CSB Bank
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CSB Bank share price

CSB Bank Ltd.

NSE: CSBBANK BSE: 542867 SECTOR: Bank - Private  68k   343   44

407.35
+7.60 (1.90%)
NSE: Today, 02:14 PM

Price Summary

Today's High

₹ 416.7

Today's Low

₹ 398.9

52 Week High

₹ 422.25

52 Week Low

₹ 263.1

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 7066.95 Cr.

CASA %

32.18

No. of Shares

17.35 Cr.

P/E

12.36

P/B

2.04

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  200.06

Net Interest Income

₹ 1333.85 Cr.

Cost To Income %

57.12

Promoter Holding

49.72 %

EPS (TTM)

₹  32.95

CAR %

27.1

ROE

19.84 %

ROCE

18.56%

Profit Growth

19.38 %

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* 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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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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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 Year19.84%
3 Year17.2%
5 Year4.69%

ROA%

1 Year2.01%
3 Year1.64%
5 Year0.76%

Net NPA%

1 Year0.35%
3 Year0.73%
5 Year1.28%

 NIM

1 Year4.71%
3 Year4.55%
5 Year3.97%

CAR %

27.1

Cost of Liabilities %

3.89819685225725

PEG Ratio

0.64

Advances Growth %

30.5789606725154

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 49.72 0
Dec 2023 49.72 0
Sep 2023 49.72 0
Jun 2023 49.72 0
Mar 2023 49.72 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.64206460292657% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 17.1950258410019%.
  • The company has been consistently maintaining a NIM of 4.55316031594909% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.733333333333333%.
  • Good Capital Adequacy Ratio of 27.1%.
  • The company has delivered good Profit growth of 250.382337156707% over the past 3 years.
  • Strong Advances growth of 22.0218160775577% in the last 3 years.

 Limitations

  • CASA Growth of -1.4777636693933% YoY, which is very low.
  • High Cost to income ratio of 57.1235645570651%.
  • Increase in Provision and contingencies of 5007.50194855807% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 592.05 636.49 683.49 687.34 761.83
Other Income 89.9 126.32 121.55 148.45 125.34
Interest Expended 242.31 288.05 319.48 343.65 379.16
Operating Expenses 246.2 272.88 304.13 317.51 312.14
Total Provisions -14.96 -9.2 4.73 -3.33 -4.54
Profit Before Tax 208.4 211.08 176.7 177.96 200.41
Tax 52.45 54.74 44.47 44.79 50.44
Net Profit 155.95 156.34 132.23 133.17 149.97
Net NPA % 0.42 0.35 0.32 0.33 0.31
Gross NPA % 1.45 1.26 1.27 1.27 1.22
Return on Assets % 2.37 2.23 1.79 1.73 1.84
NPM % 26.34 24.56 19.35 19.37 19.69

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 1347.52 1509.89 1872.29 2038.31 2319.65
Other Income 135.92 221.61 303.13 246.8 316.01
Interest Expended 907.56 917.6 930.91 885.01 985.81
Operating Expenses 562.51 533.32 729 786.38 942.46
Total Provisions 313.46 146.58 222.97 -0.51 -26.21
Profit Before Tax -300.1 133.99 292.55 614.23 733.61
Taxes -102.68 121.27 74.15 155.74 186.25
Net Profit -197.42 12.72 218.4 458.49 547.36
Adjusted EPS (Rs.) -22.98 0.73 12.59 26.43 31.55

