MarketFriction

Central Bank of India

NSE CENTRALBK · BSE 532885 · Public Sector Bank
₹30.00 -1.51%
NSE close2026-10-01
52 week range29.32 - 40.92
Market cap₹27,190 Cr.
P/E5.96
Nifty 500Smallcap 250Nifty PSU Bank Price band 20% Delivery 52.6%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Consolidated, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue7,3777,8428,3718,3678,2358,5428,6538,6238,7779,0709,6989,726
Interest4,3384,6724,8114,8014,8074,9845,2385,2225,4765,5525,6775,794
Expenses3,5343,3773,5613,9203,5003,3733,9683,3813,3283,8533,5733,129
Financing Profit-495-207-1-354-71185-55321-28-335448803
Financing Margin %-7%-3%-0%-4%-1%2%-6%0%-0%-4%5%8%
Other Income1,0621,3291,3631,1661,6491,2321,7231,8571,5071,9271,161988
Depreciation000000000000
Profit before tax5671,1221,3638121,5781,4181,1711,8781,4791,5921,6091,791
Tax %-7%35%40%-9%42%32%11%33%18%21%54%26%
Net Profit6237388179459269661,1061,2841,2341,2657481,325
EPS in Rs0.720.850.941.091.061.111.221.421.361.400.821.46
Gross NPA %4.61%4.50%4.50%4.54%4.59%3.87%3.18%3.14%3.02%2.71%2.67%2.61%
Net NPA %1.64%1.28%1.24%0.75%0.70%0.61%0.56%0.50%0.49%0.46%0.50%0.51%
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue25,98824,77524,16322,74923,67622,83022,90325,65730,84933,79736,16837,270
Interest18,88918,16617,60315,93516,00514,54313,36113,90517,88219,83021,92622,498
Expenses11,52912,74414,01514,58012,13512,41910,47712,77813,09914,10213,57813,884
Financing Profit-4,430-6,136-7,455-7,766-4,464-4,133-934-1,026-133-134664888
Financing Margin %-17%-25%-31%-34%-19%-18%-4%-4%-0%-0%2%2%
Other Income2,0192,8712,6202,4163,6222,9942,9864,1644,8145,7846,4635,584
Depreciation2402582602782852932973865005585300
Profit before tax-2,651-3,523-5,096-5,628-1,127-1,4311,7552,7524,1815,0926,5976,472
Tax %-47%-31%0%0%0%-30%38%39%36%23%31%
Net Profit-1,392-2,457-5,134-5,611-1,252-9951,0831,6882,6773,9434,5314,571
EPS in Rs-8.26-12.93-19.63-13.88-2.20-1.701.241.933.074.355.005.04
Dividend Payout %0%0%0%0%0%0%0%0%0%4%36%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth3%10%12%9%
Compounded Profit Growth18%46%39%8%
Stock Price CAGR-11%6%-16%-20%
Return on Equity-1%9%11%12%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital1,6581,6901,9022,6184,0475,7105,8768,6818,6818,6819,0519,051
Reserves16,07716,81816,30915,59215,34915,82720,62118,86820,53623,69327,83029,950
Deposits262,263266,686297,309295,354300,311314,201330,328343,165359,775385,541413,271468,444
Borrowing19,7779,5039,6236,0265,6406,0765,7607,6638,33420,01321,82031,854
Other Liabilities12,99111,9249,5517,7596,53815,3377,3908,9159,7549,8448,48511,780
Total Liabilities312,766306,621334,695327,349331,885357,151369,974387,292407,080447,772480,457551,079
Fixed Assets2,8434,3694,3004,3534,3204,3465,1424,9644,7865,3455,2145,202
CWIP000000000000
Investments89,92189,08792,277102,769125,453142,526148,518140,775136,569144,010141,652157,607
Other Assets220,001213,165238,118220,227202,112210,279216,315241,553265,725298,416333,591388,270
Total Assets312,766306,621334,695327,349331,885357,151369,974387,292407,080447,772480,457551,079
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity2,27428161,871-44,376-14,5101,726-2,00314,277-8,786-5,910-2,4602,804
Cash from Investing Activity-332-149-189-310-251-315-202-133-209-584-451-454
Cash from Financing Activity5105991,5435,1546,7963,3965,0550001,500-713
Net Cash Flow2,45273263,225-39,533-7,9654,8072,84914,143-8,995-6,494-1,4101,637
Free Cash Flow1,98913261,682-44,687-14,7611,411-2,20614,143-8,995-6,494-2,9102,350
CFO/OP18%9%514%-434%-180%16%-19%115%-68%-32%-17%14%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %4%-8%-13%-28%-30%-6%-4%4%6%9%11%12%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters93.08%93.08%93.08%93.08%93.08%93.08%89.27%89.27%89.27%89.27%89.27%81.19%
FIIs0.16%0.07%0.17%0.16%0.33%0.44%1.27%0.97%0.88%0.85%0.75%0.93%
DIIs2.84%2.79%2.80%2.81%2.81%2.82%5.87%5.06%4.86%4.82%4.82%10.95%
Public3.91%4.04%3.95%3.95%3.75%3.65%3.59%4.70%4.98%5.06%5.16%6.93%
No. of Shareholders5,03,8975,29,5916,43,5506,85,3946,67,4356,71,0066,79,1057,18,9287,21,2727,19,9397,14,5477,44,225

