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CentralBank of India share price

Central Bank Of India

NSE: CENTRALBK BSE: 532885 SECTOR: Bank - Public  132k   518   123

62.00
+0.70 (1.14%)
NSE: 16 Apr 4:00 PM

Price Summary

Today's High

₹ 63.85

Today's Low

₹ 60.1

52 Week High

₹ 76.9

52 Week Low

₹ 25.95

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

53821.82 Cr.

CASA %

50.46

No. of Shares

868.09 Cr.

P/E

23.27

P/B

1.98

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  31.33

Net Interest Income

11686.79 Cr.

Cost To Income %

56.35

Promoter Holding

93.08 %

EPS (TTM)

₹  2.66

CAR %

14.12

ROE

6.42 %

ROCE

8.62%

Profit Growth

51.43 %

* 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.
* 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

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Ratios

ROE%

1 Year6.42%
3 Year2.18%
5 Year-7.34%

ROA%

1 Year0.4%
3 Year0.14%
5 Year-0.32%

Net NPA%

1 Year1.77%
3 Year3.84%
5 Year5.37%

 NIM

1 Year3.05%
3 Year2.69%
5 Year2.52%

CAR %

14.12

Cost of Liabilities %

3.77096456041062

PEG Ratio

0.45

Advances Growth %

20.6993411566032

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 93.08 0
Dec 2023 93.08 0
Sep 2023 93.08 0
Jun 2023 93.08 0
Mar 2023 93.08 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 50.4587273029491% of total deposits.
  • The company has delivered good Profit growth of 50.531095369857% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.143699072507134%
  • Company has a low ROE of 2.1836954898924% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 3.83666666666667%.
  • High Cost to income ratio of 56.3503618115415%.
  • The company has delivered poor Income growth of 2.7252789148823% over the past 3 years.
  • Increase in Provision and contingencies of 21.7871399049248% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 6716.55 7143.86 7225.28 7350.66 7809.21
Other Income 919.16 1423.59 958.64 1061.26 1329.72
Interest Expended 3432.09 3631.13 4049.35 4322.97 4657.36
Operating Expenses 2396.72 2828.56 2296.69 2558.51 2550.56
Total Provisions 995.47 1204.61 812.89 967.34 821.98
Profit Before Tax 811.43 903.15 1024.99 563.1 1109.03
Tax 353.21 332.12 606.56 -42.33 391.17
Net Profit 458.22 571.03 418.43 605.43 717.86
Net NPA % 2.09 1.77 1.75 1.64 1.27
Gross NPA % 8.85 8.44 4.95 4.62 4.5
Return on Assets % 0.5 0.61 0.43 0.62 0.69
NPM % 6.82 7.99 5.79 8.24 9.19

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 22638.57 23562.47 22730.23 22801.65 25541.89
Other Income 2412.94 3636.82 3115.67 2968.48 4083.71
Interest Expended 15866.39 15933.62 14485.19 13314.88 13855.1
Operating Expenses 6058.63 6921.52 6782.23 7258.1 8886.74
Total Provisions 11296.71 5253.64 5902.1 3480.19 4238.43
Profit Before Tax -8170.22 -909.49 -1323.61 1716.96 2645.34
Taxes -2528.74 211.86 -436.03 672.13 1063.14
Net Profit -5641.48 -1121.35 -887.58 1044.83 1582.2
Adjusted EPS (Rs.) -13.94 -1.96 -1.51 1.2 1.82

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 4047.2 5709.76 5875.56 8680.94 8680.94
Total Reserves 14887.66 15719.71 15829.53 18845.77 20427.97
Deposits 299855.44 313763.16 329972.95 342691.94 359296.47
Borrowings 5239.06 5787.2 5468.64 7474.36 8118.75
Other Liabilities 6475.77 15269.26 7268.32 8729.5 9641.36
Total Liabilities 330717.66 356249.1 369214.99 386422.5 406165.48
Assets
Balance with RBI 20779.09 30059.82 32187.84 38033.7 27432.92
Balance with Banks 10420.85 6017.29 6763.47 15060.63 16666.73
Investments 125298.07 142517.54 148582.43 140786.95 136583.48
Advances 146525.36 151100.88 156578.65 168173.5 202984.31
Net Block 4310.24 4336.18 5132.42 4955.04 4776.28
Other Assets 23384.06 22217.39 19970.18 19412.69 17721.77
Total Assets 330717.66 356249.1 369214.99 386422.5 406165.48
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

