1. Is The South Indian Bank Ltd a good quality company?
Past 10 year’s financial track record analysis by Moneyworks4me indicates that The South Indian Bank Ltd is a below average quality company.
2. Is The South Indian Bank Ltd undervalued or overvalued?
The key valuation ratios of The South Indian Bank Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
3. Is The South Indian Bank Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of The South Indian Bank Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Net Interest Income (₹ Cr.)||1,022||1,281||1,399||1,366||1,510||1,675||1,966||2,020||2,318||2,407||2,240|
|YoY Gr. Rt. %||-||25.4%||9.2%||-2.3%||10.5%||11%||17.3%||2.8%||14.7%||3.9%||-|
|YoY Gr. Rt. %||-||24.5%||12.9%||7.4%||5%||8%||7.1%||8.2%||15.9%||-3.6%||-|
|Adj EPS (₹ )||3.2||3.4||3.4||2.1||2.2||2.2||1.9||1.4||0.6||0.3||0.2|
|YoY Gr. Rt. %||-||5.9%||0.6%||-39.8%||8.3%||-2.2%||-15.1%||-26%||-57.7%||-48.3%||-|
|BVPS (₹ )||16.1||19.4||21.8||23.1||24.9||25.5||27.7||28.2||28.5||26.2||26.5|
|YoY Gr. Rt. %||-||20%||12.5%||6.2%||7.4%||2.7%||8.4%||1.8%||1.1%||-7.9%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||1.1||1.1||1||0.5||0.5||0.6||0.4||0.3||0.1||0.1||-0.1|
|To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||0.3||0.8||0.8||1||2.9||1.5||2.6||3.5||3.3||4.7||3|
|To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||-||-||-||-||-||-||-||-||-||-||-|
CAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||10%||9.8%||7%||3.9%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'12||Mar'13||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||TTM|
|Interest Earned / Total Income||93.55||92.98||93.16||91.41||91.48||89.1||88.09||90.45||88.13||86.04||87.1|
|Margins||To view Margins Colour Rating Guide click here ⓘ|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||21.6||20.6||16.6||9.2||9.3||9.5||7||4.9||2||1.2||-2.2|
|Liquidity Ratio||To view Liquidity Ratio Colour Rating Guide click here ⓘ|
Total Income has increased 6.50 CAGR in last 3 years
Total income growth is good in last 4 quarters
Return on Equity has declined versus last 3 years average to 0.80%
Net Profit has declined -45.47 CAGR in last 3 years
Net NPA to Net Advances has increased in last 3 years
|TTM EPS (₹)||0.2||-|
|TTM Sales (₹ Cr.)||6,587||-|
|BVPS (₹.) ⓘ||26.5||-|
|Reserves (₹ Cr.) ⓘ||5,331||-|
|From the Market|
|52 Week Low / High (₹)||7.45 / 13.95|
|All Time Low / High (₹)||0.86 / 34.75|
|Market Cap (₹ Cr.)||1,639|
|Equity (₹ Cr.)||209.3|
|Face Value (₹)||1|
|Industry PE ⓘ||21.9|
The South Indian Bank Ltd. is one of the earliest banks in South India. The establishment of the bank was the fulfillment of the dreams of a group of enterprising men who joined together at Thrissur, a major town (now known as the Cultural Capital of Kerala), in the erstwhile State of Cochin to provide for the people a safe, efficient and service oriented repository of savings of the community on one hand and to free the business community from the clutches of greedy money lenders on the other by providing need based credit at reasonable rates of interest. Translating the vision of the founding fathers as its corporate mission, the bank has during its long sojourn been able to project itself as a vibrant, fast growing, service oriented and trend setting financial intermediary.
Business area of the Bank
South Indian Bank is a publicly held banking company engaged in providing a wide range of banking and financial services including retail banking, corporate banking and treasury operations.
Products and services
Awards & Accolades