āagman

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

South Indian Bank Ltd

NSE: SOUTHBANK
₹51.45
−₹0.03 (−0.06%)
NSE · 16 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹12,550 Cr
CMP
₹51.45
52-wk High / Low
₹53 / 32
P/E
8.3
P/B
1.1
Book Value
₹45.1
Div Yield
0.94%
ROCE
6.4%
ROE
14.0%
Face Value
₹1
D/E
11.15

Price+55.6% over 1Y

āagman read

Computed by āagman
Derived from 6 years and 13 quarters of filings. Not reported by the company.
As of 16 Oct 2026
How we compute these
Piotroski F-Score
5
/ 9
5 of 9 F-score tests passed
Graham Number
₹75
√(22.5 × EPS × book value per share)
Cash flow to profit
2.68
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
12.9%
ROE × earnings retention ratio
ROE stability
4.7
pp σ
Standard deviation of ROE across periods. Lower = more stable
Cash-accrual divergence
−1.8%
of assets
Low = accruals track cash flow
Strengths
+Price trades above its 200-day moving average (1.2x)
+Price is within 10% of its 52-week high (-2.0%)
+PE of 8.3x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 6.4% trails the sector median of 9.4%

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
Sales2,0252,1292,1842,2752,3142,3552,3712,3732,3622,4072,5182,5592,628
Expenses8777778368288938528159811,021852862755897
Operating Profit—————————————
OPM %—————————————
Other Income361355452346422410409572622516486386380
Interest1,2171,2981,3651,4001,4491,4721,5011,5051,5301,5981,6371,6441,603
Depreciation0000000000000
Profit before tax292409435393394440463459433473504547508
Net Profit203275305287294325342342322352374407378
EPS (₹)0.771.051.171.101.121.241.311.311.231.341.431.561.44

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 6 years + TTM
Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales7,3056,5877,2338,6139,4139,84610,112
Expenses3,5493,2822,6273,2273,4403,3753,365
Operating Profit———————
OPM %———————
Other Income1,2291,0348111,5151,8132,0091,767
Interest4,8994,3474,2215,2815,9286,4096,482
Depreciation08487901021150
Profit before tax87−921,1081,5291,7571,9572,031
Net Profit62457751,0701,3031,4561,511
EPS (₹)0.240.172.964.094.985.565.77

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital—209209262262262—
Reserves—5,6456,4658,5659,84611,155—
Other Liabilities—1,7612,3792,7552,7243,072—
Total Liabilities—1,00,0521,07,6971,17,4121,24,6551,41,756—
Fixed Assets—7527548211,0181,043—
CWIP—5912414500—
Investments—21,44524,64123,97721,77727,327—
Other Assets—77,79682,17892,4691,01,8601,13,386—
Total Assets—1,00,0521,07,6971,17,4121,24,6551,41,756—
Deposits—89,14291,6501,01,9191,07,5221,23,341—
Borrowing—3,2946,9943,9124,3003,927—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity—5,165−7,2617,075−2,3533,907
Cash from Investing Activity—−1,741−386−1,9864,434−5,465
Cash from Financing Activity—−9893,524−2,148157−561
Net Cash Flow—2,436−4,1232,9422,238−2,119

Ratios

As of 31 Mar 2026
6 periods
Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %—————6.4
ROE %—1.012.014.014.014.0
EPS (₹)0.240.172.964.094.985.56
Book Value (₹)—————45.1
Face Value (₹)—————1
P/E—————8.3
Div Yield %—————0.94
NPM %0.70.69.610.611.612.3
OPM %——————
D/E—15.7914.7811.9911.0611.15
P/B—————1.1

Growth

As of 11 Oct 2026
Compounded sales growth
5 years+6.0%
3 years+11.0%
TTM+7.0%
Compounded profit growth
5 years+88.0%
3 years+23.0%
TTM+14.0%
Stock price CAGR
10 years+10.0%
5 years+38.0%
3 years+25.0%
Last year+40.0%
Return on equity
5 years12.0%
3 years14.0%
Last year14.0%

Shareholding pattern

Documents

As of 11 Oct 2026
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationCompliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Board Meeting Intimation for Intimation Under Regulation 29 Of The SEBI (LODR) Regulations, 2015Intimation Under Regulation 6(1) & 7(1) Of The SEBI (LODR) Regulations, 2015Business Updates For The Quarter Ended September 30, 2026
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 2026PPTJan 2026TranscriptJan 2026RecordingJan 2026PPTJan 2026RecordingOct 2025TranscriptOct 2025PPTOct 2025Recording

Corporate actions

As of 13 Aug 2026
13 Aug 2026DIVIDENDDividend - Re 0.45 Per Share—
13 Aug 2025DIVIDENDDividend - Rs 0.40 Per Share—
20 Aug 2024DIVIDENDAnnual General Meeting/Dividend - Rs 0.30 Per Share—
27 Feb 2024RIGHTSRights 1:4 @ Premium Rs 21/-—
17 Aug 2023DIVIDENDAnnual General Meeting/Dividend - Re 0.30 Per Share—
9 Jul 2019DIVIDEND Annual General Meeting/Dividend - Rs 0.25 Per Share—
3 Jul 2018DIVIDEND Annual General Meeting/Dividend Re 0.40 Per Share—
3 Jul 2017DIVIDEND Annual General Meeting/Dividend - 0.40 Per Share—
16 Feb 2017RIGHTS Rights 1:3 @ Premium Rs 13/- Per Share—
30 Jun 2016DIVIDEND Dividend - Re 0.50/- Per Share—
7 Jul 2015DIVIDENDAnnual General Meeting/Dividend - Re 0.60/- Per Share—
8 Jul 2014DIVIDENDAnnual General Meeting / Dividend - Re 0.80/- Per Share—
20 Jun 2013DIVIDENDAnnual General Meeting/Dividend Re 0.70 Per Equity Share—
20 Jun 2012DIVIDENDAnnual General Meeting/Dividend Re 0.60 Per Share—
7 Jul 2011DIVIDENDDividend-Re.0.50 Per Share—
23 Sep 2010SPLITFace Value Split From Rs.10/- To Re.1/-10 : 1
6 Jul 2010DIVIDENDDividend-Rs.4/- Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman