CSB Bank Ltd (CSBBANK) share price, results

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

Standalone, Rs crore

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	687	762	795	832	865	919	981	1,041	1,109	1,154	1,201	1,287
Interest	344	379	409	470	497	544	610	662	686	701	737	809
Expenses	308	308	376	381	380	391	496	465	557	524	500	506
Financing Profit	35	75	10	-19	-13	-15	-125	-85	-134	-71	-36	-27
Financing Margin %	5%	10%	1%	-2%	-2%	-2%	-13%	-8%	-12%	-6%	-3%	-2%
Other Income	143	125	197	172	199	219	381	245	349	276	306	229
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	178	200	206	152	186	204	257	160	216	205	271	202
Tax %	25%	25%	27%	26%	26%	26%	26%	26%	26%	26%	26%	26%
Net Profit	133	150	151	113	138	152	190	119	160	153	202	150
EPS in Rs	7.68	8.64	8.73	6.53	7.98	8.74	10.98	6.84	9.24	8.80	11.62	8.65
Gross NPA %	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 %	0.33%	0.31%	0.51%	0.68%	0.69%	0.64%	0.52%	0.66%	0.52%	0.67%	0.40%	0.39%

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	1,483	1,336	1,297	1,348	1,510	1,872	2,038	2,320	2,928	3,597	4,505	4,752
Interest	1,159	1,023	912	908	918	931	885	986	1,451	2,121	2,785	2,932
Expenses	643	589	644	859	656	911	748	873	1,244	1,572	1,938	2,087
Financing Profit	-319	-275	-259	-419	-64	30	405	461	233	-96	-218	-267
Financing Margin %	-22%	-21%	-20%	-31%	-4%	2%	20%	20%	8%	-3%	-5%	-6%
Other Income	105	281	125	136	222	303	247	316	584	972	1,177	1,161
Depreciation	14	15	16	17	24	41	38	43	56	76	107	0
Profit before tax	-228	-9	-149	-300	134	293	614	734	761	800	851	893
Tax %	-34%	-117%	-35%	-34%	90%	25%	25%	25%	26%	26%	26%
Net Profit	-150	2	-97	-197	13	218	458	547	567	594	633	665
EPS in Rs	-20.88	0.19	-12.04	-22.98	0.73	12.59	26.43	31.55	32.67	34.23	36.50	38.31
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

	10 Years	5 Years	3 Years	TTM	1 Year	Last Year
Compounded Sales Growth	12%	19%	25%	25%
Compounded Profit Growth	20%	24%	5%	11%
Stock Price CAGR	%	0%	-2%		-14%
Return on Equity	11%	16%	15%			13%

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	60	72	81	81	86	174	174	174	174	174	174	174
Reserves	828	821	918	808	1,346	1,787	2,007	2,478	3,030	3,630	4,324	4,721
Deposits	14,474	14,438	14,912	14,691	15,124	15,791	19,140	20,188	24,506	29,719	36,861	44,246
Borrowing	45	42	42	42	0	794	1,426	2,007	783	1,757	5,546	7,154
Other Liabilities	351	279	271	249	356	319	591	509	670	776	931	1,432
Total Liabilities	15,760	15,652	16,223	15,870	16,911	18,864	23,337	25,356	29,162	36,056	47,836	57,727
Fixed Assets	175	215	215	216	218	253	269	288	319	406	450	708
CWIP	0	0	0	0	0	0	0	0	0	0	179	2
Investments	4,427	5,987	5,762	4,114	4,028	5,360	6,126	7,012	5,849	7,551	11,389	11,955
Other Assets	11,158	9,450	10,246	11,540	12,666	13,251	16,942	18,057	22,994	28,099	35,818	45,061
Total Assets	15,760	15,652	16,223	15,870	16,911	18,864	23,337	25,356	29,162	36,056	47,836	57,727

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-356	-166	395	27	-893	-1,109	1,374	-852	2,211	1,783	-5,256	-314
Cash from Investing Activity	-16	-13	-17	-18	-22	-235	-1,231	131	-724	-1,439	1,904	-790
Cash from Financing Activity	97	106	106	-5	674	1,310	632	581	-1,224	974	3,789	1,608
Net Cash Flow	-276	-72	485	4	-242	-34	775	-140	263	1,318	437	505
Free Cash Flow	-372	-178	378	9	-915	-1,153	1,318	-908	2,137	1,667	-5,555	-502
CFO/OP	-36%	-19%	53%	4%	-181%	-127%	142%	-58%	165%	119%	-249%	-3%

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	-7%	-17%	0%	-10%	-17%	1%	11%	19%	19%	16%	14%	13%

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	49.72%	49.72%	49.72%	40.00%	40.00%	40.00%	40.00%	40.00%	40.00%	40.00%	40.00%	40.00%
FIIs	4.65%	4.62%	4.93%	12.42%	12.71%	12.80%	13.07%	15.37%	14.23%	14.16%	12.84%	12.63%
DIIs	14.35%	16.07%	15.94%	18.71%	17.59%	17.06%	16.89%	14.63%	16.10%	15.64%	15.22%	15.07%
Public	28.43%	26.74%	26.80%	26.34%	27.18%	27.63%	27.65%	27.62%	27.29%	27.86%	29.63%	30.11%
Others	2.88%	2.86%	2.62%	2.54%	2.53%	2.52%	2.40%	2.39%	2.39%	2.35%	2.31%	2.20%
No. of Shareholders	55,529	62,958	63,497	67,004	76,579	78,654	78,236	65,044	64,754	63,067	65,328	67,652

Fundamentals

Market Cap₹ 5,469 Cr.

Current Price₹ 316

Stock P/E8.23

Book Value₹ 282

ROCE7.05 %

ROE13.5 %

Dividend Yield0.00 %

Face Value₹ 10.0

Compounded Sales Growth (TTM)25%

Compounded Profit Growth (TTM)11%

Standalone figures.

