WEBSITE BSE:532885 NSE: CENTRAL BK Inc. Year: 1911 Industry: Bank - Public My Bucket: Add Stock
Last updated: 15:59
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) cha...Read More
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. ...Read Less
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Market Cap ₹32639 Cr.
Stock P/E 8.5
P/B 0.9
Current Price ₹36.1
Book Value ₹ 39.3
Face Value 10
52W High ₹41.2
Dividend Yield 0.52%
52W Low ₹ 31.3
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 7377 | 7842 | 8371 | 8367 | 8235 | 8542 | 8653 | 8623 | 8777 | 9070 |
| Other Income | 1062 | 1329 | 1363 | 1166 | 1649 | 1232 | 1823 | 1787 | 1507 | 1937 |
| Total Income | 8439 | 9171 | 9734 | 9533 | 9884 | 9774 | 10476 | 10410 | 10284 | 11007 |
| Interest Expense | 4338 | 4672 | 4811 | 4801 | 4807 | 4984 | 5238 | 5222 | 5476 | 5552 |
| Operating Expenditure | 2565 | 2557 | 2851 | 2726 | 2902 | 2814 | 3221 | 2873 | 3012 | 3158 |
| Provisions and contingencies | 968 | 821 | 710 | 1193 | 598 | 559 | 846 | 522 | 316 | 705 |
| Operating Profit | 567 | 1122 | 1363 | 812 | 1578 | 1418 | 1171 | 1793 | 1479 | 1592 |
| Profit Before Tax | 567 | 1122 | 1363 | 812 | 1578 | 1418 | 1171 | 1878 | 1479 | 1592 |
| Provision for Tax | -41 | 395 | 551 | -75 | 657 | 450 | 129 | 617 | 260 | 327 |
| Profit After Tax | 609 | 728 | 812 | 887 | 921 | 968 | 1042 | 1260 | 1220 | 1265 |
| Adjustments | 13 | 7 | 4 | 55 | 3 | -5 | 63 | 22 | 12 | -1 |
| Profit After Adjustments | 622 | 734 | 816 | 942 | 924 | 963 | 1105 | 1282 | 1232 | 1264 |
| Adjusted Earnings Per Share | 0.7 | 0.8 | 0.9 | 1.1 | 1.1 | 1.1 | 1.2 | 1.4 | 1.4 | 1.4 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 26476 | 25988 | 24775 | 24163 | 22749 | 23676 | 22830 | 22903 | 25657 | 30849 | 33797 | 35123 |
| Other Income | 1900 | 1944 | 2871 | 2620 | 2416 | 3622 | 3111 | 2967 | 4084 | 4713 | 5871 | 7054 |
| Total Income | 28376 | 27932 | 27646 | 26784 | 25165 | 27298 | 25940 | 25871 | 29742 | 35562 | 39668 | 42177 |
| Interest Expense | 19200 | 18889 | 18166 | 17603 | 15935 | 16005 | 14543 | 13361 | 13905 | 17882 | 19830 | 21488 |
| Operating Expenditure | 5597 | 6378 | 6378 | 6426 | 6080 | 6939 | 6799 | 7277 | 8910 | 10275 | 11663 | 12264 |
| Provisions and contingencies | 2678 | 5322 | 6633 | 10641 | 11307 | 5270 | 5913 | 3496 | 4254 | 4829 | 4357 | 2389 |
| Operating Profit | 902 | -2657 | -3532 | -7887 | -8156 | -915 | -1315 | 1737 | 2672 | 2576 | 3818 | 6035 |
| Profit Before Tax | 902 | -2657 | -3532 | -7887 | -8156 | -915 | -1315 | 1737 | 2672 | 2576 | 3818 | 6120 |
| Provision for Tax | 284 | -1251 | -1090 | -2791 | -2529 | 212 | -436 | 672 | 1063 | 0 | 0 | 1333 |
| Profit After Tax | 618 | -1406 | -2442 | -5096 | -5628 | -1127 | -878 | 1065 | 1609 | 2576 | 3818 | 4787 |
| Adjustments | 48 | 10 | -17 | -44 | 11 | -128 | -122 | 11 | 69 | 92 | 116 | 96 |
| Profit After Adjustments | 666 | -1396 | -2459 | -5140 | -5617 | -1256 | -1000 | 1076 | 1679 | 2668 | 3934 | 4883 |
