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CSB Bank

CSBBANK NSE
₹303.00 +7.75 (+2.62%)
P/E
7.91
View as Markdown
MCP
Close 4 Nov 2026 ₹303.00 −121.40 −28.6% 1Y
Start ₹424.40

Key Fundamentals

MicrocapBanksFinancial Services

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

EPS (TTM)
₹38.31
Book Value
₹290.26
Market Cap
—
P/E (TTM)
7.91
P/B
1.04
ROE
13.50%
Dividend Yield
0.00%
52W High
₹574.40
52W Low
₹292.60
Day Range
₹292.60 – ₹303.70
Volume
3,11,235
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 › Private Bank › Private Sector Bank

CSB Bank peer comparison
HDFC Bank
₹736.7014.16₹11,37,598 Cr1.882.48%13.60%—₹3,59,956 Cr₹83,685 Cr
ICICI Bank
₹1,424.1017.28₹10,25,874 Cr2.670.84%15.90%—₹2,06,190 Cr₹62,827 Cr
Kotak Bank
₹459.4021.29₹4,58,686 Cr2.350.14%11.40%—₹73,545 Cr₹21,472 Cr
Axis Bank
₹1,232.0012.79₹3,83,779 Cr1.670.08%13.10%—₹1,41,510 Cr₹30,038 Cr
IDBI Bank
₹79.2910.26₹83,815 Cr1.322.70%14.10%—₹30,953 Cr₹8,329 Cr
Federal Bank
₹335.2015.94₹81,875 Cr2.010.36%11.60%—₹31,552 Cr₹5,387 Cr
Indusind Bank
₹865.1550.98₹66,694 Cr1.000.18%1.36%—₹45,297 Cr₹1,322 Cr
CSB Bank (this company)
₹303.007.91₹5,101 Cr1.040.00%13.50%—₹4,752 Cr₹665 Cr
Median 8 companies₹598.0515.05₹2,33,797 Cr1.780.27%13.30%—₹59,421 Cr₹14,901 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

48 Average

Data confidence 100/100

Category scores

Quality
49
Average
Returns, margins, earnings quality 22% weight
Valuation
49
Average
Cheap vs sector & own history 24% weight
Growth
97
Strong
Sales & profit trajectory 9% weight
Financial Health
40
Weak
Solvency, leverage, coverage 9% weight
Momentum
14
Poor
Trend strength, vol-adjusted 12% weight
Ownership
53
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

1
  • Stock is trading at 1.08 times its book value

Weaknesses

6
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.10,690 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.1,161 Cr.
  • Promoter holding has decreased over last 3 years: -9.72%

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1261
OscillatorsBearish261
Moving AveragesStrong Bearish1000

Key readings

RSI (14)
44.87
Neutral
MACD (12,26,9)
−4.78
Bearish
SMA (50)
317.81
Bearish
SMA (200)
360.35
Bearish

As of

Analyst Rating

Based on 3 analysts
TIED33%

1 of 3 analysts rate Buy, 1 Hold, 1 Sell.

As of

BUY
1
33%
HOLD
1
33%
SELL
1
33%

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 Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+11.75%
5Y+19.20%
3Y+24.76%
1Y+25.24%
TTM+24.83%

Net profit

Net profit growth by window
10YTurned to profit
5Y+23.76%
3Y+4.99%
1Y+6.57%
TTM+11.02%

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₹1,336 Cr
Mar 2018₹1,297 Cr
Mar 2019₹1,348 Cr
Mar 2020₹1,510 Cr
Mar 2021₹1,872 Cr
Mar 2022₹2,038 Cr
Mar 2023₹2,320 Cr
Mar 2024₹2,928 Cr
Mar 2025₹3,597 Cr
Mar 2026₹4,505 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹2.00 Cr
Mar 2018−₹97.00 Cr
Mar 2019−₹197 Cr
Mar 2020₹13.00 Cr
Mar 2021₹218 Cr
Mar 2022₹458 Cr
Mar 2023₹547 Cr
Mar 2024₹567 Cr
Mar 2025₹594 Cr
Mar 2026₹633 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹42.00 +15.1% vs FY26
Reported High Mean Low

AI Analysis — Bull vs Bear

Generated 6 Jul 2026
AI opinion · based on fundamentals
Risk high

CSB Bank Ltd trades at a market cap of Rs.6,081 Cr with a PE of 9.6x and PB of 1.29x. The bank has delivered 25% TTM revenue growth and maintains a 3-year average ROE of 15%, but its stock has declined 15% over the past year and the bank pays no dividend despite consistent profitability.

