Central Bank of India
Central Bank of India
BanksKey Fundamentals
SmallcapPublic Sector BankBanksPrice-based figures as of 12 Oct 2026, 15:17 IST · EPS basis: Consolidated · TTM
Tapetide Score
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Key Insights
Strengths
3- Stock is trading at 0.67 times its book value
- Stock is providing a good dividend yield of 3.96%.
- Company has delivered good profit growth of 45.9% CAGR over last 5 years
Weaknesses
5- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 9.64% over past five years.
- Company has a low return on equity of 10.8% over last 3 years.
- Contingent liabilities of Rs.2,20,772 Cr.
- Company might be capitalizing the interest cost
Growth Rate
change over 1 year
change over 1 year
change over 1 year
change over 1 year
AI Analysis — Bull vs Bear
As of the 2026-10-09 close, Central Bank of India (CENTRALBK) trades at ₹30.1, with a market cap of ₹27,244.72 Cr, a P/E of 5.97 on TTM EPS of ₹5.04, a P/B of 0.73 and a dividend yield of 4%. Profit has grown at a 46% CAGR over 5 years and 39% over 3 years, but TTM profit growth has slowed to 8%. ROE stands at 11.59% against a 10-year average of -1%. The stock is 26.4% below its 52-week high of ₹40.92 and 2.7% above its 52-week low of ₹29.32.
- Price-to-book of 0.73 means the stock trades at about a 27% discount to book value, which implies book value per share of roughly ₹41 against a price of ₹30.1.
- A TTM P/E of 5.97 on EPS of ₹5.04 gives an earnings yield of about 16.7%, which is a low multiple in absolute terms.
- Profit has compounded at 46% over 5 years and 39% over 3 years, showing a large earnings recovery from a low base.
- The 4% dividend yield on a ₹30.1 share price provides a cash return to shareholders at current valuations.
- ROE has improved to 11.59% (12% last year) from a 5-year average of 9% and a 10-year average of -1%, a move from loss-making years to double-digit returns.
- Sales growth has picked up, with a 3-year CAGR of 12% and a 5-year CAGR of 10%, compared with a 10-year CAGR of only 3%.
- At ₹30.1, the stock sits 2.7% above its 52-week low of ₹29.32 and 26.4% below its 52-week high of ₹40.92, so much of the past year's derating is already in the price.
- Profit growth has slowed sharply: TTM profit growth is 8%, against 39% over 3 years and 46% over 5 years. This suggests the high-growth recovery phase may be ending.
- Shareholder returns have been poor over most periods: stock CAGR is -20% over 1 year, -15% over 3 years and -11% over 10 years. Only the 5-year figure is positive, at 6%.
- An ROE of 11.59% and a 3-year average of about 11% are modest for a bank. The 10-year ROE of -1% points to a long history of weak or negative returns.
- Sales grew only 9% on a TTM basis and at a 3% CAGR over 10 years, which shows limited long-term growth in the balance sheet.
- Contingent liabilities of ₹2,20,772 Cr are about 8.1x the ₹27,244.72 Cr market cap. Large off-balance-sheet exposures such as guarantees and derivatives are common for banks, but the scale relative to equity is notable.
- The stock has fallen 26.4% from its 52-week high of ₹40.92 to ₹30.1. The persistent discount to book (P/B 0.73) may reflect market doubts about the quality or sustainability of earnings.
- ROCE of 5.18% is low, which reflects the thin spread a bank earns on its total capital base.
- Screening flags for low interest coverage and possible interest capitalisation are noted. These metrics are less meaningful for banks, whose business model is interest-based, so they carry limited weight here.
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
- CASA ratio keeps sliding Oct 5
The CASA ratio fell to 44.70% in Q2FY27, down from 46.61% in Q1FY27. Losing low-cost deposits could push up funding costs and squeeze net interest margins.
- Deposits lagging loan growth Oct 5
Advances grew 29.83% YoY, much faster than total business at 20.55%, so deposit growth is clearly slower than credit growth. If this gap continues, the bank may need costlier bulk deposits or bond funding.
- Strike risk deferred, not cancelled Sep 28
The United Forum of Bank Unions strike planned for Sep 28-30 and Oct 26, 2026 has been put off, and branches are running normally. The underlying union demands appear unresolved, so the risk of disruption remains.
- Q2 business up 20.55% Oct 5
Total business grew 20.55% YoY to ₹8,89,621 crore in Q2FY27, led by a 29.83% jump in advances. Credit growth sped up from 28.58% in Q1FY27, well ahead of industry levels.
- Q1FY27 profit rises 13.26% Sep 30
Net profit rose 13.26% YoY to ₹1,324 crore in Q1FY27, while advances grew 28.58%. Earnings are growing steadily on the back of strong loan growth.
