Banks
High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Dividend: Dividend paying stock. Dividend yield of 2.12%.
Balance Sheet: Strong Balance Sheet.
Size: Market Cap wise it is among the top 20% companies of india.
Profitability: Recent profitability of 11% is a good sign.
Momentum: Stock has a weak negative price momentum.
Smart Money: Smart money is losing interest in the stock.
Technicals: SharesGuru indicator is Bearish.
Valuation | |
|---|---|
| Market Cap | 33.6 kCr |
| Price/Earnings (Trailing) | 9.04 |
| Price/Sales (Trailing) | 0.8 |
| EV/EBITDA | 1.22 |
| Price/Free Cashflow | -13.95 |
| MarketCap/EBT | 5.49 |
| Enterprise Value | 33.6 kCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 42.18 kCr |
| Rev. Growth (Yr) | 12.6% |
| Earnings (TTM) | 4.79 kCr |
| Earnings Growth (Yr) | 30.7% |
Profitability | |
|---|---|
| Operating Margin | 20% |
| EBT Margin | 15% |
| Return on Equity | 0.95% |
| Return on Assets | 0.95% |
| Free Cashflow Yield | -7.17% |
Growth & Returns | |
|---|---|
| Price Change 1W | -7.4% |
| Price Change 1M | -0.40% |
| Price Change 6M | 5.5% |
| Price Change 1Y | -16.3% |
| 3Y Cumulative Return | 11.3% |
| 5Y Cumulative Return | 16% |
| 7Y Cumulative Return | 1.7% |
| 10Y Cumulative Return | -5.8% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -450.77 Cr |
| Cash Flow from Operations (TTM) | -2.46 kCr |
| Cash Flow from Financing (TTM) | 1.5 kCr |
| Free Cash Flow (TTM) | -2.46 kCr |
| Free Cash Flow/Share (TTM) | -2.72 |
Balance Sheet | |
|---|---|
| Total Assets | 5.05 LCr |
| Shareholder Equity | 5.05 LCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.72 |
| Interest/Cashflow Ops | 0.88 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 0.79 |
| Dividend Yield | 2.12% |
| Shares Dilution (1Y) | 4.3% |
| Shares Dilution (3Y) | 4.3% |
High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Dividend: Dividend paying stock. Dividend yield of 2.12%.
Balance Sheet: Strong Balance Sheet.
Size: Market Cap wise it is among the top 20% companies of india.
Profitability: Recent profitability of 11% is a good sign.
Momentum: Stock has a weak negative price momentum.
Smart Money: Smart money is losing interest in the stock.
Technicals: SharesGuru indicator is Bearish.
Investor Care | |
|---|---|
| Dividend Yield | 2.12% |
| Dividend/Share (TTM) | 0.79 |
| Shares Dilution (1Y) | 4.3% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 48.17 |
| RSI (5d) | 5.41 |
| RSI (21d) | 52.2 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Sell |
| RSI Signal | Hold |
| RSI5 Signal | Buy |
| RSI21 Signal | Hold |
| SMA 5 Signal | Sell |
| SMA 10 Signal | Sell |
| SMA 20 Signal | Sell |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
Updated May 5, 2025
General • 04 Mar 2026 Approval of CCI for acquisition of additional equity stake in Generali Central Insurance Company Limited (GCICL) and Generali Central Life Insurance Company Limited (GCLICL). |
General • 27 Feb 2026 Distribution Agreement with M/s. CANARA ROBEO AMC Limited for its Mutual Funds Products. |
General • 27 Feb 2026 Distribution Agreement with M/s. ICICI PRUDENTIAL AMC LIMITED for its Mutual Funds Products. |
General • 21 Feb 2026 Distribution Agreement with M/s SBI Funds Management Limited for the distribution of its Mutual Fund Products. |
Strikes /Lockouts / Disturbances • 11 Feb 2026 Intimation of proposed Bank''s Strike on 12.02.2026 |
General • 31 Jan 2026 Distribution Agreement with M/s HSBC Asset Management (India) Private Limited for its Mutual Funds Products. |
Strikes /Lockouts / Disturbances • 23 Jan 2026 Notice of proposed strike on 27.01.2026 |
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Summary of Central Bank of India's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Management provided an optimistic outlook for Central Bank of India, highlighting significant growth in various financial metrics for Q3 FY '26. Total business surged by 15.77% year-on-year to INR 7.74 lakh crore, with deposits increasing by 13.24% to INR 4.50 lakh crore. Gross advances rose by 19.48%, reaching INR 3,23,531 crore, with Retail, Agriculture, and MSME (RAM) loans expanding by 17.89% to INR 2,23,000 crore.
Net profit reached an all-time high of INR 1,263 crore, up 31.70% year-on-year. Key performance indicators show improved asset quality with Gross NPA decreasing by 116 basis points to 2.70%, and Net NPA improving to 0.45%. The Return on Assets (ROA) stands at 1.01%, while Return on Equity (ROE) is noted at 14.47%. The Capital Adequacy Ratio is reported at 16.13%.
Management emphasized achieving all market guidance parameters except for CASA ratio and cost-to-income ratio, which they aim to improve in the coming quarters. The plan includes a CASA mobilization campaign called "Aagaz," targeting an INR 20,000 crore increase. They expect average credit growth to stay robust beyond the initial target of 15%-16% due to proactive measures and increased operational efficiency.
In terms of future performance, they aspire to a credit book of INR 3,40,000 crore and maintain a CD ratio of approximately 73%-74%. Management is confident that the net interest margin will remain stable at or above 3% despite ongoing pressures from rate cuts, positioning Central Bank of India for a strong trajectory in the coming quarters.
Here are the major questions asked during the Q&A session of the earnings transcript along with detailed answers:
Question: "Can we take it that the credit growth for the whole of FY '26 will be robust and beyond the advance credit target of 15%-16%?" Answer: "Ajmera ji, I assure you that our credit growth strategy is strong. The quarter saw a 19.48% growth, and we're confident in achieving our target of over INR 1,13,000 crore in advances. We have a structured approach for retail and corporate segments that has been effective, leading to increased disbursements."
Question: "What is the reason for the higher provision this quarter, and should we expect the same next quarter?" Answer: "The increase in provisions was primarily to comply with regulatory guidelines. We made INR 375 crore for the proposed ECL transition and additional provisions due to DCCO extensions. We anticipate a need for continued provisions but are managing slippages effectively, keeping our credit cost contained."
Question: "What are the expected recoveries in Q4 of FY '26?" Answer: "In Q4, we expect recoveries and upgrades totaling INR 904 crore. Our focus on managing NPAs effectively has positioned us well to continue facilitating recoveries in this manner."
Question: "Do you foresee achieving CASA, NIM, and cost-to-income guidance in Q4?" Answer: "Achieving these targets may take time due to pressure on margins. We don't assure a return to below 50% in cost-to-income in the immediate term, but we are committed to monitoring and enhancing all efficiency metrics over time, likely spanning 2-3 years."
Question: "What is the target for the credit book and the overall corporate book?" Answer: "Our total credit target is INR 3,40,000 crore, and specifically for corporate credit, it's INR 1,25,000 crore. We are well on track to meet these targets based on current progress."
Question: "Can you share details about your CASA growth and what steps are being taken to enhance it?" Answer: "CASA growth has been a priority, with our ratio improving to 47.13%. We launched the 'Aagaz' campaign targeting diverse customer segments to bolster our CASA mobilization further, leveraging our technology capabilities and branch network effectively."
Question: "Could you provide clarity on the current yield on advances and expectations for the upcoming quarter?" Answer: "Our yield on advances currently stands at 8.15%. We are confident in maintaining this rate, primarily driven by improving our loan book composition, as our CD ratio has risen to 72%. These strategies will help us manage yields despite rate cuts."
These summaries encapsulate the core elements of the asked questions and responses while ensuring clarity on the financial guidance provided.
Analysis of Central Bank of India's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Dec 31, 2025
| Description | Share | Value |
|---|---|---|
| Retail Banking Operations | 44.7% | 4.9 kCr |
| Treasury Operations | 31.0% | 3.4 kCr |
| Wholesale Banking Operations | 24.4% | 2.7 kCr |
| Total | 11 kCr |
Understand Central Bank of India ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| President of India | 89.27% |
| Body Corporate Limited Liablity Partnership | 0.01% |
| Independent Director | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
Detailed comparison of Central Bank of India against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| SBIN | State Bank Of India | 10.55 LCr | 7.08 LCr | +7.00% | +56.10% | 9.3 | 1.49 | - | - |
| BANKBARODA | Bank Of Baroda | 1.53 LCr | 1.57 LCr | +1.60% | +42.60% | 6.19 | 0.97 | - | - |
| UNIONBANK | Union Bank of India | 1.44 LCr | 1.31 LCr | +7.10% | +61.40% | 6.24 | 1.1 | - | - |
| PNB | Punjab National Bank | 1.37 LCr | 1.5 LCr | -3.50% | +31.10% | 7.47 | 0.91 | - | - |
| CANBK | Canara Bank | 1.32 LCr | 1.57 LCr | -1.00% | +71.00% | 5.99 | 0.84 | - | - |
Comprehensive comparison against sector averages
CENTRALBK metrics compared to Banks
| Category | CENTRALBK | Banks |
|---|---|---|
| PE | 9.04 | 10.24 |
| PS | 0.80 | 1.25 |
| Growth | 8.4 % | 8 % |
Central Bank of India is a prominent Public Sector Bank headquartered in Mumbai, India. It operates under the stock ticker CENTRALBK and has a significant market capitalization of Rs. 32,466.7 Crores. As a commercial bank, it provides a wide array of financial products and services.
The bank's offerings include:
Deposit Products:
Loans:
Additionally, Central Bank of India provides various services such as:
The bank also caters to corporate clients by offering:
Moreover, Central Bank of India is involved in selling and distributing a wide range of insurance products, including life, general, and health insurance, as well as protection and retirement solutions.
To enhance its services for MSME borrowers, the bank has a strategic co-lending partnership with IIFL Home Finance Limited to provide SME LAP loan products under the priority sector.
With a trailing 12-month revenue of Rs. 38,926.2 Crores, the bank has shown impressive revenue growth of 53.9% over the past three years.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
CENTRALBK vs Banks (2021 - 2026)