CSB Bank Limited
₹296.50-₹10.95 (-3.6%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹8,994 Cr
- P/E
- 14.5x
- Revenue
- ₹3,597 Cr
- ROCE
- -0.2%
Price chart
Technical chartScreen technicals →-27.8% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -4.6%
- 3M
- -9.5%
- 6M
- -22.3%
- 1Y
- -27.8%
- 5Y
- -1.2%
52-week range
Day change -₹10.95 (-3.6%) from ₹307 to ₹297 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in CSBBANK, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 112.8%
Concerns1
- Other income is 76.7% of PBT — a large share of earnings is non-operating
Rule-based from financial data. Not advice.
About the company
CSB Bank Limited provides banking and financial services for small and medium enterprises, retail, and non-resident individuals in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments.
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CSB Bank Limited provides banking and financial services for small and medium enterprises, retail, and non-resident individuals in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers savings and current, salary/payroll, and fixed and recurring deposit accounts, as well as family banking and segmented products; insurance products, such as life, health, and general insurances, as well as social security schemes; personal, gold, vehicle, home, small business, agriculture, and educational loans, as well as MFI Loans, two-wheeler loans, and healthcare finance; loan against securities and property; doorstep banking services, such as cash pickup and cash delivery, and cheque pickup and reconciliation; and corporate internet banking. The company also provides investment services, such as e-trade and sovereign gold bond; credit and debit cards; digital access and value added services; NRI banking services including NRO, NRE, FCNR, and RFC accounts; and forex services, including outward remittance, foreign currency cash, and integrated treasury services, as well as Agri-banking and financial inclusion services. In addition, it offers SME and corporate banking services, which includes term and working capital loans, export and import finance, letter of credit, buyer and suppliers credit, commercial vehicle and consumption loans, bill discounting, trade and bill finance, cash management, and bank guarantee; ATMs and CDMs; internet, mobile, and WhatsApp banking; and locker facilities. CSB Bank Limited was formerly known as The Catholic Syrian Bank Limited. CSB Bank Limited was incorporated in 1920 and is headquartered in Thrissur, India.
- Sector
- Financial Services
- Shares outstanding
- 17.3 Cr shares
- ISIN
- INE679A01013
- BSE code
- 542867
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹8,994 Cr
- P/E
- 14.5x
- P/B
- 1.9x
- Earnings yield
- 6.9%
- 52-week high
- ₹560.45
- 52-week low
- ₹295.90
Profitability
- ROE
- 13.2%
- ROCE
- -0.2%
- Dividend payout
- 0.0%
- Tax rate
- 26.0%
- Other income, % of PBT
- 76.7%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹3,597 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 22.8%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 14.2%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹584 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 84.8%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 4.8%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 112.8%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,783 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -19.4%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹437 Cr
Solvency and efficiency
- CFO / Net profit
- 3.14
Where the revenue went
FY2025 ended in a loss, so the lines are listed rather than drawn as a flow.
| Line | FY2025 |
|---|---|
| Revenue | ₹3,597 Cr |
| Interest paid | ₹2,121 Cr |
| Expenses | ₹1,572 Cr |
| Financing profit | -₹96 Cr |
| Other income | ₹972 Cr |
| Depreciation | ₹76 Cr |
| Profit before tax | ₹800 Cr |
| Tax and other | ₹206 Cr |
| Net profit | ₹594 Cr |
Revenue and net profit
Revenue grew 22.8% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹1,872 Cr | ₹218 Cr |
| FY2022 | ₹2,038 Cr | ₹458 Cr |
| FY2023 | ₹2,320 Cr | ₹547 Cr |
| FY2024 | ₹2,928 Cr | ₹567 Cr |
| FY2025 | ₹3,597 Cr | ₹594 Cr |
Cash flows
FY2025: -₹5,256 Cr from operations, -₹3,352 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹1,374 Cr | ₹143 Cr |
| FY2022 | -₹852 Cr | -₹721 Cr |
| FY2023 | ₹2,211 Cr | ₹1,487 Cr |
| FY2024 | ₹1,783 Cr | ₹344 Cr |
| FY2025 | -₹5,256 Cr | -₹3,352 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹3,597 Cr+22.8%1Y
- Net profit
- ₹594 Cr+4.8%1Y
- Cash from operations
- -₹5,256 Cr-394.8%1Y
- Free cash flow
- -₹3,352 Cr-1,074.4%1Y
- Revenue CAGR, 5Y
- 14.2%
- EBITDA CAGR, 5Y
- 21.3%
- Net profit CAGR, 5Y
- 112.8%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹3,597 Cr | -₹96 Cr | — | ₹594 Cr | -₹5,256 Cr | -₹3,352 Cr | — | +22.8% | +4.8% |
Monthly returns
Month-by-month returns of CSBBANK across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹47,836 Cr |
| Equity capital | ₹174 Cr |
| Reserves | ₹4,324 Cr |
| Deposits | ₹36,861 Cr |
| Borrowings | ₹5,546 Cr |
| Other liabilities | ₹931 Cr |
| Assets | ₹47,836 Cr |
| Fixed assets | ₹450 Cr |
| Capital work in progress | ₹179 Cr |
| Investments | ₹11,389 Cr |
| Other assets | ₹35,818 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
CSBBANK trades at 14.5x earnings against a peer median of 26.9x (a 46% discount).
