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The South Indian Bank Limited (SOUTHBANK.NS)
Thrissur, IN
The South Indian Bank Limited, an established financial institution in India, delivers a comprehensive array of banking products and services across the nation. Its operations are strategically divided into four primary segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. For individual clients, the bank offers a broad spectrum of services, including various deposit options such as savings, current, term, and unclaimed/inoperative accounts. Its lending solutions encompass personal, car, home, gold, educational, and property-backed loans. Notably, it also provides a unique one-time settlement scheme designed for micro and small enterprises. Investment opportunities are available through mutual funds. Beyond traditional banking, the bank provides diverse insurance products, covering life, health, and credit risks, alongside a range of general insurance policies for fire, liability, marine, motor, personal accident, and travel. The South Indian Bank further enhances its customer experience with extensive digital and value-added services. These include robust mobile and internet banking platforms, demat accounts, and online trading facilities. Clients benefit from a variety of card products (credit, debit, ATM cum shopping), money transfer services, and specialized programs like NETC FASTag, SIB Rewardz, and SIB e-Academia. Additional offerings span KYC certification for mutual fund investors, green pin, branch banking, FX-retail, sovereign gold bonds, pension systems, SIB Collect, PAN service agency, cash management, travel cards, direct debit, tax payment and savings investments, and safe deposit locker services. Furthermore, the bank actively distributes capital gain and tax-free bonds. Non-Resident Indian (NRI) customers are catered to with NRE and NRO rupee accounts, foreign currency deposit options, and portfolio investment schemes. For its business clientele, the bank supplies various current accounts, such as normal, premium, SIB Merchant Plus, and Trader Smart. Business financing extends to working capital, long-term, non-fund-based, supply chain, and SIB commercial vehicle loans, supplemented by international finance, mortgage, and general business loans. Merchant acquiring services are also a key part of its commercial solutions. As of March 31, 2022, The South Indian Bank Limited maintained a significant physical presence, boasting 935 branches and a network of 1270 ATMs/CRMs. The bank was founded in 1929 and has its headquarters located 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.18% | -3.33% | +3.25% | -1.26% | +3.22% | +4.44% | +56.82% | +167.16% | +310.88% | +167.51% | +3,101.60% |
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 | 3 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+5.6% Q1'26: +2.5% (vs Q1'25)
-
EPS growth+11.5% Q1'26: +18.3% (vs Q1'25)
-
FCF margin— Q1'26: -185.5% (vs Q1'25)
-
EBIT margin— Q1'26: +18.6% (vs Q1'25)
-
ROIC— Q1'26: +31.3% (vs Q1'25)
-
Share dilution+0.2% Q1'26: +0.5% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 1.80× (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 2012 actual |
Mar 2013 actual |
Mar 2014 actual |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 4 Rev. Ana. 4 EPS Ana. |
Mar 2027 3 Rev. Ana. 2 EPS Ana. |
Mar 2028 3 Rev. Ana. 3 EPS Ana. |
Mar 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
38.16B
est: 12.54B (+204.2%)
|
47.58B
est: 16.06B (+196.2%)
|
54.11B
est: 18.26B (+196.3%)
|
57.72B
est: 18.44B (+213.0%)
|
60.31B
est: 20.58B (+193.1%)
|
65.21B
est: 24.05B (+171.1%)
|
70.29B
est: 28.39B (+147.6%)
|
74.47B
est: 27.43B (+171.5%)
|
84.73B
est: 33.63B (+151.9%)
|
82.99B
est: 34.88B (+138.0%)
|
76.28B
est: 32.88B (+132.0%)
|
81.82B
est: 37.85B (+116.2%)
|
101.30B
est: 47.12B (+115.0%)
|
112.30B
est: 52.39B (+114.4%)
|
55.50B
55.08B – 55.99B
+5.9% YoY
|
60.69B
59.05B – 63.94B
+9.3% YoY
|
68.36B
65.57B – 72.91B
+12.7% YoY
|
78.06B
75.38B – 82.77B
+14.2% YoY
|
| EBITDA |
6.04B
est: 1.23B (+390.2%)
|
6.96B
est: 1.58B (+341.2%)
|
7.74B
est: 1.79B (+331.5%)
|
4.67B
est: 1.81B (+157.9%)
|
5.77B
est: 2.02B (+185.5%)
|
6.66B
est: 2.36B (+181.9%)
|
3.99B
est: 2.79B (+43.0%)
|
4.50B
est: 2.69B (+67.2%)
|
2.27B
est: 3.30B (-31.2%)
|
1.69B
est: 3.42B (-50.6%)
|
-82.03M
est: 3.23B (-102.5%)
|
11.96B
est: 3.72B (+221.8%)
|
16.19B
est: 15.43B (+5.0%)
|
18.59B
est: 17.15B (+8.4%)
|
18.17B
18.03B – 18.33B
+5.9% YoY
|
19.87B
19.33B – 20.93B
+9.3% YoY
|
22.38B
21.47B – 23.87B
+12.7% YoY
|
25.56B
24.68B – 27.10B
+14.2% YoY
|
| EBIT |
5.72B
est: 1.11B (+417.2%)
|
6.56B
est: 7.29B (-10.1%)
|
7.29B
est: 7.69B (-5.2%)
|
4.68B
est: 7.64B (-38.8%)
|
5.10B
est: 4.98B (+2.4%)
|
6.00B
est: 5.99B (+0.3%)
|
3.35B
est: 7.12B (-53.0%)
|
3.81B
est: 4.82B (-21.0%)
|
1.50B
est: 4.44B (-66.3%)
|
866.62M
est: 1.59B (-45.4%)
|
-922.23M
est: 1.73B (-153.4%)
|
11.09B
est: 1.92B (+477.8%)
|
15.29B
est: 15.06B (+1.5%)
|
17.57B
est: 16.72B (+5.1%)
|
17.73B
17.60B – 17.89B
+6.1% YoY
|
19.39B
18.87B – 20.43B
+9.3% YoY
|
21.85B
20.95B – 23.30B
+12.7% YoY
|
24.94B
24.09B – 26.45B
+14.2% YoY
|
| Net Income |
4.02B
est: 7.97B (-49.6%)
|
5.02B
est: 5.12B (-1.9%)
|
5.07B
est: 5.89B (-13.8%)
|
3.07B
est: 5.32B (-42.3%)
|
3.33B
est: 3.27B (+2.0%)
|
3.93B
est: 3.91B (+0.3%)
|
3.35B
est: 4.65B (-28.1%)
|
2.48B
est: 3.23B (-23.3%)
|
1.05B
est: 2.89B (-63.8%)
|
619.11M
est: 1.11B (-44.2%)
|
448.08M
est: 1.21B (-62.9%)
|
7.75B
est: 1.34B (+477.9%)
|
10.70B
est: 14.10B (-24.1%)
|
13.03B
est: 13.31B (-2.1%)
|
14.56B
13.90B – 14.69B
+9.3% YoY
|
16.32B
15.50B – 17.41B
+12.1% YoY
|
17.64B
16.67B – 19.35B
+8.1% YoY
|
20.57B
19.80B – 22.35B
+16.6% YoY
|
| SGA |
173.46M
est: 45.51M (+281.1%)
|
201.09M
est: 8.88B (-97.7%)
|
209.80M
est: 11.25B (-98.1%)
|
225.66M
est: 10.89B (-97.9%)
|
176.28M
est: 14.84B (-98.8%)
|
159.36M
est: 17.82B (-99.1%)
|
182.63M
est: 21.24B (-99.1%)
|
234.56M
est: 22.20B (-98.9%)
|
284.59M
est: 27.62B (-99.0%)
|
209.14M
est: 34.10B (-99.4%)
|
16.12B
est: 119.33M (+13,404.9%)
|
17.77B
est: 137.37M (+12,837.5%)
|
22.23B
est: 9.30B (+139.1%)
|
22.35B
est: 49.21B (-54.6%)
|
10.95B
10.87B – 11.05B
-77.8% YoY
|
11.97B
11.65B – 12.61B
+9.3% YoY
|
13.49B
12.94B – 14.38B
+12.7% YoY
|
15.40B
14.87B – 16.33B
+14.2% YoY
|
| EPS |
2.95
est: 3.05 (-3.2%)
|
3.35
est: 3.45 (-3.0%)
|
3.42
est: 3.60 (-4.9%)
|
2.06
est: 2.47 (-16.6%)
|
2.23
est: 2.24 (-0.3%)
|
2.61
est: 2.38 (+9.8%)
|
1.71
est: 1.73 (-1.3%)
|
1.37
est: 1.38 (-0.6%)
|
0.53
est: 0.55 (-3.9%)
|
0.32
est: 0.09 (+248.3%)
|
0.20
est: -1.19 (+116.7%)
|
3.40
est: 3.03 (+12.1%)
|
5.10
est: 5.28 (-3.5%)
|
4.98
est: 4.85 (+2.7%)
|
5.40
5.30 – 5.60
+11.3% YoY
|
6.30
5.91 – 6.64
+16.7% YoY
|
6.87
6.35 – 7.38
+9.0% YoY
|
7.90
7.55 – 8.52
+15.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-07 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-06 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-05 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-04 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-30 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-29 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-28 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-27 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-24 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-22 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
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
This company is not held by any ETF in our universe.
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 |
|---|---|---|---|
| Peruvemba Ramachandran Seshadri | MD, Chief Executive Officer & Director | 32M | male |
| Dolphy Jose | Whole-time Executive Director | 9M | male |
| Chithra H. | Senior GM & Chief Compliance Officer | 2M | female |
| Vinod Francis | Senior GM & Chief Financial Officer | 2M | male |
| Jimmy Mathew | Senior GM, Head of HR & Company Secretary | 2M | male |
| Sanchay Kumar Sinha | Chief GM & Head - Retail Assets | — | male |
| Shibu K. Thomas | GM & Head - IT Assurance | — | male |
| Sreekumar Chengath | GM & Head of Business Process Group | — | male |
| T. Mohan | GM & Head of Legal | — | male |
| Nandakumar G. | Senior GM, Head of Internal Audit & Chief of Internal Vigilance | — | male |
| Anto George T. | Executive VP & COO | — | male |
| Dhilip N. Kumar | Chief Manager & Deputy Nodal Officer of Secretarial Department | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for SOUTHBANK.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