Fundamentals

Market Cap₹ 27,190 Cr.
Current Price₹ 30.0
Stock P/E5.96
Book Value₹ 45.2
ROCE5.64 %
ROE11.9 %
Dividend Yield3.99 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)9%
Compounded Profit Growth (TTM)8%
Consolidated figures.
Valuation
Market capRs 27,154 Cr
Enterprise valueRs 508,499 Cr
P/E (TTM)5.95x
Price to book0.70x
Price to sales0.73x
EV / EBITDA17.24x
EV / EBIT17.55x
EV / sales13.64x
Price to cash flow9.68x
Earnings yield16.81%
Dividend yield6.00%
P/E, 3-year average11.86x
P/B, 3-year average1.13x
P/E, 5-year average12.57x
P/B, 5-year average0.94x
Profitability
Operating margin (excl. other income)62.46%
Operating margin (incl. other income)80.33%
EBITDA margin79.15%
Pre-tax margin17.37%
Net profit margin12.25%
Net margin, latest quarter13.60%
ROE11.92%
ROCE5.64%
ROA0.88%
ROE, 3-year average10.65%
ROCE, 3-year average5.47%
ROA, 3-year average0.78%
ROE, 5-year average8.37%
ROCE, 5-year average4.96%
ROA, 5-year average0.61%
ROIC (approx.)3.82%
Tax rate31.32%
Other income / net worth16.57%
Growth
Sales growth (latest year)7.01%
Profit growth (latest year)14.99%
Sales CAGR, 3 years12.13%
Sales CAGR, 5 years9.64%
Profit CAGR, 3 years39.16%
Sales growth QoQ0.29%
Profit growth QoQ77.43%
Sales growth YoY (latest quarter)12.79%
Profit growth YoY (latest quarter)3.21%
Per share
EPS (TTM)Rs 5.04
EPS (latest year)Rs 5.00
EPS (latest quarter)Rs 1.46
EPS, 3-year averageRs 4.14
EPS, 5-year averageRs 3.12
Book value per shareRs 43.09
Sales per shareRs 41.18
Cash flow per shareRs 3.10
Free cash flow per shareRs 2.60
Dividend per share (latest year)Rs 1.80
Dividend per share, 3-year averageRs 0.99
Dividend per share, 5-year averageRs 0.99
Dividends
Dividend payout36.02%
Dividend payout, 3-year average20.17%
Dividend payout, 5-year average20.17%
Efficiency
Asset turnover0.07x
Fixed asset turnover6.95x
Leverage
Total debtRs 500,298 Cr
Cash and bankRs 18,953 Cr
Net debtRs 481,345 Cr
Debt to equity12.83x
Net debt / EBITDA16.32x
Interest coverage1.29x
Owners' fund to total sources7.08%
Debt to assets90.79%
Cash flow
Cash from Operating Activity (latest year)Rs 2,804 Cr
Cash from Investing Activity (latest year)Rs -454 Cr
Cash from Financing Activity (latest year)Rs -713 Cr
Net Cash Flow (latest year)Rs 1,637 Cr
Free cash flow (latest year)Rs 2,350 Cr
FCFE (approx.: FCF + change in debt)Rs 67,558 Cr
Cash from ops / profit, 5 years-0.01x
Sales to cash flow12.90x
Statement figures
Net sales (TTM)Rs 37,270 Cr
Net sales (latest year)Rs 36,168 Cr
Sales (latest quarter)Rs 9,726 Cr
Operating profit excl. other income (latest year)Rs 22,590 Cr
Operating profit (latest quarter)Rs 6,597 Cr
Other income (TTM)Rs 5,584 Cr
EBITDA (TTM)Rs 29,500 Cr
PBDT (TTM)Rs 7,002 Cr
Profit before tax (TTM)Rs 6,472 Cr
Tax (latest year)Rs 2,066 Cr
Net profit (TTM)Rs 4,565 Cr
Net profit (latest year)Rs 4,524 Cr
Net profit (latest quarter)Rs 1,323 Cr
Depreciation (TTM)Rs 530 Cr
Interest (TTM)Rs 22,498 Cr
Cost of goods sold (latest year)Rs 217 Cr
Total expenditure (latest year)Rs 13,578 Cr
Total income (latest year)Rs 42,630 Cr
Share capitalRs 9,051 Cr
ReservesRs 29,950 Cr
Shareholders' fundsRs 39,001 Cr
Total assetsRs 551,079 Cr
Net blockRs 5,202 Cr
InvestmentsRs 157,607 Cr
Other liabilitiesRs 11,780 Cr
Shares outstanding (crore)905.14
Ownership
Promoter holding81.19% (-8.08 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 6.0 is at the 2th percentile of its own 4.4-year range (median 16.9, low 5.8, high 36.3).
P/B 0.70 is at the 16th percentile (median 0.94).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodCENTRALBKNifty 50Difference
1 week-3.8%-2.8% -1.0 pts
1 month-1.0%-6.8% +5.8 pts
3 months-8.5%-7.6% -0.9 pts
6 months-4.5%+0.4% -5.0 pts
1 year-19.6%-9.9% -9.7 pts
2 years-51.3%-13.6% -37.7 pts
3 years-41.5%+14.2% -55.7 pts
5 years+34.8%+27.9% +6.9 pts
39 mutual fund schemes hold about ₹647 Cr. Over three months 1 bought more and 2 sold (share counts, price move removed).
FundWeightEst. Cr3m shares
ICICI Pru Value Fund0.47%279 +2%
ICICI Pru Aggressive Hybrid Fund(A0.20%104 -24%
ICICI Pru Banking & Fin Serv Fund0.87%99 -1%
ICICI Pru Banking & Fin Serv Fund0.87%98 -1%
ICICI Pru PSU Equity Fund1.07%20 +3%
ICICI Pru Housing Opp Fund0.51%14 -1%
Nippon India Nifty Smallcap 250 Index Fund0.23%8 -2%
Motilal Oswal BSE Enhanced Value Index Fund0.26%6 +2%
SBI Nifty Smallcap 250 Index Fund0.23%4 -2%
SBI BSE PSU Bank Index Fund0.94%3 +2%
Motilal Oswal Nifty Smallcap 250 Index Fund0.23%3 -2%
ICICI Pru Nifty Smallcap 250 Index Fund0.23%2 -2%
HDFC NIFTY Smallcap 250 Index Fund0.23%2 -2%
Nippon India Nifty 500 Equal Weight Index Fund0.19%1 +1%
JioBlackRock Nifty Smallcap 250 Index Fund0.23%1 -2%
Motilal Oswal Nifty 500 Index Fund0.03%1 -2%
Edelweiss Nifty Smallcap 250 Index Fund0.23%1 -3%
Groww Nifty Smallcap 250 Index Fund0.23%0 -2%
HDFC Nifty500 Multicap 50:25:25 Index Fund0.06%0 -1%
Bandhan Nifty Smallcap 250 Index Fund0.23%0 -2%
Kotak Nifty Smallcap 250 Index Fund0.23%0 -2%
SBI Nifty 500 Index Fund0.03%0 -2%
Kotak BSE PSU Index Fund0.14%0 +3%
Groww Nifty Total Market Index Fund0.03%0 -2%
Axis Nifty 500 Index Fund0.03%0 -2%

