CSB Bank logo

CSB Bank

CSBBANK NSE
₹309.25 2.45 (0.79%)
Market Cap
₹5,365 Cr
P/E
8.07

CSB Bank (CSBBANK) share price was ₹309.25 at the 28 Oct 2026 close; market capitalisation ₹5,365 Cr; P/E (TTM) 8.07; sector Banks. The share price fell 26.5% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Jun 2026 quarter, revenue rose 23.7% year on year to ₹1,287.3 Cr and net profit rose 26.5% year on year to ₹150.0 Cr (compared with Jun 2025). Promoters held 40.00% of CSB Bank in Sep 2026, unchanged from Jun 2026. Its Tapetide Score is 47/100 (Average) as of 28 Oct 2026.

Close 28 Oct 2026 ₹309.25 −111.55 −26.51% 1Y

Key Fundamentals

MicrocapBanksFinancial Services
Market Cap
₹5,365 Cr
P/E (TTM)
8.07
EBITDA
₹959 Cr
Return on Equity
12.94%
Debt to Equity
0
Book Value
₹290.26
EPS (TTM)
₹38.31
52W High
₹574.40
52W Low
₹294.15

Price-based figures as of 28 Oct 2026, 15:29 IST · EPS basis: Standalone · TTM

Peer Comparison

Financial Services › Banks › Private Bank › Private Sector Bank

HDFC Bank
₹685.3013.1710,56,506 Cr1.752.65%13.02%5.86%5,06,316 Cr83,685 Cr
ICICI Bank
₹1,377.6016.729,88,905 Cr2.580.87%15.19%5.70%3,29,246 Cr62,827 Cr
Kotak Bank
₹440.0020.394,37,697 Cr2.250.15%10.58%5.54%1,15,822 Cr21,472 Cr
Axis Bank
₹1,220.0012.673,79,856 Cr1.650.08%12.28%5.47%1,70,928 Cr30,038 Cr
Federal Bank
₹346.0016.4585,586 Cr2.080.35%10.91%5.88%36,482 Cr5,387 Cr
IDBI Bank
₹77.5910.0483,428 Cr1.292.68%13.44%5.29%36,439 Cr8,329 Cr
Indusind Bank
₹851.0050.1566,305 Cr0.980.18%1.35%5.42%52,940 Cr1,322 Cr
CSB Bank (this company)
₹309.258.075,365 Cr1.070.00%12.94%6.30%6,066 Cr665 Cr
Median 8 companies₹562.6514.812,32,721 Cr1.700.27%12.61%5.62%84,381 Cr14,901 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100. How it works →

As of 2026-10-28
v2.0.0
47 Average
Overall score
Data confidence 100/100

Category scores

Quality Average 49
Returns, margins, earnings quality 22%
Valuation Average 48
Cheap vs sector & own history 24%
Growth Strong 97
Sales & profit trajectory 9%
Financial Health Weak 40
Solvency, leverage, coverage 9%
Momentum Poor 13
Trend strength, vol-adjusted 12%
Ownership Average 53
FII/DII/promoter flows 24%

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

1
  • Stock is trading at 1.08 times its book value

Weaknesses

6
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.10,690 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.1,161 Cr.
  • Promoter holding has decreased over last 3 years: -9.72%

Technical Indicators

Oscillators

BearishNeutralBullish

Bullish

Bearish
0
Neutral
7
Bullish
2

Overall

BearishNeutralBullish

Bearish

Bearish
9
Neutral
7
Bullish
3

Moving Averages

BearishNeutralBullish

Bearish

Bearish
9
Neutral
0
Bullish
1
Analyst Rating
Based on 3 analysts
TIED33%

1 of 3 analysts rate Buy, 1 Hold, 1 Sell.

Updated 28 Oct 2026

BUY
1
33.3%
HOLD
1
33.3%
SELL
1
33.3%

Growth Rate

Revenue Growth
24.35% lower than 3Y

change over 1 year

Net Income Growth
6.64% higher than 3Y

change over 1 year

Cash Flow Change
94.03%

change over 1 year

EBITDA Margin Change
0.44%

change over 1 year

AI Analysis — Bull vs Bear

Generated 6 Jul 2026
AI opinion · based on fundamentals
Risk high

CSB Bank Ltd trades at a market cap of Rs.6,081 Cr with a PE of 9.6x and PB of 1.29x. The bank has delivered 25% TTM revenue growth and maintains a 3-year average ROE of 15%, but its stock has declined 15% over the past year and the bank pays no dividend despite consistent profitability.

