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CSB Bank Ltd

NSE: CSBBANK BSE: 542867Banking

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 )

354
52W: ₹322 — ₹575
PE 9.69 · Book ₹282 · +26% vs book
Market Cap₹6,134 Cr
Stock P/E9.69Price to Earnings
ROCE7.05%Return on Capital
ROE13.5%Return on Equity
Div. Yield0%Face Value ₹10

Weaknesses

  • 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%

Shareholding Pattern

Promoters40%
FIIs12.84%
DIIs15.22%
Public29.63%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters40%40%40%40%40%40%40%40%
FIIs12.42%12.71%0.312.8%0.113.07%0.315.37%2.314.23%1.114.16%0.112.84%1.3
DIIs18.71%17.59%1.117.06%0.516.89%0.214.63%2.316.1%1.515.64%0.515.22%0.4
Public26.34%27.18%0.827.63%0.427.65%0.027.62%0.027.29%0.327.86%0.629.63%1.8

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses308376381380391496465557524500
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit150151113138152190119160153202
EPS ₹8.648.736.537.988.7410.986.849.248.811.62

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: 15.22% (+3.03pp change). FIIs: 12.84% (+6.95pp change). Promoters hold 40%.

Margin & Efficiency

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

Valuation

PE 9.69x with 7.05% ROCE. Price is 26% above book value of ₹282. Dividend yield: 0%.

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