Market Cap ₹7486 Cr.
Stock P/E 12.6
P/B 1.7
Current Price ₹431.5
Book Value ₹ 260.9
Face Value 10
52W High ₹445
Dividend Yield 0%
52W Low ₹ 266.1
CSB Bank Ltd presents numerous banking products and services for small and medium organisations, retail, and NRI clients in India. It operates through 4 segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The agency accepts various deposits merchandise that comprises savings Ac, NR Ac, fixed deposits, recurring deposits, corporate salary, and current Ac, as well as products for NRI customers; personal and enterprise loans, including loans in opposition to gold jewellery, two wheeler and motor car loans, housing loans, mortgage in opposition to assets and overdrafts on mortgage/hypothecation/pledge, small commercial enterprise loans, and agricultural loans; and microfinance. It additionally gives demat services; banking offerings to monetary establishments, together with non-banking monetary agencies, banks, insurance businesses, mutual funds, agents, and many others.; cash control and exchange finance services; digital banking services; statutory reserves and asset liability control, liquidity management, funding and securities buying and selling, and money market and foreign exchange services; sovereign debt gadgets funding services; commercial papers, mutual funds, certificates of deposits, bonds, and debentures; remittance services; life and non-life insurances; and payment services, in addition to debit cards. In addition, it provides agri-banking services; and corporate lending services. As of March 31, 2021, the agency operated 518 branches, which have 3 service branches, three- asset recovery branches, and 318 ATMs. The company was previously known as The Catholic Syrian Bank Ltd and changed its name to CSB Bank Ltd in June 2019. CSB Bank Ltd changed was established in 1920 in Thrissur, India.
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| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 683 | 687 | 762 | 795 | 832 | 865 | 919 | 981 | 1041 | 1109 |
| Other Income | 120 | 143 | 125 | 197 | 172 | 199 | 219 | 381 | 245 | 349 |
| Total Income | 803 | 830 | 887 | 991 | 1004 | 1064 | 1139 | 1362 | 1286 | 1458 |
| Interest Expense | 319 | 344 | 379 | 409 | 470 | 497 | 544 | 610 | 662 | 686 |
| Operating Expenditure | 302 | 312 | 312 | 355 | 361 | 367 | 374 | 436 | 404 | 493 |
| Provisions and contingencies | 5 | -3 | -5 | 22 | 20 | 14 | 17 | 60 | 61 | 64 |
| Operating Profit | 177 | 178 | 200 | 206 | 152 | 186 | 204 | 257 | 160 | 216 |
| Profit Before Tax | 177 | 178 | 200 | 206 | 152 | 186 | 204 | 257 | 160 | 216 |
| Provision for Tax | 44 | 45 | 50 | 55 | 39 | 48 | 52 | 66 | 41 | 55 |
| Profit After Tax | 132 | 133 | 150 | 151 | 113 | 138 | 152 | 190 | 119 | 160 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 132 | 133 | 150 | 151 | 113 | 138 | 152 | 190 | 119 | 160 |
| Adjusted Earnings Per Share | 7.6 | 7.7 | 8.6 | 8.7 | 6.5 | 8 | 8.7 | 11 | 6.8 | 9.2 |
| #(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 | 1545 | 1483 | 1336 | 1297 | 1348 | 1510 | 1872 | 2038 | 2320 | 2928 | 3597 | 4050 |
| Other Income | 127 | 105 | 281 | 125 | 136 | 222 | 303 | 247 | 316 | 584 | 972 | 1194 |
| Total Income | 1672 | 1588 | 1617 | 1422 | 1483 | 1731 | 2175 | 2285 | 2636 | 3512 | 4569 | 5245 |
