CSB Bank
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CSB Bank share price

CSB Bank Ltd.

NSE: CSBBANK BSE: 542867 SECTOR: Bank - Private  89k   364   49

312.30
-2.85 (-0.90%)
NSE: 20 Dec 04:02 PM

Price Summary

Today's High

₹ 320.4

Today's Low

₹ 310.2

52 Week High

₹ 422.25

52 Week Low

₹ 292.05

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 5417.96 Cr.

CASA %

27.2

No. of Shares

17.35 Cr.

P/E

9.79

P/B

1.37

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  228.54

Net Interest Income

₹ 1476.41 Cr.

Cost To Income %

62.15

Promoter Holding

40 %

EPS (TTM)

₹  31.89

CAR %

24.47

ROE

17.06 %

ROCE

18.08%

Profit Growth

3.56 %

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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

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* 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 Year17.06%
3 Year19.08%
5 Year13.94%

ROA%

1 Year1.74%
3 Year1.88%
5 Year1.35%

Net NPA%

1 Year0.51%
3 Year0.51%
5 Year0.92%

 NIM

1 Year4.21%
3 Year4.55%
5 Year4.25%

CAR %

24.47

Cost of Liabilities %

4.6102

PEG Ratio

2.75

Advances Growth %

17.8441

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 40.00 0.00
Jun 2024 40.00 0.00
Mar 2024 49.72 0.00
Dec 2023 49.72 0.00
Sep 2023 49.72 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.87646666666667% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 19.0789666666667%.
  • The company has been consistently maintaining a NIM of 4.54903333333333% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.513333333333333%.
  • Good Capital Adequacy Ratio of 24.47%.
  • The company has delivered good Profit growth of 37.4246072270033% over the past 3 years.

 Limitations

  • CASA Growth of -4.9782% YoY, which is very low.
  • High Cost to income ratio of 62.1526%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 687.34 761.83 794.87 832.02 864.85
Other Income 142.54 125.34 196.51 171.84 199.38
Interest Expended 343.65 379.16 408.84 470.05 497.37
Operating Expenses 311.6 312.14 354.54 361.32 366.51
Total Provisions -3.33 -4.54 21.6 20.06 13.91
Profit Before Tax 177.96 200.41 206.4 152.43 186.44
Tax 44.79 50.44 54.94 39.11 48.03
Net Profit 133.17 149.97 151.46 113.32 138.41
Net NPA % 0.33 0.31 0.51 0.68 0.69
Gross NPA % 1.27 1.22 1.47 1.69 1.68
Return on Assets % 1.73 1.84 1.79 1.24 1.48
NPM % 19.37 19.69 19.05 13.62 16

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 1509.89 1872.29 2038.31 2319.65 2927.54
Other Income 221.61 303.13 246.8 316.01 584.29
Interest Expended 917.6 930.91 885.01 985.81 1451.13
Operating Expenses 533.32 729 786.38 942.46 1280.78
Total Provisions 146.58 222.97 -0.51 -26.21 18.48
Profit Before Tax 133.99 292.55 614.23 733.61 761.44
Taxes 121.27 74.15 155.74 186.25 194.62
Net Profit 12.72 218.4 458.49 547.36 566.82
Adjusted EPS (Rs.) 0.73 12.59 26.43 31.55 32.67

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 173.51 173.54 173.54 173.54 173.54
Total Reserves 1787.16 2005.91 2464.41 3011.77 3612.81
Deposits 15790.68 19140.04 20188.3 24505.81 29718.8
Borrowings 794 1425.92 2007.19 782.97 1757.38
Other Liabilities 318.89 591.16 509.39 669.87 776.16
Total Liabilities 18864.24 23337.35 25356.27 29162.28 36055.99
Assets
Balance with RBI 547.79 736.14 1473.24 1469.91 3089.65
Balance with Banks 391.55 977.93 100.52 366.8 65.24
Investments 5359.84 6125.99 7011.62 5848.7 7551.43
Advances 11366.35 14438.12 15814.68 20650.65 24335.58
Net Block 253.48 269.49 287.86 319.36 405.92
Other Assets 945.22 789.68 668.35 506.87 608.18
Total Assets 18864.24 23337.35 25356.27 29162.28 36055.99
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 49.72 49.72 49.72 40.00 40.00
fih mauritius investments... 49.72 49.72 49.72 40.00 40.00
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 50.28 50.28 50.28 60.00 60.00
amansa holdings private l... - - - 4.77 4.77
ashoka whiteoak icav - as... - - - 1.40 1.40
csb esos trust 2.88 2.86 2.62 2.54 2.53
icici prudential banking ... - - - 1.67 1.95
investor education and pr... 0.43 0.43 0.43 - 0.43
llp 0.20 0.27 0.24 0.18 0.26
maybank securities pte lt... 1.84 1.61 1.45 1.45 1.45
sbi small cap fund 9.36 9.42 9.42 9.42 8.79
sundaram mutual fund a/c ... - - - - 2.77
theleme india master fund... 1.08 1.08 1.13 1.48 1.86
yusuffali musaliam veetti... - - - - 2.17
zafar ahmadullah 1.07 1.07 1.07 1.07 1.07
investor education protec... - - - 0.43 -
lal arakulath sankappa 1.01 1.01 1.01 1.01 -
sundaram mutual fund a/c ... - - - 2.66 -
uti-mnc fund - 1.17 - 1.05 -
vallabh bhanshali 1.26 1.26 1.26 1.26 -
yusuffali musaliam veetti... 2.17 2.17 2.17 2.17 -
max life insurance co lt... 1.11 1.11 1.11 - -
sundaram mutual fund a/c ... 1.53 - 1.30 - -
satpal khattar 1.02 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

