Central Bank of India

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Central Bank of India

₹ 28.8 -3.93%
23 Oct - close price
centralbankofindia.co.in BSE: 532885 NSE: CENTRALBK
About

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.[1]

Key Points

Key Ratios Q3 FY26[1][2][3][4]
Capital Adequacy Ratio - 16.13%
Net Interest Margin - 2.96%
Gross NPA -2.7%
Net NPA - 0.45%
CASA Ratio - 47.13%

Website BSE NSE
  • Market Cap ₹ 26,095 Cr.
  • Current Price ₹ 28.8
  • High / Low ₹ 40.9 / 28.6
  • Stock P/E 5.46
  • Book Value ₹ 45.4
  • Dividend Yield 4.16 %
  • ROCE 5.61 %
  • ROE 11.6 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.64 times its book value
  • Stock is providing a good dividend yield of 4.16%.
  • Company has delivered good profit growth of 47.7% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 9.65% over past five years.
  • Company has a low return on equity of 10.4% over last 3 years.
  • Contingent liabilities of Rs.2,20,762 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Public Sector Bank

Part of BSE 500 BSE PSU Nifty 500 Nifty PSU Bank BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
7,351 7,809 8,337 8,335 8,203 8,509 8,619 8,589 8,743 9,033 9,661 9,691 10,357
Interest 4,323 4,657 4,796 4,787 4,792 4,969 5,220 5,205 5,460 5,531 5,659 5,777 6,212
3,526 3,373 3,546 3,911 3,490 3,363 3,954 3,371 3,281 3,840 3,560 3,117 3,820
Financing Profit -498 -221 -5 -363 -80 177 -556 12 2 -338 442 797 325
Financing Margin % -7% -3% -0% -4% -1% 2% -6% 0% 0% -4% 5% 8% 3%
1,061 1,330 1,362 1,165 1,647 1,229 1,714 1,771 1,469 1,926 1,150 987 1,380
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 563 1,109 1,356 802 1,567 1,407 1,158 1,783 1,471 1,588 1,592 1,784 1,706
Tax % -8% 35% 40% -10% 42% 32% 11% 34% 18% 20% 54% 26% 14%
605 718 807 880 913 959 1,034 1,169 1,213 1,263 724 1,324 1,469
EPS in Rs 0.70 0.83 0.93 1.01 1.05 1.10 1.14 1.29 1.34 1.39 0.80 1.46 1.62
Gross NPA % 4.62% 4.50% 4.50% 4.54% 4.59% 3.86% 3.18% 3.13% 3.01% 2.70% 2.67% 2.60% 2.39%
Net NPA % 1.64% 1.27% 1.23% 0.73% 0.69% 0.59% 0.55% 0.49% 0.48% 0.45% 0.49% 0.49% 0.31%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
26,409 25,888 24,661 24,036 22,639 23,562 22,730 22,802 25,542 30,722 33,666 36,026 38,742
Interest 19,162 18,822 18,087 17,519 15,866 15,934 14,485 13,315 13,855 17,826 19,769 21,855 23,178
8,022 11,508 12,721 16,775 17,078 11,890 12,392 10,442 12,739 13,055 14,048 13,522 14,337
Financing Profit -775 -4,443 -6,147 -10,258 -10,305 -4,261 -4,147 -955 -1,053 -158 -151 648 1,227
Financing Margin % -3% -17% -25% -43% -46% -18% -18% -4% -4% -1% -0% 2% 3%
1,894 2,013 2,876 2,622 2,413 3,637 3,116 2,968 4,084 4,711 5,642 6,316 5,443
Depreciation 229 239 257 260 278 285 292 297 386 500 557 530 0
Profit before tax 890 -2,669 -3,529 -7,896 -8,170 -910 -1,324 1,717 2,645 4,053 4,934 6,434 6,670
Tax % 32% -47% -31% -35% -31% 23% -33% 39% 40% 37% 23% 32%
606 -1,418 -2,439 -5,105 -5,641 -1,121 -888 1,045 1,582 2,549 3,785 4,369 4,780
EPS in Rs 3.66 -8.39 -12.82 -19.50 -13.94 -1.96 -1.51 1.20 1.82 2.94 4.18 4.83 5.27
Dividend Payout % 14% 0% 0% 0% 0% 0% 0% 0% 0% 0% 4% 37%
Compounded Sales Growth
10 Years: 3%
5 Years: 10%
3 Years: 12%
TTM: 12%
Compounded Profit Growth
10 Years: 17%
5 Years: 48%
3 Years: 40%
TTM: 9%
Stock Price CAGR
10 Years: -11%
5 Years: 4%
3 Years: -13%
1 Year: -26%
Return on Equity
10 Years: -1%
5 Years: 8%
3 Years: 10%
Last Year: 12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 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 15,799 16,524 16,049 15,367 15,100 15,720 20,630 18,846 20,428 23,467 27,455 29,419 32,040
Deposits 261,895 266,184 296,671 294,839 299,855 313,763 329,973 342,692 359,296 385,011 412,697 467,922 508,509
Borrowing 19,652 9,208 9,282 5,706 5,239 5,787 5,469 7,474 8,119 19,806 21,592 31,481 38,287
12,937 11,860 9,497 7,695 6,476 15,269 7,268 8,873 9,641 9,708 8,333 11,606 9,425
Total Liabilities 311,940 305,466 333,402 326,225 330,718 356,249 369,215 386,566 406,165 446,673 479,128 549,480 597,313
2,833 4,359 4,290 4,343 4,310 4,336 5,132 4,955 4,776 5,336 5,204 5,125 5,162
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 89,740 88,868 92,095 102,632 125,298 142,518 148,582 140,787 136,583 143,923 141,435 157,320 164,110
219,367 212,239 237,017 219,250 201,109 209,395 215,500 240,824 264,806 297,413 332,489 387,035 428,041
Total Assets 311,940 305,466 333,402 326,225 330,718 356,249 369,215 386,566 406,165 446,673 479,128 549,480 597,313

