CSBBANK
FAIRLY_VALUEDCSB Bank
Banking · NSE
↑ 2.1% vs fair value
52W Low
₹325
+11.1% from low
52W High
₹574
-37.2% from high
Valuation Gauge
Current Price
₹361
Fair Value
₹369
Fair Value Analysis
₹369
Based on balance sheet strength analysis and book value multiple for Banking sector companies | CAUTION: ROCE declining (latest 4.2%) — returns on capital are falling; verify this isn't a value trap. | Growth capped at 15.2% (ROE 13.2%×1.15) — historical CAGR exceeds sustainable rate or COVID period unverifiable.
Balance Sheet Value
42% weight
P/B Multiple
58% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Solid Fundamentals
Profitability
ROE of 13.2% is acceptable for Banking sector (benchmark: 15%)
Debt & Leverage
D/E ratio of 0.9x is well within the Banking sector norm of 8.0x — strong balance sheet
Valuation vs Peers
P/E of 9.8x trades at a 34% discount to Banking sector median (15x) — attractively valued
Cash Flow
Negative cash flow of ₹-505 Cr — concerning for Banking sector
Earnings Growth
5yr EPS CAGR of 5.0% is well below Banking sector average of 23.2%
Dividend
No dividend — typical for growth-stage companies
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
-17.7%
Free cash flow / market cap
Revenue Growth (YoY)
+22.4%
Year-on-year revenue change
Profit Growth (YoY)
+6.3%
Year-on-year PAT change
Operating Cash Flow
₹-314 Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹36.5
P/E Ratio
9.8x
P/B Ratio
1.3x
ROE
13.2%
ROCE
—
Debt / Equity
0.92x
Beta
0.31
Div Yield
—
FCF (Cr)
₹-505 Cr
Revenue (Cr)
₹2,897 Cr
EPS Growth 5Y
5%
Mkt Cap (Cr)
₹6,078 Cr
52W High
₹574.4
52W Low
₹324.8
Book Value/Share
₹281.6
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2026-03-31 | ₹4.5K Cr | ₹-325 Cr | -7.0% | ₹633 Cr | ₹36.50 |
| 2025-03-31 | ₹3.6K Cr | ₹-96 Cr | -3.0% | ₹594 Cr | ₹34.23 |
| 2024-03-31 | ₹2.9K Cr | ₹233 Cr | 8.0% | ₹567 Cr | ₹32.67 |
| 2023-03-31 | ₹2.3K Cr | ₹461 Cr | 20.0% | ₹547 Cr | ₹31.55 |
| 2022-03-31 | ₹2.0K Cr | ₹405 Cr | 20.0% | ₹458 Cr | ₹26.43 |
| 2021-03-31 | ₹1.9K Cr | ₹30 Cr | 2.0% | ₹218 Cr | ₹12.59 |
| 2020-03-31 | ₹1.5K Cr | ₹-64 Cr | -4.0% | ₹13 Cr | ₹0.73 |
| 2019-03-31 | ₹1.3K Cr | ₹-419 Cr | -31.0% | ₹-197 Cr | ₹-22.98 |
| 2018-03-31 | ₹1.3K Cr | ₹-259 Cr | -20.0% | ₹-97 Cr | ₹-12.04 |
| 2017-03-31 | ₹1.3K Cr | ₹-275 Cr | -21.0% | ₹2 Cr | ₹0.19 |
| 2016-03-31 | ₹1.5K Cr | ₹-319 Cr | -22.0% | ₹-150 Cr | ₹-20.88 |
| 2015-03-31 | ₹1.5K Cr | ₹-199 Cr | -13.0% | ₹-53 Cr | ₹-8.81 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Banking| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
Central Bank of India | ₹31.2 | ₹51.3 | +39.2% | 6.8 | 13.2% | UNDERVALUED |
Canara Bank | ₹128.5 | ₹204.4 | +37.1% | 5.3 | 17.6% | UNDERVALUED |
Canara Bank | ₹128.5 | ₹201.1 | +36.1% | — | — | UNDERVALUED |
IDBI Bank Limited | ₹72.6 | ₹98.8 | +26.5% | 8.1 | 14.2% | FAIRLY_VALUED |
Bank of India | ₹139.9 | ₹186.5 | +25.0% | 6.3 | 12.1% | FAIRLY_VALUED |
Bank of Maharashtra | ₹80.3 | ₹104.8 | +23.4% | 8.6 | 22.7% | FAIRLY_VALUED |
Bank of Baroda | ₹266.8 | ₹344.4 | +22.5% | 6.8 | 12.7% | FAIRLY_VALUED |
Punjab National Bank | ₹102.9 | ₹129.9 | +20.8% | 6.4 | 13.0% | FAIRLY_VALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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