Check Before You Invest : CSB Bank Ltd

Q: Which industry/sub-sector does CSB Bank Ltd belong to?

CSB Bank Ltd belongs to the BFSI sector, operating specifically within the Bank - Private segment.

Q: Is CSB Bank Ltd a good quality company?

CSB Bank Ltd is a average quality company, based on a somewhat consistent 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 CSB Bank Ltd undervalued or overvalued?

CSB Bank Ltd appears 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: -, Historic Median: 28.33. Price to Book, Current: -, Historic Median: 2.13. Price to Sales, Current: -, Historic Median: 3.69. EV to EBITDA, Current: -, Historic Median: 13.64

Q: Is CSB Bank Ltd a good buy now?

CSB Bank Ltd 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 CSB Bank Ltd?

CSB Bank Ltd Total Income growth is % for FY-, which is in line with its --year CAGR of N/A%, indicating stable growth.

Q: Does its ROIC exceed its WACC?

CSB Bank Ltd return on invested capital (ROIC) is % for FY-, is - than its estimated weighted average cost of capital (WACC) of %, indicating -.

Q: Total Asset growth of CSB Bank Ltd?

CSB Bank Ltd Total Asset growth is 22.45% for FY-, which is above its 0-year CAGR of 10.15%, indicating faster growth.

Q: Capital Adequacy ratio of CSB Bank Ltd?

CSB Bank Ltd Capital Adequacy ratio (CAR) is 22.46% for FY-, which is above the regulatory requirement of 12%, indicating strong capital position.

Q: AUM Growth of CSB Bank Ltd vs Industry Peers?

CSB Bank Ltd AUM CAGR is %, compared to the 0-year industry median CAGR of %, indicating stable growth and maintaining its market share.

Q: Profit metrics (NIM, PPOP, RoA) of CSB Bank Ltd vs industry peers

CSB Bank Ltd profit metrics are in line with the industry median level of 0%, indicating similar profitability compared to peers. Profit Metrics. NIM (%), Current: -, Industry Median: -. PPOP (%), Current: -, Industry Median: -. RoA (%), Current: -, Industry Median: -

Check Before You Invest : CSB Bank Ltd

BSE: 542867 NSE: CSBBANK ISIN: INE679A01013

| Sector: BFSI | Industry: Bank - Private

Snapshot

Q.1 Which industry/sub-sector does CSB Bank Ltd belong to?

CSB Bank Ltd belongs to the BFSI sector, operating specifically within the Bank - Private segment.

Q.2 Is CSB Bank Ltd a good quality company?

CSB Bank Ltd is a average quality company, based on a somewhat consistent 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 CSB Bank Ltd undervalued or overvalued?

CSB Bank Ltd appears 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	0-year Historic Median
Price to Earnings	-	28.33
Price to Book	-	2.13
Price to Sales	-	3.69
EV to EBITDA	-	13.64

Q.4 Is CSB Bank Ltd a good buy now?

CSB Bank Ltd 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 CSB Bank Ltd?

CSB Bank Ltd Total Income growth is % for FY-, which is in line with its --year CAGR of N/A%, indicating stable growth.

Q.2 Does its ROIC exceed its WACC?

CSB Bank Ltd return on invested capital (ROIC) is % for FY-, is - than its estimated weighted average cost of capital (WACC) of %, indicating -.

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

Q.3 Total Asset growth of CSB Bank Ltd?

CSB Bank Ltd Total Asset growth is 22.45% for FY-, which is above its 0-year CAGR of 10.15%, indicating faster growth.

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

Q.4 Capital Adequacy ratio of CSB Bank Ltd?

CSB Bank Ltd Capital Adequacy ratio (CAR) is 22.46% for FY-, which is above the regulatory requirement of 12%, indicating strong capital position.

Ownership & governance

D: Promoter shareholding and pledge status of CSB Bank Ltd?

Q.1 Promoter shareholding and pledge status of CSB Bank Ltd?

Promoters hold 40.00% of the CSB Bank Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does CSB Bank Ltd performance compare with that of its Peers?

Q.1 AUM Growth of CSB Bank Ltd vs Industry Peers?

CSB Bank Ltd AUM CAGR is %, compared to the 0-year industry median CAGR of %, indicating stable growth and maintaining its market share.

Q.2 Profit metrics (NIM, PPOP, RoA) of CSB Bank Ltd vs industry peers

CSB Bank Ltd profit metrics are in line with the industry median level of 0%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	0-year Industry Median
NIM (%)	-	-
PPOP (%)	-	-
RoA (%)	-	-

Q.3 Operating efficiency of CSB Bank Ltd vs industry peers?

CSB Bank Ltd Cost to Income () is in line with the industry median of (); while the current ROE (12.6) are above than the 5-year average Industry ROE (). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	0-year Industry Median
NIM (%)	-	-
PPOP (%)	-	-
RoA (%)	-	-
Cost to Income (%)	-	-
ROE (%)	-	-

Valuation & price assessment

Q.1 Stock return of CSB Bank Ltd over the last decade?

Over the last 5 years, the stock has delivered a CAGR of 2.72% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-	2.7%	7.8%	1.8%

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

Valuation Ratios	Current	0-year Historic Median	0-year Industry Median
Price to Earnings	-	28.33	-
Price to Book	-	2.13	-
Price to Sales	-	3.69	-
EV to EBITDA	-	13.64	-

Q.3 Valuation ratios of CSB Bank Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 0 is lower than its historical median of 2.13, indicating that the stock is trading below its historical average valuation.

Check more companies

1. Bandhan Bank

2. Karur Vysya Bank

3. RBL Bank

4. City Union Bank

5. J&K Bank

6. Tamilnad Mercantile

7. South Indian Bank

8. Ujjivan Small Fin

9. Karnataka Bank

10. Equitas Small Fin.

Check trending companies

1. Granules India Ltd.

2. Nestle India Ltd.

3. National Aluminium Company Ltd.

4. Muthoot Finance Ltd.

5. Motilal Oswal Financial Services Ltd.

Check Before You Invest : CSB Bank Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

Check more companies

Check trending companies

About MoneyWorks4Me

Our Vision

What Makes MoneyWorks4Me Different

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

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: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 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.