CSB Bank Ltd

CSB Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

CSB Bank Ltd

₹ 359 1.31%
15 May - close price
csb.co.in BSE: 542867 NSE: CSBBANK
About

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.(Source : Company Web-site )

Key Points

Business Segments Q3 FY26[1]
a) Retail Banking (~55%):
The company offers products like CASA accounts, deposits, loans, forex, credit cards, gold loans, and personal loans.
b) Wholesale Banking (~27%):
It caters to corporate clients, focusing on corporate lending, capital markets, securitization, and supply chain finance.
c) Treasury Management (~15%):
CSB manages statutory reserves, asset-liability, liquidity, investments, trading in fixed-income securities, and foreign exchange operations.
d) SME Banking (~4%):
It includes the Business Banking and Emerging Enterprise segments.

Website BSE NSE
  • Market Cap ₹ 6,222 Cr.
  • Current Price ₹ 359
  • High / Low ₹ 575 / 322
  • Stock P/E 9.83
  • Book Value ₹ 282
  • Dividend Yield 0.00 %
  • ROCE 7.05 %
  • ROE 13.5 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.7,445 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.1,177 Cr.
  • Promoter holding has decreased over last 3 years: -9.72%

* 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 Private Sector Bank

Part of BSE Financial Services Nifty Microcap 250 Nifty Total Market Nifty500 LargeMidSmall Equal-Cap Weighted BSE 1000

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
636 683 687 762 795 832 865 919 981 1,041 1,109 1,154 1,201
Interest 288 319 344 379 409 470 497 544 610 662 686 701 737
263 307 308 308 376 381 380 391 496 465 557 524 500
Financing Profit 85 57 35 75 10 -19 -13 -15 -125 -85 -134 -71 -36
Financing Margin % 13% 8% 5% 10% 1% -2% -2% -2% -13% -8% -12% -6% -3%
126 120 143 125 197 172 199 219 381 245 349 276 306
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 211 177 178 200 206 152 186 204 257 160 216 205 271
Tax % 26% 25% 25% 25% 27% 26% 26% 26% 26% 26% 26% 26% 26%
156 132 133 150 151 113 138 152 190 119 160 153 202
EPS in Rs 9.01 7.62 7.68 8.64 8.73 6.53 7.98 8.74 10.98 6.84 9.24 8.80 11.62
Gross NPA % 1.26% 1.27% 1.27% 1.22% 1.47% 1.69% 1.68% 1.58% 1.57% 1.84% 1.81% 1.96% 1.66%
Net NPA % 0.35% 0.32% 0.33% 0.31% 0.51% 0.68% 0.69% 0.64% 0.52% 0.66% 0.52% 0.67% 0.40%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
1,545 1,483 1,336 1,297 1,348 1,510 1,872 2,038 2,320 2,928 3,597 4,505
Interest 1,189 1,159 1,023 912 908 918 931 885 986 1,451 2,121 2,785
555 643 589 644 859 656 911 748 873 1,244 1,572 2,046
Financing Profit -199 -319 -275 -259 -419 -64 30 405 461 233 -96 -325
Financing Margin % -13% -22% -21% -20% -31% -4% 2% 20% 20% 8% -3% -7%
127 105 281 125 136 222 303 247 316 584 972 1,177
Depreciation 11 14 15 16 17 24 41 38 43 56 76 0
Profit before tax -82 -228 -9 -149 -300 134 293 614 734 761 800 851
Tax % -35% -34% -117% -35% -34% 90% 25% 25% 25% 26% 26% 26%
-53 -150 2 -97 -197 13 218 458 547 567 594 633
EPS in Rs -8.81 -20.88 0.19 -12.04 -22.98 0.73 12.59 26.43 31.55 32.67 34.23 36.50
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 12%
5 Years: 19%
3 Years: 25%
TTM: 25%
Compounded Profit Growth
10 Years: 20%
5 Years: 24%
3 Years: 5%
TTM: 7%
Stock Price CAGR
10 Years: %
5 Years: 2%
3 Years: 8%
1 Year: 0%
Return on Equity
10 Years: 11%
5 Years: 16%
3 Years: 15%
Last Year: 13%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 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
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
Borrowing 45 42 42 42 0 794 1,426 2,007 783 1,757 5,546 7,154
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
175 215 215 216 218 253 269 288 319 406 450 710
CWIP 0 0 0 0 0 0 0 0 0 0 179 0
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
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 Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-356 -166 395 27 -893 -1,109 1,374 -852 2,211 1,783 -5,256 -314
-16 -13 -17 -18 -22 -235 -1,231 131 -724 -1,439 1,904 -790
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
CFO/OP -36% -19% 53% 4% -181% -127% 142% -58% 165% 119% -249% -3%

Ratios

Figures in Rs. Crores

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 % -7% -17% 0% -10% -17% 1% 11% 19% 19% 16% 14% 13%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Net NPA
%

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Number of Branches
Number
CASA Ratio
%
Gold Loan Book Size
₹ Crore
Net Interest Margin (NIM)
%
Gold Loan LTV
%
Gold Loan Tonnage
Tonnes

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
49.72% 49.72% 49.72% 49.72% 40.00% 40.00% 40.00% 40.00% 40.00% 40.00% 40.00% 40.00%
5.89% 4.65% 4.62% 4.93% 12.42% 12.71% 12.80% 13.07% 15.37% 14.23% 14.16% 12.84%
12.19% 14.35% 16.07% 15.94% 18.71% 17.59% 17.06% 16.89% 14.63% 16.10% 15.64% 15.22%
29.32% 28.43% 26.74% 26.80% 26.34% 27.18% 27.63% 27.65% 27.62% 27.29% 27.86% 29.63%
2.88% 2.88% 2.86% 2.62% 2.54% 2.53% 2.52% 2.40% 2.39% 2.39% 2.35% 2.31%
No. of Shareholders 57,08755,52962,95863,49767,00476,57978,65478,23665,04464,75463,06765,328

* 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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Documents

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