Bull Case 7
  • Strong revenue growth with TTM compounded sales growth at 25% and 3-year CAGR also at 25%, indicating sustained business momentum
  • Attractive valuation with PE ratio of 9.6x, well below the banking sector median, suggesting the stock is priced conservatively relative to earnings
  • Price-to-book ratio of 1.29x is modest for a bank delivering double-digit ROE, offering potential value
  • Consistent profitability with 5-year compounded profit CAGR of 24% and 10-year profit CAGR of 20%, demonstrating long-term earnings trajectory
  • 3-year ROE of 15% and 5-year ROE of 16% reflect efficient capital utilization sustained over multiple years
  • 5-year compounded sales CAGR of 19% shows the bank has been growing meaningfully even on a longer timeframe
  • Market cap of Rs.6,081 Cr positions it as a small-cap bank with potential for re-rating if growth sustains
Bear Case 8
  • No dividend paid despite repeated profitability, raising questions about capital allocation and shareholder returns
  • Promoter holding has decreased by 9.72% over the last 3 years, signaling potential lack of promoter confidence or dilution
  • Contingent liabilities of Rs.7,445 Cr exceed the bank's market cap of Rs.6,081 Cr, representing a significant off-balance-sheet risk
  • Low interest coverage ratio indicates vulnerability to interest rate movements and potential stress on debt servicing
  • Other income of Rs.1,177 Cr forms a material portion of earnings, suggesting core operating income may be overstated
  • Possible capitalization of interest cost raises concerns about true expense recognition and asset quality reporting
  • Stock has declined 15% over the past 1 year and delivered 0% CAGR over 5 years, reflecting sustained market skepticism
  • TTM profit growth has slowed to 7% compared to the 5-year CAGR of 24%, indicating a potential deceleration in earnings momentum

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

AI News Digest

114d ago
Positives 1
  • Deposits surge 26% YoY Jul 2

    CSB Bank reported total deposits of ₹45,415 crore for Q1FY27, up 26% YoY. Gold loan advances surged 47% to ₹21,906 crore, indicating strong growth in core lending.

Neutral 2
  • ESOS 2026 approved for employees Jun 25

    Board approved Employee Stock Option Scheme 2026 proposing up to 20,00,000 options, subject to shareholder approval.

  • Analyst meeting with East Bridge Jun 12

    CSB Bank held a virtual one-on-one meeting with East Bridge Capital on June 11, 2026. No unpublished price sensitive information was shared.

TL;DR: CSB Bank is demonstrating strong deposit and loan growth, with Q1FY27 deposits up 26% YoY and gold advances up 47%. No material headwinds are visible in recent news flow. The employee stock option scheme signals management confidence in retention and long-term value creation. The growth trajectory appears healthy heading into FY27, though concentration in gold loans warrants monitoring.

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹42 +15.1% vs FY26
Reported High Mean Low

