Central Bank of India logo

Central Bank of India

CENTRALBK NSE

Key Fundamentals

SmallcapPublic Sector BankBanks
Market Cap
₹28,467 Cr
Volatility
Moderate
P/E Ratio
6.19
EBITDA
₹7,079 Cr
Return on Equity
11.59%
Debt to Equity
0
Book Value
₹40.98
EPS
₹3.59
52W High
₹40.92
52W Low
₹29.32

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Tapetide Score

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Technical Indicators

Key Insights

Strengths

3
  • Stock is trading at 0.69 times its book value
  • Stock is providing a good dividend yield of 3.84%.
  • 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

Revenue Growth
7.93% ↗
Net Income Growth
14.90% ↘
Cash Flow Change
214.00% ↗
ROE
8.62% ↘
ROCE
-0.19% ↘
EBITDA Margin (Avg.)
5.99% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 4d ago
AI opinion · based on fundamentals
Risk high

Central Bank of India trades at a market cap of ₹28,177 Cr with a P/E of 6.1x and P/B of 0.75x, reflecting deep value metrics for a public sector bank. While profit growth has been strong at 46% CAGR over 5 years, the stock has declined 15% over the past year and carries significant contingent liabilities of ₹2,20,772 Cr.

Bull Case 7
  • Stock trades at 0.68x book value, well below the 1x threshold typically considered fair value for banks
  • P/E ratio of 6.1x is significantly below industry averages for Indian banking stocks, indicating undemanding valuations
  • Compounded profit growth of 46% CAGR over 5 years demonstrates a strong earnings recovery trajectory
  • Dividend yield of 3.88% provides meaningful income return, well above most banking peers
  • ROE has improved from negative territory (10-year average of -1%) to 12% in the last year, showing a turnaround
  • TTM sales growth of 9% and 3-year compounded sales growth of 12% indicate steady top-line expansion
  • 3-year compounded profit growth of 39% confirms sustained earnings momentum beyond a single-year spike
Bear Case 8
  • Contingent liabilities of ₹2,20,772 Cr represent a massive off-balance-sheet risk relative to the ₹28,177 Cr market cap
  • Stock has declined 15% over the past 1 year and shows negative 4% CAGR over 3 years, indicating persistent underperformance
  • Low interest coverage ratio suggests vulnerability to margin compression or asset quality deterioration
  • 5-year sales CAGR of only 9.64% reflects sluggish core business growth for a large PSU bank
  • 10-year stock CAGR of -11% highlights prolonged wealth destruction for long-term shareholders
  • 3-year ROE of only 10.8% remains below the cost of equity for most banking institutions
  • Potential capitalization of interest costs raises questions about the true quality of reported earnings
  • 10-year compounded sales growth of just 3% indicates structural challenges in growing the loan book over longer periods

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 6h ago
Positives 1
  • ₹7,000 crore equity raise approved Aug 1

    Shareholders approved a ₹7,000 crore equity capital raise via special resolution at the 19th AGM on July 31, 2026. Interim dividends and key board appointments were also confirmed.

Neutral 3
  • New GM-Strategy appointed Aug 1

    Partha Sarathi K Naidu promoted to General Manager-Strategy effective August 1, 2026, bringing 34 years of banking experience.

  • Shareholder Director appointed Aug 1

    Retired IPS officer Rajesh Ranjan appointed as Shareholder Director for a three-year term starting August 1, 2026.

  • Analyst meets with brokerages Aug 20

    Central Bank of India held virtual one-on-one analyst meets with Systematix Group (Aug 20) and AUM Capital (Jul 28), discussing only public domain information.

TL;DR: Central Bank of India is actively strengthening its capital base with a ₹7,000 crore equity raise approval, signaling growth intent. Leadership appointments suggest organizational focus on strategy and governance. No visible headwinds in recent news flow, though dilution from the equity raise is worth monitoring as details emerge.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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 in Rs
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%
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
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 in Rs
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%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
4%
-8%
-13%
-28%
-30%
-6%
-4%
4%
6%
9%
11%
12%

Shareholding Pattern

As of Jun 2026
Promoters 81.19%
DIIs 10.94%
Public 6.11%
FIIs 0.93%
Others 0.83%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026May 2026Jun 2026
Promoters
89.78%
93.08%
93.08%
93.08%
93.08%
93.08%
93.08%
93.08%
93.08%
93.08%
93.08%
93.08%
93.08%
93.08%
93.08%
93.08%
89.27%
89.27%
89.27%
89.27%
89.27%
81.19%
81.19%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.07%
0.17%
0.16%
0.34%
0.44%
1.27%
0.96%
0.87%
0.84%
0.75%
0.84%
0.93%
DIIs
4.25%
2.74%
2.74%
2.75%
2.76%
2.80%
2.84%
2.89%
2.87%
2.84%
2.85%
2.80%
2.80%
2.81%
2.82%
2.83%
5.87%
5.07%
4.87%
4.83%
4.82%
10.81%
10.94%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
5.30%
3.37%
3.53%
3.59%
3.58%
3.59%
3.55%
3.40%
3.48%
3.55%
3.47%
3.57%
3.59%
3.61%
3.48%
3.38%
3.21%
4.27%
4.57%
4.63%
4.70%
6.09%
6.11%
Others
0.66%
0.80%
0.64%
0.58%
0.58%
0.53%
0.53%
0.63%
0.57%
0.53%
0.60%
0.47%
0.36%
0.33%
0.28%
0.27%
0.38%
0.43%
0.41%
0.42%
0.46%
1.07%
0.83%
No. of Shareholders
0
3,31,719
3,56,923
3,59,676
3,68,223
3,68,939
3,70,074
3,76,992
4,15,868
4,15,792
4,34,384
5,03,897
5,29,591
6,43,550
6,85,394
6,67,435
6,71,006
6,79,352
7,18,928
7,21,272
7,19,939
7,14,547
7,44,225

Documents

Frequently Asked Questions about Central Bank of India

What does Central Bank of India do?
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]
Where is Central Bank of India (CENTRALBK) listed?
Central Bank of India is listed on the Indian stock exchanges. It is listed on NSE: CENTRALBK and BSE: 532885. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Central Bank of India belong to?
Central Bank of India operates in the Banks sector within the Public Sector Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Central Bank of India?
Central Bank of India has a market capitalisation of approximately ₹28466.66 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Central Bank of India?
The Price-to-Earnings (PE) ratio of Central Bank of India is 6.19. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Central Bank of India?
Over the past 52 weeks, Central Bank of India has traded between a low of ₹29.32 and a high of ₹40.92. This range helps investors understand the stock's price volatility and recent trading levels.
Does Central Bank of India pay dividends?
Yes, Central Bank of India has a dividend yield of 3.84%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Central Bank of India?
Central Bank of India has a Return on Equity (ROE) of 11.59%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Central Bank of India on Tapetide?
On Tapetide, you can view Central Bank of India's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

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]

Website centralbankofindia.co.in
CEO Mr. Malladi Venkat Murali Krishna
Employees 33,081
Listed 2007-08-21
Face Value ₹ 10
Issued Size 9,05,14,01,274

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