CSB Bank Limited (CSBBANK.NS)
Thrissur, IN
CSB Bank Limited is an Indian financial institution offering a broad spectrum of banking solutions to small and medium-sized businesses, individual retail clients, and non-resident Indian (NRI) customers. Its operations are structured across four main divisions: Treasury activities, Corporate and Wholesale Banking, Retail Banking services, and other core banking functions. The bank collects deposits through diverse offerings such as savings, non-resident (NR) accounts, term deposits (fixed and recurring), corporate salary accounts, and current accounts, alongside specialized products tailored for NRI clients. It also extends credit facilities including personal and business loans, such as those secured by gold jewelry, financing for two-wheelers and motor vehicles, home loans, loans secured by property with associated overdraft options, credit for small businesses, agricultural loans, and microfinance solutions. Beyond traditional banking, CSB Bank provides dematerialization (demat) services; financial solutions for other institutions like non-banking financial companies (NBFCs), banks, insurers, mutual funds, and brokers; cash management and trade financing; and a suite of digital banking options. Its treasury functions encompass statutory reserve management, asset-liability and liquidity management, investment and securities trading, and operations in money markets and foreign exchange. The bank also deals in sovereign debt instruments, commercial papers, mutual funds, certificates of deposits, bonds, and debentures, while offering remittance services, life and non-life insurance products, payment solutions, and debit cards. Furthermore, it delivers dedicated agricultural banking and corporate lending services. As of March 31, 2021, its physical network comprised 518 branches, including 3 dedicated service branches and 3 asset recovery branches, supplemented by 318 automated teller machines (ATMs). The institution, originally known as The Catholic Syrian Bank Limited, rebranded as CSB Bank Limited in June 2019. Established in 1920, CSB Bank Limited maintains its headquarters in Thrissur, India.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.33% | -8.22% | -14.98% | -14.76% | -19.19% | -25.02% | -3.65% | +18.22% | +24.89% | +14.73% | +14.73% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 1 | 0 |
-
Revenue growth+24.3% Q1'26: +10.6% (vs Q1'25)
-
EPS growth+6.6% Q1'26: +5.8% (vs Q1'25)
-
FCF margin— Q1'26: -86.7% (vs Q1'25)
-
EBIT margin— Q1'26: +18.0% (vs Q1'25)
-
ROIC— Q1'26: +10.2% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 6.61× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 1 Rev. Ana. 1 EPS Ana. |
Mar 2027 3 Rev. Ana. 2 EPS Ana. |
Mar 2028 3 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|
| Revenue |
21.75B
est: 13.33B (+63.3%)
|
22.85B
est: 14.00B (+63.2%)
|
26.35B
est: 16.50B (+59.7%)
|
35.12B
est: 20.21B (+73.8%)
|
45.69B
est: 23.56B (+93.9%)
|
29.51B
24.47B – 38.02B
+25.2% YoY
|
36.11B
29.89B – 47.58B
+22.4% YoY
|
45.72B
37.97B – 57.83B
+26.6% YoY
|
| EBITDA |
3.33B
est: 3.09B (+8.0%)
|
6.52B
est: 3.24B (+101.2%)
|
7.77B
est: 13.33B (-41.7%)
|
8.17B
est: 14.85B (-45.0%)
|
8.76B
est: 16.57B (-47.1%)
|
6.92B
5.74B – 8.92B
-58.2% YoY
|
8.47B
7.01B – 11.16B
+22.4% YoY
|
10.73B
8.91B – 13.57B
+26.6% YoY
|
| EBIT |
2.93B
est: 2.86B (+2.3%)
|
6.14B
est: 3.01B (+104.3%)
|
7.34B
est: 3.54B (+107.1%)
|
7.61B
est: 1.85B (+311.4%)
|
8.00B
est: 5.43B (+47.2%)
|
6.43B
5.33B – 8.28B
+18.3% YoY
|
7.86B
6.51B – 10.36B
+22.4% YoY
|
9.96B
8.27B – 12.59B
+26.6% YoY
|
| Net Income |
2.18B
est: 2.31B (-5.3%)
|
4.58B
est: 4.62B (-0.8%)
|
5.47B
est: 5.46B (+0.2%)
|
5.67B
est: 175.78M (+3,124.7%)
|
5.94B
est: 5.99B (-0.9%)
|
6.33B
4.87B – 8.60B
+5.7% YoY
|
8.09B
7.76B – 9.27B
+27.8% YoY
|
10.76B
9.45B – 13.39B
+33.0% YoY
|
| SGA |
49.32M
est: 34.52M (+42.9%)
|
58.80M
est: 36.27M (+62.1%)
|
78.47M
est: 8.43B (-99.1%)
|
98.86M
est: 9.39B (-98.9%)
|
106.05M
est: 872.07M (-87.8%)
|
1.03B
855.39M – 1.33B
+18.3% YoY
|
1.26B
1.04B – 1.66B
+22.4% YoY
|
1.60B
1.33B – 2.02B
+26.6% YoY
|
| EPS |
12.59
est: 13.30 (-5.3%)
|
26.43
est: 26.63 (-0.8%)
|
31.55
est: 31.50 (+0.2%)
|
32.67
est: 31.83 (+2.6%)
|
34.23
est: 32.73 (+4.6%)
|
36.04
28.04 – 49.55
+10.1% YoY
|
48.25
44.71 – 53.47
+33.9% YoY
|
63.25
54.49 – 77.19
+31.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-11 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-08 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-06 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-05 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-04 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-28 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-27 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-24 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-22 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-21 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-20 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-17 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-16 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P Emerging Markets Small Cap ETF EWX | 0.03% | 229.4K | 0.65% |
| 2 | WisdomTree India Earnings Fund EPI | 0.03% | 586.2K | 0.84% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Pralay Mondal | MD, Chief Executive Officer & Director | 35M | male |
| K. Divakara | Executive Director | 10M | male |
| K. Chandrasekhar | Head of Operations | — | male |
| Manish Agarwal | Chief Credit Officer | — | male |
| Narendra Kumar Dixit | Head of Retail Banking | — | male |
| Rajesh Choudhary | Chief Technology Officer | — | male |
| Satish Gundewar | Chief Financial Officer | — | male |
| Ajith Jose | Chief Compliance Officer | — | male |
| Shyam Chandher Mani | Head of SME & NRI Business | — | male |
| Chinmay Pradeep Adhikari | Chief Human Resources Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for CSBBANK.NS
Short-term intention
Target Price Distribution
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