CSB Bank Ltd

₹324.75▼ -2.62%28 Sept

📊 Stock Analysis

Market Data

Market Cap₹5,633.95 Cr.

52W High₹574.7

Current Price₹324.75

52W Low₹295.1

Down from 52W High43.5 %

Face Value₹10

Performance

ROCE31.75 %

ROE13.58 %

EPS (TTM)₹8.65

EPS Prev Qtr₹11.62

EPS Last Year₹9.24

EBITDA Qtr₹250.77 Cr.

Book Value₹282

Financial Health

Debt/Equity1.46

Debt/Profit10.76

Total Assets₹57,726.52 Cr.

Promoter Holding40 %

Earning Power1.93 %

Valuation

Stock P/E8.48

Industry P/E10.31

Price to Book1.15

Price to Sales1.19

Graham Number₹493.37

Key Metrics

Book Value

₹289

Branches

868

Capital Adequacy % (Basel III)

19.96%

CASA %

19.41%

__derived

Face Value

₹10

Gross NPA %

1.75%

Net NPA %

0.39%

NIM %

3.66%

Provision Coverage %

86.83%

ROA % (annualised)

1.06%

Total Advances

₹40,867 Cr

Total Deposits

₹45,415 Cr

About CSB Bank Ltd

Financial Services · Banks

CSB Bank Ltd is listed on NSE in the Financial Services / Banks sector. Face value ₹10. Market cap ₹5,633.95 Cr.

Price Chart

Peer Comparison

Name	CMP	P/E	Market Cap	Div Yield	NP Qtr	Qtr Profit Var%	Sales Qtr	Qtr Sales Var%	ROCE%	Debt/Eq
HDFC Bank Ltd	-	13.99	₹11,07,124.43 Cr	2.16%	₹82,511.72 Cr	-	₹3,51,818.61 Cr	-	25.02%	1
ICICI Bank Ltd	-	16.6	₹9,33,466.75 Cr	0.92%	₹59,489.34 Cr	-	₹1,98,379.35 Cr	-	28.81%	0.61
State Bank of India	-	10.31	₹8,87,893.11 Cr	1.8%	₹88,120.87 Cr	-	₹5,25,747.06 Cr	-	31.79%	1.3
Kotak Mahindra Bank Ltd	-	6.91	₹3,99,857.71 Cr	0.16%	₹20,238.55 Cr	-	₹70,887.47 Cr	-	20.7%	0.53
Axis Bank Ltd	-	13.54	₹3,76,715.23 Cr	0.08%	₹27,890.16 Cr	-	₹1,35,731.89 Cr	-	22.33%	1.31
Union Bank of India	-	6.35	₹1,31,145.34 Cr	2.91%	₹20,012.21 Cr	-	₹1,07,127.36 Cr	-	44.93%	0.58
Punjab National Bank	-	5.87	₹1,29,295.61 Cr	2.67%	₹20,602.7 Cr	-	₹1,31,788.93 Cr	-	45.06%	0.72
Bank of Baroda	-	6.49	₹1,17,855.34 Cr	3.73%	₹17,697.87 Cr	-	₹1,36,546.33 Cr	-	31.19%	1.03
Canara Bank	-	5.52	₹1,09,664.17 Cr	3.47%	₹18,979.1 Cr	-	₹1,27,805.38 Cr	-	42.06%	1.32
Indian Bank	-	8.47	₹1,08,282.43 Cr	2.27%	₹12,541.37 Cr	-	₹69,314.13 Cr	-	45.78%	0.58
IDBI Bank Ltd	-	9.73	₹90,750.27 Cr	-	₹9,318.15 Cr	-	₹29,542.24 Cr	-	28.56%	0.41
Federal Bank Ltd	-	17.05	₹80,026.16 Cr	0.37%	₹4,834.22 Cr	-	₹30,384.84 Cr	-	33.62%	0.86
AU Small Finance Bank Ltd	-	26.11	₹74,747.4 Cr	0.1%	₹2,856.35 Cr	-	₹19,560.64 Cr	-	149.65%	3.56
IndusInd Bank Ltd	-	53.5	₹70,733.57 Cr	0.17%	₹1,322.16 Cr	-	₹45,296.87 Cr	-	26.82%	0.65
IDFC First Bank Ltd	-	31	₹69,426.16 Cr	0.31%	₹2,304.91 Cr	-	₹41,957.76 Cr	-	26.68%	0.77
Yes Bank Ltd	-	17.82	₹66,539.94 Cr	-	₹3,775.15 Cr	-	₹30,658.32 Cr	-	21.74%	1.28
RBL Bank Ltd	-	29.1	₹62,809.51 Cr	0.25%	₹899.06 Cr	-	₹14,735.81 Cr	-	27.86%	1
Bank of Maharashtra	-	8.24	₹62,109.31 Cr	2.72%	₹7,448.08 Cr	-	₹30,262.41 Cr	-	35.86%	1.06
Indian Overseas Bank	-	10.36	₹61,062.65 Cr	-	₹5,757.71 Cr	-	₹33,289.81 Cr	-	29.78%	1.4
Bank of India	-	5.04	₹59,389.55 Cr	3.56%	₹11,463.77 Cr	-	₹77,243.58 Cr	-	31.76%	1.32

Quarterly Results

📊 Jun 2026: Revenue grew 23.7% YoY, Profit grew 26.5% YoY

	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	1,040.94	1,109.16	1,154.23	1,200.86	1,287.32
↳ QoQ Growth	-	+6.6%	+4.1%	+4.0%	+7.2%
Expenses	60.79	63.65	86.77	23.02	49.03
Operating Profit	220.31	279.3	292.11	293.67	250.77
OPM %	21.16%	25.18%	25.31%	24.45%	19.48%
Other Income	244.71	349.2	276.48	306.21	228.75
Interest	661.53	685.6	701.04	736.7	808.66
Depreciation	-	-	-	-	-
EBITDA	-	-	-	-	-
EBITDA Margin %	-	-	-	-	-
Profit Before Tax	159.52	215.65	205.34	270.65	201.74
Tax %	25.65%	25.65%	25.65%	25.52%	25.63%
Net Profit	118.6	160.33	152.67	201.58	150.04
↳ QoQ Growth	-	+35.2%	-4.8%	+32.0%	-25.6%
EPS	6.84	9.24	8.8	11.62	8.65

Profit & Loss

	Mar 2026	TTM
Sales	4505.19	4751.57
Expenses	234.23	222.47
Operating Profit	1085.39	1115.85
OPM %	24.09%	23.48%
Other Income	1176.6	1160.64
Interest	2784.87	2932
Depreciation	-	-
Profit Before Tax	851.16	893.38
Tax %	25.61%	25.61%
Net Profit	633.18	664.62
EPS	36.5	38.31

Compounded Sales Growth

10Y

TTM

Compounded Profit Growth

10Y

TTM

Stock Price CAGR

10Y

-11.28%

Return on Equity

10Y

Last Year

13.58%

Balance Sheet

	Mar 2025	Mar 2026
Equity Capital	173.54	173.5381
Reserves	4324.19	4720.7485
Borrowings	5546.28	7154.445
Other Liabilities	37792.26	45677.79
Total Liabilities	47836.27	57726.52
Fixed Assets	628.68	708.3046
CWIP	-	1.5024
Investments	11389.34	11955.287
Other Assets	35818.25	45061.42
Total Assets	47836.27	57726.52

Cash Flows

	Mar 2026
Cash from Operating Activity	-313.6471
Cash from Investing Activity	-789.8946
Cash from Financing Activity	1608.1606
Net Cash Flow	504.619

Ratios

	Mar 2026
Debtor Days	-
Inventory Days	-
Days Payable	-
Cash Conversion Cycle	-
Working Capital Days	4097.23
ROCE %	2.15%

Shareholding Pattern

	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters %	40%	40%	40%	40%
FIIs %	14.23%	14.16%	12.84%	12.63%
DIIs %	16.1%	15.63%	15.22%	15.07%
Public %	17.57%	18.07%	19.17%	19.85%
No. of Shareholders	64,754	63,067	65,328	67,652