Check Before You Invest : Central Bank Of India

Q: Which industry/sub-sector does Central Bank Of India belong to?

Central Bank Of India belongs to the BFSI sector, operating specifically within the Bank - Public segment.

Q: Is Central Bank Of India a good quality company?

Central Bank Of India is a weak quality company, based on a inconsistent multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is Central Bank Of India undervalued or overvalued?

Central Bank Of India appears Somewhat Undervalued, as its key valuation ratios are lower than their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 6.26, Historic Median: 14.58. Price to Book, Current: 0.77, Historic Median: 1.00. Price to Sales, Current: 0.76, Historic Median: 0.98. EV to EBITDA, Current: 4.89, Historic Median: 3.66

Q: Is Central Bank Of India a good buy now?

Central Bank Of India is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of Central Bank Of India?

Central Bank Of India Total Income growth is 7.72% for FY-2026, which is below its 5-year CAGR of 10.38%, indicating slower growth.

Q: Return on Assets of Central Bank Of India?

Central Bank Of India Return on Asset is 0.9%, which is above its 5-year historical median of 0.6%, indicating improved earnings on assets. Efficiency & Key Metrics. NIM (%), Current: 2.66, Historic Median: 3.02. PPOP (%), Current: 1.99, Historic Median: 10.53. RoA (%), Current: 0.9, Historic Median: 0.6

Q: Return on Equity (ROE) of Central Bank Of India?

Central Bank Of India Return on Equity is 13% for FY-2026, which is above its 5-year historical median of 9.5%, indicating the business is making better use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Central Bank Of India?

Central Bank Of India Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 1.99% for FY-2026, which is below its 5-year median(10.53%), indicating decreasing margins.

Q: Net Interest Margin of Central Bank Of India?

Central Bank Of India Net Interest Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 2.66% for FY-2026, which is below its 5-year median( 3.02%), indicating decreasing margins.

Q: Does its ROIC exceed its WACC?

Central Bank Of India return on invested capital (ROIC) is 30.72% for FY-2026, is higher than its estimated weighted average cost of capital (WACC) of 11.25%, indicating value creation.

Check Before You Invest : Central Bank Of India

BSE: 532885 NSE: CENTRALBK ISIN: INE483A01010

| Sector: BFSI | Industry: Bank - Public

Snapshot

Q.1 Which industry/sub-sector does Central Bank Of India belong to?

Central Bank Of India belongs to the BFSI sector, operating specifically within the Bank - Public segment.

Q.2 Is Central Bank Of India a good quality company?

Central Bank Of India is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Central Bank Of India undervalued or overvalued?

Central Bank Of India appears Somewhat Undervalued, as its key valuation ratios are lower than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	6.26	14.58
Price to Book	0.77	1.00
Price to Sales	0.76	0.98
EV to EBITDA	4.89	3.66

Q.4 Is Central Bank Of India a good buy now?

Central Bank Of India is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NIM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth and Cost-to-Income ratio.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Central Bank Of India?

Central Bank Of India Total Income growth is 7.72% for FY-2026, which is below its 5-year CAGR of 10.38%, indicating slower growth.

Q.2 Return on Assets of Central Bank Of India?

Central Bank Of India Return on Asset is 0.9%, which is above its 5-year historical median of 0.6%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NIM (%)	2.66	3.02
PPOP (%)	1.99	10.53
RoA (%)	0.9	0.6

Q.3 Return on Equity (ROE) of Central Bank Of India?

Central Bank Of India Return on Equity is 13% for FY-2026, which is above its 5-year historical median of 9.5%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Central Bank Of India?

Central Bank Of India Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 1.99% for FY-2026, which is below its 5-year median(10.53%), indicating decreasing margins.

Q.5 Net Interest Margin of Central Bank Of India?

Central Bank Of India Net Interest Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 2.66% for FY-2026, which is below its 5-year median( 3.02%), indicating decreasing margins.

Q.6 Does its ROIC exceed its WACC?

Central Bank Of India return on invested capital (ROIC) is 30.72% for FY-2026, is higher than its estimated weighted average cost of capital (WACC) of 11.25%, indicating value creation.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Central Bank Of India?

Central Bank Of India Total Asset growth is 14.68% for FY-2026, which is above its 5-year CAGR of 8.28%, indicating faster growth.

Q.8 Cost to Income ratio of Central Bank Of India?

Central Bank Of India Cost to Income ratio which represents the cost incurred for every Rs.100 earned is 58.6% for FY-2026, is in line with its historical 5-year median of 58.3%, indicating stable cost management.

C: How strong is the bank’s capital position and asset quality?

Q.9 Capital Adequacy ratio of Central Bank Of India?

Central Bank Of India Capital Adequacy ratio (CAR) is 17.9% for FY-2026, which is above the regulatory requirement of 12%, indicating strong capital position.

Q.10 Asset Quality of Central Bank Of India?

Central Bank Of India Gross Non-Performing Assets, which are loans overdue by more than 90 days, is 2.67% for FY-2026, which is below its 5-year median 4.5%, while Net Non-Performing Assets, which is GNPA minus provisions made for bad loans is 0.49% which is below its 5-year median( 1.23%), indicating improving asset quality.

Ownership & governance

D: Promoter shareholding and pledge status of Central Bank Of India?

Q.1 Promoter shareholding and pledge status of Central Bank Of India?

Promoters hold 81.19% of the Central Bank Of India, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Central Bank Of India performance compare with that of its Peers?

Q.1 AUM Growth of Central Bank Of India vs Industry Peers?

Central Bank Of India AUM CAGR is 8.28%, compared to the 5-year industry median CAGR of 9.34%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NIM, PPOP, RoA) of Central Bank Of India vs industry peers

Central Bank Of India profit metrics are in line with the industry median level of 3.85%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NIM (%)	2.66	2.67
PPOP (%)	1.99	8.18
RoA (%)	0.9	0.7

Q.3 Operating efficiency of Central Bank Of India vs industry peers?

Central Bank Of India Cost to Income (59.15) is in line with the industry median of (58.3); while the current ROE (9.5) are in line with than the 5-year average Industry ROE (9.5). This shows that the business is positioned in the middle quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NIM (%)	2.66	2.67
PPOP (%)	1.99	8.18
RoA (%)	0.9	0.7
Cost to Income (%)	58.6	58.3
ROE (%)	13	9.5

Valuation & price assessment

Q.1 Stock return of Central Bank Of India over the last decade?

Over the last 9 years, the stock has delivered a CAGR of -10.7% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-10.7%	8.2%	-1.6%	-12.8%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	6.26	14.58	10.61
Price to Book	0.77	1.00	1.12
Price to Sales	0.76	0.98	1.15
EV to EBITDA	4.89	3.66	5.06

Q.3 Valuation ratios of Central Bank Of India vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 0.77 is lower than its historical median of 1.00, indicating that the stock is trading below its historical average valuation.

Check more companies

1. UCO Bank

2. CentralBank of India

3. Punjab & Sind Bank

Check trending companies

1. 3M India Ltd.

2. Sonata Software Ltd.

3. Jupiter Wagons Ltd.

4. Affle 3i Ltd.

5. Bank Of India

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045

Compliance Officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com	Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com	Telephone: +919860919463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com	Telephone: +919175899463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Check Before You Invest : Central Bank Of India

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

Check more companies

Check trending companies

Create stable, long-term investment portfolio with strong, consistent stocks.

About MoneyWorks4Me

Our Vision

What Makes MoneyWorks4Me Different

Our Approach: Ensuring compounding work its magic on client portfolio.