Bull Case 6
  • Strong revenue growth with TTM compounded sales growth at 25% and 3-year CAGR also at 25%, indicating sustained business momentum
  • Price-to-book ratio of 1.29x is modest for a bank delivering double-digit ROE, offering potential value
  • Consistent profitability with 5-year compounded profit CAGR of 24% and 10-year profit CAGR of 20%, demonstrating long-term earnings trajectory
  • 3-year ROE of 15% and 5-year ROE of 16% reflect efficient capital utilization sustained over multiple years
  • 5-year compounded sales CAGR of 19% shows the bank has been growing meaningfully even on a longer timeframe
  • Market cap of Rs.6,081 Cr positions it as a small-cap bank with potential for re-rating if growth sustains
Bear Case 8
  • No dividend paid despite repeated profitability, raising questions about capital allocation and shareholder returns
  • Promoter holding has decreased by 9.72% over the last 3 years, signaling potential lack of promoter confidence or dilution
  • Contingent liabilities of Rs.7,445 Cr exceed the bank's market cap of Rs.6,081 Cr, representing a significant off-balance-sheet risk
  • Low interest coverage ratio indicates vulnerability to interest rate movements and potential stress on debt servicing
  • Other income of Rs.1,177 Cr forms a material portion of earnings, suggesting core operating income may be overstated
  • Possible capitalization of interest cost raises concerns about true expense recognition and asset quality reporting
  • Stock has declined 15% over the past 1 year and delivered 0% CAGR over 5 years, reflecting sustained market skepticism
  • TTM profit growth has slowed to 7% compared to the 5-year CAGR of 24%, indicating a potential deceleration in earnings momentum

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

AI News Digest

121d ago

TL;DR: CSB Bank is demonstrating strong deposit and loan growth, with Q1FY27 deposits up 26% YoY and gold advances up 47%. No material headwinds are visible in recent news flow. The employee stock option scheme signals management confidence in retention and long-term value creation. The growth trajectory appears healthy heading into FY27, though concentration in gold loans warrants monitoring.

Positives 1
  • Deposits surge 26% YoY Jul 2

    CSB Bank reported total deposits of ₹45,415 crore for Q1FY27, up 26% YoY. Gold loan advances surged 47% to ₹21,906 crore, indicating strong growth in core lending.

Neutral 2
  • ESOS 2026 approved for employees Jun 25

    Board approved Employee Stock Option Scheme 2026 proposing up to 20,00,000 options, subject to shareholder approval.

  • Analyst meeting with East Bridge Jun 12

    CSB Bank held a virtual one-on-one meeting with East Bridge Capital on June 11, 2026. No unpublished price sensitive information was shared.

Quarterly Results

₹ Cr
CSBBANK quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
683
687
762
795
832
865
919
981
1,041
1,109
1,154
1,201
1,287
Expenses
307
308
308
376
381
380
391
496
465
557
524
500
506
Financing Profit
57
35
75
10
−19
−13
−15
−125
−85
−134
−71
−36
−27
Fin. Margin %
8%
5%
10%
1%
−2%
−2%
−2%
−13%
−8%
−12%
−6%
−3%
−2%
Other Income
120
143
125
197
172
199
219
381
245
349
276
306
229
Interest
319
344
379
409
470
497
544
610
662
686
701
737
809
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
177
178
200
206
152
186
204
257
160
216
205
271
202
Tax %
25%
25%
25%
27%
26%
26%
26%
26%
26%
26%
26%
26%
26%
Net Profit
132
133
150
151
113
138
152
190
119
160
153
202
150
EPS (₹)
7.62
7.68
8.64
8.73
6.53
7.98
8.74
10.98
6.84
9.24
8.8
11.62
8.65
Gross NPA %
1.27%
1.27%
1.22%
1.47%
1.69%
1.68%
1.58%
1.57%
1.84%
1.81%
1.96%
1.66%
1.75%
Net NPA %
0.32%
0.33%
0.31%
0.51%
0.68%
0.69%
0.64%
0.52%
0.66%
0.52%
0.67%
0.4%
0.39%