Valuation

Market capRs 5,293 Cr

Enterprise valueRs 52,677 Cr

P/E (TTM)7.96x

Price to book1.08x

Price to sales1.11x

EV / EBITDA13.39x

EV / EBIT13.77x

EV / sales11.09x

Earnings yield12.56%

P/E, 3-year average9.68x

P/B, 3-year average1.33x

P/E, 5-year average8.96x

P/B, 5-year average1.34x

Profitability

Operating margin (excl. other income)56.97%

Operating margin (incl. other income)83.09%

EBITDA margin82.77%

Pre-tax margin18.80%

Net profit margin13.99%

Net margin, latest quarter11.66%

ROE13.48%

ROCE7.05%

ROA1.20%

ROE, 3-year average14.66%

ROCE, 3-year average7.03%

ROA, 3-year average1.45%

ROE, 5-year average16.33%

ROCE, 5-year average6.77%

ROA, 5-year average1.65%

ROIC (approx.)5.44%

Tax rate25.61%

Other income / net worth24.04%

Growth

Sales growth (latest year)25.24%

Profit growth (latest year)6.63%

Sales CAGR, 3 years24.77%

Sales CAGR, 5 years19.20%

Profit CAGR, 3 years4.97%

Profit CAGR, 5 years23.72%

Sales growth QoQ7.20%

Profit growth QoQ-25.57%

Sales growth YoY (latest quarter)23.67%

Profit growth YoY (latest quarter)26.51%

Per share

EPS (TTM)Rs 38.27

EPS (latest year)Rs 36.46

EPS (latest quarter)Rs 8.64

EPS, 3-year averageRs 34.43

EPS, 5-year averageRs 32.24

Book value per shareRs 281.80

Sales per shareRs 273.58

Cash flow per shareRs -18.06

Free cash flow per shareRs -28.90

Efficiency

Asset turnover0.08x

Fixed asset turnover6.36x

Leverage

Total debtRs 51,400 Cr

Cash and bankRs 4,017 Cr

Net debtRs 47,384 Cr

Debt to equity10.50x

Net debt / EBITDA12.05x

Interest coverage1.30x

Owners' fund to total sources8.48%

Debt to assets89.04%

Cash flow

Cash from Operating Activity (latest year)Rs -314 Cr

Cash from Investing Activity (latest year)Rs -790 Cr

Cash from Financing Activity (latest year)Rs 1,608 Cr

Net Cash Flow (latest year)Rs 505 Cr

Free cash flow (latest year)Rs -502 Cr

FCFE (approx.: FCF + change in debt)Rs 8,491 Cr

Cash from ops / profit, 5 years-0.87x

Statement figures

Net sales (TTM)Rs 4,752 Cr

Net sales (latest year)Rs 4,505 Cr

Sales (latest quarter)Rs 1,287 Cr

Operating profit excl. other income (latest year)Rs 2,567 Cr

Operating profit (latest quarter)Rs 782 Cr

Other income (TTM)Rs 1,161 Cr

EBITDA (TTM)Rs 3,933 Cr

PBDT (TTM)Rs 1,001 Cr

Profit before tax (TTM)Rs 893 Cr

Tax (latest year)Rs 218 Cr

Net profit (TTM)Rs 665 Cr

Net profit (latest year)Rs 633 Cr

Net profit (latest quarter)Rs 150 Cr

Depreciation (TTM)Rs 107 Cr

Interest (TTM)Rs 2,932 Cr

Cost of goods sold (latest year)Rs 33 Cr

Total expenditure (latest year)Rs 1,938 Cr

Total income (latest year)Rs 5,682 Cr

Share capitalRs 174 Cr

ReservesRs 4,721 Cr

Shareholders' fundsRs 4,894 Cr

Total assetsRs 57,727 Cr

Net blockRs 708 Cr

Capital work in progressRs 2 Cr

InvestmentsRs 11,955 Cr

Other liabilitiesRs 1,432 Cr

Shares outstanding (crore)17.37

Ownership

Promoter holding40.00% (+0.00 in a year)

Computed by MarketFriction from the standalone statements. Returns use average balances.

P/E 8.0 is at the 3th percentile of its own 6.3-year range (median 10.8, low 7.3, high 352.6).

P/B 1.08 is the lowest in 6.9 years (median 1.66).

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.

Period	CSBBANK	Nifty 50	Difference
1 week	-8.7%	-2.8%	-5.9 pts
1 month	-10.1%	-6.8%	-3.3 pts
3 months	-13.5%	-7.6%	-5.9 pts
6 months	-10.5%	+0.4%	-10.9 pts
1 year	-15.0%	-9.9%	-5.1 pts
2 years	-5.5%	-13.6%	+8.0 pts
3 years	-9.4%	+14.2%	-23.6 pts
5 years	-1.9%	+27.9%	-29.8 pts

33 mutual fund schemes hold about ₹926 Cr. Over three months 28 bought more and 5 sold (share counts, price move removed).

Fund	Weight	Est. Cr	3m shares
SBI Small Cap Fund	0.89%	378	+10%
Bandhan Small Cap Fund	0.20%	69	+89%
ICICI Pru Multi Cap Fund	0.30%	58	+9%
ICICI Pru Multi Cap Fund	0.30%	56	+9%
DSP Small Cap Fund	0.24%	52	+6%
ICICI Pru Banking & Fin Serv Fund	0.42%	48	+24%
ICICI Pru Banking & Fin Serv Fund	0.42%	48	+24%
Sundaram Fin Serv Opp Fund	2.55%	44	+14%
Sundaram Small Cap Fund	1.03%	43	+9%
Sundaram Services Fund	0.79%	42	+9%
Sundaram Services Fund	0.79%	41	+9%
Motilal Oswal Nifty Microcap 250 Index Fund	0.36%	9	+9%
ITI ELSS Tax Saver Fund	1.44%	7	+14%
WOC Multi Cap Fund	0.14%	6	-15%
ICICI Pru Small Cap Fund	0.06%	6	+100%
ICICI Pru Small Cap Fund	0.06%	5	+100%
Quantum Small Cap Fund	1.66%	4	+7%
Sundaram LT Micro Cap Tax Adv Fund-Sr III-	3.35%	3	+17%
WOC Banking & Financial Services Fund	0.34%	2	-42%
Sundaram LT Micro Cap Tax Adv Fund-Sr VI-	3.49%	1	+17%
Sundaram LT Micro Cap Tax Adv Fund-Sr IV	3.37%	1	+17%
Sundaram LT Tax Adv Fund-Sr III	3.27%	1	+16%
Sundaram LT Micro Cap Tax Adv Fund-Sr V-	3.34%	1	+16%
WOC ELSS Tax Saver Fund	0.17%	1	-7%
Sundaram LT Tax Adv Fund-Sr IV	3.38%	1	+19%

Red flags

F-score 4 of 8

explain	Weak cash conversion Cash from operations was -211% of net profit over the last 3 years
explain	Low interest cover Interest cover 1.3x in 2026
look	Profit leans on other income Other income was 138% of pre-tax profit in 2026
look	Auditor change Auditor change 2026-08-21: CSB Bank Limited 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 ₹1,287 Cr +23.6% vs Jun 2025. Net profit ₹150 Cr +26.1%.

Against our estimate for Jun 2026: sales -0.3%, profit -16.1% miss. Our estimate for Sep 2026: sales Rs 1,364 Cr, profit Rs 189 Cr (how).