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

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Central Bank of India onboards Veefin to begin supply chain finance operations2 Apr 2024, 12:57PM Central Bank of India inks pact with PPFAS Asset Management Company19 Mar 2024, 3:11PM Central Bank of India inks pact with Motilal Oswal Asset Management Company25 Jan 2024, 4:51PM Central Bank of India reports 55% rise in Q3 consolidated net profit19 Jan 2024, 5:38PM Central Bank of India informs about statement of deviation or variation19 Jan 2024, 2:53PM Central Bank Of India informs about financial results19 Jan 2024, 2:27PM CentralBank of India - Quaterly Results19 Jan 2024, 12:52PM CentralBank of India - Quaterly Results19 Jan 2024, 12:52PM CentralBank of India - Quaterly Results19 Jan 2024, 12:52PM Central Bank of India posts 14.9% growth in advances in Q35 Jan 2024, 12:48PM Central Bank of India enters into partnership with SMFG India Home Finance Company30 Dec 2023, 2:10PM Central Bank of India enters into partnership with Kisetsu Saison Finance 28 Dec 2023, 2:44PM Central Bank of India reports 82% rise in Q2 consolidated net profit21 Oct 2023, 10:52AM CentralBank of India - Quaterly Results20 Oct 2023, 5:39PM CentralBank of India - Quaterly Results20 Oct 2023, 5:39PM Central Bank of India inks co-lending partnership with Capri Global Housing Finance19 Oct 2023, 3:14PM Central Bank of India informs about compliances-certificate9 Oct 2023, 5:11PM Central Bank of India enters into strategic Co-Lending Partnership with ECL Finance22 Sep 2023, 3:58PM Central Bank of India raises Rs 1500 crore through bonds30 Aug 2023, 4:14PM Central Bank of India enters into strategic Co-Lending partnership with IKF Home Finance30 Aug 2023, 12:25PM Central Bank of India enters into partnership with Samunnati Financial Intermediation & Services30 Aug 2023, 11:59AM Central Bank of India enters into strategic Co-Lending Partnership with IKF Finance30 Aug 2023, 10:20AM Central Bank of India to raise Rs 1500 crore through bonds29 Aug 2023, 4:30PM Central Bank of India enters into strategic Co-Lending Partnership with DMI Housing Finance9 Aug 2023, 12:58PM Central Bank of India enters into partnership with Clix Capital Services8 Aug 2023, 12:44PM Central Bank Of India informs about newspaper publication18 Jul 2023, 4:38PM Central Bank of India reports 81% rise in Q1 consolidated net profit17 Jul 2023, 2:30PM CentralBank of India - Quaterly Results17 Jul 2023, 1:00PM CentralBank of India - Quaterly Results17 Jul 2023, 1:00PM CentralBank of India - Quaterly Results17 Jul 2023, 1:00PM Central Bank Of India informs about trading window closure20 Jun 2023, 4:25PM Central Bank of India informs about book closure 17 Jun 2023, 2:14PM Central Bank Of India informs about annual report9 Jun 2023, 9:44AM Central Bank Of India informs about BRSR9 Jun 2023, 9:43AM Central Bank of India enters into partnership with India Shelter Finance Corporation2 Jun 2023, 11:52AM RBI imposes penalty of Rs 84.50 lakh on Central Bank of India27 May 2023, 11:01AM Central Bank of India reports 73% rise in Q4 consolidated net profit29 Apr 2023, 4:41PM Central Bank of India informs about press release 29 Apr 2023, 3:27PM Central Bank of India submits investor presentation 29 Apr 2023, 3:11PM CentralBank of India - Quaterly Results29 Apr 2023, 2:10PM CentralBank of India - Quaterly Results29 Apr 2023, 2:10PM CentralBank of India - Quaterly Results29 Apr 2023, 2:10PM Central Bank Of India informs about PCS certificate17 Apr 2023, 4:33PM Central Bank of India informs about compliance certificate10 Apr 2023, 4:02PM Central Bank Of India informs about appointment of CS um CO 18 Mar 2023, 11:58AM Central Bank of India enters into partnership with Moneywise Financial Services21 Feb 2023, 10:29AM Central Bank Of India informs about security cover certificate18 Jan 2023, 4:52PM Central Bank Of India informs about outcome of board meeting 18 Jan 2023, 3:22PM Central Bank of India reports 68% rise in Q3 consolidated net profit18 Jan 2023, 2:30PM CentralBank of India - Quaterly Results18 Jan 2023, 1:16PM

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 25541.8923 Cr. revenue in the latest financial year. CentralBank of India has posted Poor revenue growth of 2.7252789148823 % in last 3 Years.

  • In terms of advances, CentralBank of India reported 20.6993411566032 % YOY,  rise . If you see 3 years advance growth, it stands at 10.3397066410303 %.

  • Currently, CentralBank of India has a CASA ratio of 50.4587273029491 %. It’s overall cost of liability stands at 3.77096456041062 %. Also, the total deposits from these accounts stood at Rs 359296.4686 Cr.

  • CentralBank of India has a Poor ROA track record. The ROA of CentralBank of India is at 0.399249353242781 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of CentralBank of India stood at 8.44 % and 1.77 % 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 21.7871399049248 % 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 surged and is currently at Rs 4083.7083 Cr.

  • CentralBank of India has a Good Capital Adequacy Ratio of 14.12 .

  • 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 1.9847 . The historical average PB was 0.667535202997799.

  • Share Price: - The current share price of CentralBank of India is Rs 62. One can use valuation calculators of ticker to know if CentralBank of India share price is undervalued or overvalued.

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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.

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