Not shown (no positive earnings and no EV / Sales): Religare Enterprises Ltd, Equitas Small Finance Bank Limited.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| CSB Bank LimitedCSBBANKthis companyP/E ↓ discount | ₹8,994 Cr | 14.5x | 1.9x | 13.2% | — |
| Prudent Corporate Advisory Services LimitedPRUDENT | ₹10,035 Cr | 56.9x | 16.4x | 29.9% | 58.1x |
| Edelweiss Financial Services Ltd.EDELWEISS | ₹9,880 Cr | 93.4x | 1.7x | -0.9% | 14.2x |
| Kama Holdings LimitedKAMAHOLD | ₹9,133 Cr | 81.5x | 10.7x | 12.4% | 28.6x |
| Tamilnad Mercantile Bank LimitedTMB | ₹8,974 Cr | 7.4x | 1.0x | 13.1% | — |
| LLOYDS ENTERPRISES LIMITEDLLOYDSENT | ₹8,577 Cr | 33.9x | 1.8x | 0.3% | 93.3x |
| India Shelter Finance Corporation LimitedINDIASHLTR | ₹8,514 Cr | 19.1x | 2.9x | 13.9% | — |
| Religare Enterprises LtdRELIGARE | ₹8,089 Cr | — | 3.3x | -1.8% | -200.1x |
| Equitas Small Finance Bank LimitedEQUITASBNK | ₹7,758 Cr | — | 1.3x | 2.4% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
CSBBANK since 1 January, against earlier years.
Historical volatility
CSBBANK's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 2.0% |
| FY2022 | 20.0% |
| FY2023 | 20.0% |
| FY2024 | 8.0% |
| FY2025 | -3.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹3,597 Cr |
| Costs | |
| Interest | ₹2,121 Cr |
| Expenses | ₹1,572 Cr |
| Financing profitFinancing Profit | -₹96 Cr |
| Financing marginFinancing Margin % | -3.0% |
| Other income and charges | |
| Profit before tax | ₹800 Cr |
| Tax | |
| Net profitNet Profit | ₹594 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹47,836 Cr |
| Equity capitalEquity Capital | ₹174 Cr |
| Reserves | ₹4,324 Cr |
| Deposits | ₹36,861 Cr |
| BorrowingsBorrowing | ₹5,546 Cr |
| Other liabilitiesOther Liabilities | ₹931 Cr |
| AssetsTotal Assets | ₹47,836 Cr |
| Fixed assetsFixed Assets | ₹450 Cr |
| Capital work in progressCWIP | ₹179 Cr |
| Investments | ₹11,389 Cr |
| Other assetsOther Assets | ₹35,818 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹5,256 Cr |
| Investing cash flowCash from Investing Activity | ₹1,904 Cr |
| Financing cash flowCash from Financing Activity | ₹3,789 Cr |
| Change in cashNet Cash Flow | ₹437 Cr |
Learn while you research
Academy chapters picked for CSB Bank Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Growth Investing23% revenue growth is in the top tier, learn how to value growth.7 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read