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The South Indian Bank Limited SOUTHBANK NSEFINANCIAL

Financial Services · Banks - Regional · India
https://www.southindianbank.bank.in
Company Profile ↓
₹47.29
+60.52% 1Y
Mkt Cap₹12,378.48 Cr
P/E8.52
P/B1.05
Div. Yield0.95%
52W High₹48.02
52W Low₹28.31
Book Value₹43.61
EPS (TTM)₹5.55

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 offers savings, institutional banking, non-resident external, non-resident ordinary, fixed currency non-resident, and current accounts; term deposits; and portfolio investment schemes. It also provides personal, car, home, gold, education, commercial vehicle and construction equipment, property, and other loans; working capital, long-term, non-fund based, and supply chain finance services; finance against warehouse receipts, lease rental factoring, and OTS scheme for micro and small enterprises; funding for harvesting and procurement, and transport; and international finance services. In addition, the company offers debit, credit, travel, gift, automated teller machine (ATM) cum shopping, and prepaid cards; life, health, general, export credit, and government-sponsored insurance schemes; and investment services, including mutual funds, sovereign gold bonds, demat account, pension scheme, and national pension system. Further, it provides domestic and international money transfer services; remittance and cash management services; priority and doorstep banking services; safe deposit lockers; and FX-Retail, an online platform that allows both retail and corporate customers to book foreign exchange in real time. Additionally, the company offers various e-services; merchant acquiring services; a range of customized services for individuals, government organizations, public sector undertakings, and other government-specified entities; payments; international and mobile banking services; and other services. It operates through a network of branches, and automated teller and cash recycler machines. The South Indian Bank Limited was incorporated in 1929 and is headquartered in Thrissur, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 23.4% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 8.5, below the sector median of 19.6.

Healthy Margins

Maintains a net profit margin of 28.0%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.30.

Positive Free Cash Flow

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

Recent Developments

  • Mar 2026 Revenue of ₹5,199.62 Cr (+4.5% YoY); net profit ₹1,455.64 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +4.5%, earnings +11.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 9.5%, profit CAGR 23.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:9.49%
1 Year:4.51%

Compounded Profit Growth

5 Years:23.37%
1 Year:11.71%

Stock Price Performance

1 Year:+60.52%
6 Months:+19.96%
3 Months:+4.41%
1 Month:+0.69%

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

Technical Snapshot Bullish
52-Week Range 96% of range
₹28.31 ₹48.02
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)60.66 · Neutral
Price Performance
1M+0.69%
3M+4.41%
6M+19.96%
1Y+60.52%
Valuation vs Sector

P/E of 8.52 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 28.0%.
  • 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.

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Valuation

Stock P/E
8.52
Industry PE
19.62
Forward P/E
6.74
PEG Ratio
-
Book Value
₹43.61
Price to Book
1.05
P/S
2.41
EV/EBITDA
-
Dividend Yield
0.95%

Growth (CAGR)

Revenue 5Y
9.49%
Profit 5Y
23.37%
Revenue (YoY)
4.51%
Earnings (YoY)
11.71%

Profitability & Returns

ROCE
-
ROE
12.75%
ROA
1.03%
Profit Margin
28.00%
Op Margin
38.45%
Gross Margin
0.00%
EPS (Latest Qtr)
₹1.44
EPS (TTM)
₹5.55

Balance Sheet & Liquidity

Debt/Equity
0.30
Quick Ratio
-
Current Ratio
-
Debt
₹3,427.01 Cr
Total Assets
₹1.44 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
4.91%
Chg in Prom Hold
-0.00%
FII / Inst Holding
29.64%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
₹12,378.48 Cr
Total Revenue (TTM)
₹5,199.62 Cr
EBITDA
-
Free Cash Flow
₹3,765.79 Cr
Operating Cash Flow
₹3,906.64 Cr
Shares Outstanding
₹261.76 Cr
Gross Margin
0.00%
Payout Ratio
6.94%

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 SOUTHBANK The South Indian Bank Limited NSEFINANCIAL 47.29 8.52 ₹12,378.48 Cr 0.95% - 12.75% 9.49% 23.37%
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 1,973.00 Cr2,025.00 Cr2,129.00 Cr2,184.00 Cr2,275.00 Cr2,314.00 Cr2,355.00 Cr1,278.36 Cr1,440.66 Cr1,454.26 Cr2,407.00 Cr1,366.41 Cr1,301.17 Cr1,404.31 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 680.00 Cr877.00 Cr777.00 Cr836.00 Cr828.00 Cr893.00 Cr852.00 Cr749.34 Cr757.22 Cr781.76 Cr852.00 Cr781.84 Cr720.24 Cr812.47 Cr
Operating Income --------------
EBITDA --------------
Interest Expense 1,116.00 Cr1,217.00 Cr1,298.00 Cr1,365.00 Cr1,400.00 Cr1,449.00 Cr1,472.00 Cr1,501.48 Cr1,505.11 Cr1,529.87 Cr1,598.00 Cr1,636.85 Cr1,644.15 Cr1,603.09 Cr
Pretax Income 522.00 Cr292.00 Cr409.00 Cr435.00 Cr393.00 Cr394.00 Cr440.00 Cr462.98 Cr459.25 Cr433.24 Cr473.00 Cr504.16 Cr546.53 Cr507.50 Cr
Tax Provision 187.92 Cr90.52 Cr134.97 Cr130.50 Cr106.11 Cr102.44 Cr114.40 Cr120.98 Cr116.84 Cr111.07 Cr122.98 Cr129.68 Cr139.13 Cr129.84 Cr
Net Income 334.00 Cr203.00 Cr275.00 Cr305.00 Cr287.00 Cr294.00 Cr325.00 Cr342.00 Cr342.41 Cr322.17 Cr352.00 Cr374.48 Cr407.40 Cr377.66 Cr
Diluted EPS 1.280.771.051.171.101.121.241.311.311.231.341.431.551.44

