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Central Bank of India

CENTRALBK NSE
₹29.90 No trade today
P/E
5.62
View as Markdown
MCP
Close 4 Nov 2026 ₹29.90 −8.21 −21.5% 1Y
Start ₹38.11

Key Fundamentals

SmallcapBanksFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

EPS (TTM)
₹5.32
Book Value
₹41.74
Market Cap
—
P/E (TTM)
5.62
P/B
0.72
ROE
11.90%
Dividend Yield
4.08%
52W High
₹40.92
52W Low
₹28.26
Volume
0
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Debt to Equity
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Banks › Public Sector Bank

Central Bank of India peer comparison
SBI
₹979.0010.48₹9,03,461 Cr1.421.79%15.40%—₹5,38,780 Cr₹89,666 Cr
Union Bank of India
₹183.896.38₹1,39,687 Cr1.022.73%15.70%—₹1,09,300 Cr₹22,000 Cr
Punjab National Bank
₹122.426.15₹1,39,168 Cr0.932.48%13.00%—₹1,34,543 Cr₹22,932 Cr
Bank of Baroda
₹245.376.98₹1,25,618 Cr0.733.49%12.70%—₹1,36,546 Cr₹18,393 Cr
Indian Bank
₹854.008.70₹1,14,613 Cr1.442.15%15.40%—₹71,835 Cr₹13,220 Cr
Canara Bank
₹118.325.27₹1,07,387 Cr0.883.57%16.10%—₹1,30,895 Cr₹20,314 Cr
Bank of Maharashtra
₹79.618.12₹61,525 Cr1.722.73%22.60%—₹30,262 Cr₹7,536 Cr
Central Bank of India (this company)
₹29.905.62₹26,874 Cr0.724.08%11.90%—₹38,888 Cr₹4,826 Cr
Median 8 companies₹153.166.68₹1,20,115 Cr0.982.73%15.40%—₹1,20,098 Cr₹19,354 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

51 Average

Data confidence 100/100

Category scores

Quality
38
Weak
Returns, margins, earnings quality 22% weight
Valuation
80
Strong
Cheap vs sector & own history 24% weight
Growth
77
Strong
Sales & profit trajectory 9% weight
Financial Health
36
Poor
Solvency, leverage, coverage 9% weight
Momentum
17
Poor
Trend strength, vol-adjusted 12% weight
Ownership
51
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

3
  • Stock is trading at 0.63 times its book value
  • Stock is providing a good dividend yield of 4.16%.
  • Company has delivered good profit growth of 45.9% CAGR over last 5 years

Weaknesses

5
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 9.64% over past five years.
  • Company has a low return on equity of 10.8% over last 3 years.
  • Contingent liabilities of Rs.2,20,772 Cr.
  • Company might be capitalizing the interest cost

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallBearish775
OscillatorsNeutral171
Moving AveragesStrong Bearish604

Key readings

RSI (14)
49.62
Neutral
MACD (12,26,9)
−0.35
Bullish
SMA (50)
30.40
Bearish
SMA (200)
33.27
Bearish

As of

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Sep 2026 against Sep 2025.

Revenue

Revenue growth by window
10Y+3.36%
5Y+9.64%
3Y+12.13%
1Y+7.02%
TTM+12.41%

Net profit

Net profit growth by window
10YTurned to profit
5YTurned to profit
3Y+38.98%
1Y+14.91%
TTM+5.14%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹24,775 Cr
Mar 2018₹24,163 Cr
Mar 2019₹22,749 Cr
Mar 2020₹23,676 Cr
Mar 2021₹22,830 Cr
Mar 2022₹22,903 Cr
Mar 2023₹25,657 Cr
Mar 2024₹30,849 Cr
Mar 2025₹33,797 Cr
Mar 2026₹36,168 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017−₹2,457 Cr
Mar 2018−₹5,134 Cr
Mar 2019−₹5,611 Cr
Mar 2020−₹1,252 Cr
Mar 2021−₹995 Cr
Mar 2022₹1,083 Cr
Mar 2023₹1,688 Cr
Mar 2024₹2,677 Cr
Mar 2025₹3,943 Cr
Mar 2026₹4,531 Cr

