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Central Bank Of India - Stock Valuation and Financial Performance

BSE: 532885 | NSE: CENTRALBK | Bank - Public | Mid Cap

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CentralBank of India Share Price

 ₹37.98 -0.13 -0.34%
as on 16-Jun'25 16:59

DeciZen - make an informed investing decision on CentralBank of India

Overall Rating ⓘ
Bole Toh

1. Quality

Not Good
Check detailed 10 Yrs performace

2. Valuation

Fair
Check 10 Yrs Valuation charts

3. Price Trend

Semi Strong
Check Price chart

Central Bank Of India stock performance -

PE Chart Key Ratios
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P/E Ratio (SA):
9.08
Market Cap:
34,377.2 Cr.
52-wk low:
32.8
52-wk high:
67.7

Is Central Bank Of India an attractive stock to invest in?

1. Is Central Bank Of India a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Central Bank Of India is a below average quality company.

2. Is Central Bank Of India undervalued or overvalued?

The key valuation ratios of Central Bank Of India's currently when compared to its past seem to suggest it is in the Fair zone.

3. Is Central Bank Of India a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Central Bank Of India is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of CentralBank of India:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Standalone Basis P Consolidated Basis P
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Central Bank Of India has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Net Interest Income (₹ Cr.)7,2477,0666,5746,5176,7727,6298,2459,48711,68712,89613,897
YoY Gr. Rt. %--2.5%-7%-0.9%3.9%12.7%8.1%15.1%23.2%10.4%-
Total Income28,30327,82727,53726,65825,05227,19925,84625,77029,62635,43439,520
YoY Gr. Rt. %--1.7%-1%-3.2%-6%8.6%-5%-0.3%15%19.6%-
Adj EPS (₹ ) 3.7-8.4-12.8-19.5-13.9-2-1.51.21.82.94.2
YoY Gr. Rt. %--329.2%NANANANANANA51.7%61.5%-
BVPS (₹ )94.385.173.956.739.232.330.527.429.332.336
YoY Gr. Rt. %--9.7%-13.2%-23.3%-30.9%-17.5%-5.7%-10%6.9%10.2%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)0.2-0.5-1.6-1.6-1.7-0.3-0.20.30.40.60.6
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)3.67.410.211.17.77.65.841.81.20.6
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)-----------

CAGR ⓘ

CAGR Colour Code Guide ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income6.6%13.8%16.1%10.4%
Total Income2.5%7.2%11.1%19.6%
Adj EPS-2.4%NANA61.5%
BVPS-11.2%-3.8%2%10.2%
Share Price -9.1% 18.5% 31.1% -41.9%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Interest Earned / Total Income93.3193.0389.5690.1690.3786.6387.9588.4886.2286.785.2
Margins To view Margins Colour Rating Guide click here ⓘ
NIM (%)2.52.532.22.22.32.42.63.132.9
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)4.3-9.5-17.2-35.3-36.7-6.5-4.956.49.58.6
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)34.135.539.242.546.246.449.350.650.550.1-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 12.20%

Total Income has increased 11.09 CAGR in last 3 years

Net NPA to Net Advances has declined versus last 3 years average

Total income growth is good in last 4 quarters

Net Profit has declined 0.00 CAGR in last 3 years

Latest Financials - Central Bank Of India

Standalone Consolidated
TTM EPS (₹) 4.2 4.4
TTM Sales (₹ Cr.) 33,666 33,797
BVPS (₹.) ⓘ 36 36.4
Reserves (₹ Cr.) ⓘ 23,533 23,908
P/BV ⓘ 1.05 1.04
PE ⓘ 9.08 8.74
From the Market
52 Week Low / High (₹) 32.81 / 67.70
All Time Low / High (₹) 10.04 / 211.86
Market Cap (₹ Cr.) 34,377
Equity (₹ Cr.) 9,051.4
Face Value (₹) 10
Industry PE ⓘ 8.5

Management X-Ray of CentralBank of India:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of CentralBank of India

Event Update

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Analyst's Notes

No data found!

Key Ratios of CentralBank of India

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
Standalone Basis Consolidated Basis
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income 28,30327,82727,53726,65825,05227,19925,84625,77029,62635,434
Interest Income 26,40925,88824,66124,03622,63923,56222,73022,80225,54230,722
Other Income ⓘ 1,8941,9392,8762,6222,4133,6373,1162,9684,0844,711
Expenditure 27,69729,24529,97631,76330,69328,32126,73324,72528,04332,884
Interest Expense 19,16218,82218,08717,51915,86615,93414,48513,31513,85517,826
Operating Expenses 5,5826,3616,3616,4066,0596,9226,7827,2588,88710,245
Provisions2,9534,0615,5287,8388,7685,4655,4664,1525,3024,814
Profit Before Tax890-2,669-3,529-7,896-8,170-909-1,3241,7172,6454,053
Taxes 284-1,251-1,090-2,791-2,529212-4366721,0631,504
Profit After Tax 606-1,418-2,439-5,105-5,641-1,121-8881,0451,5822,549
Adjusted EPS (₹)3.66-8.39-12.82-19.50-13.94-1.96-1.511.201.822.94
Dividend Payout Ratio (%)14%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
Standalone Basis Consolidated Basis
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Share Capital ⓘ 1,6581,6901,9022,6184,0475,7105,8768,6818,6818,681
Total Reserves ⓘ 15,79915,98915,36615,36714,88815,72015,83018,84620,42823,467
Minority Interest0000000000
Deposits2,55,5722,66,1842,96,6712,94,8392,99,8553,13,7633,29,9733,42,6923,59,2963,85,011
Borrowings ⓘ 25,9749,2089,2825,7065,2395,7875,4697,4748,11919,806
Other Liabilities 12,93712,395-3,23,2227,6956,68815,26912,0688,7299,6419,708
Total Liabilities ⓘ 3,11,9413,05,46603,26,2253,30,7183,56,2493,69,2153,86,4234,06,1654,46,673

Assets

Balance with RBI 14,11514,07075,08736,00020,77930,06032,18838,03427,43322,955
Balance with Banks6951,4723,6803,22910,4216,0176,76315,06116,66714,653
Investments ⓘ 89,74088,86801,02,6321,25,2981,42,5181,48,5821,40,7871,36,5831,43,923
Advances 1,88,4781,80,0101,39,3991,56,5421,46,5251,51,1011,56,5791,68,1742,02,9842,43,406
Net Block ⓘ 2,8334,3594,2904,3434,3104,3365,1324,9554,7765,336
Other Assets16,08016,68918,85123,48023,38422,21719,97019,41317,72216,400
Total Assets ⓘ 3,11,9413,05,46603,26,2253,30,7183,56,2493,69,2153,86,4234,06,1654,46,673

Cash Flow

(All Figures are in Crores.)
Standalone Basis Consolidated Basis
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity ⓘ 2,24830861,847-44,396-14,5881,771-1,98714,268-8,794-5,916
Cash Flow From Investing Activity ⓘ -328-179-176-300-245-297-194-125-201-576
Cash Flow From Financing Activity ⓘ 5126011,5545,1586,8053,4035,055000
Net Cash Flow ⓘ 2,43273163,225-39,538-8,0294,8772,87414,143-8,995-6,492

Finance Ratio

Standalone Basis Consolidated Basis
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios
EPS (₹)4-8-13-20-14-2-2123
DPS (₹)1000000000
BVPS (₹)94857457393230272932

Margin Ratios

Yield on Advances (%)14.014.417.715.415.515.614.513.612.612.6
Yield on Investments (%)8.28.00.07.56.97.87.76.96.67.1
Cost of Liabilities (%)6.86.85.95.85.25.04.33.83.84.4
NIM (%)2.52.53.02.22.22.32.42.63.13.0
Interest Spread (%)7.27.611.89.510.310.610.29.88.88.2

Performance Ratios

ROA (%)0.2-0.5-1.6-3.1-1.7-0.3-0.20.30.40.6
ROE (%)4.3-9.5-17.2-35.3-36.7-6.5-4.95.06.49.5
ROCE (%)6.2-4.2-15.1-40.0-31.5-1.5-2.86.58.611.2

Efficiency Ratios

Cost to Income Ratio (%)61.170.767.370.166.061.459.758.356.458.2
Operating Costs to Assets (%)1.82.10.02.01.81.91.81.92.22.3

Valuation Parameters

Price/Book(x)1.10.91.41.30.90.40.50.70.81.9

Central Bank Of India Stock News

Central Bank Of India FAQs

Company share prices are keep on changing according to the market conditions. The closing price of CentralBank of India on 16-Jun-2025 16:59 is ₹37.98.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 16-Jun-2025 16:59 the market cap of CentralBank of India stood at ₹34,377.2.
The latest P/E ratio of CentralBank of India as of 16-Jun-2025 16:59 is 9.08.
The latest P/B ratio of CentralBank of India as of 16-Jun-2025 16:59 is 1.05.
The 52-week high of CentralBank of India is ₹67.70 and the 52-week low is ₹32.81.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of CentralBank of India is ₹33,666 ( Cr.) .

