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Central Bank of India CENTRALBK NIFTY_SMALLNSEFINANCIALPSU

Financial Services · Banks - Regional · India
https://centralbank.bank.in
Company Profile ↓
₹31.08
-11.79% 1Y
Mkt Cap₹28,131.76 Cr
P/E6.22
P/B0.69
Div. Yield4.40%
52W High₹39.79
52W Low₹29.62
Book Value₹43.09
EPS (TTM)₹5.00

Company Overview

Central Bank of India operates as a commercial bank in India. The company offers deposit products, which include savings and current accounts, time deposits, recurring deposit schemes, and small saving scheme; and loans, including housing, vehicle, property, personal, pensioner, education, and agricultural, as well as micro small and medium enterprises loans. It also provides credit, debit, and prepaid/gift cards, as well as cash management, mutual funds, depository, mobile and Internet banking, and ATM services. In addition, the company offers corporate loans, such as project finance, infrastructure funding, financing to infrastructure investment trusts, short term corporate loans, advances, working capital facilities, line of credit, export finance, foreign currency loan, bills purchase/discount/negotiation facilities, non-fund based facilities, and facilities to other industries. Further, the company sells and distributes life, general, and health insurance products, including unit linked, whole life, children, money back, endowment, pension, health, property, personal, fire, burglary, engineering, motor, package, travel, and group insurance products, as well as protection and retirement solutions. It operates through a network of branches, ATMs, satellite offices, and an extension counter. Central Bank of India has a strategic co lending partnership with IIFL Home Finance Limited to offer SME LAP loan products under priority sector to MSME borrowers. Central Bank of India was incorporated in 1911 and is headquartered in Mumbai, India

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 39.2% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 6.2, below the sector median of 19.6.

Healthy Margins

Maintains a net profit margin of 21.9%.

Dividend Income

Offers a dividend yield of 4.40%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹20,660.79 Cr (+5.1% YoY); net profit ₹4,523.79 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +5.1%, earnings +15.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 9.3%, profit CAGR 39.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:9.27%
1 Year:5.14%

Compounded Profit Growth

5 Years:39.16%
1 Year:14.99%

Stock Price Performance

1 Year:-11.79%
6 Months:-14.90%
3 Months:+0.00%
1 Month:-1.36%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 14% of range
₹29.62 ₹39.79
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)51.23 · Neutral
Price Performance
1M-1.36%
3M+0.00%
6M-14.90%
1Y-11.79%
Valuation vs Sector

P/E of 6.22 is below the sector median of 19.62 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 21.9%.
  • Profit CAGR of 39.2% over 5 years.
  • Attractive dividend yield of 4.40%.
  • Generates positive free cash flow.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
6.22
Industry PE
19.62
Forward P/E est.
5.41
PEG Ratio
-
Book Value
₹43.09
Price to Book
0.69
P/S
1.73
EV/EBITDA
-
Dividend Yield
4.40%

Growth (CAGR)

Revenue 5Y
9.27%
Profit 5Y
39.16%
Revenue (YoY)
5.14%
Earnings (YoY)
14.99%

Profitability & Returns

ROCE
-
ROE
11.60%
ROA
0.82%
Profit Margin
21.90%
Op Margin
39.67%
Gross Margin
0.00%
EPS (Latest Qtr)
₹1.46
EPS (TTM)
₹5.00

Balance Sheet & Liquidity

Debt/Equity
0.48
Quick Ratio
-
Current Ratio
-
Debt
₹18,654.20 Cr
Total Assets
₹5.59 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
81.19%
Chg in Prom Hold
-
FII / Inst Holding
9.42%
Chg in FII Hold
-0.11%

