1. India Stocks

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    Finance

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    Major banks
CSB Bank Ltd.

CSB Bank Ltd.

305.80
INR
-3.25
(-1.05%)
38.31EPS
8.87P/E
58.96BMarket Cap
Oct 23Next Earn
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
40.15
31.47
61.38
51.02
71.74
80.68
95.09
118.79
141.13
166.94
171.79
Basic EPS, GAAP
-4.06
-8.89
-23.73
0.88
12.59
26.43
31.55
32.67
34.23
36.5
38.31
Free Cash Flow per Basic Share
26.45
0.31
-110.1
-80.16
75.94
-52.39
123.14
95.95
-320.24
-29.11
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
31.49
20.39
82.54
113.04
125.67
157.37
190.14
225.15
265.64
288.79
- -
Tangible Book Value per Share
30.92
19.7
81.66
113.04
125.67
157.37
190.14
225.15
265.64
288.79
- -
Basic Weighted Avg Shares
143
143
83
144
173
173
173
173
173
173
173
Sales/Revenue/Turnover
5,739
4,499
5,106
7,340
12,444
13,996
16,496
20,608
24,485
28,962
29,802
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
149
156
165
235
408
380
432
556
764
1,073
- -
Net Income, GAAP
-580
-1,271
-1,974
127
2,184
4,585
5,474
5,668
5,938
6,332
6,646
Effective Tax Rate (%)
- -
- -
- -
90.5
25.34
25.36
25.39
25.56
25.73
25.61
25.61
Profit Margin (%)
-10.1
-28.25
-38.66
1.73
17.55
32.76
33.18
27.5
24.25
21.86
22.3
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
418
418
155
115
5,499
18,315
7,830
17,574
52,463
71,544
- -
Total Equity
5,461
3,536
14,317
19,607
21,802
26,514
32,036
38,036
44,977
48,943
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
0.74
9.29
12.71
12.93
11.87
7.76
5.81
- -
Return on Common Equity (%)
- -
-28.25
-22.12
0.75
10.55
18.98
18.7
16.18
14.31
13.48
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
173
169
173
Market Capitalization
79,647
57,707
58,959

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
41,519
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

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
- -
18.47%
18.29%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
5,338
5,669
5,948
7,527
24,485
2026
6,241
7,728
7,297
7,704
28,962
2027
7,074
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6.53
7.98
8.74
10.98
34.23
2026
6.84
9.24
8.8
11.62
36.5
2027
8.65
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Pralay Mondal
Full Time Employees
8,187
Sector
Finance
Industry
Major banks
Address
CSB Bhavan Thrissur KE India 680020
IPO Date
Dec 4, 2019
Website
csb.co.in
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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.