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
683
687
762
795
832
865
919
981
1,041
1,109
1,154
1,201
1,287
Expenses
307
308
308
376
381
380
391
496
465
557
524
500
506
Financing Profit
57
35
75
10
-19
-13
-15
-125
-85
-134
-71
-36
-27
Fin. Margin %
8%
5%
10%
1%
-2%
-2%
-2%
-13%
-8%
-12%
-6%
-3%
-2%
Other Income
120
143
125
197
172
199
219
381
245
349
276
306
229
Interest
319
344
379
409
470
497
544
610
662
686
701
737
809
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
177
178
200
206
152
186
204
257
160
216
205
271
202
Tax %
25%
25%
25%
27%
26%
26%
26%
26%
26%
26%
26%
26%
26%
Net Profit
132
133
150
151
113
138
152
190
119
160
153
202
150
EPS (₹)
7.62
7.68
8.64
8.73
6.53
7.98
8.74
10.98
6.84
9.24
8.8
11.62
8.65
Gross NPA %
1.27%
1.27%
1.22%
1.47%
1.69%
1.68%
1.58%
1.57%
1.84%
1.81%
1.96%
1.66%
1.75%
Net NPA %
0.32%
0.33%
0.31%
0.51%
0.68%
0.69%
0.64%
0.52%
0.66%
0.52%
0.67%
0.4%
0.39%
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
1,545
1,483
1,336
1,297
1,348
1,510
1,872
2,038
2,320
2,928
3,597
4,505
4,752
Expenses
555
643
589
644
859
656
911
748
873
1,244
1,572
1,938
2,087
Financing Profit
-199
-319
-275
-259
-419
-64
30
405
461
233
-96
-218
-267
Fin. Margin %
-13%
-22%
-21%
-20%
-31%
-4%
2%
20%
20%
8%
-3%
-5%
-6%
Other Income
127
105
281
125
136
222
303
247
316
584
972
1,177
1,161
Interest
1,189
1,159
1,023
912
908
918
931
885
986
1,451
2,121
2,785
2,932
Depreciation
11
14
15
16
17
24
41
38
43
56
76
107
0
PBT
-82
-228
-9
-149
-300
134
293
614
734
761
800
851
893
Tax %
-35%
-34%
-117%
-35%
-34%
90%
25%
25%
25%
26%
26%
26%
—
Net Profit
-53
-150
2
-97
-197
13
218
458
547
567
594
633
665
EPS (₹)
-8.81
-20.88
0.19
-12.04
-22.98
0.73
12.59
26.43
31.55
32.67
34.23
36.5
38.31
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
60
72
81
81
86
174
174
174
174
174
174
174
Reserves
828
821
918
808
1,346
1,787
2,007
2,478
3,030
3,630
4,324
4,721
Borrowing
45
42
42
42
0
794
1,426
2,007
783
1,757
5,546
7,154
Deposits
14,474
14,438
14,912
14,691
15,124
15,791
19,140
20,188
24,506
29,719
36,861
44,246
Other Liabilities
351
279
271
249
356
319
591
509
670
776
931
1,432
Total Liabilities
15,760
15,652
16,223
15,870
16,911
18,864
23,337
25,356
29,162
36,056
47,836
57,727
Fixed Assets
175
215
215
216
218
253
269
288
319
406
450
708
CWIP
0
0
0
0
0
0
0
0
0
0
179
2
Investments
4,427
5,987
5,762
4,114
4,028
5,360
6,126
7,012
5,849
7,551
11,389
11,955
Other Assets
11,158
9,450
10,246
11,540
12,666
13,251
16,942
18,057
22,994
28,099
35,818
45,061
Total Assets
15,760
15,652
16,223
15,870
16,911
18,864
23,337
25,356
29,162
36,056
47,836
57,727
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-356
-166
395
27
-893
-1,109
1,374
-852
2,211
1,783
-5,256
-314
Investing
-16
-13
-17
-18
-22
-235
-1,231
131
-724
-1,439
1,904
-790
Financing
97
106
106
-5
674
1,310
632
581
-1,224
974
3,789
1,608
Net Cash Flow
-276
-72
485
4
-242
-34
775
-140
263
1,318
437
505
Free Cash Flow
-372
-178
378
9
-915
-1,153
1,318
-908
2,137
1,667
-5,555
-502
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
-7%
-17%
0%
-10%
-17%
1%
11%
19%
19%
16%
14%
13%

Insights

Beta

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

Log in to view CSB Bank insights

90 extracted metrics + investor summaries across FY15–FY27.

Shareholding Pattern

Promot.40.00%Public19.37%FIIs12.33%Others12.61%DIIs15.69%As ofSep 2026

Documents

Frequently Asked Questions about CSB Bank

What does CSB Bank Ltd do?
CSB Bank (formerly The Catholic Syrian Bank Ltd) is engaged in the business of banking Services ,oldest private sector banks in India with a history of over 98 years, and a strong base in Kerala , Bank focus on SME, retail, and NRI customers.(Source : Company Web-site )
Where is CSB Bank Ltd (CSBBANK) listed?
CSB Bank Ltd trades as CSBBANK on the NSE and under code 542867 on the BSE.
Which sector does CSB Bank Ltd belong to?
CSB Bank Ltd is classified under the Banks sector, in the Private Bank industry.
What is the market capitalisation of CSB Bank Ltd?
CSB Bank Ltd has a market capitalisation of ₹5,365 Cr as of 28 Oct 2026, which places it in the Mid Cap band.
What is the PE ratio of CSB Bank Ltd?
CSB Bank Ltd trades at a PE ratio of 8.07 as of 28 Oct 2026, on earnings per share of ₹38.31, against a book value of ₹290.26 per share.
What is the 52-week high and low of CSB Bank Ltd?
Over the last 52 weeks CSB Bank Ltd has traded between ₹294.15 and ₹574.4 as of 28 Oct 2026.
What is the Return on Equity (ROE) of CSB Bank Ltd?
CSB Bank Ltd reported a return on equity of 12.94%. Its debt-to-equity ratio is 0.00.

Company Information

CSB Bank (formerly The Catholic Syrian Bank Ltd) is engaged in the business of banking Services ,oldest private sector banks in India with a history of over 98 years, and a strong base in Kerala , Bank focus on SME, retail, and NRI customers.(Source : Company Web-site )

Website csb.co.in
CEO Mr. Pralay Mondal
Employees 7,614
Listed 2019-12-04
Face Value ₹ 10
Shares Outstanding 17,34,85,827

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