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Central Bank of India

NSE: CENTRALBK BSE: 532885Banking

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]

₹33.6
52W: ₹31.3 — ₹41.2
PE 6.98 · Book ₹42.5 · -21% vs book
Market Cap₹30,395 Cr
Stock P/E6.98Price to Earnings
ROCE5.61%Return on Capital
ROE11.6%Return on Equity
Div. Yield3.61%Face Value ₹10

Strengths

  • +Stock is trading at 0.80 times its book value
  • +Stock is providing a good dividend yield of 3.59%.
  • +Company has delivered good profit growth of 47.8% CAGR over last 5 years

Weaknesses

  • −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 10.5% over last 3 years.
  • −Contingent liabilities of Rs.1,51,975 Cr.
  • −Company might be capitalizing the interest cost

Shareholding Pattern

Promoters89.27%
FIIs0.75%
DIIs4.82%
Public5.16%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters93.08%93.08%93.08%89.27%▼3.889.27%89.27%89.27%89.27%
FIIs0.16%0.33%▲0.20.44%▲0.11.27%▲0.80.97%▼0.30.88%▼0.10.85%▼0.00.75%▼0.1
DIIs2.81%2.81%2.82%▲0.05.87%▲3.15.06%▼0.84.86%▼0.24.82%▼0.04.82%
Public3.95%3.75%▼0.23.65%▼0.13.59%▼0.14.7%▲1.14.98%▲0.35.06%▲0.15.16%▲0.1

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses3,3733,5463,9113,4903,3633,9543,3863,3183,8403,560
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit7188078809139591,0341,1691,2131,263724
EPS ₹0.830.931.011.051.11.141.291.341.390.8

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 4.82% (+1.99pp change). FIIs: 0.75% (+0.60pp change). Promoters hold 89.27%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 6.98x with 5.61% ROCE. Price is -21% above book value of ₹42.5. Dividend yield: 3.61%.

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