AI Analysis — Bull vs Bear

Figures as of 2 Nov 2026
AI opinion · based on fundamentals
Risk high

Central Bank of India trades at ₹29.50 as of 2026-11-02 with a market cap of ₹26,186 Cr. The stock is valued at a P/E of 5.55x and P/B of 0.71x, offering a dividend yield of 4.18%, while its 52-week range of ₹28.26–₹40.92 indicates the stock is near its annual low.

Bull Case 7
  • Deep value on a book-value basis: the stock trades at a P/B of 0.71x, meaning the market prices it at a ~29% discount to its stated book value.
  • Attractive dividend yield of 4.18% as of 2026-11-02, well above the broader market average, providing meaningful income support.
  • Strong long-term profit compounding: profit has grown at a 46% CAGR over the last 5 years and 18% CAGR over 10 years, reflecting a sustained earnings recovery.
  • Low earnings multiple: the trailing P/E of 5.55x implies modest expectations are already priced in, leaving room for re-rating if execution continues.
  • Revenue growth has accelerated to 12% on a TTM basis, up from a 10% CAGR over 5 years and 3% over 10 years, suggesting improving business momentum.
  • Return on equity has improved meaningfully to 11.59% currently versus a negative 10-year average of -1%, indicating a structural turnaround in profitability.
  • 3-year ROE averages 11%, a sharp reversal from the 10-year average of -1%, pointing to improved asset quality and credit costs.
Bear Case 8
  • Massive contingent liabilities of ₹2,20,772 Cr dwarf the bank's market cap of ₹26,186 Cr by roughly 8.4x, posing a significant tail risk if even a fraction crystallises.
  • The stock has delivered a -26% return over the past 1 year and a -11% CAGR over 10 years, reflecting persistent long-term wealth destruction for shareholders.
  • Low interest coverage ratio signals the bank's earnings may not comfortably service its obligations, a core risk metric for a lending institution.
  • Despite the profit surge, revenue growth over 5 years stands at only 10% CAGR and just 3% over 10 years, indicating the earnings recovery has been driven more by lower provisions than top-line expansion.
  • TTM profit growth has decelerated sharply to 7% compared to the 3-year CAGR of 39%, suggesting the easy gains from the NPA cleanup cycle may be fading.
  • 3-year ROE of approximately 10.8% remains below the cost of equity for most Indian banks, which limits the case for the stock to trade at or above book value.
  • Potential capitalisation of interest costs, if confirmed, could mean reported profitability overstates true economic earnings.
  • The 3-year stock CAGR of -13% indicates the market has consistently de-rated the bank even as reported profits improved, pointing to persistent trust or governance concerns.

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

9h ago

TL;DR: Central Bank of India is performing well operationally, with Q2FY27 net profit rising 21% YoY and asset quality improving to a GNPA of 2.39%. There are no notable headwinds in the recent news flow. Leadership transitions appear routine, and active investor engagement signals continued transparency. The improving earnings and asset quality trend is constructive heading into H2FY27.

Positives 1
  • Q2 profit up 21% YoY Oct 17

    Central Bank of India posted Q2FY27 net profit of ₹1,468.86 crore, up 21% YoY. Net interest income grew 18.4% YoY and GNPA improved to 2.39%.

Neutral 4
  • Analyst meets in Oct-Nov Nov 02

    Management held one-on-one analyst meetings on Nov 2 (in-person with Aditya Birla Capital, Antique Stock Broking) and Oct 21 (virtual with Arihant Capital Markets). Discussions limited to publicly available information.

  • Three senior executive promotions Oct 31

    Effective Nov 1, 2026, P. Anup Kumar was named CGM – Customer Care, Pankaj Kumar promoted to GM – Marketing & Sales, and Meher Kumar Panigrahi appointed GM – MD of Cent Bank Home Finance.

