Central Bank of India
Central Bank of India
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BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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60 extracted metrics + investor summaries across FY14–FY26.
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
AI Analysis — Bull vs Bear
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.
- 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
- 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
- ₹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.
- 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 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 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% |
Profit & Loss
| 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 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% | — |
Balance Sheet
| 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
| 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
| 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% |
Documents
Frequently Asked Questions about Central Bank of India
What does Central Bank of India do?
Where is Central Bank of India (CENTRALBK) listed?
Which sector does Central Bank of India belong to?
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What is the PE ratio of Central Bank of India?
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?
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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]