āagman

Not investment advice. Data and computed figures, for information only.

Central Bank of India

NSE: CENTRALBK
₹30.88
+₹0.10 (+0.32%)
NSE · 16 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹27,245 Cr
CMP
₹30.88
52-wk High / Low
₹41 / 29
P/E
6.0
P/B
0.7
Book Value
₹45.2
Div Yield
3.99%
ROCE
5.6%
ROE
12.0%
Face Value
₹10
D/E
12.83

Price−18.3% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 13 quarters of filings. Not reported by the company.
As of 16 Oct 2026
How we compute these
Piotroski F-Score
4
/ 9
4 of 9 F-score tests passed
Graham Number
₹71
√(22.5 × EPS × book value per share)
Cash flow to profit
0.62
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
9.1%
ROE × earnings retention ratio
ROE stability
2.9
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom −8.08FII +0.18DII +6.13
Latest quarter vs the previous one
Cash-accrual divergence
0.3%
of assets
Low = accruals track cash flow
Strengths
+FII holding rose by 0.7pp over the last year
+PE of 6.0x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 5.6% trails the sector median of 9.4%
−Borrowings are up 235.2% since FY2016 (9503 to 31854)
−Price trades below its 200-day moving average (0.9x)
−Promoter holding fell by 11.9pp over the last year

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales7,2597,3777,8428,3718,3678,2358,5428,6538,6238,7779,0709,6989,726
Expenses3,1183,5343,3773,5613,9203,5003,3733,9683,3813,3283,8533,5733,129
Operating Profit—————————————
OPM %—————————————
Other Income9591,0621,3291,3631,1661,6491,2321,7231,8571,5071,9271,161988
Interest4,0624,3384,6724,8114,8014,8074,9845,2385,2225,4765,5525,6775,794
Depreciation0000000000000
Profit before tax1,0385671,1221,3638121,5781,4181,1711,8781,4791,5921,6091,791
Net Profit4986237388179459269661,1061,2841,2341,2657481,325
EPS (₹)0.570.720.850.941.091.061.111.221.421.361.400.821.46

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales26,47625,98824,77524,16322,74923,67622,83022,90325,65730,84933,79736,16837,270
Expenses8,62011,52912,74414,01514,58012,13512,41910,47712,77813,09914,10213,57813,884
Operating Profit—————————————
OPM %—————————————
Other Income1,9002,0192,8712,6202,4163,6222,9942,9864,1644,8145,7846,4635,584
Interest19,20018,88918,16617,60315,93516,00514,54313,36113,90517,88219,83021,92622,498
Depreciation2302402582602782852932973865005585300
Profit before tax327−2,651−3,523−5,096−5,628−1,127−1,4311,7552,7524,1815,0926,5976,472
Net Profit670−1,392−2,457−5,134−5,611−1,252−9951,0831,6882,6773,9434,5314,571
EPS (₹)4.02−8.26−12.93−19.63−13.88−2.20−1.701.241.933.074.355.005.04

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital1,6581,6901,9022,6184,0475,7105,8768,6818,6818,6819,0519,051—
Reserves16,07716,81816,30915,59215,34915,82720,62118,86820,53623,69327,83029,950—
Other Liabilities12,99111,9249,5517,7596,53815,3377,3908,9159,7549,8448,48511,780—
Total Liabilities3,12,7663,06,6213,34,6953,27,3493,31,8853,57,1513,69,9743,87,2924,07,0804,47,7724,80,4575,51,079—
Fixed Assets2,8434,3694,3004,3534,3204,3465,1424,9644,7865,3455,2145,202—
CWIP000000000000—
Investments89,92189,08792,2771,02,7691,25,4531,42,5261,48,5181,40,7751,36,5691,44,0101,41,6521,57,607—
Other Assets2,20,0012,13,1652,38,1182,20,2272,02,1122,10,2792,16,3152,41,5532,65,7252,98,4163,33,5913,88,270—
Total Assets3,12,7663,06,6213,34,6953,27,3493,31,8853,57,1513,69,9743,87,2924,07,0804,47,7724,80,4575,51,079—
Deposits2,62,2632,66,6862,97,3092,95,3543,00,3113,14,2013,30,3283,43,1653,59,7753,85,5414,13,2714,68,444—
Borrowing19,7779,5039,6236,0265,6406,0765,7607,6638,33420,01321,82031,854—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity2,27428161,871−44,376−14,5101,726−2,00314,277−8,786−5,910−2,4602,804
Cash from Investing Activity−332−149−189−310−251−315−202−133−209−584−451−454
Cash from Financing Activity5105991,5435,1546,7963,3965,0550001,500−713
Net Cash Flow2,45273263,225−39,533−7,9654,8072,84914,143−8,995−6,494−1,4101,637