Red flags

F-score 5 of 8
explainWeak cash conversion Cash from operations was -50% of net profit over the last 3 years
explainLow interest cover Interest cover 1.3x in 2026
lookProfit leans on other income Other income was 98% of pre-tax profit in 2026
lookAuditor change Auditor change 2025-12-22: Central Bank of India has informed the Exchange regarding Change in Auditors of the company.
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Latest quarter

Jun 2026
Revenue ₹9,726 Cr +12.8% vs Jun 2025. Net profit ₹1,325 Cr +3.2%.

Activity

Compare
CompanyMcap (Cr)P/EROCE
State Bank of India890,49210.66.13 %
Punjab National Bank128,4345.816.13 %
Union Bank of India126,7186.146.30 %
Bank of Baroda117,7425.335.63 %
Canara Bank108,4035.466.52 %
Indian Bank107,1178.386.32 %
Bank of Maharashtra60,8868.086.03 %
Indian Overseas Bank59,59910.46.07 %
Bank of India59,2355.035.93 %
UCO Bank28,90410.35.55 %
Punjab & Sind Bank14,97910.85.95 %
No bulk or block deals on record.
Ex-dateActionFactor
2026-05-08Interim Dividend - Rs 0.60 Per Share
2026-01-23Interim Dividend - Re 0.20 Per Share
2025-10-27Interim Dividend - Re 0.20 Per Share
2025-07-25Interim Dividend - Re 0.20 Per Share
2025-07-04Dividend - Re 0.1875 Per Share
2024-07-09Annual General Meeting
2023-06-23Annual General Meeting
2022-08-04Annual General Meeting
2021-08-05 Annual General Meeting
2020-07-31 Annual General Meeting
2019-06-21 Annual General Meeting
2018-06-21 Annual General Meeting
2017-06-22 Annual General Meeting
2016-06-23 Annual General Meeting
2015-06-23Annual General Meeting/ Dividend - Re 0.50/- Per Share
2014-06-23Annual General Meeting
2013-06-20Annual General Meeting/Dividend Rs 2.50 Per Equity Share
2012-06-21Annual General Meeting/Dividend Rs 2 Per Share
2011-07-21Annual General Meeting And Dividend Rs.1.50 Per Share
2011-03-17Rights Issue - 3:5 @ Premium Rs.93/-
2010-11-09Interim Dividend - Re.1/- Per Share
2010-07-08Final Dividend-Re.1.20 Per Share
2009-11-19Int Div-Re.1/- Per Share
2009-07-27Agm/Div-Rs.2/- Per Share
2008-07-22Agm/Div-Rs.2 Per Share
DateTypeWhat it says
2026-09-30General UpdatesOutcome of Analyst/Investor meet held on 30.09.2026
2026-09-30Investor PresentationInvestor Presentation
2026-09-28General UpdatesOutcome of Analyst/Investor Meet held on 28th September, 2026.
2026-09-28General UpdatesDeferment of proposed Bank s Strike
2026-09-23Change in ManagementExtension of Tenure of Shri Mahendra Dohare, Executive Director of Bank
2026-09-22Concall / analyst meetSchedule of meet
2026-09-22Concall / analyst meetSchedule of meet
2026-09-10General UpdatesPress release on Launch of Bharat Connect for Business in partnership with NPCI Bharat Bill Pay Ltd. (NBBL).
2026-09-09General UpdatesGeneral Updates regarding Notice of Bank strike
2026-09-04AppointmentAppointment of Mr Jai Shankar Prasad as General Manager of the company w.e.f. September 04, 2026.
2026-08-29Change in ManagementVoluntary retirement of Shri Umesh Kumar Singh
2026-08-27General UpdatesAnalyst/Investor Meet held on 27th August, 2026.
2026-08-20General UpdatesAnalyst/Investor Meet held on 20th August, 2026
2026-08-04Credit Rating- RevisionCredit Rating- Revision
2026-08-01AppointmentAppointment of Mr Partha Sarathi K Naidu as General Manager of the company w.e.f. August 01, 2026.
2026-08-01Shareholder meetingVoting results.
2026-08-01AppointmentAppointment of Mr Rajesh Ranjan as Shareholder Director of the company w.e.f. August 01, 2026.
2026-07-31Shareholder meetingProceedings of Annual General Meeting held on July 31, 2026
2026-07-31CessationCessation of Mr SHISHRAM TUNDWAL as General Manager of the company w.e.f. July 31, 2026.
2026-07-28General UpdatesAnalyst/Investor Meet held on 28th July, 2026.
2026-07-23Concall / analyst meetTranscript
2026-07-21General UpdatesAnalyst/Investor Meet held on 21st July, 2026.
2026-07-17Concall / analyst meetLink of Recording
2026-07-17General UpdatesElection of One Shareholder Director- Fit and Proper status
2026-07-17Press ReleaseA press release dated July 17, 2026, titled "Press Release on Performance of the Bank for the First quarter and Three months ended 30th June, 2026.".
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Order dateForumCase
2021-07-27NCLTCentral Bank of India (Through RP Mr. Nitin Narang) Vs Mr. Sanjay kumar Yadav
2021-06-09NCLTCentral Bank of India Vs Moser Baer Solar Limited
2021-05-19NCLTCentral Bank of India Vs. NCML Industries Ltd Vs Central Bank of India Vs. NCML Industries Ltd
2021-04-14NCLTCentral Bank of India Vs. NCML Industries Ltd Vs Central Bank of India Vs. NCML Industries Ltd
2021-04-12NCLATMarkand Adhikari VS Central Bank of India
2021-03-26NCLATHemanshu Jamnadas Domadia VS Central Bank of India & Anr
Orders from NCLT, NCLAT and CESTAT naming the company. Click a row for the order.
Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of Central Bank of India?

Central Bank of India (CENTRALBK) has a market capitalisation of Rs 27,190 Cr. at the 2026-10-01 close.

What is the P/E ratio of Central Bank of India?

Central Bank of India trades at a P/E of 5.96 on trailing twelve-month profit, at the 2026-10-01 close.

What were Central Bank of India's latest quarterly results?

In the Jun 2026 quarter, Central Bank of India revenue was Rs 9,726 Cr (+12.8% vs Jun 2025) and net profit was Rs 1,325 Cr.

What is the 52-week high and low of Central Bank of India?

The 52-week high is Rs 40.92 and the 52-week low is Rs 29.32.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03