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 85.97 173.51 173.54 173.54 173.54
Total Reserves 694.38 1787.16 2005.91 2464.41 3011.77
Deposits 15123.87 15790.68 19140.04 20188.3 24505.81
Borrowings 0 794 1425.92 2007.19 782.97
Other Liabilities 355.59 318.89 591.16 509.39 669.87
Total Liabilities 16911.16 18864.24 23337.35 25356.27 29162.28
Assets
Balance with RBI 725.41 547.79 736.14 1473.24 1469.91
Balance with Banks 248.23 391.55 977.93 100.52 366.8
Investments 4027.61 5359.84 6125.99 7011.62 5848.7
Advances 10615.24 11366.35 14438.12 15814.68 20650.65
Net Block 217.73 253.48 269.49 287.86 319.36
Other Assets 1076.95 945.22 789.68 668.35 506.87
Total Assets 16911.16 18864.24 23337.35 25356.27 29162.28
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 49.72 49.72 49.72 49.72 49.72
fih mauritius investments... 49.72 49.72 49.72 49.72 49.72
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 50.28 50.28 50.28 50.28 50.28
csb esos trust 2.88 2.88 2.88 2.86 2.62
investor education and pr... 0.43 - 0.43 0.43 0.43
lal arakulath sankappa 1.01 1.01 1.01 1.01 1.01
llp 0.19 0.22 0.20 0.27 0.24
max life insurance co lt... 1.11 1.11 1.11 1.11 1.11
maybank securities pte lt... 1.84 1.84 1.84 1.61 1.45
sbi small cap fund 7.01 7.07 9.36 9.42 9.42
sundaram mutual fund a/c ... 1.55 - 1.53 - 1.30
theleme india master fund... - - 1.08 1.08 1.13
vallabh bhanshali 1.26 1.26 1.26 1.26 1.26
yusuffali musaliam veetti... 2.17 2.17 2.17 2.17 2.17
zafar ahmadullah 1.07 1.07 1.07 1.07 1.07
uti-mnc fund - - - 1.17 -
satpal khattar 1.02 1.02 1.02 - -
omers administration corp... 2.07 2.07 - - -
sundaram mutual fund a/c ... - 1.64 - - -
volrado venture partners ... 1.01 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

CSB Bank logs 18% growth in gross advances in Q4FY242 Apr 2024, 2:09PM CSB Bank informs about board meeting2 Apr 2024, 11:24AM CSB Bank informs about closure of trading window 27 Mar 2024, 4:34PM CSB Bank informs about loss of share certificates12 Feb 2024, 5:09PM CSB Bank informs about investor presentation29 Jan 2024, 5:21PM CSB Bank - Quaterly Results29 Jan 2024, 1:31PM CSB Bank - Quaterly Results29 Jan 2024, 1:31PM CSB Bank - Quaterly Results29 Jan 2024, 1:31PM CSB Bank informs about loss of share certificates23 Jan 2024, 11:10AM CSB Bank informs about conference call17 Jan 2024, 5:08PM CSB Bank informs about trading window closure27 Dec 2023, 4:52PM CSB Bank informs about transfer of shares under ESOS16 Dec 2023, 2:05PM CSB Bank informs about grant of stock options 14 Dec 2023, 12:42PM CSB Bank informs about issuance of letter(s) of confirmation6 Dec 2023, 2:37PM CSB Bank informs about investor conference30 Nov 2023, 2:50PM CSB Bank informs about analyst meet22 Nov 2023, 5:22PM CSB Bank informs about earnings call transcript27 Oct 2023, 2:26PM CSB Bank informs about newspaper publication21 Oct 2023, 12:21PM CSB Bank reports 10% rise in Q2 net profit20 Oct 2023, 2:49PM CSB Bank - Quaterly Results20 Oct 2023, 1:12PM CSB Bank - Quaterly Results20 Oct 2023, 1:12PM CSB Bank - Quaterly Results20 Oct 2023, 1:12PM CSB Bank informs about disclosure 25 Sep 2023, 10:42AM CSB Bank partners with Ashok Leyland1 Sep 2023, 12:00PM CSB Bank informs about press release & presentation to institutional investors20 Jul 2023, 4:55PM CSB Bank - Quaterly Results20 Jul 2023, 3:01PM CSB Bank - Quaterly Results20 Jul 2023, 3:01PM CSB Bank - Quaterly Results20 Jul 2023, 3:01PM CSB Bank informs about issuance of letters of confirmation20 Jul 2023, 2:08PM CSB Bank informs about grant of stock options under ESOS 20 Jul 2023, 12:28PM CSB Bank informs about annual report and AGM notice 17 Jul 2023, 9:16AM CSB Bank informs about BRSR17 Jul 2023, 9:15AM CSB Bank informs about details of loss of certificate 4 Jul 2023, 2:57PM CSB Bank reports 30% rise in gross advances during first quarter of FY243 Jul 2023, 11:39AM CSB Bank informs about issue of letters of confirmation3 Jun 2023, 11:21AM CSB Bank reports 20% rise in Q4 net profit28 Apr 2023, 2:57PM CSB Bank - Quaterly Results28 Apr 2023, 1:15PM CSB Bank - Quaterly Results28 Apr 2023, 1:15PM CSB Bank - Quaterly Results28 Apr 2023, 1:15PM CSB Bank informs about issue of duplicate share certificate22 Apr 2023, 12:14PM CSB Bank informs about issue of duplicate certificate21 Apr 2023, 4:39PM CSB Bank reports 21% rise in total deposits during fourth quarter of FY233 Apr 2023, 10:23AM CSB Bank informs about analyst meet 16 Mar 2023, 4:03PM CSB Bank informs about loss of share certificate16 Feb 2023, 5:27PM CSB Bank informs about outcome of analyst meet7 Feb 2023, 5:04PM CSB Bank informs about press release31 Jan 2023, 3:27PM CSB Bank - Quaterly Results30 Jan 2023, 12:37PM CSB Bank - Quaterly Results30 Jan 2023, 12:37PM CSB Bank - Quaterly Results30 Jan 2023, 12:37PM CSB Bank reports 19% rise in total deposits during third quarter of FY233 Jan 2023, 10:29AM

CSB Bank Stock Price Analysis and Quick Research Report. Is CSB Bank 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 CSB Bank is performing and if it is the right time to buy the stock of CSB Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. CSB Bank has earned Rs 2319.6534 Cr. revenue in the latest financial year. CSB Bank has posted outstanding revenue growth of 15.3875566056359 % in last 3 Years.

  • In terms of advances, CSB Bank reported 30.5789606725154 % YOY,  rise . If you see 3 years advance growth, it stands at 22.0218160775577 %.

  • Currently, CSB Bank has a CASA ratio of 32.1811786207336 %. It’s overall cost of liability stands at 3.89819685225725 %. Also, the total deposits of CSB Bank from these accounts stood at Rs 24505.8119 Cr.

  • CSB Bank has a healthy ROA track record. The ROA of CSB Bank is at 2.00798210096318 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.26 % and 0.35 % 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 5007.50194855807 % 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 CSB Bank surged and is currently at Rs 316.0097 Cr.

  • CSB Bank has a Good Capital Adequacy Ratio of 27.1 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently CSB Bank is trading at a P/B of 2.0097 . The historical average PB of CSB Bank was 1.20347794945156.

  • Share Price: - The current share price of CSB Bank is Rs 408.7. One can use valuation calculators of ticker to know if CSB Bank share price is undervalued or overvalued.

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Brief about CSB Bank

CSB Bank Ltd. Financials: Check Share price, Balance Sheet, Annual report, and Quarterly Results for company analysis

Welcome to the CSB Bank Ltd. stock analysis page. This comprehensive article provides valuable insights for long-term stock investors interested in conducting an in-depth stock analysis of CSB Bank Ltd.

CSB Bank Ltd. Share Price

Analyzing the share price of CSB Bank Ltd. can provide insights into the market perception of the company. Long-term investors can utilize our pre-built screening tools to monitor the share price trends and identify potential investment opportunities. A stock's share price is determined by a range of factors such as market sentiment, financial performance, and general economic conditions.

