C

CSB Bank Limited

CSBBANKNSE
Market snapshot · 2026-08-13 04:52 UTC

₹320.05

+₹0.85 (+0.27%)

MARKET CAP

₹5.42K Cr

STOCK P/E

8.4x

52W HIGH

₹574.40

52W LOW

₹315.00

BOOK VALUE

₹282.13

EPS

₹38.30

ROE

—

SECTOR

Financials

GROSS NPA

1.75%

VOLUME

1.04L

P/B RATIO

1.13x

NET NPA

0.39%

Sector

Financials

Themes

Private Banks
E
Earnings
₹505.70₹458.51₹411.33₹364.14₹316.95VolumeEEAug '25Sep '25Nov '25Jan '26Mar '26Apr '26Jun '26Aug '26

AI Summary

✦ Clartha

Valuation Metrics

Trading 10.7% below historical median. Valuation is stable — currently in the strongly undervalued zone (z-score: -0.94). Confidence: 88%.

Live forward EPS implies next-12-month EPS of ₹56.27. Applying the stock's normalized valuation corridor produces a fair range of ₹479.42 to ₹568.89, with base value near ₹526.69 (+64.6% vs current price).

Forward Valuation Outlook

Live forward estimate anchored to the company's historical valuation corridor.

Below normalized range

Forward EPS

₹56.27

Forward P/E

5.7x

Base Fair Value

₹526.69

Fair Range

₹479.42 - ₹568.89

Upside To Base

+64.6%

Estimate Source

Live forward EPS

Growth Estimate

+26.5%

P/B
Strongly Undervalued

5Y Average

1.38

Current

1.13

Overvalued

1.58

Undervalued

1.17

P/E
Strongly Undervalued

5Y Average

8.18

Current

8.36

Overvalued

10.11

Undervalued

8.52

P/S
Fair

5Y Average

1.92

Current

1.97

Overvalued

2.21

Undervalued

1.64

Peers & Comparison

Sector: Financials · Theme: Private Banks

Private Banks Peers8 peers
Avg P/E: 10.7x
CompanyRev. GrowthMarginP/Evs Avg52W Perf.
DCB BANK LIMITED
DCBBANKPrivate Banks
+17.4%25.3%
7.7x
Undervalued
-28% vs avg
+51.5%
J & K BANK LTD.
J&KBANKPrivate Banks
—34.2%
7.4x
Undervalued
-31% vs avg
+51.3%
TAMILNAD MERCA BANK LTD
TMBPrivate Banks
+18.3%41.2%
9.4x
Fair
-12% vs avg
+102.2%
THE SOUTH INDIAN BANK LTD
SOUTHBANKPrivate Banks
+8.6%29.4%
7.9x
Undervalued
-26% vs avg
+57.7%
KARNATAKA BANK LIMITED
KTKBANKPrivate Banks
+26.1%41.5%
8.2x
Undervalued
-23% vs avg
+77.6%
JANA SMALL FIN BANK LTD
JSFBPrivate Banks
+25.1%12.9%
15.3x
Premium
+43% vs avg
+14.1%
CITY UNION BANK LTD
CUBPrivate Banks
+23.3%37.8%
15.0x
Premium
+40% vs avg
+35.2%
UJJIVAN SMALL FINANC BANK
UJJIVANSFBPrivate Banks
+49.6%19.6%
15.0x
Premium
+40% vs avg
+64.2%
WHY THESE PEERS

CSB BANK LIMITED trades at a discount (8.2x vs peer avg 10.7x), suggesting potential undervaluation relative to the Private Banks cohort. Peers include DCB BANK LIMITED, J & K BANK LTD., TAMILNAD MERCA BANK LTD — selected based on business model, industry classification, market cap similarity, and business theme alignment.

Financials

Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.

Latest revenue

₹1.29K CrJun 2026

Latest net profit

₹150 CrJun 2026

Free cash flow

₹-502 CrMar 2026

Net Profit

₹150 CrProfit conversion

Performance

Bars show revenue and net profit. The line shows net margin.

Rs crore + margin %
Q1 '26Q2 '26Q3 '26Q4 '26Q1 '270.00 Cr350 Cr700 Cr1.05K Cr1.40K Cr
  • Revenue
  • Net income
  • Net margin %

Revenue to profit conversion

Bridge from operating numbers to profit for the latest reported period.

Rs crore
Total incomeInterestOtheradjustmentsProfitbefore taxTax &minorityNet Profit0.00 Cr350 Cr700 Cr1.05K Cr1.40K Cr

Latest reported period: Jun 2026

Debt level and coverage

Debt, cash and free cash flow compared on the same crore scale.

Rs crore
Debt free
Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-20.00K Cr0.00 Cr20.00K Cr40.00K Cr60.00K Cr
  • Free cash flow
  • Cash & equivalents

Results

MetricJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue +6836877627958328659199811,0411,1091,1541,2011,287
Interest319344379409470497544610662686701737809
Expenses +307308308376381380391496465557524500506
Financing Profit57357510-19-13-15-125-85-134-71-36-27
Financing Margin %8%5%10%1%-2%-2%-2%-13%-8%-12%-6%-3%-2%
Other Income +120143125197172199219381245349276306229
Depreciation0000000000000
Profit before tax177178200206152186204257160216205271202
Tax %25%25%25%27%26%26%26%26%26%26%26%26%26%
Net Profit +132133150151113138152190119160153202150
EPS in Rs7.627.688.648.736.537.988.7410.986.849.248.8011.628.65
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%
Raw PDF

All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).

Shareholding Pattern

HolderMar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters40.00%40.00%40.00%40.00%40.00%
FII13.07%15.37%14.23%14.16%12.84%
DII19.23%16.96%18.43%17.93%17.47%
Public17.47%17.57%17.57%18.06%19.16%
Others10.23%10.10%9.77%9.85%10.53%
Mar 2026
Promoters
FII
DII
Public
Others