| Adjusted Earnings Per Share | 4 | -8.3 | -12.9 | -19.6 | -13.9 | -2.2 | -1.7 | 1.2 | 1.9 | 3.1 | 4.3 | 5.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 10% | 14% | 7% | 2% |
| Operating Profit CAGR | 48% | 30% | 0% | 16% |
| PAT CAGR | 48% | 53% | 0% | 20% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -0% | 10% | 17% | -7% |
| ROE Average | 12% | 10% | 6% | -6% |
| ROCE Average | 9% | 9% | 6% | -5% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 17735 | 18508 | 0 | 18210 | 19396 | 21537 | 26497 | 27549 | 29217 | 32374 | 36881 |
| Minority's Interest | 33 | 35 | 35 | 40 | 43 | 45 | 51 | 58 | 67 | 76 | 85 |
| Deposits | 255942 | 266686 | 297309 | 295354 | 300311 | 314201 | 330328 | 343165 | 359775 | 385541 | 413271 |
| Borrowings | 26099 | 9503 | 9623 | 6026 | 5640 | 6076 | 5760 | 7663 | 8334 | 20013 | 21820 |
| Other Liabilities & Provisions | 12958 | 11889 | 9516 | 7719 | 6494 | 15292 | 7339 | 8857 | 9687 | 9767 | 8400 |
| Total Liabilities | 312766 | 306621 | 0 | 327349 | 331885 | 357151 | 369974 | 387292 | 407080 | 447772 | 480457 |
| Cash and balance with RBI | 14116 | 14070 | 75087 | 36000 | 20779 | 30060 | 32188 | 38034 | 27433 | 22955 | 22931 |
| Bank Balance | 722 | 1499 | 3708 | 3262 | 10518 | 6045 | 6766 | 15063 | 16669 | 14653 | 13266 |
| Investments | 89921 | 89087 | 0 | 102769 | 125453 | 142526 | 148518 | 140775 | 136569 | 144010 | 141652 |
| Advances | 189068 | 180895 | 140464 | 157480 | 147425 | 151952 | 157389 | 169042 | 203893 | 244399 | 283505 |
| Fixed Assets | 2843 | 4369 | 4300 | 4353 | 4320 | 4346 | 5142 | 4964 | 4786 | 5345 | 5214 |
| Other Assets | 16096 | 16701 | 18859 | 23485 | 23389 | 22222 | 19972 | 19415 | 17730 | 16409 | 13888 |
| Total Assets | 312766 | 306621 | 0 | 327349 | 331885 | 357151 | 369974 | 387292 | 407080 | 447772 | 480457 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 12386 | 14838 | 15570 | 78795 | 39262 | 31298 | 36105 | 38954 | 53097 | 44102 | 37608 |
| Cash Flow from Operating Activities | 2274 | 281 | 61871 | -44376 | -14510 | 1726 | -2003 | 14277 | -8786 | -5910 | -2460 |
| Cash Flow from Investing Activities | -332 | -149 | -189 | -310 | -251 | -315 | -202 | -133 | -209 | -584 | -451 |
| Cash Flow from Financing Activities | 510 | 599 | 1543 | 5154 | 6796 | 3396 | 5055 | 0 | 0 | 0 | 1500 |
| Net Cash Inflow / Outflow | 2452 | 732 | 63225 | -39533 | -7965 | 4807 | 2849 | 14143 | -8995 | -6494 | -1410 |
| Closing Cash & Cash Equivalent | 14838 | 15570 | 78795 | 39262 | 31298 | 36105 | 38954 | 53097 | 44102 | 37608 | 36197 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 4.02 | -8.26 | -12.93 | -19.63 | -13.88 | -2.2 | -1.7 | 1.24 | 1.93 | 3.07 | 4.35 |
| CEPS(Rs) | 5.11 | -6.9 | -11.48 | -18.47 | -13.22 | -1.47 | -1 | 1.57 | 2.3 | 3.54 | 4.83 |
| DPS(Rs) | 0.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.19 |
| Book NAV/Share(Rs) | 96.01 | 86.88 | 75.3 | 57.6 | 39.8 | 32.53 | 30.47 | 27.46 | 29.45 | 32.59 | 36.41 |
| Yield on Advances | 14 | 14.37 | 17.64 | 15.34 | 15.43 | 15.58 | 14.51 | 13.55 | 12.58 | 12.62 | 11.92 |