CSB Bank Ltd. Balance Sheet

Assessing the balance sheet of CSB Bank Ltd. is crucial for understanding the company's financial position and stability. By examining the assets, liabilities, and shareholders' equity, investors can gain insights into its financial health.

CSB Bank Ltd. Annual Report

CSB Bank Ltd.'s annual reports offer detailed information about the company's performance, strategic initiatives, and future outlook. Investors can download these reports from the ticker website to access valuable resources for their stock analysis.

CSB Bank Ltd. Dividend

Analyzing the dividend track record of CSB Bank Ltd. is important for long-term investors seeking regular income. Investors can study the company's dividend history to make informed decisions regarding their investment strategy.

CSB Bank Ltd. Quarterly Result

The quarterly results of CSB Bank Ltd. provide insights into the company's financial performance over shorter time intervals. By analyzing these results, investors can monitor trends and assess the company's progress.

CSB Bank Ltd. Stock Price

Staying updated with the stock price movements of CSB Bank Ltd. is essential for investors. Our pre-built screening tools can help investors track the latest stock prices and make informed decisions based on market trends. Our website provides pre-built screening tools to help investors analyze stock price and performance.

CSB Bank Ltd. Price Chart

Price charts visually represent the stock price movements of CSB Bank Ltd. over time. Investors can study these charts to identify patterns and potential buying or selling opportunities.

CSB Bank Ltd. News

Keeping informed about the latest news related to CSB Bank Ltd. is important for stock investors conducting thorough analysis. By regularly checking for news updates, investors can identify any significant developments that may impact the company's performance.

CSB Bank Ltd. Concall Transcripts

We provide concall transcripts for CSB Bank Ltd., giving investors access to detailed information about the company's management discussions and strategic decisions. These transcripts provide valuable insights for conducting stock analysis.

CSB Bank Ltd. Investor Presentations

CSB Bank Ltd. offers investor presentations that provide information about the company's operations, financial performance, and future growth prospects. Investors can utilize these presentations to gather insights for their stock analysis.

CSB Bank Ltd. Promoters

Understanding the promoters behind CSB Bank Ltd. is crucial for investors interested in the company's management and track record. Investors can gain insights into the company's leadership by studying the promoters' involvement.

CSB Bank Ltd. Shareholders

Analyzing the shareholders of CSB Bank Ltd. provides insights into the company's ownership structure and major stakeholders. This information is valuable for assessing the level of support the company has from institutional investors or other influential entities.

In addition to the above information, we offer premium feature tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These tools can assist investors in conducting thorough stock analysis.

Annual reports and quarterly results of CSB Bank Ltd. are provided for download on our website, making it convenient for investors to access and analyze the necessary information.

Thank you for visiting our website and utilizing our resources for your stock analysis needs.

CSB Bank Limited ROCE

CSB Bank Limited's Return on Capital Employed (ROCE) indicates the efficiency of the company in allocating capital to generate profits. This key financial ratio can be found in the financials table or ratio section above, providing insights into the company's profitability in relation to its overall capital investments.

CSB Bank Limited EBITDA

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) for CSB Bank Limited is a significant metric that showcases the company's operating performance while excluding non-operational factors. Find the EBITDA ratio data on this page to assess the company's core profitability before accounting for financial and tax-related impacts.

CSB Bank Limited DPS

CSB Bank Limited's Dividends Per Share (DPS) signifies the amount of dividends distributed to shareholders per outstanding share. This vital indicator can be viewed in the financials table or ratio section above, allowing investors to evaluate the company's dividend distribution policy and returns to shareholders.

CSB Bank Limited EPS

CSB Bank Limited's Earnings Per Share (EPS) reflects the company's profitability on a per-share basis, providing valuable insights for investors. Access the EPS data on this page to gauge the company's earnings performance and potential returns for shareholders.

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