Financial Snapshot

Enterprise Value
₹28,131.76 Cr
Total Revenue (TTM)
₹20,660.79 Cr
EBITDA
-
Free Cash Flow
₹2,346.12 Cr
Operating Cash Flow
₹2,803.98 Cr
Shares Outstanding
₹905.14 Cr
Gross Margin
0.00%
Payout Ratio
23.81%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CENTRALBK Central Bank of India NIFTY_SMALLNSEFINANCIALPSU 31.08 6.22 ₹28,131.76 Cr 4.40% - 11.60% 9.27% 39.16%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 7,171.00 Cr7,259.00 Cr7,377.00 Cr7,842.00 Cr8,371.00 Cr8,367.00 Cr8,235.00 Cr4,790.69 Cr5,138.64 Cr5,173.77 Cr8,777.00 Cr5,455.20 Cr5,182.59 Cr4,920.44 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 4,043.00 Cr3,118.00 Cr3,534.00 Cr3,377.00 Cr3,561.00 Cr3,920.00 Cr3,500.00 Cr3,060.84 Cr3,136.17 Cr2,911.65 Cr3,328.00 Cr3,586.33 Cr2,925.48 Cr2,779.11 Cr
Operating Income --------------
EBITDA --------------
Interest Expense 3,643.00 Cr4,062.00 Cr4,338.00 Cr4,672.00 Cr4,811.00 Cr4,801.00 Cr4,807.00 Cr4,983.56 Cr5,238.11 Cr5,221.75 Cr5,476.00 Cr5,551.74 Cr5,676.52 Cr5,793.95 Cr
Pretax Income 910.00 Cr1,038.00 Cr567.00 Cr1,122.00 Cr1,363.00 Cr812.00 Cr1,578.00 Cr1,417.69 Cr1,170.58 Cr1,877.79 Cr1,479.00 Cr1,592.28 Cr1,609.42 Cr1,791.22 Cr
Tax Provision 336.70 Cr612.42 Cr-39.69 Cr392.70 Cr545.20 Cr-73.08 Cr662.76 Cr449.51 Cr128.56 Cr617.33 Cr266.22 Cr327.34 Cr870.90 Cr462.27 Cr
Net Income 592.00 Cr498.00 Cr623.00 Cr738.00 Cr817.00 Cr945.00 Cr926.00 Cr963.38 Cr1,104.58 Cr1,281.98 Cr1,234.00 Cr1,264.29 Cr745.72 Cr1,323.13 Cr
Diluted EPS 0.680.570.720.850.941.091.061.111.271.421.361.400.821.46

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 26,476.00 Cr25,988.00 Cr24,775.00 Cr24,163.00 Cr22,749.00 Cr23,676.00 Cr22,830.00 Cr-15,837.83 Cr17,694.28 Cr19,650.44 Cr20,660.79 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 8,620.00 Cr11,529.00 Cr12,744.00 Cr14,015.00 Cr14,580.00 Cr12,135.00 Cr12,419.00 Cr-8,910.00 Cr10,274.89 Cr11,450.94 Cr12,050.06 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 19,200.00 Cr18,889.00 Cr18,166.00 Cr17,603.00 Cr15,935.00 Cr16,005.00 Cr14,543.00 Cr-13,905.10 Cr17,882.37 Cr19,829.67 Cr21,926.05 Cr
Pretax Income 327.00 Cr-2,651.00 Cr-3,523.00 Cr-5,096.00 Cr-5,628.00 Cr-1,127.00 Cr-1,431.00 Cr-1,688.39 Cr2,676.62 Cr3,943.21 Cr4,530.80 Cr
Tax Provision -291.03 Cr1,245.97 Cr1,092.13 Cr-0-0-0429.30 Cr-1,072.70 Cr1,513.84 Cr1,160.27 Cr2,075.18 Cr
Net Income 670.00 Cr-1,392.00 Cr-2,457.00 Cr-5,134.00 Cr-5,611.00 Cr-1,252.00 Cr-995.00 Cr-1,678.78 Cr2,667.68 Cr3,934.21 Cr4,523.79 Cr
Diluted EPS 4.02-8.26-12.93-19.63-13.88-2.20-1.70-1.933.074.535.00