Profit & Loss

₹ Cr
CSBBANK profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
1,545
1,483
1,336
1,297
1,348
1,510
1,872
2,038
2,320
2,928
3,597
4,505
4,752
Expenses
555
643
589
644
859
656
911
748
873
1,244
1,572
1,938
2,087
Financing Profit
−199
−319
−275
−259
−419
−64
30
405
461
233
−96
−218
−267
Fin. Margin %
−13%
−22%
−21%
−20%
−31%
−4%
2%
20%
20%
8%
−3%
−5%
−6%
Other Income
127
105
281
125
136
222
303
247
316
584
972
1,177
1,161
Interest
1,189
1,159
1,023
912
908
918
931
885
986
1,451
2,121
2,785
2,932
Depreciation
11
14
15
16
17
24
41
38
43
56
76
107
0
PBT
−82
−228
−9
−149
−300
134
293
614
734
761
800
851
893
Tax %
−35%
−34%
−117%
−35%
−34%
90%
25%
25%
25%
26%
26%
26%
—
Net Profit
−53
−150
2
−97
−197
13
218
458
547
567
594
633
665
EPS (₹)
−8.81
−20.88
0.19
−12.04
−22.98
0.73
12.59
26.43
31.55
32.67
34.23
36.5
38.31
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
CSBBANK balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
60
72
81
81
86
174
174
174
174
174
174
174
Reserves
828
821
918
808
1,346
1,787
2,007
2,478
3,030
3,630
4,324
4,721
Borrowing
45
42
42
42
0
794
1,426
2,007
783
1,757
5,546
7,154
Deposits
14,474
14,438
14,912
14,691
15,124
15,791
19,140
20,188
24,506
29,719
36,861
44,246
Other Liabilities
351
279
271
249
356
319
591
509
670
776
931
1,432
Total Liabilities
15,760
15,652
16,223
15,870
16,911
18,864
23,337
25,356
29,162
36,056
47,836
57,727
Fixed Assets
175
215
215
216
218
253
269
288
319
406
450
708
CWIP
0
0
0
0
0
0
0
0
0
0
179
2
Investments
4,427
5,987
5,762
4,114
4,028
5,360
6,126
7,012
5,849
7,551
11,389
11,955
Other Assets
11,158
9,450
10,246
11,540
12,666
13,251
16,942
18,057
22,994
28,099
35,818
45,061
Total Assets
15,760
15,652
16,223
15,870
16,911
18,864
23,337
25,356
29,162
36,056
47,836
57,727

Cash Flow

₹ Cr
CSBBANK cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−356
−166
395
27
−893
−1,109
1,374
−852
2,211
1,783
−5,256
−314
Investing
−16
−13
−17
−18
−22
−235
−1,231
131
−724
−1,439
1,904
−790
Financing
97
106
106
−5
674
1,310
632
581
−1,224
974
3,789
1,608
Net Cash Flow
−276
−72
485
4
−242
−34
775
−140
263
1,318
437
505
Free Cash Flow
−372
−178
378
9
−915
−1,153
1,318
−908
2,137
1,667
−5,555
−502

Ratios

CSBBANK financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
−7%
−17%
0%
−10%
−17%
1%
11%
19%
19%
16%
14%
13%

Insights

Beta

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

Log in to view CSB Bank insights

83 extracted metrics across FY15–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 40.00%
  • Public 29.94%
  • DIIs 15.69%
  • FIIs 12.33%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about CSB Bank

What does CSB Bank Ltd do?
CSB Bank (formerly The Catholic Syrian Bank Ltd) is engaged in the business of banking Services ,oldest private sector banks in India with a history of over 98 years, and a strong base in Kerala, Bank focus on SME, retail, and NRI customers.
Where is CSB Bank Ltd (CSBBANK) listed?
CSB Bank Ltd trades as CSBBANK on the NSE and under code 542867 on the BSE.
Which sector does CSB Bank Ltd belong to?
CSB Bank Ltd is classified under the Banks sector, in the Private Bank industry.
What is the PE ratio of CSB Bank Ltd?
CSB Bank Ltd trades at a PE ratio of 7.91 as of 4 Nov 2026, on earnings per share of ₹38.31, against a book value of ₹290.26 per share.
What is the 52-week high and low of CSB Bank Ltd?
Over the last 52 weeks CSB Bank Ltd has traded between ₹292.6 and ₹574.4 as of 4 Nov 2026.
What is the Return on Equity (ROE) of CSB Bank Ltd?
CSB Bank Ltd reported a return on equity of 13.50%.

Company Information

CSB Bank (formerly The Catholic Syrian Bank Ltd) is engaged in the business of banking Services ,oldest private sector banks in India with a history of over 98 years, and a strong base in Kerala, Bank focus on SME, retail, and NRI customers.

Website csb.co.in
CEO Mr. Pralay Mondal
Employees 7,614
Listed 4 Dec 2019
Face Value ₹10

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