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Banking And Finance | Small Cap
Health Score : 6.43CSB Bank Ltd, operating in the financial services sector, showcases a mixed financial performance. The bank demonstrates strong liquidity, driven by high current and quick ratios, suggesting it can comfortably meet its short-term obligations. Growth metrics are also robust, with significant increases in revenue, EPS, assets, and net income. Profitability is a notable strength, supported by healthy gross profit and net margins. However, solvency is a concern due to high debt levels. Efficiency is also an area of concern. While the bank's financial ratios reflect positive earnings per share, some financial figures such as dividend per share is low. Overall, CSB Bank exhibits solid growth and profitability but needs to address its solvency and efficiency to ensure long-term financial stability.
Health Score : 6.43CSB Bank Ltd, operating in the financial services sector, showcases a mixed financial performance. The bank demonstrates strong liquidity, driven by high current and quick ratios, suggesting it can comfortably meet its short-term obligations. Growth metrics are also robust, with significant increases in revenue, EPS, assets, and net income. Profitability is a notable strength, supported by healthy gross profit and net margins. However, solvency is a concern due to high debt levels. Efficiency is also an area of concern. While the bank's financial ratios reflect positive earnings per share, some financial figures such as dividend per share is low. Overall, CSB Bank exhibits solid growth and profitability but needs to address its solvency and efficiency to ensure long-term financial stability.
Overall Valuation Score
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0.00
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Last Traded Time
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Price Movement Indicator
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P/E RATIO (TTM)
8.75
Industry Median
11.99
Small Cap Median
9.60
P/E RATIO
8.75
P/B RATIO
1.13
Industry Median
1.21
Small Cap Median
1.06
P/S RATIO
1.22
Industry Median
1.65
Small Cap Median
1.29
Others
PEG RATIO
0.00
EV/EBITDA RATIO
2.38
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹319.2 as on Aug 12, 2026.
Growth Score : 8.80CSB Bank demonstrates strong growth across several key metrics. Revenue, earnings per share, assets, and net income have all shown excellent growth rates. However, the operating profit growth rate is a point of concern, indicating potential issues in maintaining profitability as the bank expands. Overall, the growth trajectory is positive, but operational efficiency needs attention.
Revenue Growth RateExcellent
Operating Profit Growth RatePoorEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 8.87 | 13.84 | 26.21 | 22.85 | 25.24 |
| Operating Profit Growth Rate | 1250 | 13.83 | -49.46 | -141.2 | 238.54 |
| Earnings Per Share (EPS) Growth | 109.93 | 19.37 | 3.55 | 4.78 | 6.63 |
| Asset Growth Rate | 8.65 | 15.01 | 23.64 | 32.67 | 20.68 |
| Net Income Growth Rate | 110.09 | 19.43 | 3.66 | 4.76 | 6.57 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Tamilnad Mercantile Bank Ltd | 7.20 | 10.16 | Neutral | N/A | 84.47 | 1338.00 |
| 2 | DCB Bank Ltd | 6.87 | 8.28 | Neutral | N/A | 22.71 | 732.00 |
| 3 | Karnataka Bank Ltd | 6.78 | 9.05 | Neutral | N/A | 34.67 | 1311.00 |
| 4 | CSB Bank Ltd | 6.43 | 8.75 | Neutral | N/A | 36.50 | 633.00 |
| 5 | South Indian Bank Ltd | 4.21 | 8.31 | Neutral | N/A | 5.56 | 1456.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bullish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Concall Report⬤11th May 26
Q4 FY2026 Earnings Conference Call
BULLISH SENTIMENT
Concall Report⬤3rd Feb 26
Q3 FY2026 Earnings Conference Call
NEUTRAL SENTIMENT
Concall Report⬤6th Nov 25
Q2 FY2026 Earnings Conference Call
BULLISH SENTIMENT
CSB Bank Ltd. is a private sector bank in India, primarily focusing on retail, SME, and NRI segments. With a strong presence in South India, particularly Kerala, the bank offers a comprehensive suite of banking products and services, including a significant gold loan portfolio, aiming to serve diverse customer needs across various economic strata.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. CSB Bank Ltd's P/E ratio (TTM) is 8.75, compared to the industry median of 11.99 and large cap median of 9.60.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. CSB Bank Ltd's P/B ratio is 1.13, compared to the industry median of 1.21 and large cap median of 1.06.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. CSB Bank Ltd's P/S ratio is 1.22, compared to the industry median of 1.65 and large cap median of 1.29.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. CSB Bank Ltd's PEG ratio is 0.38.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. CSB Bank Ltd's EV/EBITDA ratio is 2.38.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. CSB Bank Ltd's ROE is 12.93%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. CSB Bank Ltd's ROA is -0.56%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. CSB Bank Ltd's ROCE is 74.28%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. CSB Bank Ltd's operating margin is -7.21%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. CSB Bank Ltd's net margin is 14.05%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. CSB Bank Ltd's current ratio is 31.47.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. CSB Bank Ltd's debt-to-equity ratio is 9.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. CSB Bank Ltd's interest coverage ratio is 1.31.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. CSB Bank Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. CSB Bank Ltd's EPS is 6.63.
(Source line: "Ratios as of 12 Aug 2026, based on last traded price of ₹319.20. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded in 1920 as The Catholic Syrian Bank Limited in Thrissur, Kerala, the bank became a Scheduled Bank under the Second Schedule of the RBI Act in 1935. Over decades, it expanded its branch network and diversified its services. In 2019, the bank was re-branded to CSB Bank Limited and successfully completed its Initial Public Offering (IPO), marking a significant milestone in its journey towards modernization and growth.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail Banking | Approx. 40-45% of Gross Advances | Operating Profit |
| SME Banking | Approx. 30-35% of Gross Advances | Operating Profit |
| Corporate Banking | Approx. 15-20% of Gross Advances | Operating Profit |
| Treasury Operations | Significant contributor to NII | Operating Profit |
Pralay Mondal (MD & CEO): Appointed MD & CEO in 2022, he brings extensive experience from leading private sector banks like Axis Bank, Yes Bank, and HDFC Bank, with a strong background in retail banking and digital transformation.
No major subsidiaries reported.
Initial Public Offering (IPO) in December 2019.
References
The CSB Bank Ltd share price today is ₹319.20 on NSE (CSBBANK), as of 13 Aug 2026.
As of 12 Aug 2026, CSB Bank Ltd share price is ₹319.20, with previous close ₹N/A. Today's range is ₹N/A to ₹N/A. The 52-week range is ₹N/A to ₹N/A.
As of today, CSB Bank Ltd's market cap is ₹5,506.2 crore (Mid Cap).
CSB Bank Ltd's current P/E ratio is 8.75, compared to the BANKING AND FINANCE sector average of 18.50.
CSB Bank Ltd's current P/B ratio is 1.13.
CSB Bank Ltd's current dividend yield is N/A. Last dividend of ₹1.25 per share was declared on 21-Aug-2023.
CSB Bank Ltd's EPS (TTM) is ₹6.63.
CSB Bank Ltd. is a private sector bank in India, primarily focusing on retail, SME, and NRI segments. With a strong presence in South India, particularly Kerala, the bank offers a comprehensive suite of banking products and services, including a significant gold loan portfolio, aiming to serve diverse customer needs across various economic strata.
CSB Bank Ltd is promoted by Fairbridge Capital / FIH Mauritius Investments Ltd, holding 40% as of 12 Aug 2026.
CSB Bank Ltd is listed on NSE (CSBBANK) and BSE (542867). Its next quarterly results are expected on July 2024 (Q1 FY25).
Adjusted Earnings Per Share (Adjusted EPS)