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 3.13 L Cr3.07 L Cr3.35 L Cr3.27 L Cr3.32 L Cr3.57 L Cr3.70 L Cr-4.07 L Cr4.48 L Cr4.80 L Cr5.51 L Cr
Current Assets ------------
Cash & Equivalents --------44,101.94 Cr37,607.80 Cr36,197.39 Cr37,834.70 Cr
Inventory ------------
Receivables -------4,581.77 Cr5,095.55 Cr4,788.14 Cr5,820.14 Cr7,987.49 Cr
Total Liabilities --------3.78 L Cr4.15 L Cr4.43 L Cr5.12 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------6,569.92 Cr9,002.88 Cr12,928.64 Cr18,654.20 Cr
Total Equity 17,735.00 Cr18,508.00 Cr18,211.00 Cr18,210.00 Cr19,396.00 Cr21,537.00 Cr26,497.00 Cr-29,216.73 Cr32,374.41 Cr36,881.48 Cr39,001.14 Cr
Shares Outstanding --------868.09 Cr868.09 Cr905.14 Cr905.14 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 2,274.00 Cr281.00 Cr61,871.00 Cr-44,376.00 Cr-14,510.00 Cr1,726.00 Cr-2,003.00 Cr14,277.00 Cr-8,786.34 Cr-5,909.91 Cr-2,459.64 Cr2,803.98 Cr
Investing Cash Flow -332.00 Cr-149.00 Cr-189.00 Cr-310.00 Cr-251.00 Cr-315.00 Cr-202.00 Cr-133.00 Cr-208.66 Cr-584.23 Cr-450.77 Cr-453.86 Cr
Financing Cash Flow 510.00 Cr599.00 Cr1,543.00 Cr5,154.00 Cr6,796.00 Cr3,396.00 Cr5,055.00 Cr0001,500.00 Cr-712.82 Cr
Capital Expenditure -285.00 Cr-149.00 Cr-189.00 Cr-311.00 Cr-251.00 Cr-315.00 Cr-203.00 Cr-134.00 Cr-212.28 Cr-587.25 Cr-455.21 Cr-457.86 Cr
Free Cash Flow 1,989.00 Cr132.00 Cr61,682.00 Cr-44,687.00 Cr-14,761.00 Cr1,411.00 Cr-2,206.00 Cr14,143.00 Cr-8,998.62 Cr-6,497.16 Cr-2,914.85 Cr2,346.12 Cr
Net Change in Cash 2,452.00 Cr732.00 Cr63,225.00 Cr-39,533.00 Cr-7,965.00 Cr4,807.00 Cr2,849.00 Cr14,143.00 Cr-8,995.00 Cr-6,494.14 Cr-1,410.41 Cr1,637.30 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 2.5%-5.4%-9.9%-21.2%-24.7%-5.3%-4.4%-10.6%15.1%20.0%21.9%
ROE % 3.8%-7.5%-13.5%-28.2%-28.9%-5.8%-3.8%-5.7%8.2%10.7%11.6%
ROCE % ------------

Shareholding Pattern

Insiders
81.19%
Institutions
9.42%
Public Float
50.09%

Analyst View

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Latest News

Recent headlines for CENTRALBK

Google News hu, 25 Jun 2026

CENTRALBK Forecast — Price Target — Prediction for 2027 - TradingView

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Google News Wed, 05 Nov 2025

Even though Central Bank of India (NSE:CENTRALBK) has lost ₹11b market cap in last 7 days, shareholders are still up 235% over 5 years - simplywall.st

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Google News Mon, 24 Aug 2026

Central (CENTRALBK.NS) Quarterly Results: Available Data Shows the Latest Reported Performance in the Latest Session; Latest Reaction: The Stock Loses 0.26% for the Current Session - Energy Earnings Report - siam.in

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Google News Sat, 06 Jun 2026

CENTRALBK Mar 2026 Earnings: Modest EPS of ₹0.8 Reported Amid Stable Stock Reaction - Short-Term Outlook - vinanet.vn

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Google News Fri, 17 Jul 2026

CENTRALBK: Q1 FY27 saw 18% business growth, 13% higher net profit, and strong asset quality improvement - TradingView

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Google News Fri, 17 Jul 2026

Central Bank of India Profit Rises 13 PC to Rs 1,324 Cr in Q1 - HDFC Sky

<a href="https://news.google.com/rss/articles/CBMihwFBVV95cUxQSHI5dzNmbXU3UE5UWlowOWh1SUY2bjIwbGVfVi1UNVlNUE95ZkZ2cnFTX1U4VVpUOXRfNGtUY0lldHV1SENLdjFFaXA2TDFOTDdSakZiR1h6UTlUYU5BSG5OUHlwY3lmZW9ERWg1WGR4TGZFVkd5aWdkakhaTERnZGM5X3ptaTA?oc=5" …

CENTRALBK — Frequently Asked Questions

What is the current share price of Central Bank of India (CENTRALBK)?

As of 2026-09-08 04:53 IST, Central Bank of India (CENTRALBK) trades at ₹31.08 on NSE. Its 52-week range is ₹29.62 to ₹39.79.

What is the market capitalisation of CENTRALBK?

Central Bank of India (CENTRALBK) has a market capitalisation of ₹28,131.76 Cr on NSE.

What is the P/E ratio of CENTRALBK?

CENTRALBK trades at a trailing price-to-earnings (P/E) ratio of 6.22. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 0.69.

Does CENTRALBK pay a dividend?

Central Bank of India (CENTRALBK) currently offers a dividend yield of 4.40%.

What is the return on equity (ROE) of CENTRALBK?

CENTRALBK has a return on equity (ROE) of 11.60%.

Is CENTRALBK a good stock to buy?

This page provides a data-driven analysis of Central Bank of India (CENTRALBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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