  • SMP exit on superannuation Oct 31

    Poppy Sharma ceased as Senior Management Personnel on Oct 31, 2026 due to superannuation from bank services.

Quarterly Results

₹ Cr
CENTRALBK quarterly results, ₹ crore
Particulars Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue
7,377
7,842
8,371
8,367
8,235
8,542
8,653
8,623
8,777
9,070
9,698
9,726
10,394
Expenses
3,534
3,377
3,561
3,920
3,500
3,373
3,968
3,381
3,291
3,853
3,573
3,129
3,833
Financing Profit
−495
−207
−1
−354
−71
185
−553
21
9
−335
448
803
334
Fin. Margin %
−7%
−3%
0%
−4%
−1%
2%
−6%
0%
0%
−4%
5%
8%
3%
Other Income
1,062
1,329
1,363
1,166
1,649
1,232
1,723
1,857
1,470
1,927
1,161
988
1,380
Interest
4,338
4,672
4,811
4,801
4,807
4,984
5,238
5,222
5,476
5,552
5,677
5,794
6,227
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
567
1,122
1,363
812
1,578
1,418
1,171
1,878
1,479
1,592
1,609
1,791
1,715
Tax %
−7%
35%
40%
−9%
42%
32%
11%
33%
18%
21%
54%
26%
14%
Net Profit
609
728
812
887
921
968
1,042
1,260
1,220
1,265
739
1,329
1,475
EPS (₹)
0.72
0.85
0.94
1.09
1.06
1.11
1.22
1.42
1.36
1.4
0.82
1.46
1.64
Gross NPA %
4.61%
4.5%
4.5%
4.54%
4.59%
3.87%
3.18%
3.14%
3.02%
2.71%
2.67%
2.61%
2.4%
Net NPA %
1.64%
1.28%
1.24%
0.75%
0.7%
0.61%
0.56%
0.5%
0.49%
0.46%
0.5%
0.51%
0.32%

Profit & Loss

₹ Cr
CENTRALBK profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
26,476
25,988
24,775
24,163
22,749
23,676
22,830
22,903
25,657
30,849
33,797
36,168
38,888
Expenses
8,620
11,529
12,744
14,015
14,580
12,135
12,419
10,477
12,778
13,099
14,102
13,578
14,388
Financing Profit
−1,344
−4,430
−6,136
−7,455
−7,766
−4,464
−4,133
−934
−1,026
−133
−134
664
1,250
Fin. Margin %
−5%
−17%
−25%
−31%
−34%
−19%
−18%
−4%
−4%
0%
0%
2%
3%
Other Income
1,900
2,019
2,871
2,620
2,416
3,622
2,994
2,986
4,164
4,814
5,784
6,463
5,458
Interest
19,200
18,889
18,166
17,603
15,935
16,005
14,543
13,361
13,905
17,882
19,830
21,926
23,249
Depreciation
230
240
258
260
278
285
293
297
386
500
558
530
0
PBT
327
−2,651
−3,523
−5,096
−5,628
−1,127
−1,431
1,755
2,752
4,181
5,092
6,597
6,708
Tax %
−89%
−47%
−31%
0%
0%
0%
−30%
38%
39%
36%
23%
31%
—
Net Profit
670
−1,392
−2,457
−5,134
−5,611
−1,252
−995
1,083
1,688
2,677
3,943
4,531
4,826
EPS (₹)
4.02
−8.26
−12.93
−19.63
−13.88
−2.2
−1.7
1.24
1.93
3.07
4.35
5
5.32
Div. Payout %
12%
0%
0%
0%
0%
0%
0%
0%
0%
0%
4%
36%
—

