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    Banks - Regional
CSB Bank Limited

CSB Bank Limited

CSBBANK.NS
CSB Bank LimitedIN flagNational Stock Exchange of India
353.50
INR
+3.65
- -
61.33BMarket Cap
CSB Bank Limited
CSBBANK.NS
(National Stock Exchange of India)

Recent

price

353.50

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
64,441
79,636
59,066

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.NS) operates as a private sector bank in India, providing retail banking, corporate/wholesale banking, SME banking, and treasury services to individual, NRI, small and medium enterprise, and corporate customers. 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; life and general insurance products through partnerships with HDFC Life, Edelweiss Tokio, ICICI Prudential, and Reliance General Insurance; digital services including net banking, mobile banking, e-passbook, bill payments, and doorstep banking; NRI services such as NRO, NRE, FCNR, RFC accounts, inward remittances, and forex; SME and corporate services encompassing term loans, working capital loans, export/import finance, letters of credit, bill discounting, cash credit, overdraft, trade finance including packing credit and export bill negotiation; and agri/financial inclusion banking. Founded in 1920 and headquartered in Thrissur, Kerala, CSB Bank maintains a network of over 785 branches and 746 ATMs primarily across Kerala, Maharashtra, Tamil Nadu, Karnataka, and other regions in India, serving more than 2 million customers with a strong focus on semi-urban and rural centers alongside urban expansion. Recent developments include robust growth in Q3 FY25 with deposits up 22% to Rs 33,406 crore and loans up 26% to Rs 28,914 crore, driven by 36% expansion in gold loans to Rs 13,018 crore and 28% SME business growth in Q4 FY24; strategic push into Tier-1 cities, digital lending via mobile apps, and diversification from gold loans toward pan-India presence under Vision 2030; reappointment of Pralay Mondal as Managing Director & CEO in June 2025; and a majority stake acquisition by Fairfax India in 2018 enabling capital infusion and operational scaling.