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
2,248 308 61,847 -44,396 -14,588 1,771 -1,987 14,268 -8,794 -5,916 -2,469 2,786
-328 -179 -176 -300 -245 -297 -194 -125 -200 -576 -442 -436
512 601 1,554 5,158 6,805 3,403 5,055 0 0 0 1,500 -713
Net Cash Flow 2,432 731 63,225 -39,538 -8,028 4,877 2,874 14,143 -8,995 -6,492 -1,411 1,638
Free Cash Flow 1,964 119 61,659 -44,706 -14,838 1,456 -2,187 14,135 -9,003 -6,500 -2,919 2,333

Ratios

Standalone / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 4% -8% -13% -28% -30% -5% -4% 4% 6% 8% 11% 12%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Business per Employee
₹ crore

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CASA Ratio
% of total deposits
Credit-Deposit Ratio
%
Gross Advances
₹ crore
Total Branches
count
Slippage Ratio
%
RAM Share (Retail + Agriculture + MSME) of Total Advances
%
Active Customer Base
crore

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
93.08% 93.08% 93.08% 93.08% 93.08% 89.27% 89.27% 89.27% 89.27% 89.27% 81.19% 81.19%
0.07% 0.17% 0.16% 0.33% 0.44% 1.27% 0.97% 0.88% 0.85% 0.75% 0.93% 1.29%
2.79% 2.80% 2.81% 2.81% 2.82% 5.87% 5.06% 4.86% 4.82% 4.82% 10.95% 10.63%
4.04% 3.95% 3.95% 3.75% 3.65% 3.59% 4.70% 4.98% 5.06% 5.16% 6.93% 6.91%
No. of Shareholders 5,29,5916,43,5506,85,3946,67,4356,71,0066,79,1057,18,9287,21,2727,19,9397,14,5477,44,2257,42,939

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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