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CSB Bank Limited CSBBANK NSEFINANCIAL

Financial Services · Banks - Regional · India
https://www.csb.bank.in

CSB Bank Limited provides banking and financial services for small and medium enterprises, retail, and non-resident individuals in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers savings and current, salary/payroll, and fixed and recurring deposit accounts, as well as family banking and segmented products; insurance products, such as life, health, and general insurances, as well as social security schemes; personal, gold, vehicle, home, small business, agriculture, and educational loans, as well as MFI Loans, two-wheeler loans, and healthcare finance; loan against securities and property; doorstep banking services, such as cash pickup and cash delivery, and cheque pickup and reconciliation; and corporate internet banking. The company also provides investment services, such as e-trade and sovereign gold bond; credit and debit cards; digital access and value added services; NRI banking services including NRO, NRE, FCNR, and RFC accounts; and forex services, including outward remittance, foreign currency cash, and integrated treasury services, as well as Agri-banking and financial inclusion services. In addition, it offers SME and corporate banking services, which includes term and working capital loans, export and import finance, letter of credit, buyer and suppliers credit, commercial vehicle and consumption loans, bill discounting, trade and bill finance, cash management, and bank guarantee; ATMs and CDMs; internet, mobile, and WhatsApp banking; and locker facilities. CSB Bank Limited was formerly known as The Catholic Syrian Bank Limited. CSB Bank Limited was incorporated in 1920 and is headquartered in Thrissur, India.

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₹352.85
-3.54% 1Y

Market & Price

Market Cap
₹5,980.02 Cr
Current Price
₹352.85
High / Low (52W)
₹557.45 / ₹332.30
Beta
0.30

Valuation

Stock P/E
9.67
Industry PE
19.12
Forward P/E
5.69
PEG Ratio
-
Book Value
₹282.13
Price to Book
1.25
P/S
2.25
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
-
ROE
13.48%
ROA
1.20%
Profit Margin
23.78%
Op Margin
36.22%
EPS (Latest Qtr)
₹11.62
EPS (TTM)
₹36.48

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹7,154.44 Cr
Total Assets
₹57,726.52 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
55.63%
Chg in Prom Hold
-
FII / Inst Holding
15.43%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹9,178.77 Cr
Total Revenue (TTM)
₹2,662.69 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-7,698.08 Cr
Shares Outstanding
₹16.95 Cr
Gross Margin
0.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
20.65%
Profit 5Y
4.97%
Revenue (YoY)
7.90%
Earnings (YoY)
5.80%

PROS

  • Excellent profit margin of 23.8%.
  • Compounding revenue at 20.6% over 5 years.

CONS

  • Trading 36.7% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

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

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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 CSBBANK CSB Bank Limited NSEFINANCIAL 352.85 9.67 ₹5,980.02 Cr - - 13.48% 20.65% 4.97%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 752.74 Cr624.12 Cr772.76 Cr729.67 Cr770.37 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 435.99 Cr403.81 Cr493.46 Cr437.56 Cr476.70 Cr
Operating Income -----
EBITDA -----
Interest Expense 609.62 Cr661.53 Cr685.60 Cr701.04 Cr736.70 Cr
Pretax Income 256.54 Cr159.52 Cr215.65 Cr205.34 Cr270.65 Cr
Tax Provision 66.10 Cr40.92 Cr55.32 Cr52.67 Cr69.07 Cr
Net Income 190.44 Cr118.60 Cr160.33 Cr152.67 Cr201.58 Cr
Diluted EPS 10.986.849.248.8011.62

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -1,649.61 Cr2,060.83 Cr2,448.23 Cr2,896.92 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -944.86 Cr1,290.87 Cr1,537.99 Cr1,811.53 Cr
Operating Income -----
EBITDA -----
Interest Expense -985.81 Cr1,451.13 Cr2,120.97 Cr2,784.87 Cr
Pretax Income -733.61 Cr761.44 Cr799.53 Cr851.16 Cr
Tax Provision -186.25 Cr194.62 Cr205.73 Cr217.98 Cr
Net Income -547.36 Cr566.82 Cr593.80 Cr633.18 Cr
Diluted EPS 26.4331.5532.6734.23-

Compounded Sales Growth

5 Years:20.65%
1 Year:7.90%

Compounded Profit Growth

5 Years:4.97%
1 Year:5.80%

Stock Price Performance

1 Year:-3.54%
6 Months:-16.77%
3 Months:-7.06%
1 Month:-9.88%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -29,162.28 Cr36,055.99 Cr47,836.27 Cr57,726.52 Cr
Current Assets -----
Cash & Equivalents -2,023.91 Cr3,291.90 Cr3,676.03 Cr4,096.80 Cr
Inventory -----
Receivables 610.58 Cr705.66 Cr512.09 Cr630.48 Cr-
Total Liabilities -25,958.66 Cr32,252.34 Cr43,338.54 Cr52,832.24 Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -782.97 Cr1,757.38 Cr5,246.28 Cr7,154.44 Cr
Total Equity -3,203.63 Cr3,803.65 Cr4,497.73 Cr4,894.28 Cr
Shares Outstanding -17.35 Cr17.35 Cr17.35 Cr17.35 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -2,211.48 Cr1,782.98 Cr-5,255.52 Cr-313.65 Cr
Investing Cash Flow --724.32 Cr-1,439.21 Cr1,903.91 Cr-789.89 Cr
Financing Cash Flow --1,224.22 Cr974.41 Cr3,788.90 Cr1,608.16 Cr
Capital Expenditure --75.21 Cr-118.42 Cr-300.24 Cr-191.37 Cr
Free Cash Flow -2,136.28 Cr1,664.55 Cr-5,555.76 Cr-505.02 Cr
Net Change in Cash -262.95 Cr1,318.18 Cr437.29 Cr504.62 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -33.2%27.5%24.3%21.9%
ROE % -17.1%14.9%13.2%12.9%
ROCE % -----

Shareholding Pattern

Insiders
55.63%
Institutions
15.43%
Public Float
34.76%

Analyst View

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