- ED Dohare gets 3-year extension Sep 23
The Department of Financial Services extended Executive Director Mahendra Dohare's term by three years beyond its October 8, 2026 expiry. This keeps senior management stable.
- ₹1,500 crore bond disclosure Oct 7
The bank filed its statement of outstanding debt securities for the half year ended September 30, 2026, showing a ₹1,500 crore bond issuance. This is a routine compliance filing.
- Bharat Connect conference participation Sep 30
Management attended the Bharat Connect Conference: Rising Stars on September 30, 2026 (1:00-2:00 pm IST). The bank confirmed it shared no unpublished price-sensitive information.
- Mumbai analyst meet held Sep 22
The bank scheduled an in-person group analyst and investor meet in Mumbai for September 28, 2026 at 4:00 pm IST. This continues its active investor outreach.
TL;DR: Central Bank of India is growing fast, with advances up nearly 30% YoY and total business at ₹8.9 lakh crore. Q1FY27 profit grew a steady 13.26% to ₹1,324 crore. The main risk is on the liability side: the CASA ratio fell nearly 2 percentage points in one quarter to 44.70%, and deposits are lagging loan growth, which could pressure margins. Growth momentum is improving, but investors should watch whether Q2FY27 margins and asset quality hold up as the bank leans on costlier funding.
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7,259 | 7,377 | 7,842 | 8,371 | 8,367 | 8,235 | 8,542 | 8,653 | 8,623 | 8,777 | 9,070 | 9,698 | 9,726 |
| Expenses | 3,118 | 3,534 | 3,377 | 3,561 | 3,920 | 3,500 | 3,373 | 3,968 | 3,381 | 3,328 | 3,853 | 3,573 | 3,129 |
| Financing Profit | 79 | -495 | -207 | -1 | -354 | -71 | 185 | -553 | 21 | -28 | -335 | 448 | 803 |
| Fin. Margin % | 1% | -7% | -3% | 0% | -4% | -1% | 2% | -6% | 0% | 0% | -4% | 5% | 8% |
| Other Income | 959 | 1,062 | 1,329 | 1,363 | 1,166 | 1,649 | 1,232 | 1,723 | 1,857 | 1,507 | 1,927 | 1,161 | 988 |
| Interest | 4,062 | 4,338 | 4,672 | 4,811 | 4,801 | 4,807 | 4,984 | 5,238 | 5,222 | 5,476 | 5,552 | 5,677 | 5,794 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 1,038 | 567 | 1,122 | 1,363 | 812 | 1,578 | 1,418 | 1,171 | 1,878 | 1,479 | 1,592 | 1,609 | 1,791 |
| Tax % | 59% | -7% | 35% | 40% | -9% | 42% | 32% | 11% | 33% | 18% | 21% | 54% | 26% |
| Net Profit | 498 | 623 | 738 | 817 | 945 | 926 | 966 | 1,106 | 1,284 | 1,234 | 1,265 | 748 | 1,325 |
| EPS (₹) | 0.57 | 0.72 | 0.85 | 0.94 | 1.09 | 1.06 | 1.11 | 1.22 | 1.42 | 1.36 | 1.4 | 0.82 | 1.46 |
| Gross NPA % | 4.95% | 4.61% | 4.5% | 4.5% | 4.54% | 4.59% | 3.87% | 3.18% | 3.14% | 3.02% | 2.71% | 2.67% | 2.61% |
| Net NPA % | 1.75% | 1.64% | 1.28% | 1.24% | 0.75% | 0.7% | 0.61% | 0.56% | 0.5% | 0.49% | 0.46% | 0.5% | 0.51% |
Profit & Loss
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 26,476 | 25,988 | 24,775 | 24,163 | 22,749 | 23,676 | 22,830 | 22,903 | 25,657 | 30,849 | 33,797 | 36,168 | 37,270 |
| Expenses | 8,620 | 11,529 | 12,744 | 14,015 | 14,580 | 12,135 | 12,419 | 10,477 | 12,778 | 13,099 | 14,102 | 13,578 | 13,884 |
| Financing Profit | -1,344 | -4,430 | -6,136 | -7,455 | -7,766 | -4,464 | -4,133 | -934 | -1,026 | -133 | -134 | 664 | 888 |
| Fin. Margin % | -5% | -17% | -25% | -31% | -34% | -19% | -18% | -4% | -4% | 0% | 0% | 2% | 2% |
| Other Income | 1,900 | 2,019 | 2,871 | 2,620 | 2,416 | 3,622 | 2,994 | 2,986 | 4,164 | 4,814 | 5,784 | 6,463 | 5,584 |
| Interest | 19,200 | 18,889 | 18,166 | 17,603 | 15,935 | 16,005 | 14,543 | 13,361 | 13,905 | 17,882 | 19,830 | 21,926 | 22,498 |