Balance Sheet

₹ Cr
CENTRALBK balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital
1,658
1,690
1,902
2,618
4,047
5,710
5,876
8,681
8,681
8,681
9,051
9,051
9,051
Reserves
16,077
16,818
16,309
15,592
15,349
15,827
20,621
18,868
20,536
23,693
27,830
29,950
32,587
Borrowing
19,777
9,503
9,623
6,026
5,640
6,076
5,760
7,663
8,334
20,013
21,820
31,854
38,908
Deposits
2,62,263
2,66,686
2,97,309
2,95,354
3,00,311
3,14,201
3,30,328
3,43,165
3,59,775
3,85,541
4,13,271
4,68,444
5,08,863
Other Liabilities
12,991
11,924
9,551
7,759
6,538
15,337
7,390
8,915
9,754
9,844
8,485
11,780
9,613
Total Liabilities
3,12,766
3,06,621
3,34,695
3,27,349
3,31,885
3,57,151
3,69,974
3,87,292
4,07,080
4,47,772
4,80,457
5,51,079
5,99,022
Fixed Assets
2,843
4,369
4,300
4,353
4,320
4,346
5,142
4,964
4,786
5,345
5,214
5,202
5,163
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
0
Investments
89,921
89,087
92,277
1,02,769
1,25,453
1,42,526
1,48,518
1,40,775
1,36,569
1,44,010
1,41,652
1,57,607
1,64,475
Other Assets
2,20,001
2,13,165
2,38,118
2,20,227
2,02,112
2,10,279
2,16,315
2,41,553
2,65,725
2,98,416
3,33,591
3,88,270
4,29,384
Total Assets
3,12,766
3,06,621
3,34,695
3,27,349
3,31,885
3,57,151
3,69,974
3,87,292
4,07,080
4,47,772
4,80,457
5,51,079
5,99,022

Cash Flow

₹ Cr
CENTRALBK cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
2,274
281
61,871
−44,376
−14,510
1,726
−2,003
14,277
−8,786
−5,910
−2,460
2,804
Investing
−332
−149
−189
−310
−251
−315
−202
−133
−209
−584
−451
−454
Financing
510
599
1,543
5,154
6,796
3,396
5,055
0
0
0
1,500
−713
Net Cash Flow
2,452
732
63,225
−39,533
−7,965
4,807
2,849
14,143
−8,995
−6,494
−1,410
1,637
Free Cash Flow
1,989
132
61,682
−44,687
−14,761
1,411
−2,206
14,143
−8,995
−6,494
−2,910
2,350

Ratios

CENTRALBK financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
4%
−8%
−13%
−28%
−30%
−6%
−4%
4%
6%
9%
11%
12%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Central Bank of India insights

88 extracted metrics across FY12–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 81.19%
  • DIIs 10.62%
  • Public 6.23%
  • FIIs 1.29%
  • Others 0.67%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Documents

Frequently Asked Questions about Central Bank of India

What does Central Bank of India do?
Central Bank of India is a commercial bank. The Bank's segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and other Banking business. The Treasury Operations segment includes dealing in government and other securities, money market operations and Forex operations.
Where is Central Bank of India (CENTRALBK) listed?
Central Bank of India trades as CENTRALBK on the NSE and under code 532885 on the BSE.
Which sector does Central Bank of India belong to?
Central Bank of India is classified under the Banks sector, in the Public Sector Bank industry.
What is the PE ratio of Central Bank of India?
Central Bank of India trades at a PE ratio of 5.62 as of 4 Nov 2026, on earnings per share of ₹5.32, against a book value of ₹41.74 per share.
What is the 52-week high and low of Central Bank of India?
Over the last 52 weeks Central Bank of India has traded between ₹28.26 and ₹40.92 as of 4 Nov 2026.
Does Central Bank of India pay dividends?
Central Bank of India has a dividend yield of 4.08%.
What is the Return on Equity (ROE) of Central Bank of India?
Central Bank of India reported a return on equity of 11.90%.

Company Information

Central Bank of India is a commercial bank. The Bank's segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and other Banking business. The Treasury Operations segment includes dealing in government and other securities, money market operations and Forex operations.

Website centralbankofindia.co.in
CEO Mr. Malladi Venkat Murali Krishna
Employees 33,081
Listed 21 Aug 2007
Face Value ₹10

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