Ratios

As of 31 Mar 2026
12 periods
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %———————————5.6
ROE %4.0−8.0−13.0−28.0−30.0−6.0−4.04.06.09.011.012.0
EPS (₹)4.02−8.26−12.93−19.63−13.88−2.20−1.701.241.933.074.355.00
Book Value (₹)———————————45.2
Face Value (₹)———————————10
P/E———————————6.0
Div Yield %———————————3.99
NPM %2.4−5.0−8.9−19.2−22.3−4.6−3.94.25.77.510.010.6
OPM %————————————
D/E15.9014.9216.8516.5515.7714.8712.6812.7312.6012.5311.8012.83
P/B———————————0.7

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+3.0%
5 years+10.0%
3 years+12.0%
TTM+9.0%
Compounded profit growth
10 years+18.0%
5 years+46.0%
3 years+39.0%
TTM+8.0%
Stock price CAGR
10 years−11.0%
5 years+5.0%
3 years−15.0%
Last year−21.0%
Return on equity
10 years−1.0%
5 years9.0%
3 years11.0%
Last year12.0%

Shareholding pattern

As of 31 Mar 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters81.28%81.28%86.40%91.20%92.39%89.78%93.08%93.08%93.08%89.27%89.27%81.19%
FIIs0.25%0.25%0.21%0.25%0.20%0.06%0.11%0.19%0.17%1.27%0.75%0.93%
DIIs14.22%14.22%10.36%6.68%4.47%4.25%2.76%2.86%2.80%5.87%4.82%10.95%
Government————————————
Public4.25%4.25%3.03%1.86%2.94%5.91%4.05%3.85%3.95%3.59%5.16%6.93%
No. of shareholders1,39,3321,39,3321,33,3371,39,8931,73,4163,31,7193,68,9394,15,7926,43,5506,79,1057,14,5477,44,225
Change since Jun 2023 (pp)
Promoters −0.09FIIs +0.68DIIs −3.27Public +2.68

Documents

As of 11 Oct 2026
Announcements
Intimation About Withdrawal Of Credit RatingAnnouncement under Regulation 30 (LODR)-Credit RatingStatement Of Outstanding Debt Securities Of Bank For The Half Year Ended 30.09.2026.Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Key Provisional Business Figures Of Bank For Q2 FY 2026-27
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Sep 2026PPTAug 2026TranscriptAug 2026RecordingJul 2026PPTJul 2026RecordingMay 2026TranscriptMay 2026PPTApr 2026PPT

Corporate actions

As of 8 May 2026
8 May 2026DIVIDENDInterim Dividend - Rs 0.60 Per Share—
23 Jan 2026DIVIDENDInterim Dividend - Re 0.20 Per Share—
27 Oct 2025DIVIDENDInterim Dividend - Re 0.20 Per Share—
25 Jul 2025DIVIDENDInterim Dividend - Re 0.20 Per Share—
4 Jul 2025DIVIDENDDividend - Re 0.1875 Per Share—
23 Jun 2015DIVIDENDAnnual General Meeting/ Dividend - Re 0.50/- Per Share—
20 Jun 2013DIVIDENDAnnual General Meeting/Dividend Rs 2.50 Per Equity Share—
21 Jun 2012DIVIDENDAnnual General Meeting/Dividend Rs 2 Per Share—
21 Jul 2011DIVIDENDAnnual General Meeting And Dividend Rs.1.50 Per Share—
17 Mar 2011RIGHTSRights Issue - 3:5 @ Premium Rs.93/-—
9 Nov 2010DIVIDENDInterim Dividend - Re.1/- Per Share—
8 Jul 2010DIVIDENDFinal Dividend-Re.1.20 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman