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

CSB Bank Ltd

NSE: CSBBANK
₹311.05
−₹10.25 (−3.19%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹5,211 Cr
CMP
₹311.05
52-wk High / Low
₹574 / 295
P/E
7.8
P/B
1.1
Book Value
₹282.0
Div Yield
0.00%
ROCE
7.1%
ROE
13.0%
Face Value
₹10
D/E
10.50

Price−20.2% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 13 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
3
/ 9
3 of 9 F-score tests passed
Graham Number
₹481
√(22.5 × EPS × book value per share)
Cash flow to profit
−0.50
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
13.0%
ROE × earnings retention ratio
ROE stability
1.8
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII −0.21DII −0.15
Latest quarter vs the previous one
Cash-accrual divergence
1.8%
of assets
Low = accruals track cash flow
Strengths
+FII holding rose by 6.9pp over the last year
+PE of 7.8x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 7.0% trails the sector median of 9.4%
−Borrowings are up 16933.3% since FY2016 (42 to 7154)
−Price trades below its 200-day moving average (0.8x)
−Price is 45.8% below its 52-week high
−Annualised volatility of 46.5% is in the high band (≥45%)
−Promoter holding fell by 9.7pp over the last year
−Piotroski F-Score of 3/9 is in the weak band (≤3)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Standalone 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
Sales6836877627958328659199811,0411,1091,1541,2011,287
Expenses307308308376381380391496465557524500506
Operating Profit—————————————
OPM %—————————————
Other Income120143125197172199219381245349276306229
Interest319344379409470497544610662686701737809
Depreciation0000000000000
Profit before tax177178200206152186204257160216205271202
Net Profit132133150151113138152190119160153202150
EPS (₹)7.627.688.648.736.537.988.7410.986.849.248.8011.628.65

Profit & Loss

As of 30 Jun 2026
Standalone · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales1,5451,4831,3361,2971,3481,5101,8722,0382,3202,9283,5974,5054,752
Expenses5556435896448596569117488731,2441,5721,9382,087
Operating Profit—————————————
OPM %—————————————
Other Income1271052811251362223032473165849721,1771,161
Interest1,1891,1591,0239129089189318859861,4512,1212,7852,932
Depreciation11141516172441384356761070
Profit before tax−82−228−9−149−300134293614734761800851893
Net Profit−53−1502−97−19713218458547567594633665
EPS (₹)−8.81−20.880.19−12.04−22.980.7312.5926.4331.5532.6734.2336.5038.31

Balance Sheet

As of 30 Jun 2026
Standalone · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital6072818186174174174174174174174—
Reserves8288219188081,3461,7872,0072,4783,0303,6304,3244,721—
Other Liabilities3512792712493563195915096707769311,432—
Total Liabilities15,76015,65216,22315,87016,91118,86423,33725,35629,16236,05647,83657,727—
Fixed Assets175215215216218253269288319406450708—
CWIP00000000001792—
Investments4,4275,9875,7624,1144,0285,3606,1267,0125,8497,55111,38911,955—
Other Assets11,1589,45010,24611,54012,66613,25116,94218,05722,99428,09935,81845,061—
Total Assets15,76015,65216,22315,87016,91118,86423,33725,35629,16236,05647,83657,727—
Deposits14,47414,43814,91214,69115,12415,79119,14020,18824,50629,71936,86144,246—
Borrowing4542424207941,4262,0077831,7575,5467,154—

Cash Flows

As of 31 Mar 2026
Standalone · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity−356−16639527−893−1,1091,374−8522,2111,783−5,256−314
Cash from Investing Activity−16−13−17−18−22−235−1,231131−724−1,4391,904−790
Cash from Financing Activity97106106−56741,310632581−1,2249743,7891,608
Net Cash Flow−276−724854−242−34775−1402631,318437505

Ratios

As of 31 Mar 2026
12 periods
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %———————————7.1
ROE %−7.0−17.00.0−10.0−17.01.011.019.019.016.014.013.0
EPS (₹)−8.81−20.880.19−12.04−22.980.7312.5926.4331.5532.6734.2336.50
Book Value (₹)———————————282.0
Face Value (₹)———————————10
P/E———————————7.8
Div Yield %———————————0.00
NPM %−3.2−9.40.1−6.8−13.30.810.020.020.816.113.011.1
OPM %————————————
D/E16.3516.2214.9716.5710.568.469.438.377.898.279.4310.50
P/B———————————1.1

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+12.0%
5 years+19.0%
3 years+25.0%
TTM+25.0%
Compounded profit growth
10 years+20.0%
5 years+24.0%
3 years+5.0%
TTM+11.0%
Stock price CAGR
5 years−1.0%
3 years−6.0%
Last year−23.0%
Return on equity
10 years11.0%
5 years16.0%
3 years15.0%
Last year13.0%

Shareholding pattern

As of 30 Jun 2025
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Promoters49.73%49.73%49.72%49.72%49.72%49.72%40.00%40.00%40.00%
FIIs2.87%2.87%5.30%5.02%5.73%4.93%13.07%12.84%12.63%
DIIs8.47%8.47%9.28%12.37%11.61%15.94%16.89%15.22%15.07%
Government—————————
Public36.04%36.04%32.81%30.01%30.07%26.80%27.65%29.63%30.11%
No. of shareholders52,01452,01447,51354,23556,75263,49778,23665,32867,652
Change since Jun 2023 (pp)
Promoters −9.73FIIs +9.76DIIs +6.60Public −5.93

Documents

As of 11 Oct 2026
Announcements
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Board Meeting Intimation for Consider And Approve The Unaudited Financial Results Of The Bank For The Quarter And Half Year Ended September 30, 2026Grant Of Stock Options Under CSB Bank Employee Stock Option Scheme 2026Business Updates For The Quarter Ended September 30, 2026Announcement under Regulation 30 (LODR)-Change in Directorate
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Jul 2026TranscriptJul 2026PPTJul 2026RecordingMay 2026TranscriptMay 2026PPTMay 2026RecordingFeb 2026TranscriptFeb 2026PPTFeb 2026RecordingNov 2025TranscriptNov 2025PPTNov 2025RecordingAug 2025TranscriptAug 2025PPT

Corporate actions

Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman