The South Indian Bank Limited SOUTHBANK NSEFINANCIAL
Company Overview
The South Indian Bank Limited provides various banking products and services in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company's personal banking products and services include savings and current accounts, term deposits, and unclaimed deposits/inoperative accounts; personal, car, home, gold, educational, property, and other loans; loans against securities; one time settlement scheme for micro and small enterprises sector; wealth and mutual funds. It also offers insurance products, such as life, health, and various credit risk insurance, as well as general insurance products comprising fire, liability, marine, motor, personal accident, and travel insurance products. In addition, the company provides money transfer services; various cards; and value added services, including SIB rewardz, KYC certification of mutual fund investors, SIB e-academia, 3-in-one trading KIT, green pin, SIB feebook, branch banking, FX-retail, KYC updation, NETC FASTag, sovereign gold bonds, credit and debit cards, ATM cum shopping card, mobile and internet banking, demat, pension system, online trading, NPS lite, SIB collect, SIB travel card, PAN service agency, cash management, direct debit, tax payment and savings investments, and safe deposit locker services, as well as distributes capital gain bonds and tax free bonds. Its NRI banking services comprise NRE and NRO rupee accounts, and foreign currency deposits; e-services; remittances and payments; money transfers; and value-added services, as well as portfolio investment schemes. The company's business banking services include normal and premium accounts, SIB merchant plus, and trader smart current accounts; working capital, long term, non-fund based, supply chain, and SIB commercial vehicle loans; international finance; and merchant acquiring services. It operates through a network of branches and ATMs/CRMs. The South Indian Bank Limited was incorporated in 1929 and is headquartered in Thrissur, India.
Why Investors Should Care
Net profit has compounded at 23.4% per year over the last five years.
Revenue has grown at a 11.2% CAGR over the past five years.
Trades at a P/E of 8.2, below the sector median of 19.8.
Maintains a net profit margin of 26.7%.
Carries low leverage with a debt-to-equity ratio of 0.34.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹5,446.14 Cr (+2.8% YoY); net profit ₹1,455.64 Cr.
- Trailing 12 Months Year-on-year growth — revenue +2.8%, earnings +11.7%.
- 5-Year Trend Long-term compounding — revenue CAGR 11.2%, profit CAGR 23.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 11.20% |
| 1 Year: | 2.78% |
Compounded Profit Growth
| 5 Years: | 23.37% |
| 1 Year: | 11.71% |
Stock Price Performance
| 1 Year: | +53.98% |
| 6 Months: | +10.19% |
| 3 Months: | +17.81% |
| 1 Month: | -2.71% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)52.17 · Neutral
P/E of 8.23 is below the sector median of 19.81 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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 26.7%.
- Compounding revenue at 11.2% over 5 years.
- Profit CAGR of 23.4% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SOUTHBANK The South Indian Bank Limited NSEFINANCIAL | 45.65 | 8.23 | ₹11,949.20 Cr | 0.87% | - | 12.75% | 11.20% | 23.37% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 815.55 | 16.51 | ₹12.48 L Cr | 1.58% | - | 13.62% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.10 | 19.03 | ₹10.19 L Cr | 0.86% | - | 14.93% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,031.00 | 11.31 | ₹9.52 L Cr | 1.67% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,032.90 | 33.85 | ₹6.43 L Cr | 0.53% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 443.80 | 9.77 | ₹5.61 L Cr | 2.26% | - | 32.53% | 7.26% | 16.86% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,340.20 | 15.86 | ₹4.17 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 8 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 381.30 | 19.66 | ₹3.79 L Cr | 0.17% | - | 10.64% | 13.48% | 8.92% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,887.10 | 34.31 | ₹3.02 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,973.00 Cr | 2,025.00 Cr | 2,129.00 Cr | 2,184.00 Cr | 2,275.00 Cr | 2,314.00 Cr | 2,355.00 Cr | 1,278.36 Cr | 1,440.66 Cr | 1,454.26 Cr | 2,407.00 Cr | 1,366.41 Cr | 1,301.17 Cr |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | 680.00 Cr | 877.00 Cr | 777.00 Cr | 836.00 Cr | 828.00 Cr | 893.00 Cr | 852.00 Cr | 749.34 Cr | 757.22 Cr | 781.76 Cr | 852.00 Cr | 781.84 Cr | 720.24 Cr |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 1,116.00 Cr | 1,217.00 Cr | 1,298.00 Cr | 1,365.00 Cr | 1,400.00 Cr | 1,449.00 Cr | 1,472.00 Cr | 1,501.48 Cr | 1,505.11 Cr | 1,529.87 Cr | 1,598.00 Cr | 1,636.85 Cr | 1,644.15 Cr |
