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Consolidated Standalone

CentralBank of India

₹37.2 1 | 2.7%

Market Cap ₹33680 Cr.

Stock P/E 13.1

P/B 1.1

Current Price ₹37.2

Book Value ₹ 35

Face Value 10

52W High ₹73

Dividend Yield 0%

52W Low ₹ 33.2

Edit Ratio

CentralBank of India Research see more...

Overview Inc. Year: 1911Industry: Bank - Public

Central Bank of India is a commercial bank. The Bank's segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and different Banking enterprise. The Treasury Operations section includes dealing in authorities and different securities, cash marketplace operations and Forex operations. The Corporate/Wholesale section includes advances to trusts/partnership firms, companies and statutory bodies. The Retail Banking section includes exposures of approximately five crores (such as fund-based and non-fund-based exposures) challenge to orientation, product, granularity criteria and individual exposures. The other Banking segment consists of other banking operations. The Bank offers deposits, loans, Agri banking, cards, e-payment and other offerings. It has a community of about 4,730 branches, over 3,680 ultra-small branches and about 5,250 automatic teller machines. It has distribution network in 30 States and in over six Union Territories in India.

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CentralBank of India Share Price

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Peer Comparison

CentralBank of India Quarterly Results

#(Fig in Cr.) Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Interest Earned 6184 6746 7171 7259 7377 7842 8371 8367 8235 8542
Other Income 909 919 1424 959 1062 1329 1363 1166 1649 1232
Total Income 7093 7666 8596 8218 8439 9171 9734 9533 9884 9774
Interest Expense 3421 3444 3643 4062 4338 4672 4811 4801 4807 4984
Operating Expenditure 1915 2403 2835 2302 2565 2557 2851 2726 2902 2814
Provisions and contingencies 1124 998 1207 816 968 821 710 1193 598 559
Operating Profit 633 820 910 1038 567 1122 1363 812 1578 1418
Profit Before Tax 633 820 910 1038 567 1122 1363 812 1578 1418
Provision for Tax 308 355 335 610 -41 395 551 -75 657 450
Profit After Tax 325 466 575 428 609 728 812 887 921 968
Adjustments 16 8 16 67 13 7 4 55 3 -5
Profit After Adjustments 341 473 591 495 622 734 816 942 924 963
Adjusted Earnings Per Share 0.4 0.5 0.7 0.6 0.7 0.8 0.9 1.1 1.1 1.1

CentralBank of India Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Interest Earned 24478 26476 25988 24775 24163 22749 23676 22830 22903 25657 30849 33515
Other Income 1931 1900 1944 2871 2620 2416 3622 3111 2967 4084 4713 5410
Total Income 26410 28376 27932 27646 26784 25165 27298 25940 25871 29742 35562 38925
Interest Expense 17963 19200 18889 18166 17603 15935 16005 14543 13361 13905 17882 19403
Operating Expenditure 5190 5597 6378 6378 6426 6080 6939 6799 7277 8910 10275 11293
Provisions and contingencies 4240 2678 5322 6633 10641 11307 5270 5913 3496 4254 3324 3060
Operating Profit -984 902 -2657 -3532 -7887 -8156 -915 -1315 1737 2672 4080 5171
Profit Before Tax -984 902 -2657 -3532 -7887 -8156 -915 -1315 1737 2672 4080 5171
Provision for Tax 268 284 -1251 -1090 -2791 -2529 212 -436 672 1063 1504 1583
Profit After Tax -1252 618 -1406 -2442 -5096 -5628 -1127 -878 1065 1609 2576 3588
Adjustments -14 48 10 -17 -44 11 -128 -122 11 69 92 57
Profit After Adjustments -1266 666 -1396 -2459 -5140 -5617 -1256 -1000 1076 1679 2668 3645
Adjusted Earnings Per Share -9.4 4 -8.3 -12.9 -19.6 -13.9 -2.2 -1.7 1.2 1.9 3.1 4.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 20% 11% 6% 2%
Operating Profit CAGR 53% 0% 0% 0%
PAT CAGR 60% 0% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -42% 23% 17% -10%
ROE Average 10% 7% 2% -8%
ROCE Average 11% 9% 5% -5%

CentralBank of India Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 16010 17735 18508 0 18210 19396 21537 26497 27549 29217 32374
Minority's Interest 31 33 35 35 40 43 45 51 58 67 76
Deposits 240345 255942 266686 297309 295354 300311 314201 330328 343165 359775 385541
Borrowings 22137 26099 9503 9623 6026 5640 6076 5760 7663 8334 20013
Other Liabilities & Provisions 11573 12958 11889 9516 7719 6494 15292 7339 8857 9687 9767
Total Liabilities 290095 312766 306621 0 327349 331885 357151 369974 387292 407080 447772
Cash and balance with RBI 11927 14116 14070 75087 36000 20779 30060 32188 38034 27433 22955
Bank Balance 460 722 1499 3708 3262 10518 6045 6766 15063 16669 14653
Investments 86262 89921 89087 0 102769 125453 142526 148518 140775 136569 144010
Advances 177755 189068 180895 140464 157480 147425 151952 157389 169042 203893 244399
Fixed Assets 2814 2843 4369 4300 4353 4320 4346 5142 4964 4786 5345
Other Assets 10877 16096 16701 18859 23485 23389 22222 19972 19415 17730 16409
Total Assets 290095 312766 306621 0 327349 331885 357151 369974 387292 407080 447772

CentralBank of India Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 14092 12386 14838 15570 78795 39262 31298 36105 38954 53097 44102
Cash Flow from Operating Activities -2490 2274 281 61871 -44376 -14510 1726 -2003 14277 -8786 -5910
Cash Flow from Investing Activities -369 -332 -149 -189 -310 -251 -315 -202 -133 -209 -584
Cash Flow from Financing Activities 1153 510 599 1543 5154 6796 3396 5055 0 0 0
Net Cash Inflow / Outflow -1706 2452 732 63225 -39533 -7965 4807 2849 14143 -8995 -6494
Closing Cash & Cash Equivalent 12386 14838 15570 78795 39262 31298 36105 38954 53097 44102 37608

CentralBank of India Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) -9.37 4.02 -8.26 -12.93 -19.63 -13.88 -2.2 -1.7 1.24 1.93 3.07
CEPS(Rs) -7.72 5.11 -6.9 -11.48 -18.47 -13.22 -1.47 -1 1.57 2.3 3.54
DPS(Rs) 0 0.5 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 92.96 96.01 86.88 75.3 57.6 39.8 32.53 30.47 27.46 29.45 32.59
Yield on Advances 13.77 14 14.37 17.64 15.34 15.43 15.58 14.51 13.55 12.58 12.62
Yield on Investments 7.21 8.15 7.93 0 7.51 6.92 7.82 7.64 6.93 6.58 7.05
Cost of Liabilities 6.84 6.81 6.84 5.92 5.84 5.21 5 4.33 3.81 3.78 4.41
NIM (Net Interest Margin) 2.36 2.48 2.49 3.01 2.19 2.24 2.32 2.4 2.63 3.06 3.04
Interest Spread 6.93 7.2 7.53 11.72 9.5 10.22 10.58 10.18 9.74 8.81 8.21
ROA(%) -0.45 0.21 -0.45 -1.59 -3.11 -1.71 -0.33 -0.24 0.28 0.41 0.6
ROE(%) -10.17 4.34 -9.19 -16.84 -34.66 -36.09 -6.5 -4.82 5.1 6.52 9.57
ROCE(%) 1.62 6.23 -3.95 -14.31 -38.42 -30.43 -1.18 -2.55 6.58 8.66 11.15
PER(x) 0 26.51 0 0 0 0 0 0 14.81 12.49 19.45
Price/Book(x) 0.54 1.11 0.85 1.41 1.28 0.92 0.38 0.54 0.67 0.82 1.83
Dividend Yield(%) 0 0.47 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 1.25 1.65 0.85 1.2 1.05 0.9 0.55 0.67 1.03 1.14 2.33
EV/Core EBITDA(x) 9.37 12.22 8.26 9.6 9.17 6.48 3 3.34 4.51 4.23 9.71
Interest Earned Growth(%) 11.79 8.16 -1.84 -4.67 -2.47 -5.85 4.07 -3.57 0.32 12.02 20.24
Net Profit Growth -221.49 149.4 -327.43 -73.66 -108.67 -10.44 79.97 22.07 221.17 51.18 60.07
Advances Growth 3.16 6.36 -4.32 -22.35 12.11 -6.38 3.07 3.58 7.4 20.62 19.87
EPS Growth(%) -211.32 142.85 -305.74 -56.45 -51.83 29.3 84.15 22.6 172.81 56.05 58.9
Loans/Deposits(x) 9.21 10.2 3.56 3.24 2.04 1.88 1.93 1.74 2.23 2.32 5.19
Cash/Deposits(x) 0.05 0.06 0.05 0.25 0.12 0.07 0.1 0.1 0.11 0.08 0.06
Current Ratio(x) 0.36 0.35 0.33 0 0.35 0.42 0.45 0.45 0.41 0.38 0.37
Quick Ratio(x) 9.21 10.2 3.56 3.24 2.04 1.88 1.93 1.74 2.23 2.32 5.19
CASA % 33.29 33.99 35.41 39.12 42.39 46.13 46.34 49.22 50.56 50.38 49.97

CentralBank of India Shareholding Pattern

# Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Promoter 93.08 93.08 93.08 93.08 93.08 93.08 93.08 93.08 93.08 89.27
FII 0.19 0.2 0.14 0.16 0.07 0.17 0.16 0.34 0.44 1.23
DII 2.89 2.87 2.84 2.85 2.8 2.8 2.81 2.82 2.83 5.83
Public 3.84 3.85 3.94 3.91 4.05 3.95 3.94 3.76 3.65 3.66
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend.
  • Company has a low return on equity of 7% over the last 3 years.

* 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.

CentralBank of India News

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