a diverse range of clients, which provides investors with a sense of security and stability. Investors can use Ticker pre-built screening tools to track Central Bank of India's share price and compare it with other companies in the industry.

Central Bank Of India Balance Sheet

Central Bank of India's balance sheet is a reflection of the bank's financial health and stability. The bank has a strong balance sheet with a healthy debt-to-equity ratio and a high current ratio. Ticker premium features allow fair value calculation using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These tools provide investors with a comprehensive understanding of the bank's financial position and help them make informed investment decisions.

Central Bank Of India Annual Report

Central Bank of India's annual reports provide detailed information about the bank's operations, financial performance, and future prospects. Investors can download the annual reports from Ticker and analyze the bank's performance over the years. The annual report also includes information about the bank's management team, corporate governance practices, and sustainability initiatives.

Central Bank Of India Dividend

Central Bank of India has a consistent track record of paying dividends to its shareholders. The bank has a dividend payout ratio of over 30%, which indicates that it is committed to sharing its profits with its shareholders. Investors can track Central Bank of India's dividend history using Ticker pre-built screening tools and compare it with other companies in the industry.

Central Bank Of India Quarterly Result

Central Bank of India's quarterly results provide an insight into the bank's performance over a shorter period. The bank's revenue and profits can be affected by various factors such as changes in government policies, fluctuations in commodity prices, and global economic conditions. Ticker premium features allow fair value calculation using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These tools provide investors with a comprehensive understanding of the bank's financial position and help them make informed investment decisions.

Central Bank Of India Stock Price

The Central Bank of India's stock price is influenced by various factors such as the bank's financial performance, market conditions, and investor sentiment. Investors can track Central Bank of India's stock price using our pre-built screening tools and compare it with other companies in the industry. Our premium features allow fair value calculation using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

Central Bank Of India Price Chart

Central Bank of India's price chart provides a visual representation of the bank's stock performance over a period of time. Investors can use our pre-built screening tools to analyze Central Bank of India's price chart and compare it with other companies in the industry. Our premium features allow fair value calculation using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

Central Bank Of India News

Central Bank of India's news section provides investors with the latest updates about the bank's operations, financial performance, and future prospects. Investors can stay informed about the bank's developments by regularly checking the news section on Ticker.

Central Bank Of India Concall Transcripts

Central Bank of India's concall transcripts provide investors with an opportunity to listen to the management team's views on the bank's performance and future prospects. Investors can download the concall transcripts from Ticker and gain valuable insights into the bank's operations.

Central Bank Of India Investor Presentations

Central Bank of India's investor presentations provide a comprehensive overview of the bank's operations, financial performance, and future prospects. Investors can download the investor presentations from Ticker and gain a deeper understanding of the bank's business model and growth prospects.

Central Bank Of India Promoters

Central Bank of India's promoters include the Government of India, which holds a majority stake in the bank. The bank has a strong backing from its promoters, which provides investors with a sense of security and stability.

Central Bank Of India Shareholders

Central Bank of India's shareholders include retail investors, institutional investors, and the bank's promoters. The bank has a diverse shareholder base, which indicates that it is a popular investment choice among investors.

Central Bank Of India ROCE

Return on Capital Employed (ROCE) is a key financial metric that evaluates a company's efficiency in generating profits from its capital investments. Access the ROCE data for Central Bank Of India on our stock analysis page in the financials table or ratio section. This metric helps investors assess the company's capital utilization efficiency and compare its performance within the industry. Obtain the ROCE data for Central Bank Of India here.

Central Bank Of India EBITDA

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is a crucial metric that illustrates a company's operational profitability. Find the EBITDA data for Central Bank Of India on our stock analysis page in the financials table or ratio section. Analyzing EBITDA provides insights into the company's core business profitability and cash flow generation capacity. Access the EBITDA data for Central Bank Of India here.

Central Bank Of India DPS

Dividends Per Share (DPS) signifies the amount of dividends distributed to each outstanding share. Discover the DPS data for Central Bank Of India on our stock analysis page in the financials table or ratio section. Understanding the DPS helps investors evaluate the company's dividend distribution policy and its potential as an income-generating investment. Access the DPS data for Central Bank Of India here.

Central Bank Of India EPS

Earnings Per Share (EPS) measures a company's profitability on a per-share basis, providing insights into its earnings performance and growth potential. On our stock analysis page, find the EPS data for Central Bank Of India in the financials table or ratio section. Analyzing EPS assists investors in assessing the company's profitability trends and making informed investment decisions. Access the EPS data for Central Bank Of India here.

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