| Pretax Income | 522.00 Cr | 292.00 Cr | 409.00 Cr | 435.00 Cr | 393.00 Cr | 394.00 Cr | 440.00 Cr | 462.98 Cr | 459.25 Cr | 433.24 Cr | 473.00 Cr | 504.16 Cr | 546.53 Cr |
| Tax Provision | 187.92 Cr | 90.52 Cr | 134.97 Cr | 130.50 Cr | 106.11 Cr | 102.44 Cr | 114.40 Cr | 120.98 Cr | 116.84 Cr | 111.07 Cr | 122.98 Cr | 129.68 Cr | 139.13 Cr |
| Net Income | 334.00 Cr | 203.00 Cr | 275.00 Cr | 305.00 Cr | 287.00 Cr | 294.00 Cr | 325.00 Cr | 342.00 Cr | 342.41 Cr | 322.17 Cr | 352.00 Cr | 374.48 Cr | 407.40 Cr |
| Diluted EPS | 1.28 | 0.77 | 1.05 | 1.17 | 1.10 | 1.12 | 1.24 | 1.31 | 1.31 | 1.23 | 1.34 | 1.43 | 1.55 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | 7,305.00 Cr | - | 3,961.12 Cr | 4,849.35 Cr | 5,298.62 Cr | 5,446.14 Cr |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | 3,549.00 Cr | - | 2,316.78 Cr | 2,972.65 Cr | 3,028.36 Cr | 3,072.29 Cr |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | 4,899.00 Cr | - | 4,221.10 Cr | 5,280.75 Cr | 5,927.67 Cr | 6,409.14 Cr |
| Pretax Income | 87.00 Cr | - | 1,108.50 Cr | 1,528.91 Cr | 1,757.07 Cr | 1,956.51 Cr |
| Tax Provision | 25.23 Cr | - | 333.19 Cr | 458.67 Cr | 453.97 Cr | 500.87 Cr |
| Net Income | 62.00 Cr | - | 775.31 Cr | 1,070.20 Cr | 1,303.10 Cr | 1,455.64 Cr |
| Diluted EPS | 0.24 | - | 3.49 | 5.09 | 4.98 | 5.55 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.08 L Cr | 1.17 L Cr | 1.25 L Cr | 1.42 L Cr |
| Current Assets | - | - | - | - | - | - |
| Cash & Equivalents | - | - | 9,666.95 Cr | 8,648.86 Cr | 9,216.97 Cr | 10,140.74 Cr |
| Inventory | - | - | - | - | - | - |
| Receivables | - | 6,119.69 Cr | 9,265.14 Cr | 11,438.25 Cr | 10,681.28 Cr | - |
| Total Liabilities | - | - | 1.01 L Cr | 1.09 L Cr | 1.15 L Cr | 1.30 L Cr |
| Current Liabilities | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - |
| Total Debt | - | - | 6,718.85 Cr | 3,912.09 Cr | 2,600.48 Cr | 3,927.01 Cr |
| Total Equity | - | - | 6,674.74 Cr | 8,826.34 Cr | 10,108.03 Cr | 11,416.34 Cr |
| Shares Outstanding | - | - | 227.79 Cr | 261.59 Cr | 261.63 Cr | 261.76 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | - | 5,165.00 Cr | -7,260.82 Cr | 7,075.21 Cr | -2,352.94 Cr | 3,906.63 Cr |
| Investing Cash Flow | - | -1,741.00 Cr | -386.06 Cr | -1,985.91 Cr | 4,434.03 Cr | -5,464.95 Cr |
| Financing Cash Flow | - | -989.00 Cr | 3,523.93 Cr | -2,147.61 Cr | 156.83 Cr | -561.04 Cr |
| Capital Expenditure | - | -37.00 Cr | -112.70 Cr | -182.17 Cr | -158.28 Cr | -140.86 Cr |
| Free Cash Flow | - | 5,128.00 Cr | -7,373.52 Cr | 6,893.03 Cr | -2,511.22 Cr | 3,765.77 Cr |
| Net Change in Cash | - | 2,436.00 Cr | -4,122.94 Cr | 2,941.69 Cr | 2,237.92 Cr | -2,119.36 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - |
| Net Margin % | 0.8% | - | 19.6% | 22.1% | 24.6% | 26.7% |
| ROE % | - | - | 11.6% | 12.1% | 12.9% | 12.8% |
| ROCE % | - | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SOUTHBANK
SOUTHBANK Forecast — Price Target — Prediction for 2027 - TradingView
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South Indian Bank Limited Actuals & Estimates (NSE:SOUTHBANK) - TradingView
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SOUTHBANK — Frequently Asked Questions
What is the current share price of The South Indian Bank Limited (SOUTHBANK)?
As of 2026-07-15 09:52 IST, The South Indian Bank Limited (SOUTHBANK) trades at ₹45.65 on NSE. Its 52-week range is ₹28.46 to ₹48.49.
What is the market capitalisation of SOUTHBANK?
The South Indian Bank Limited (SOUTHBANK) has a market capitalisation of ₹11,949.20 Cr on NSE.
What is the P/E ratio of SOUTHBANK?
SOUTHBANK trades at a trailing price-to-earnings (P/E) ratio of 8.23. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.05.
Does SOUTHBANK pay a dividend?
The South Indian Bank Limited (SOUTHBANK) currently offers a dividend yield of 0.87%.
What is the return on equity (ROE) of SOUTHBANK?
SOUTHBANK has a return on equity (ROE) of 12.75%.
Is SOUTHBANK a good stock to buy?
This page provides a data-driven analysis of The South Indian Bank Limited (SOUTHBANK), 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.