CENTRALBK
Central Bank of India (CENTRALBK) Stock Analysis
Central Bank of India is a public-sector bank with a nationwide presence. It provides retail, agricultural, and corporate banking services to customers across India. Government ownership and branch reach define its role in Indian banking. The bank is listed on Indian stock exchanges and is headquartered in India.
Financial Services › Banks - Regional
₹30.40
+0.66% 1W | -18.10% 52W
Market Cap
27.5k CR
P/E Ratio
6
52W High
₹40.9
52W Low
₹29.3
Div. Yield
3.33%
Beta
0.4
50 DMA
₹30.8
200 DMA
₹33.7
Profit Margin
27.8%
Inst. Own.
9.5%
📊 CONSOLIDATION
📊 CONSOLIDATION
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7,259 | 7,377 | 7,842 | 8,371 | 8,367 | 8,235 | 8,542 | 8,653 | 8,623 | 8,777 | 9,070 | 9,698 | 9,726 |
| Interest | 4,062 | 4,338 | 4,672 | 4,811 | 4,801 | 4,807 | 4,984 | 5,238 | 5,222 | 5,476 | 5,552 | 5,677 | 5,794 |
| Expenses | 3,118 | 3,534 | 3,377 | 3,561 | 3,920 | 3,500 | 3,373 | 3,968 | 3,381 | 3,328 | 3,853 | 3,573 | 3,129 |
| Financing Profit | 79 | -495 | -207 | -1 | -354 | -71 | 185 | -553 | 21 | -28 | -335 | 448 | 803 |
| Financing Margin % | 1% | -7% | -3% | -0% | -4% | -1% | 2% | -6% | 0% | -0% | -4% | 5% | 8% |
| Other Income | 959 | 1,062 | 1,329 | 1,363 | 1,166 | 1,649 | 1,232 | 1,723 | 1,857 | 1,507 | 1,927 | 1,161 | 988 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1,038 | 567 | 1,122 | 1,363 | 812 | 1,578 | 1,418 | 1,171 | 1,878 | 1,479 | 1,592 | 1,609 | 1,791 |
| Tax % | 59% | -7% | 35% | 40% | -9% | 42% | 32% | 11% | 33% | 18% | 21% | 54% | 26% |
| Net Profit | 498 | 623 | 738 | 817 | 945 | 926 | 966 | 1,106 | 1,284 | 1,234 | 1,265 | 748 | 1,325 |
| EPS in Rs | 0.57 | 0.72 | 0.85 | 0.94 | 1.09 | 1.06 | 1.11 | 1.22 | 1.42 | 1.36 | 1.40 | 0.82 | 1.46 |
| Gross NPA % | 4.95% | 4.61% | 4.50% | 4.50% | 4.54% | 4.59% | 3.87% | 3.18% | 3.14% | 3.02% | 2.71% | 2.67% | 2.61% |
| Net NPA % | 1.75% | 1.64% | 1.28% | 1.24% | 0.75% | 0.70% | 0.61% | 0.56% | 0.50% | 0.49% | 0.46% | 0.50% | 0.51% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 26,476 | 25,988 | 24,775 | 24,163 | 22,749 | 23,676 | 22,830 | 22,903 | 25,657 | 30,849 | 33,797 | 36,168 | 37,270 |
| Interest | 19,200 | 18,889 | 18,166 | 17,603 | 15,935 | 16,005 | 14,543 | 13,361 | 13,905 | 17,882 | 19,830 | 21,926 | 22,498 |
| Expenses | 8,620 | 11,529 | 12,744 | 14,015 | 14,580 | 12,135 | 12,419 | 10,477 | 12,778 | 13,099 | 14,102 | 13,578 | 13,884 |
| Financing Profit | -1,344 | -4,430 | -6,136 | -7,455 | -7,766 | -4,464 | -4,133 | -934 | -1,026 | -133 | -134 | 664 | 888 |
| Financing Margin % | -5% | -17% | -25% | -31% | -34% | -19% | -18% | -4% | -4% | -0% | -0% | 2% | 2% |
| Other Income | 1,900 | 2,019 | 2,871 | 2,620 | 2,416 | 3,622 | 2,994 | 2,986 | 4,164 | 4,814 | 5,784 | 6,463 | 5,584 |
| Depreciation | 230 | 240 | 258 | 260 | 278 | 285 | 293 | 297 | 386 | 500 | 558 | 530 | 0 |
| Profit before tax | 327 | -2,651 | -3,523 | -5,096 | -5,628 | -1,127 | -1,431 | 1,755 | 2,752 | 4,181 | 5,092 | 6,597 | 6,472 |
| Tax % | -89% | -47% | -31% | 0% | 0% | 0% | -30% | 38% | 39% | 36% | 23% | 31% | |
| Net Profit | 670 | -1,392 | -2,457 | -5,134 | -5,611 | -1,252 | -995 | 1,083 | 1,688 | 2,677 | 3,943 | 4,531 | 4,571 |
| EPS in Rs | 4.02 | -8.26 | -12.93 | -19.63 | -13.88 | -2.20 | -1.70 | 1.24 | 1.93 | 3.07 | 4.35 | 5.00 | 5.04 |
| Dividend Payout % | 12% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 4% | 36% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 12.0% | 10.0% | 3.0% |
| Profit CAGR | 39.0% | 46.0% | 18.0% |
Shareholding Pattern
Promoters89.27%
FIIs0.97%
DIIs5.06%
Public4.70%
Promoters89.27%
FIIs0.88%
DIIs4.86%
Public4.98%
Promoters89.27%
FIIs0.85%
DIIs4.82%
Public5.06%
Promoters89.27%
FIIs0.75%
DIIs4.82%
Public5.16%
Promoters81.19%
FIIs0.93%
DIIs10.95%
Public6.93%
Promoters93.08%
FIIs0.19%
DIIs2.86%
Public3.85%
Promoters93.08%
FIIs0.17%
DIIs2.80%
Public3.95%
Promoters89.27%
FIIs1.27%
DIIs5.87%
Public3.59%
Promoters89.27%
FIIs0.75%
DIIs4.82%
Public5.16%
Promoters81.19%
FIIs0.93%
DIIs10.95%
Public6.93%
CENTRALBK
Holdings Analysis
Key strengths & risk signals
73
Overall
87
Fundamental
60
Technical
Risks (3)
WEAK POSITION! Current price (30.4) is below both moving averages.
WEAK YEAR! Stock declined 18.1% in the last year.
WEAK! Trading at 9.5% of 52W range - near yearly lows.
Strengths (4)
UNDERVALUED! PEG of 0.15 indicates stock is cheap relative to growth.
BULLISH SENTIMENT! In last 30 days: 13 up days, 16 down days. Avg volume on up days: 8,738,333 vs down days: 4,256,022. Ratio: 2.05x
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
NEUTRAL! RSI at 47.2 - balanced momentum.
Fundamental & Technical Analysis
73Overall
87Fundamental
60Technical
Fundamental Breakdown
Growth Quality
23/30
Revenue CAGR: 9.3% (MODERATE, 8/15). Profit CAGR: 39.2% (EXCELLENT, 15/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 27.8% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.15 indicates stock is cheap relative to growth.
Dividend Yield
7/10
GOOD DIVIDEND! 3.33% yield - decent income potential.
Debt to Equity
8/10
LOW DEBT! D/E of 0.35 - strong balance sheet.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 3.91% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (30.8) is below 200-day average (33.7) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (30.4) is below both moving averages.
Trend Pattern
10/20
Current trend: CONSOLIDATION
52W Performance
2/10
WEAK YEAR! Stock declined 18.1% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 13 up days, 16 down days. Avg volume on up days: 8,738,333 vs down days: 4,256,022. Ratio: 2.05x
RSI
3/5
NEUTRAL! RSI at 47.2 - balanced momentum.
52W Range
1/5
WEAK! Trading at 9.5% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 0.7% (1 week), -1.1% (1 month), -7.1% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
CENTRALBK
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-23 | Concall PDF | |
| Q2FY262026-01-22 | Concall PDF | |
| Q1FY262025-10-27 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CENTRALBK | ₹30.40 | 6 | 27.8% | 9.3% | 39.2% | -18.1% | 73 | CONSOLIDATION | +3.2% | +77.4% | -4.9% | -5.1% |
| BANDHANBNK | ₹172.00 | 20.5 | 13.6% | 5.0% | -17.7% | -3.4% | 56 | BREAKDOWN | +34.9% | -6.1% | +1.2% | -1.2% |
| UCOBANK | ₹23.60 | 10.5 | 21.5% | 7.8% | 14.9% | -24.5% | 63 | CONSOLIDATION | +8.1% | -18.1% | +2.2% | +11.7% |
| CUB | ₹234.50 | 16.6 | 37.8% | 9.1% | 12.3% | +44.8% | 77 | CONSOLIDATING UP | +25.1% | +6.4% | +22.4% | -1.2% |
| KARURVYSYA | ₹348.60 | 12.4 | 41.3% | 18.7% | 31.4% | +53.7% | 81 | APPROACHING RESISTANCE | +44.9% | +4.2% | +22.1% | -5.6% |
| IOB | ₹30.80 | 10 | 36.6% | 14.2% | 37.1% | -20.8% | 65 | BOUNCE FROM SUPPORT | +45.6% | +10.3% | +38.3% | +22.8% |
| RBLBANK | ₹388.10 | 28 | 11.1% | 12.2% | -1.5% | +43.4% | 53 | BREAKDOWN | +9.3% | -4.2% | +1.0% | -6.0% |
| BANKINDIA | ₹134.30 | 5.2 | 35.0% | 7.3% | 39.0% | +8.2% | 70 | APPROACHING SUPPORT | +80.5% | +7.0% | +14.4% | -5.1% |
Data from TradeAlone · Updated daily
CENTRALBK News
Central Bank of India (centralbk) Q1 FY27: Net Profit Up 13.26%, Global Business Grows 18.29%2026-07-17Central Bank of India (CENTRALBK) gains 6% intraday2026-06-18Central Bank of India (CENTRALBK) gains 6% intraday2026-06-17Central Bank of India (centralbk) Presents 4th Interim Dividend: ₹484.82 Crore Paid to Government2026-05-29
