CSBBANK
CSB Bank Limited (CSBBANK) Stock Analysis
CSB Bank Limited is a private-sector Indian bank with roots in Kerala. It offers retail, SME, and gold loans through a growing branch and digital network. Recent expansion and CASA growth support its transformation story in India. The bank is listed on Indian stock exchanges and operates from India.
Financial Services › Banks - Regional
₹308.90
+2.85% 1W | -20.50% 52W
Market Cap
5.2k CR
P/E Ratio
8.1
52W High
₹574.4
52W Low
₹295
Div. Yield
0%
Beta
0.3
50 DMA
₹321
200 DMA
₹365.8
Profit Margin
24.1%
Inst. Own.
18.4%
🔥 APPROACHING RESISTANCE
🔥 APPROACHING RESISTANCE
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 | 683 | 687 | 762 | 795 | 832 | 865 | 919 | 981 | 1,041 | 1,109 | 1,154 | 1,201 | 1,287 |
| Interest | 319 | 344 | 379 | 409 | 470 | 497 | 544 | 610 | 662 | 686 | 701 | 737 | 809 |
| Expenses | 307 | 308 | 308 | 376 | 381 | 380 | 391 | 496 | 465 | 557 | 524 | 500 | 506 |
| Financing Profit | 57 | 35 | 75 | 10 | -19 | -13 | -15 | -125 | -85 | -134 | -71 | -36 | -27 |
| Financing Margin % | 8% | 5% | 10% | 1% | -2% | -2% | -2% | -13% | -8% | -12% | -6% | -3% | -2% |
| Other Income | 120 | 143 | 125 | 197 | 172 | 199 | 219 | 381 | 245 | 349 | 276 | 306 | 229 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 177 | 178 | 200 | 206 | 152 | 186 | 204 | 257 | 160 | 216 | 205 | 271 | 202 |
| Tax % | 25% | 25% | 25% | 27% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% |
| Net Profit | 132 | 133 | 150 | 151 | 113 | 138 | 152 | 190 | 119 | 160 | 153 | 202 | 150 |
| EPS in Rs | 7.62 | 7.68 | 8.64 | 8.73 | 6.53 | 7.98 | 8.74 | 10.98 | 6.84 | 9.24 | 8.80 | 11.62 | 8.65 |
| Gross NPA % | 1.27% | 1.27% | 1.22% | 1.47% | 1.69% | 1.68% | 1.58% | 1.57% | 1.84% | 1.81% | 1.96% | 1.66% | 1.75% |
| Net NPA % | 0.32% | 0.33% | 0.31% | 0.51% | 0.68% | 0.69% | 0.64% | 0.52% | 0.66% | 0.52% | 0.67% | 0.40% | 0.39% |
| 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 | 1,545 | 1,483 | 1,336 | 1,297 | 1,348 | 1,510 | 1,872 | 2,038 | 2,320 | 2,928 | 3,597 | 4,505 | 4,752 |
| Interest | 1,189 | 1,159 | 1,023 | 912 | 908 | 918 | 931 | 885 | 986 | 1,451 | 2,121 | 2,785 | 2,932 |
| Expenses | 555 | 643 | 589 | 644 | 859 | 656 | 911 | 748 | 873 | 1,244 | 1,572 | 1,938 | 2,087 |
| Financing Profit | -199 | -319 | -275 | -259 | -419 | -64 | 30 | 405 | 461 | 233 | -96 | -218 | -267 |
| Financing Margin % | -13% | -22% | -21% | -20% | -31% | -4% | 2% | 20% | 20% | 8% | -3% | -5% | -6% |
| Other Income | 127 | 105 | 281 | 125 | 136 | 222 | 303 | 247 | 316 | 584 | 972 | 1,177 | 1,161 |
| Depreciation | 11 | 14 | 15 | 16 | 17 | 24 | 41 | 38 | 43 | 56 | 76 | 107 | 0 |
| Profit before tax | -82 | -228 | -9 | -149 | -300 | 134 | 293 | 614 | 734 | 761 | 800 | 851 | 893 |
| Tax % | -35% | -34% | -117% | -35% | -34% | 90% | 25% | 25% | 25% | 26% | 26% | 26% | |
| Net Profit | -53 | -150 | 2 | -97 | -197 | 13 | 218 | 458 | 547 | 567 | 594 | 633 | 665 |
| EPS in Rs | -8.81 | -20.88 | 0.19 | -12.04 | -22.98 | 0.73 | 12.59 | 26.43 | 31.55 | 32.67 | 34.23 | 36.50 | 38.31 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 25.0% | 19.0% | 12.0% |
| Profit CAGR | 5.0% | 24.0% | 20.0% |
Shareholding Pattern
Promoters40.00%
FIIs15.37%
DIIs14.63%
Public27.62%
Promoters40.00%
FIIs14.23%
DIIs16.10%
Public27.29%
Promoters40.00%
FIIs14.16%
DIIs15.64%
Public27.86%
Promoters40.00%
FIIs12.84%
DIIs15.22%
Public29.63%
Promoters40.00%
FIIs12.63%
DIIs15.07%
Public30.11%
Promoters49.72%
FIIs5.73%
DIIs11.61%
Public30.07%
Promoters49.72%
FIIs4.93%
DIIs15.94%
Public26.80%
Promoters40.00%
FIIs13.07%
DIIs16.89%
Public27.65%
Promoters40.00%
FIIs12.84%
DIIs15.22%
Public29.63%
Promoters40.00%
FIIs12.63%
DIIs15.07%
Public30.11%
CSBBANK
Holdings Analysis
Key strengths & risk signals
66
Overall
73
Fundamental
60
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
POOR YEAR! Stock declined 20.3% in the last year.
WEAK POSITION! Current price (311.1) is below both moving averages.
WEAK! Trading at 5.8% of 52W range - near yearly lows.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BULLISH SENTIMENT! In last 30 days: 10 up days, 20 down days. Avg volume on up days: 1,268,898 vs down days: 539,993. Ratio: 2.35x
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
NEUTRAL! RSI at 46.0 - balanced momentum.
Fundamental & Technical Analysis
66Overall
73Fundamental
59Technical
Fundamental Breakdown
Growth Quality
20/30
Revenue CAGR: 20.6% (EXCELLENT, 15/15). Profit CAGR: 5.0% (SLOW, 5/15).
Profit Margin
8/10
EXCELLENT EFFICIENCY! 24.1% profit margin - company keeps strong profits.
PEG Valuation
8/10
FAIRLY VALUED! PEG of 1.62 indicates reasonable valuation.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 29.32% public ownership - balanced ownership structure.
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 (321.0) is below 200-day average (365.8) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (308.9) is below both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
1/10
POOR YEAR! Stock declined 20.5% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 10 up days, 20 down days. Avg volume on up days: 1,268,898 vs down days: 543,985. Ratio: 2.33x
RSI
3/5
NEUTRAL! RSI at 44.6 - balanced momentum.
52W Range
1/5
WEAK! Trading at 5.0% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 2.9% (1 week), -6.0% (1 month), -16.2% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
CSBBANK
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-29 | Concall PDF | |
| Q3FY262026-02-03 | Concall PDF | |
| Q2FY262025-11-13 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CSBBANK | ₹308.90 | 8.1 | 24.1% | 20.6% | 5.0% | -20.5% | 66 | APPROACHING RESISTANCE | +26.5% | -25.6% | +13.3% | -8.2% |
| JSFB | ₹490.60 | 13.7 | 12.9% | 14.8% | 8.4% | +6.6% | 61 | CONSOLIDATING DOWN | +52.3% | +11.0% | +18.5% | +0.8% |
| DCBBANK | ₹209.80 | 8.6 | 25.3% | 15.9% | 16.3% | +63.4% | 78 | APPROACHING SUPPORT | +35.5% | +3.7% | +7.8% | +1.6% |
| EQUITASBNK | ₹70.40 | 15.8 | 10.9% | 12.1% | -43.6% | +23.7% | 54 | APPROACHING RESISTANCE | -182.0% | -13.7% | +19.2% | +3.3% |
| UJJIVANSFB | ₹63.20 | 13.8 | 19.6% | 14.3% | -14.3% | +31.7% | 66 | BREAKOUT | +206.7% | +12.2% | +30.6% | +3.1% |
| KTKBANK | ₹329.90 | 8.7 | 41.5% | 2.7% | 3.6% | +95.0% | 65 | APPROACHING SUPPORT | +43.3% | +2.7% | +16.1% | +4.2% |
| SOUTHBANK | ₹51.50 | 8.5 | 29.9% | 9.5% | 23.4% | +57.7% | 79 | APPROACHING RESISTANCE | +17.2% | -7.3% | -3.4% | +7.9% |
| TMB | ₹857.30 | 9.4 | 41.2% | 7.7% | 9.1% | +96.8% | 72 | BREAKDOWN | +35.0% | +10.1% | +23.8% | +6.0% |
Data from TradeAlone · Updated daily
CSBBANK News
Csb Bank Limited Q1 FY27 Results: PAT Up 27%, Deposits Grow 26%2026-07-22CSB Bank Limited (NSE: CSBBANK) falls 6% intraday, consolidating down2026-07-22CSB Bank Limited (NSE: CSBBANK) breaks below support, falls 5%2026-06-25CSB Bank’s Strong Financial Results for Q4 FY 20262026-05-04CSB Bank Limited’s Q4 FY26 Performance: a Strong Year-over-Year Growth2026-05-04