| Yield on Investments | 8.15 | 7.93 | 0 | 7.51 | 6.92 | 7.82 | 7.64 | 6.93 | 6.58 | 7.05 | 7.87 |
| Cost of Liabilities | 6.81 | 6.84 | 5.92 | 5.84 | 5.21 | 5 | 4.33 | 3.81 | 3.78 | 4.41 | 4.56 |
| NIM (Net Interest Margin) | 2.48 | 2.49 | 3.01 | 2.19 | 2.24 | 2.32 | 2.4 | 2.63 | 3.06 | 3.04 | 3.03 |
| Interest Spread | 7.2 | 7.53 | 11.72 | 9.5 | 10.22 | 10.58 | 10.18 | 9.74 | 8.81 | 8.21 | 7.36 |
| ROA(%) | 0.21 | -0.45 | -1.59 | -3.11 | -1.71 | -0.33 | -0.24 | 0.28 | 0.41 | 0.6 | 0.82 |
| ROE(%) | 4.34 | -9.19 | -16.84 | -34.66 | -36.09 | -6.5 | -4.82 | 5.1 | 6.52 | 9.57 | 12.47 |
| ROCE(%) | 6.23 | -3.95 | -14.31 | -38.42 | -30.43 | -1.18 | -2.55 | 6.58 | 8.66 | 7.8 | 9.21 |
| PER(x) | 26.51 | 0 | 0 | 0 | 0 | 0 | 0 | 14.81 | 12.49 | 19.45 | 9.82 |
| Price/Book(x) | 1.11 | 0.85 | 1.41 | 1.28 | 0.92 | 0.38 | 0.54 | 0.67 | 0.82 | 1.83 | 1.17 |
| Dividend Yield(%) | 0.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.44 |
| EV/Net Sales(x) | 1.65 | 0.85 | 1.2 | 1.05 | 0.9 | 0.55 | 0.67 | 1.03 | 1.14 | 2.33 | 1.79 |
| EV/Core EBITDA(x) | 12.22 | 8.26 | 9.6 | 9.17 | 6.48 | 3 | 3.34 | 4.51 | 4.23 | 9.71 | 7.39 |
| Interest Earned Growth(%) | 8.16 | -1.84 | -4.67 | -2.47 | -5.85 | 4.07 | -3.57 | 0.32 | 12.02 | 20.24 | 9.56 |
| Net Profit Growth | 149.4 | -327.43 | -73.66 | -108.67 | -10.44 | 79.97 | 22.07 | 221.17 | 51.18 | 60.07 | 48.21 |
| Advances Growth | 6.36 | -4.32 | -22.35 | 12.11 | -6.38 | 3.07 | 3.58 | 7.4 | 20.62 | 19.87 | 16 |
| EPS Growth(%) | 142.85 | -305.74 | -56.45 | -51.83 | 29.3 | 84.15 | 22.6 | 172.81 | 56.05 | 58.9 | 41.44 |
| Loans/Deposits(x) | 10.2 | 3.56 | 3.24 | 2.04 | 1.88 | 1.93 | 1.74 | 2.23 | 2.32 | 5.19 | 5.28 |
| Cash/Deposits(x) | 0.06 | 0.05 | 0.25 | 0.12 | 0.07 | 0.1 | 0.1 | 0.11 | 0.08 | 0.06 | 0.06 |
| Current Ratio(x) | 0.35 | 0.33 | 0 | 0.35 | 0.42 | 0.45 | 0.45 | 0.41 | 0.38 | 0.37 | 0.34 |
| Quick Ratio(x) | 10.2 | 3.56 | 3.24 | 2.04 | 1.88 | 1.93 | 1.74 | 2.23 | 2.32 | 5.19 | 5.28 |
| CASA % | 33.99 | 35.41 | 39.12 | 42.39 | 46.13 | 46.34 | 49.22 | 50.56 | 50.38 | 49.97 | 48.9 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 93.08 | 93.08 | 93.08 | 93.08 | 93.08 | 89.27 | 89.27 | 89.27 | 89.27 | 89.27 |
| FII | 0.07 | 0.17 | 0.16 | 0.34 | 0.44 | 1.23 | 0.96 | 0.87 | 0.84 | 0.75 |
| DII | 2.8 | 2.8 | 2.81 | 2.82 | 2.83 | 5.83 | 5.07 | 4.87 | 4.82 | 4.81 |
| Public | 4.05 | 3.95 | 3.94 | 3.76 | 3.65 | 3.66 | 4.7 | 4.99 | 5.06 | 5.17 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 808.04 | 808.04 | 808.04 | 808.04 | 808.04 | 808.04 | 808.04 | 808.04 | 808.04 | 808.04 |
| FII | 0.65 | 1.47 | 1.41 | 2.92 | 3.78 | 11.15 | 8.7 | 7.89 | 7.64 | 6.79 |
| DII | 24.26 | 24.32 | 24.41 | 24.47 | 24.57 | 52.81 | 45.85 | 44.06 | 43.67 | 43.54 |
| Public | 35.14 | 34.27 | 34.24 | 32.67 | 31.7 | 33.15 | 42.54 | 45.15 | 45.79 | 46.77 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 868.09 | 868.09 | 868.09 | 868.09 | 868.09 | 905.14 | 905.14 | 905.14 | 905.14 | 905.14 |
* The pros and cons are machine generated.
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