About Central Bank Of India

Established in 1911, Central Bank of India was the first Indian commercial bank which was wholly owned and managed by Indians. The establishment of the Bank was the ultimate realization of the dream of Sir Sorabji Pochkhanawala, founder of the Bank. Sir Pherozesha Mehta was the first Chairman of a truly 'Swadeshi Bank'. In fact, such was the extent of pride felt by Sir Sorabji Pochkhanawala that he proclaimed Central Bank of India as the 'property of the nation and the country's asset'.

In 2008 Central Bank of India entered into distribution tie up with Kotak Mahindra Asset Management Company. Under this agreement it will offer entire products of Kotak Mutual Fund products from the bank's branches.

Central Bank of India has signed a Memorandum of Understanding with WMG, an Academic Department, University of Warwick. The MOU provides for several areas of cooperation including provision of fast-track loans for Indian students studying at WMG and the building of cooperative relationships between UK and Indian business and also the development of a low cost housing project.

Business area of the bank

Central Bank of India was the first Indian commercial bank which was wholly owned and managed by Indians. The products and services offered by the bank includes Individual and NRI- under which the bank offers wide range of product and services such as saving account, deposits, mutual funds, debit card, credit card, NRI account, Money transfer facility, Remittance facility, various loan facilities, senior citizen account, etc.For corporates it offers various products and services such as corporate accounts, loans, RTGS, NEFT, CMS, etc. 

Awards & Accolades

2016-17

  • During the Financial Year 2016-17, Bank received three first prizes for all three linguistic regions under “RBI Governor Shield Scheme.”
  • Bank was awarded “Rajbhasha Kirti Puraskaar” by President of India
  • Bank was also awarded first prize for Excellent Implementation of Official Language Policy of Government of India in Mumbai by a renowned organization “Ashirwad”

2017-18

  • During the financial year 2017-18, Bank was awarded for Excellent Performance in SHG Credit Linkage for the Financial Year 2016-17 by Ministry of Rural Development, Government of India.
  • During the Financial Year 2017-18, the Bank was also awarded various prizes for Excellent Implementation of Official Language Policy of Government of India.
  • As per the annual report published by Brand Finance, on the world’s most valuable Banking Brands 2018 in their February 2018 edition, the Bank stood at 9th Rank amongst PSU Banks in India and as per the annual ranking of most valuable 500 banking brands the Bank stood on 391th Rank amongst the 500 Banks in the world.
  • As per the “Most Trusted Brands 2017” Survey of Economic Times published in their February 14-20, 2018 Issue, the Bank progressed to 5th position in 2017 against the 6th position in 2016 amongst PSU Banks. As per the same survey under the category of “Best Service Brands” the bank has improved its rank to 17th in 2017 from 20th in the year 2016.
  • Acknowledging the initiatives taken by the bank in Cyber security domain, especially in “Education and Awareness” area, Bank has been awarded with Skoch Order-of-Merit award as well as Skoch Award Gold.

2018-19

  • The Bank received the Atal Pension Yojana Award from Department of Financial Services, Ministry of Finance, New Delhi for Leadership Capital to recognize the performance of Banks and their leadership in promoting the scheme in various geographical locations of the country.
  • The Bank was awarded by Indian Bank’s Association (IBA) for Most innovative Product Category

2019-20

  • The Bank has been qualified for Warriors of Winning Wednesday campaign in August, October and November 2019.
  • The Bank has been awarded winning shield in campaign MAKER OF EXCELLENCE-3, organised for Executive Directors, by enrolling 50000 APY as against target of 30000.
  • In Rise above Rest, the Bank has received 3 shields as award of excellence and 20 certificate of excellence.
  • LDM Amravati is qualified in Citizen Choice campaign
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