| Interest Expense | 1189 | 1159 | 1023 | 912 | 908 | 918 | 931 | 885 | 986 | 1451 | 2121 | 2502 |
| Operating Expenditure | 433 | 432 | 443 | 436 | 563 | 533 | 729 | 786 | 942 | 1281 | 1538 | 1707 |
| Provisions and contingencies | 132 | 225 | 161 | 224 | 313 | 147 | 223 | -1 | -26 | 18 | 111 | 202 |
| Operating Profit | -82 | -228 | -9 | -149 | -300 | 134 | 293 | 614 | 734 | 761 | 800 | 837 |
| Profit Before Tax | -82 | -228 | -9 | -149 | -300 | 134 | 293 | 614 | 734 | 761 | 800 | 837 |
| Provision for Tax | -29 | -79 | -10 | -52 | -103 | 121 | 74 | 156 | 186 | 195 | 206 | 214 |
| Profit After Tax | -53 | -150 | 2 | -97 | -197 | 13 | 218 | 458 | 547 | 567 | 594 | 621 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -53 | -150 | 2 | -97 | -197 | 13 | 218 | 458 | 547 | 567 | 594 | 621 |
| Adjusted Earnings Per Share | -8.8 | -20.9 | 0.2 | 0 | 0 | 0.7 | 12.6 | 26.4 | 31.6 | 32.7 | 34.2 | 35.7 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 23% | 21% | 19% | 9% |
| Operating Profit CAGR | 5% | 9% | 43% | 0% |
| PAT CAGR | 5% | 9% | 115% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 39% | 24% | 10% | NA% |
| ROE Average | 15% | 17% | 17% | 1% |
| ROCE Average | 13% | 17% | 16% | 2% |
| #(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 | 888 | 893 | 999 | 889 | 1432 | 1961 | 2180 | 2651 | 3204 | 3804 | 4498 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 14474 | 14438 | 14912 | 14691 | 15124 | 15791 | 19140 | 20188 | 24506 | 29719 | 36861 |
| Borrowings | 45 | 42 | 42 | 42 | 0 | 794 | 1426 | 2007 | 783 | 1757 | 5546 |
| Other Liabilities & Provisions | 354 | 279 | 271 | 249 | 356 | 319 | 591 | 509 | 670 | 776 | 931 |
| Total Liabilities | 15762 | 15652 | 16223 | 15870 | 16911 | 18864 | 23337 | 25356 | 29162 | 36056 | 47836 |
| Cash and balance with RBI | 688 | 676 | 756 | 678 | 725 | 548 | 736 | 1473 | 1470 | 3090 | 3187 |
| Bank Balance | 110 | 50 | 455 | 537 | 248 | 392 | 978 | 101 | 367 | 65 | 405 |
| Investments | 5053 | 5987 | 5762 | 4114 | 4028 | 5360 | 6126 | 7012 | 5849 | 7551 | 11389 |
| Advances | 9472 | 7853 | 8119 | 9337 | 10615 | 11366 | 14438 | 15815 | 20651 | 24336 | 31507 |
| Fixed Assets | 175 | 215 | 215 | 216 | 218 | 253 | 269 | 288 | 319 | 406 | 450 |
| Other Assets | 263 | 871 | 916 | 987 | 1077 | 945 | 790 | 668 | 507 | 608 | 719 |
| Total Assets | 15762 | 15652 | 16223 | 15870 | 16911 | 18864 | 23337 | 25356 | 29162 | 36056 | 47836 |
| #(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 | 1074 | 799 | 726 | 1211 | 1215 | 974 | 939 | 1714 | 1574 | 1837 | 3155 |
| Cash Flow from Operating Activities | -356 | -166 | 395 | 27 | -893 | -1109 | 1374 | -852 | 2211 | 1783 | -5256 |
| Cash Flow from Investing Activities | -16 | -13 | -17 | -18 | -22 | -235 | -1231 | 131 | -724 | -1439 | 1904 |
| Cash Flow from Financing Activities | 97 | 106 | 106 | -5 | 674 | 1310 | 632 | 581 | -1224 | 974 | 3789 |
| Net Cash Inflow / Outflow | -276 | -72 | 485 | 4 | -242 | -34 | 775 | -140 | 263 | 1318 | 437 |
| Closing Cash & Cash Equivalent | 799 | 726 | 1211 | 1215 | 974 | 939 | 1714 | 1574 | 1837 | 3155 | 3592 |
| # | 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) | -8.81 | -20.88 | 0.19 | -12.04 | -22.98 | 0.73 | 12.59 | 26.43 | 31.55 | 32.67 | 34.23 |