| Depreciation | 230 | 240 | 258 | 260 | 278 | 285 | 293 | 297 | 386 | 500 | 558 | 530 | 0 |
| PBT | 327 | -2,651 | -3,523 | -5,096 | -5,628 | -1,127 | -1,431 | 1,755 | 2,752 | 4,181 | 5,092 | 6,597 | 6,472 |
| Tax % | -89% | -47% | -31% | 0% | 0% | 0% | -30% | 38% | 39% | 36% | 23% | 31% | — |
| Net Profit | 670 | -1,392 | -2,457 | -5,134 | -5,611 | -1,252 | -995 | 1,083 | 1,688 | 2,677 | 3,943 | 4,531 | 4,571 |
| EPS (₹) | 4.02 | -8.26 | -12.93 | -19.63 | -13.88 | -2.2 | -1.7 | 1.24 | 1.93 | 3.07 | 4.35 | 5 | 5.04 |
| Div. Payout % | 12% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 4% | 36% | — |
Balance Sheet
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1,658 | 1,690 | 1,902 | 2,618 | 4,047 | 5,710 | 5,876 | 8,681 | 8,681 | 8,681 | 9,051 | 9,051 |
| Reserves | 16,077 | 16,818 | 16,309 | 15,592 | 15,349 | 15,827 | 20,621 | 18,868 | 20,536 | 23,693 | 27,830 | 29,950 |
| Borrowing | 19,777 | 9,503 | 9,623 | 6,026 | 5,640 | 6,076 | 5,760 | 7,663 | 8,334 | 20,013 | 21,820 | 31,854 |
| Deposits | 2,62,263 | 2,66,686 | 2,97,309 | 2,95,354 | 3,00,311 | 3,14,201 | 3,30,328 | 3,43,165 | 3,59,775 | 3,85,541 | 4,13,271 | 4,68,444 |
| Other Liabilities | 12,991 | 11,924 | 9,551 | 7,759 | 6,538 | 15,337 | 7,390 | 8,915 | 9,754 | 9,844 | 8,485 | 11,780 |
| Total Liabilities | 3,12,766 | 3,06,621 | 3,34,695 | 3,27,349 | 3,31,885 | 3,57,151 | 3,69,974 | 3,87,292 | 4,07,080 | 4,47,772 | 4,80,457 | 5,51,079 |
| Fixed Assets | 2,843 | 4,369 | 4,300 | 4,353 | 4,320 | 4,346 | 5,142 | 4,964 | 4,786 | 5,345 | 5,214 | 5,202 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 89,921 | 89,087 | 92,277 | 1,02,769 | 1,25,453 | 1,42,526 | 1,48,518 | 1,40,775 | 1,36,569 | 1,44,010 | 1,41,652 | 1,57,607 |
| Other Assets | 2,20,001 | 2,13,165 | 2,38,118 | 2,20,227 | 2,02,112 | 2,10,279 | 2,16,315 | 2,41,553 | 2,65,725 | 2,98,416 | 3,33,591 | 3,88,270 |
| Total Assets | 3,12,766 | 3,06,621 | 3,34,695 | 3,27,349 | 3,31,885 | 3,57,151 | 3,69,974 | 3,87,292 | 4,07,080 | 4,47,772 | 4,80,457 | 5,51,079 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 2,274 | 281 | 61,871 | -44,376 | -14,510 | 1,726 | -2,003 | 14,277 | -8,786 | -5,910 | -2,460 | 2,804 |
| Investing | -332 | -149 | -189 | -310 | -251 | -315 | -202 | -133 | -209 | -584 | -451 | -454 |
| Financing | 510 | 599 | 1,543 | 5,154 | 6,796 | 3,396 | 5,055 | 0 | 0 | 0 | 1,500 | -713 |
| Net Cash Flow | 2,452 | 732 | 63,225 | -39,533 | -7,965 | 4,807 | 2,849 | 14,143 | -8,995 | -6,494 | -1,410 | 1,637 |
| Free Cash Flow | 1,989 | 132 | 61,682 | -44,687 | -14,761 | 1,411 | -2,206 | 14,143 | -8,995 | -6,494 | -2,910 | 2,350 |
| CFO/OP | 18 | 9 | 514 | -434 | -180 | 16 | -19 | 115 | -68 | -32 | -17 | 14 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 4% | -8% | -13% | -28% | -30% | -6% | -4% | 4% | 6% | 9% | 11% | 12% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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94 extracted metrics + investor summaries across FY12–FY27.
Documents
Frequently Asked Questions about Central Bank of India
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What is the 52-week high and low of Central Bank of India?
Does Central Bank of India pay dividends?
What is the Return on Equity (ROE) of Central Bank of India?
Company Information
Central Bank of India is a commercial bank. The Bank's segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and other Banking business. The Treasury Operations segment includes dealing in government and other securities, money market operations and Forex operations.[1]
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