CSB Bank informs about analyst meet 20 Dec, 4:06 PM CSB Bank informs about analyst meet 9 Dec, 4:40 PM CSB Bank informs about investor meeting 25 Nov, 5:16 PM CSB Bank informs about details of loss of certificate 25 Oct, 5:30 PM CSB Bank informs about loss of share certificate 24 Oct, 5:24 PM CSB Bank informs about press release 24 Oct, 5:16 PM CSB Bank - Quaterly Results 24 Oct, 2:41 PM CSB Bank - Quaterly Results 24 Oct, 2:41 PM CSB Bank - Quaterly Results 24 Oct, 2:41 PM CSB Bank informs about disclosure 24 Oct, 12:10 PM CSB Bank informs about investor meet 19 Oct, 2:28 PM CSB Bank informs about updates 19 Sep, 5:00 PM CSB Bank informs about change in management 30 Aug, 12:14 PM RBI imposes Rs 1.87 crore penalty on CSB Bank 13 Aug, 12:10 PM CSB Bank informs about transcript of earnings call 5 Aug, 12:15 PM CSB Bank informs about newspaper publication 30 Jul, 12:15 PM CSB Bank informs about grant of stock options under ESOS 29 Jul, 2:02 PM CSB Bank - Quaterly Results 29 Jul, 1:55 PM CSB Bank - Quaterly Results 29 Jul, 1:55 PM CSB Bank - Quaterly Results 29 Jul, 1:55 PM CSB Bank informs about loss of share certificate 19 Jul, 5:09 PM CSB Bank informs about compliance certificate 8 Jul, 2:55 PM CSB Bank logs 18% growth in gross advances in Q1FY25 2 Jul, 11:59 AM CSB Bank informs about disclosure 1 Jul, 5:18 PM CSB Bank informs about issuance of letter of confirmation 15 Jun, 3:05 PM CSB Bank informs about credit rating 23 May, 12:38 PM CSB Bank informs about details of loss of certificate 22 May, 6:26 PM CSB Bank informs about transcript of earnings call 4 May, 11:04 AM CSB Bank informs about reconstitution of committee 3 May, 11:13 AM CSB Bank informs about newspaper clippings 27 Apr, 12:24 PM CSB Bank - Quaterly Results 26 Apr, 2:40 PM CSB Bank - Quaterly Results 26 Apr, 2:40 PM CSB Bank - Quaterly Results 26 Apr, 2:40 PM CSB Bank logs 18% growth in gross advances in Q4FY24 2 Apr, 2:09 PM CSB Bank informs about board meeting 2 Apr, 11:24 AM CSB Bank informs about closure of trading window 27 Mar, 4:34 PM CSB Bank informs about loss of share certificates 12 Feb, 5:09 PM CSB Bank informs about investor presentation 29 Jan, 5:21 PM CSB Bank - Quaterly Results 29 Jan, 1:31 PM CSB Bank - Quaterly Results 29 Jan, 1:31 PM CSB Bank - Quaterly Results 29 Jan, 1:31 PM CSB Bank informs about loss of share certificates 23 Jan, 11:10 AM CSB Bank informs about conference call 17 Jan, 5:08 PM CSB Bank informs about trading window closure 27 Dec, 4:52 PM CSB Bank informs about transfer of shares under ESOS 16 Dec, 2:05 PM CSB Bank informs about grant of stock options 14 Dec, 12:42 PM CSB Bank informs about issuance of letter(s) of confirmation 6 Dec, 2:37 PM CSB Bank informs about investor conference 30 Nov, 2:50 PM CSB Bank informs about analyst meet 22 Nov, 5:22 PM CSB Bank informs about earnings call transcript 27 Oct, 2:26 PM

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.

CSB Bank stock price today is Rs 312.3. 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 2927.5423 Cr. revenue in the latest financial year. CSB Bank has posted outstanding revenue growth of 16.0670711015307 % in last 3 Years.

  • In terms of advances, CSB Bank reported 17.8441 % YOY,  rise . If you see 3 years advance growth, it stands at 19.0082227293224 %.

  • Currently, CSB Bank has a CASA ratio of 27.203 %. It’s overall cost of liability stands at 4.6102 %. Also, the total deposits of CSB Bank from these accounts stood at Rs 29718.8036 Cr.

  • CSB Bank has a healthy ROA track record. The ROA of CSB Bank is at 1.7382 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.47 % and 0.51 % 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 -170.503248549312 % 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 CSB Bank surged and is currently at Rs 584.2865 Cr.

  • CSB Bank has a Good Capital Adequacy Ratio of 24.47 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently CSB Bank is trading at a P/B of 1.3676 . The historical average PB of CSB Bank was 1.54370228609085.

  • Share Price: - The current share price of CSB Bank is Rs 312.3. 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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