The South Indian Bank Limited SOUTHBANK NSEFINANCIAL

Financial Services · Banks - Regional · India

https://www.southindianbank.bank.in

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.

Market & Price

Market Cap

₹10,842.18 Cr

Current Price

₹41.42

High / Low (52W)

₹45.96 / ₹27.95

Beta

0.28

Valuation

Stock P/E

7.46

Industry PE

19.12

Forward P/E

6.06

PEG Ratio

Book Value

₹42.09

Price to Book

0.98

P/S

2.16

EV/EBITDA

Dividend Yield

0.97%

Profitability & Returns

ROCE

ROE

13.53%

ROA

1.09%

Profit Margin

28.95%

Op Margin

43.14%

EPS (Latest Qtr)

₹1.55

EPS (TTM)

₹5.55

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

₹3,927.01 Cr

Total Assets

₹1.42 L Cr

Current Assets

Working Capital

Ownership

Promoter Holding

4.91%

Chg in Prom Hold

FII / Inst Holding

26.55%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹4,603.26 Cr

Total Revenue (TTM)

₹5,028.80 Cr

EBITDA

Free Cash Flow

Operating Cash Flow

₹-11,912.04 Cr

Shares Outstanding

₹261.76 Cr

Gross Margin

0.00%

Payout Ratio

7.21%

Growth (CAGR)

Revenue 5Y

11.20%

Profit 5Y

23.37%

Revenue (YoY)

11.20%

Earnings (YoY)

18.30%

PROS

Excellent profit margin of 28.9%.
Compounding revenue at 11.2% over 5 years.
Profit CAGR of 23.4% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

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).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SOUTHBANK The South Indian Bank Limited NSEFINANCIAL	41.42	7.46	₹10,842.18 Cr	0.97%	-	13.53%	11.20%	23.37%
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%

Quarterly Results

Figures in INR.

Metric	Dec 2024	Mar 2025	Jun 2025	Dec 2025	Mar 2026
Revenue	1,278.36 Cr	1,440.66 Cr	1,454.26 Cr	1,366.41 Cr	1,301.17 Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	749.34 Cr	757.22 Cr	781.76 Cr	781.84 Cr	720.24 Cr
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	1,501.48 Cr	1,505.11 Cr	1,529.87 Cr	1,636.85 Cr	1,644.15 Cr
Pretax Income	462.98 Cr	459.25 Cr	433.24 Cr	504.16 Cr	546.53 Cr
Tax Provision	120.98 Cr	116.84 Cr	111.07 Cr	129.68 Cr	139.13 Cr
Net Income	342.00 Cr	342.41 Cr	322.17 Cr	374.48 Cr	407.40 Cr
Diluted EPS	1.31	1.31	1.23	1.43	1.55

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	3,961.12 Cr	4,849.35 Cr	5,298.62 Cr	5,446.14 Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	-	2,316.78 Cr	2,972.65 Cr	3,028.36 Cr	3,072.29 Cr
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	-	4,221.10 Cr	5,280.75 Cr	5,927.67 Cr	6,409.14 Cr
Pretax Income	-	1,108.50 Cr	1,528.91 Cr	1,757.07 Cr	1,956.51 Cr
Tax Provision	-	333.19 Cr	458.67 Cr	453.97 Cr	500.87 Cr
Net Income	-	775.31 Cr	1,070.20 Cr	1,303.10 Cr	1,455.64 Cr
Diluted EPS	-	3.49	5.09	4.98	5.55

Compounded Sales Growth

5 Years:	11.20%
1 Year:	11.20%

Compounded Profit Growth

5 Years:	23.37%
1 Year:	18.30%

Stock Price Performance

1 Year:	+48.19%
6 Months:	+7.17%
3 Months:	+0.63%
1 Month:	+4.97%

Balance Sheet (Annual)

Figures in INR.

Metric	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 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-7,260.82 Cr	7,075.21 Cr	-2,352.94 Cr	3,906.63 Cr
Investing Cash Flow	-386.06 Cr	-1,985.91 Cr	4,434.03 Cr	-5,464.95 Cr
Financing Cash Flow	3,523.93 Cr	-2,147.61 Cr	156.83 Cr	-561.04 Cr
Capital Expenditure	-112.70 Cr	-182.17 Cr	-158.28 Cr	-140.86 Cr
Free Cash Flow	-7,373.52 Cr	6,893.03 Cr	-2,511.22 Cr	3,765.77 Cr
Net Change in Cash	-4,122.94 Cr	2,941.69 Cr	2,237.92 Cr	-2,119.36 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	-	-	-	-
Operating Margin %	-	-	-	-	-
Net Margin %	-	19.6%	22.1%	24.6%	26.7%
ROE %	-	11.6%	12.1%	12.9%	12.8%
ROCE %	-	-	-	-	-

Shareholding Pattern

Insiders

4.91%

Institutions

26.55%

Public Float

27.92%

Analyst View

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SOUTHBANK · Financial Services