Activity

Compare

Company	Mcap (Cr)	P/E	ROCE
HDFC Bank Ltd	1,114,302	14.1	7.02 %
ICICI Bank Ltd	927,638	16.5	7.18 %
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Axis Bank Ltd	377,396	13.6	6.24 %
IDBI Bank Ltd	89,589	9.61	5.92 %
Federal Bank Ltd	79,173	16.9	6.39 %
IDFC First Bank Ltd	68,517	30.5	5.98 %
IndusInd Bank Ltd	68,409	51.7	5.68 %
Yes Bank Ltd	65,005	17.2	5.98 %
RBL Bank Ltd	62,376	71.2	5.77 %
Karur Vysya Bank Ltd	30,751	11.2	7.62 %
Bandhan Bank Ltd	29,856	22.1	6.41 %
City Union Bank Ltd	21,293	15.2	6.74 %
Jammu and Kashmir Bank Ltd	15,372	6.67	5.84 %
Tamilnad Mercantile Bank Ltd	13,674	9.47	7.51 %

No bulk or block deals on record.

Ex-date	Action	Factor
2024-08-16	Annual General Meeting
2023-08-01	Annual General Meeting
2022-09-19	Annual General Meeting
2021-08-04	Annual General Meeting
2020-07-10	Annual General Meeting

Date	Type	What it says
2026-10-01	Updates	Business Updates for the quarter ended September 30, 2026.
2026-09-25	Appointment	Appointment of Mr. Anish Thurthi (DIN: 08713000) as an Additional Director (Non-Executive Non-Independent) of the Bank.
2026-09-25	Board meeting outcome	Outcome of Board Meeting held on September 25, 2026.
2026-09-09	News clarification	The Exchange has sought clarification from CSB Bank Limited with respect to recent news item captioned Fairfax plans IIFL Finance exit to fund IDBI Ba...
2026-09-08	General Updates	Approval granted by Reserve Bank of India to ICICI Prudential Asset Management Company Limited to acquire aggregate holding of up to 9.95% of the pa...
2026-09-08	News clarification	The Exchange has sought clarification from CSB Bank Limited with respect to recent news item captioned Fairfax plans IIFL Finance exit to fund IDBI Ba...
2026-09-08	Concall / analyst meet	Analysts/Institutional Investor Meet/Con. Call Updates
2026-09-08	Concall / analyst meet	Analysts/Institutional Investor Meet/Con. Call Updates
2026-09-05	General Updates	Disclosure of ESG Rating Assigned to the Bank by Crisil ESG Ratings & Analytics Limited
2026-09-02	Director change	Change in Director(s) of the company.
2026-09-02	Concall / analyst meet	Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-24	Updates	Reconstitution of Committees of the Board.
2026-08-21	Change in Auditors	Change in Auditors of the company.
2026-08-21	Shareholder meeting	Proceedings of Annual General Meeting held on August 21, 2026. Further, the Bank has submitted the Exchange a copy of Srutinizers report along with vo...
2026-08-19	Concall / analyst meet	Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-14	Corrigendum	Corrigendum to Notice of Annual General Meeting to be held on August 21, 2026
2026-08-13	Credit Rating	Credit Rating
2026-08-10	ESOP	Transfer of equity shares from CSB ESOS Trust
2026-08-10	Concall / analyst meet	Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-07	Concall / analyst meet	Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-07	Concall / analyst meet	Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-06	ESOP	Transfer of equity shares from CSB ESOS Trust
2026-08-04	ESOP	Transfer of equity shares from CSB ESOS Trust
2026-07-29	Concall / analyst meet	Transcript of the earnings call Q1 of FY2027
2026-07-29	Concall / analyst meet	Analysts/Institutional Investor Meet/Con. Call Updates

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.

Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of CSB Bank Ltd?

CSB Bank Ltd (CSBBANK) has a market capitalisation of Rs 5,469 Cr. at the 2026-10-01 close.

What is the P/E ratio of CSB Bank Ltd?

CSB Bank Ltd trades at a P/E of 8.23 on trailing twelve-month profit, at the 2026-10-01 close.

What were CSB Bank Ltd's latest quarterly results?

In the Jun 2026 quarter, CSB Bank Ltd revenue was Rs 1,287 Cr (+23.6% vs Jun 2025) and net profit was Rs 150 Cr.

What is the 52-week high and low of CSB Bank Ltd?

The 52-week high is Rs 574.40 and the 52-week low is Rs 295.00.