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 7,305.00 Cr-3,961.12 Cr4,849.35 Cr4,975.30 Cr5,199.62 Cr
Cost of Revenue ------
Gross Profit ------
Operating Expenses 3,549.00 Cr-2,316.78 Cr2,972.65 Cr3,027.05 Cr3,075.94 Cr
Operating Income ------
EBITDA ------
Interest Expense 4,899.00 Cr-4,221.10 Cr5,280.75 Cr5,927.67 Cr6,409.14 Cr
Pretax Income 87.00 Cr-1,108.50 Cr1,528.91 Cr1,757.06 Cr1,956.52 Cr
Tax Provision 25.23 Cr-333.19 Cr458.67 Cr453.97 Cr500.88 Cr
Net Income 62.00 Cr-775.31 Cr1,070.20 Cr1,303.09 Cr1,455.64 Cr
Diluted EPS 0.24-3.495.094.985.55

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets --1.08 L Cr1.17 L Cr1.25 L Cr1.42 L Cr
Current Assets ------
Cash & Equivalents --9,666.95 Cr8,648.86 Cr9,216.97 Cr9,100.18 Cr
Inventory ------
Receivables --9,265.14 Cr11,438.25 Cr10,681.28 Cr12,353.36 Cr
Total Liabilities --1.01 L Cr1.09 L Cr1.15 L Cr1.30 L Cr
Current Liabilities ------
Long Term Debt ------
Total Debt --6,718.85 Cr3,912.09 Cr2,600.48 Cr3,427.01 Cr
Total Equity --6,674.74 Cr8,826.34 Cr10,108.03 Cr11,416.34 Cr
Shares Outstanding --227.79 Cr261.59 Cr261.63 Cr261.76 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -5,165.00 Cr-7,260.82 Cr7,075.21 Cr-2,352.95 Cr3,906.64 Cr
Investing Cash Flow --1,741.00 Cr-386.06 Cr-1,985.91 Cr4,434.02 Cr-5,464.95 Cr
Financing Cash Flow --989.00 Cr3,523.93 Cr-2,147.61 Cr156.85 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 Cr6,893.03 Cr-2,511.23 Cr3,765.79 Cr
Net Change in Cash -2,436.00 Cr-4,122.94 Cr2,941.69 Cr2,237.92 Cr-2,119.35 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------
Operating Margin % ------
Net Margin % 0.8%-19.6%22.1%26.2%28.0%
ROE % --11.6%12.1%12.9%12.8%
ROCE % ------

Shareholding Pattern

Insiders
4.91%
Institutions
29.64%
Public Float
31.16%

Analyst View

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Latest News

Recent headlines for SOUTHBANK

Google News Fri, 04 Sep 2026

South Indian Bank (NSE:SOUTHBANK) Ticks All The Boxes When It Comes To Earnings Growth - simplywall.st

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Google News hu, 25 Jun 2026

SOUTHBANK Forecast — Price Target — Prediction for 2027 - TradingView

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Google News hu, 26 Mar 2026

Southbank East offices log strongest quarter in more than a decade - Stock Titan

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Google News Fri, 05 Jun 2026

South Indian Bank (SOUTHBANK) Sees Mild Profit Booking – Key Support Levels in Focus - Point of Control - vinanet.vn

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Google News ue, 25 Aug 2026

South (SOUTHBANK.NS) Outlook: Advances 0.42% to ₹45.35 in the Latest Session; Market Levels: Traders Can Monitor the ₹43.08-₹47.62 Range at the Close - Imbalance Zone - siam.in

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Google News Wed, 12 Aug 2026

South Indian Bank Share Pros and Cons 2026 | SOUTHBANK Stock Analysis - Univest

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SOUTHBANK — Frequently Asked Questions

What is the current share price of The South Indian Bank Limited (SOUTHBANK)?

As of 2026-09-08 04:53 IST, The South Indian Bank Limited (SOUTHBANK) trades at ₹47.29 on NSE. Its 52-week range is ₹28.31 to ₹48.02.

What is the market capitalisation of SOUTHBANK?

The South Indian Bank Limited (SOUTHBANK) has a market capitalisation of ₹12,378.48 Cr on NSE.

What is the P/E ratio of SOUTHBANK?

SOUTHBANK trades at a trailing price-to-earnings (P/E) ratio of 8.52. The industry average P/E is 19.62. 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 0.95%.

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.

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