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CSB Bank Limited (CSBBANK.NS)

INR365.70 +9.10 (+2.55%)
IN NSE Financial Services Banks - Regional
Address CSB Bhavan 680020
Thrissur, IN
CEO Pralay Mondal
Website csb.co.in
IPO 2019-12-04
ISIN INE679A01013

Explore sections of this company profile

Also trades on Bombay Stock Exchange · CSBBANK.BO (INR) National Stock Exchange of India · CSBBANK.NS (INR)
Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR365.70 +9.10 (+2.55%)
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Volume Profile
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Liquidity & share structure
Average Volume
591.7K
Beta
0.24
Float Shares
97.87M
Free Float %
56.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.33% -8.22% -14.98% -14.76% -19.19% -25.02% -3.65% +18.22% +24.89% +14.73% +14.73%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
365.70
DCF (Unlevered) 647.22 +77.0%

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.

Ratings Trend (MoM) 67% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 2 0
Hold 0 0
Sell 0 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.30
Distress
Piotroski F-Score
2 / 9
Weak
Composite Rating
D+
Overall Score
1 / 5
Low
DCF Score
1 / 5
Low
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
★ Strong MOAT
  • 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)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* 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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.31) × ERP
WACC = 48% × Ke + 52% × Kd (38.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 881.25 Current price: 365.70
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
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
Historical Ratings (3M)
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

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-11.45B
OE per share TTM
-66.00
Owner's Yield
-17.10%
Maintenance CapEx ratio
27.89%
Maint CapEx / Avg PPE
12.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 2 ETFs in our universe
# 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

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.08M
Shares Outstanding
173.49M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
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
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits