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    Banks - Regional
CSB Bank Limited

CSB Bank Limited

CSBBANK.BO
CSB Bank LimitedIN flagBombay Stock Exchange
350.20
INR
-1.30
- -
60.88BMarket Cap
CSB Bank Limited
CSBBANK.BO
(Bombay Stock Exchange)

Recent

price

350.20

P/E

ratio

- -

div

yld

- -

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
40.15
31.47
61.38
51.02
71.74
80.68
95.09
118.79
141.13
- -
167
Revenue per Share
-4.06
-8.89
-23.73
0.88
12.59
26.43
31.55
32.67
34.23
- -
36.5
Basic EPS, GAAP
26.45
0.31
-110.1
-80.16
75.94
-52.39
123.14
95.95
-320.27
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
-16.8
-25.69
-51.45
-23.67
-19.37
-1.46
21.95
45.89
65.13
- -
10
Book Value per Share
37.52
23.91
170.27
136.29
125.69
152.83
184.66
219.25
259.27
- -
282.14
Tangible Book Value per Share
143
143
83
144
173
173
173
173
173
- -
173
Basic Weighted Avg Shares
5,739
4,499
5,106
7,340
12,444
13,996
16,496
20,608
24,482
28,969
28,969
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
149
156
165
235
408
380
432
556
764
1,073
- -
Depreciation Expense
-580
-1,271
-1,974
127
2,184
4,585
5,474
5,668
5,938
6,332
6,332
Net Income, GAAP
- -
- -
- -
90.5
25.34
25.36
25.39
25.56
25.73
25.61
25.61
Effective Tax Rate (%)
-10.1
-28.25
-38.66
1.73
17.55
32.76
33.18
27.5
24.25
21.86
21.86
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
418
418
155
115
5,499
18,315
7,830
17,574
52,463
71,544
71,544
LT Debt
5,461
3,536
14,317
19,607
21,802
26,514
32,036
38,036
44,977
48,943
48,943
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
96.32
61.66
97.16
97.16
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
169
- -
169
Market Capitalization
64,432
79,644
58,945

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
34,286
- -
40,968
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
17.65%
8.82%
Free Cash Flow
- -
-210.16%
-90.91%
Net Income, GAAP
- -
28.85%
6.63%
Sales/Revenue/Turnover
- -
18.48%
18.33%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,839
4,862
5,080
5,827
20,608
2025
5,338
5,669
5,948
7,527
24,482
2026
6,241
7,728
7,297
7,704
28,969

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.62
7.68
8.64
8.73
32.67
2025
6.53
7.98
8.74
10.98
34.23
2026
6.84
9.24
8.8
11.62
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
CSB Bank Limited (CSBBANK.BO) operates as a private sector bank in India, providing retail banking, corporate/wholesale banking, SME banking, treasury operations, and other financial services to small and medium enterprises, retail customers, and non-resident Indians. The bank offers savings accounts, current accounts, salary/payroll accounts, fixed and recurring deposits, family banking products; personal loans, gold loans, vehicle loans, home loans, educational loans, taxpayer liquidity schemes, medicash, and VIP car loans; life and general insurance products through partnerships with HDFC Life, Edelweiss Tokio, ICICI Prudential Life, and Reliance General Insurance; NRI services including NRO, NRE, FCNR, RFC accounts, inward remittances, forex rates, and correspondent banking; SME and corporate solutions such as term loans, working capital loans, export/import finance, letters of credit, buyer/supplier credits, commercial vehicle loans, bill discounting, cash credit, overdrafts, trade finance including packing credit, export bill collection, negotiation, and advance remittances; digital services encompassing net banking, mobile banking, e-passbook, bill payments, online transactions, and doorstep banking; as well as treasury activities focused on asset-liability management, statutory reserves, securities trading, foreign exchange, and liquidity management. Founded in 1920 and headquartered in Thrissur, Kerala, the bank maintains a network of over 785 branches and more than 746 ATMs across 16 states and union territories, with a strong presence in Kerala, Maharashtra, Tamil Nadu, and Karnataka, serving over 2 million customers. Backed by Fairfax India through FIH Mauritius Investments Ltd holding a significant stake since 2018, CSB Bank recently reports robust growth with gross advances up 32% year-on-year to ₹33,142 crore and deposits rising 20-22% in recent quarters driven by 36% expansion in gold loans; it received RBI approval in 2025 to establish its first overseas representative office in Dubai to enhance NRI deposit mobilization and retail services amid increasing bulk deposit reliance.