| CEPS(Rs) | -7 | -18.97 | 2.04 | -10.12 | -21.05 | 2.09 | 14.94 | 28.62 | 34.04 | 35.87 | 38.63 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 126.7 | 101.38 | 103.18 | 90.11 | 72.45 | 103.93 | 116.72 | 143.22 | 174.84 | 208.11 | 247.86 |
| Yield on Advances | 16.31 | 18.88 | 16.46 | 13.89 | 12.69 | 13.28 | 12.97 | 12.89 | 11.23 | 12.03 | 11.42 |
| Yield on Investments | 8.06 | 6.68 | 10.56 | 8.24 | 8.82 | 6.34 | 9.54 | 5.86 | 7.2 | 6.15 | 6.34 |
| Cost of Liabilities | 8.19 | 8.01 | 6.84 | 6.19 | 6 | 5.53 | 4.53 | 3.99 | 3.9 | 4.61 | 5 |
| NIM (Net Interest Margin) | 2.32 | 2.22 | 2.08 | 2.62 | 2.82 | 3.35 | 4.23 | 4.73 | 4.71 | 4.21 | 3.18 |
| Interest Spread | 8.12 | 10.88 | 9.62 | 7.7 | 6.69 | 7.75 | 8.44 | 8.9 | 7.33 | 7.42 | 6.42 |
| ROA(%) | -0.34 | -0.95 | 0.01 | -0.61 | -1.2 | 0.07 | 1.04 | 1.88 | 2.01 | 1.74 | 1.42 |
| ROE(%) | -7.55 | -20.08 | 0.2 | -12.46 | -29.2 | 1.05 | 11.41 | 20.33 | 19.84 | 17.06 | 15.01 |
| ROCE(%) | -3.86 | -21.91 | 0.98 | -13.65 | -21.53 | 7.33 | 11.36 | 16.65 | 18.56 | 18.08 | 13.25 |
| PER(x) | 0 | 0 | 0 | 0 | 0 | 161.53 | 18.48 | 8.01 | 7.79 | 10.84 | 8.83 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 1.14 | 1.99 | 1.48 | 1.41 | 1.7 | 1.22 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 0.07 | 0.08 | 0.09 | 0.09 | 0.06 | 1.89 | 2.92 | 2.79 | 2.18 | 2.7 | 3 |
| EV/Core EBITDA(x) | 2.11 | -30.3 | 0.81 | 1.65 | 6.43 | 10.16 | 10.6 | 9.25 | 7.14 | 10.13 | 11.85 |
| Interest Earned Growth(%) | 2.7 | -3.99 | -9.89 | -2.96 | 3.91 | 12.05 | 24 | 8.87 | 13.8 | 26.21 | 22.87 |
| Net Profit Growth | -297.79 | -181.62 | 101.04 | -6370.14 | -102.55 | 106.45 | 1616.35 | 109.93 | 19.38 | 3.56 | 4.76 |
| Advances Growth | 8.78 | -17.1 | 3.39 | 15.01 | 13.69 | 7.08 | 27.03 | 9.53 | 30.58 | 17.84 | 29.47 |
| EPS Growth(%) | -237.18 | -136.97 | 100.92 | -6370.14 | -90.86 | 103.19 | 1616.05 | 109.93 | 19.38 | 3.56 | 4.76 |
| Loans/Deposits(x) | 0.31 | 0.29 | 0.28 | 0.28 | 0 | 5.03 | 7.45 | 9.94 | 3.2 | 5.91 | 15.05 |
| Cash/Deposits(x) | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.03 | 0.04 | 0.07 | 0.06 | 0.1 | 0.09 |
| Current Ratio(x) | 0.35 | 0.41 | 0.39 | 0.28 | 0.27 | 0.34 | 0.32 | 0.35 | 0.24 | 0.25 | 0.31 |
| Quick Ratio(x) | 0.31 | 0.29 | 0.28 | 0.28 | 0 | 5.03 | 7.45 | 9.94 | 3.2 | 5.91 | 15.05 |
| CASA % | 18 | 20.03 | 24.78 | 27.03 | 27.84 | 29.17 | 32.19 | 33.66 | 32.18 | 27.2 | 24.19 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 49.72 | 49.72 | 49.72 | 49.72 | 40 | 40 | 40 | 40 | 40 | 40 |
| FII | 5.9 | 4.65 | 4.62 | 4.92 | 12.43 | 12.7 | 12.8 | 13.07 | 15.37 | 14.23 |
| DII | 12.19 | 14.34 | 16.06 | 15.95 | 18.71 | 17.59 | 17 | 16.83 | 14.57 | 16.05 |
| Public | 32.19 | 31.28 | 29.59 | 29.4 | 28.86 | 29.71 | 30.2 | 30.1 | 30.06 | 29.73 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 8.63 | 8.63 | 8.63 | 8.63 | 6.94 | 6.94 | 6.94 | 6.94 | 6.94 | 6.94 |
| FII | 1.02 | 0.81 | 0.8 | 0.85 | 2.16 | 2.2 | 2.22 | 2.27 | 2.67 | 2.47 |
| DII | 2.11 | 2.49 | 2.79 | 2.77 | 3.25 | 3.05 | 2.95 | 2.92 | 2.53 | 2.78 |
| Public | 5.58 | 5.43 | 5.13 | 5.1 | 5.01 | 5.15 | 5.24 | 5.22 | 5.22 | 5.16 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 17.35 | 17.35 | 17.35 | 17.35 | 17.35 | 17.35 | 17.35 | 17.35 | 17.35 | 17.35 |
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