South Indian Bank Ltd

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South Ind.Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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South Indian Bank Ltd

₹ 46.1 0.41%
18 Sep - close price
southindianbank.com BSE: 532218 NSE: SOUTHBANK
About

Established in 1929, South Indian Bank was the first ‘scheduled bank’ amongst the private banks in Kerala. It has strong presence in south India and particularly in Kerala. South Indian Bank provides retail and corporate banking, para banking activities such as debit card, third party financial product distribution, in addition to Treasury and Foreign Exchange Business.[1]

Key Points

Key Ratios - Q3 FY26[1][2]
Capital Adequacy Ratio - 17.84%
Net Interest Margin - 2.86%
Gross NPA - 2.67%
Net NPA - 0.45%
CASA Ratio - 31.84%

Website BSE NSE
  • Market Cap ₹ 12,067 Cr.
  • Current Price ₹ 46.1
  • High / Low ₹ 49.9 / 28.5
  • Stock P/E 7.99
  • Book Value ₹ 45.1
  • Dividend Yield 0.98 %
  • ROCE 6.42 %
  • ROE 13.5 %
  • Face Value ₹ 1.00
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Pros

  • Stock is trading at 1.02 times its book value
  • Company has delivered good profit growth of 88.0% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 6.15% over past five years.
  • Company has a low return on equity of 13.7% over last 3 years.
  • Contingent liabilities of Rs.14,248 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

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
2,025 2,129 2,184 2,275 2,314 2,355 2,371 2,373 2,362 2,407 2,518 2,559 2,628
Interest 1,217 1,298 1,365 1,400 1,449 1,472 1,501 1,505 1,530 1,598 1,637 1,644 1,603
877 777 837 828 893 852 816 982 1,022 852 863 754 897
Financing Profit -70 53 -18 47 -27 30 54 -113 -189 -43 18 161 128
Financing Margin % -3% 3% -1% 2% -1% 1% 2% -5% -8% -2% 1% 6% 5%
361 356 452 346 422 410 409 572 622 516 486 386 379
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 292 409 435 393 395 440 463 459 433 472 504 547 507
Tax % 31% 33% 30% 27% 25% 26% 26% 25% 26% 26% 26% 25% 26%
202 275 305 288 294 325 342 342 322 351 374 408 378
EPS in Rs 0.77 1.05 1.17 1.10 1.12 1.24 1.31 1.31 1.23 1.34 1.43 1.56 1.44
Gross NPA % 5.13% 4.96% 4.74% 4.50% 4.50% 4.40% 4.30% 3.20% 3.15% 2.93% 2.67% 1.43% 1.38%
Net NPA % 1.85% 1.70% 1.61% 1.46% 1.44% 1.31% 1.25% 0.92% 0.68% 0.56% 0.45% 0.29% 0.26%
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
5,286 5,557 5,847 6,193 6,877 7,764 7,305 6,587 7,233 8,613 9,413 9,846 10,112
Interest 3,920 4,048 4,172 4,227 4,857 5,446 4,899 4,347 4,221 5,281 5,928 6,409 6,482
1,396 1,450 1,725 2,239 2,296 3,136 3,467 3,106 2,629 3,228 3,440 3,376 3,366
Financing Profit -30 59 -50 -274 -276 -818 -1,060 -866 383 104 45 61 263
Financing Margin % -1% 1% -1% -4% -4% -11% -15% -13% 5% 1% 0% 1% 3%
497 517 716 837 726 1,046 1,229 1,034 813 1,516 1,813 2,009 1,767
Depreciation -1 67 65 64 70 78 83 84 87 90 102 115 0
Profit before tax 468 510 600 500 380 150 87 84 1,108 1,529 1,757 1,956 2,031
Tax % 34% 35% 35% 33% 35% 30% 29% 46% 30% 30% 26% 26%
307 333 392 335 248 105 62 45 775 1,070 1,303 1,455 1,511
EPS in Rs 1.37 1.48 1.74 1.48 1.09 0.46 0.24 0.17 2.96 4.09 4.98 5.56 5.77
Dividend Payout % 26% 20% 18% 22% 18% 0% 0% 0% 8% 7% 8% 8%
Compounded Sales Growth
10 Years: 6%
5 Years: 6%
3 Years: 11%
TTM: 7%
Compounded Profit Growth
10 Years: 16%
5 Years: 88%
3 Years: 23%
TTM: 14%
Stock Price CAGR
10 Years: 9%
5 Years: 38%
3 Years: 25%
1 Year: 54%
Return on Equity
10 Years: 9%
5 Years: 12%
3 Years: 14%
Last Year: 14%

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
Equity Capital 135 135 180 181 181 181 209 209 209 262 262 262
Reserves 3,457 3,711 4,668 5,062 5,156 5,296 5,600 5,645 6,465 8,565 9,846 11,154
Deposits 52,112 55,721 66,117 72,030 80,420 83,034 82,711 89,142 91,651 101,920 107,526 123,346
Borrowing 2,032 2,615 1,958 4,043 4,903 6,893 4,108 3,294 6,994 3,912 4,300 3,927
1,380 1,294 1,388 1,370 1,619 1,628 1,521 1,761 2,378 2,754 2,721 3,067
Total Liabilities 59,116 63,475 74,312 82,686 92,279 97,033 94,149 100,052 107,698 117,413 124,655 141,756
469 467 618 642 677 776 755 752 754 966 1,018 1,043
CWIP 10 20 38 39 32 24 40 59 124 0 0 0
Investments 14,086 14,744 19,430 18,363 19,081 20,625 20,321 21,445 24,642 23,977 21,777 27,328
44,551 48,244 54,226 63,642 72,489 75,608 73,033 77,796 82,178 92,469 101,860 113,386
Total Assets 59,116 63,475 74,312 82,686 92,279 97,033 94,149 100,052 107,698 117,413 124,655 141,756

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
687 109 1,957 793 1,678 656 5,808 5,165 -7,261 7,075 -2,353 3,907
-173 -1,398 -1,842 -824 -1,175 -1,577 -1,092 -1,741 -386 -1,986 4,434 -5,465
-137 168 498 364 98 288 -138 -989 3,524 -2,148 157 -561
Net Cash Flow 377 -1,121 613 333 602 -633 4,578 2,436 -4,123 2,942 2,238 -2,119
Free Cash Flow 618 34 1,835 704 1,580 575 5,733 5,128 -7,370 6,901 -2,509 3,768
CFO/OP 25% 8% 55% 23% 40% 17% 149% 150% -153% 142% -34% 68%

Ratios

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
ROE % 9% 9% 9% 7% 5% 2% 1% 1% 12% 14% 14% 14%

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Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
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Gross Advances
Rs. Crore
Gross NPA Ratio
%
Total Deposits
Rs. Crore
CASA Ratio
%
Employees
count
Business per Employee
Rs. Crore

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Shareholding Pattern

Numbers in percentages

1 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
15.00% 14.68% 15.17% 13.44% 11.47% 11.46% 11.96% 17.58% 17.91% 20.94% 24.21% 25.39%
6.59% 7.61% 4.61% 5.06% 5.25% 7.25% 10.42% 11.10% 11.92% 13.79% 12.75% 14.24%
78.40% 77.70% 80.20% 81.49% 83.26% 81.29% 77.61% 71.31% 70.16% 65.25% 63.03% 60.36%
No. of Shareholders 8,09,6648,88,39711,04,00312,08,11312,47,47112,58,79212,54,66111,97,82811,81,50511,51,96611,67,27811,43,415

* 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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