Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
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X

The South Indian Bank Ltd.

Small Cap

Evaluated by 4204 users |

BSE

: 532218 |

NSE

: SOUTHBANK |

Bank - Private

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Consolidated basis
 Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Net Interest Income (Rs. Cr.)5687911,0221,2811,3991,3661,5101,6751,9662,020
Y-o-Y Gr. Rt.-39.2%29.2%25.4%9.2%-2.3%10.5%11%17.3%2.8%
Total Income2,1442,6433,8314,7695,3845,7836,0756,5637,0307,603
Y-o-Y Gr. Rt.-23.3%45%24.5%12.9%7.4%5%8%7.1%8.2%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
1.872.343.213.43.422.062.232.181.851.37
Y-o-Y Gr. Rt.-25.1%37.2%5.9%0.6%-39.8%8.3%-2.2%-15.1%-26%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
11.7413.5616.1419.3721.7923.1324.8525.5227.6528.16
Y-o-Y Gr. Rt.-15.5%19%20%12.5%6.2%7.4%2.7%8.4%1.8%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)1.0211.11.110.970.540.540.570.430.28
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)0.390.290.280.780.780.962.891.452.63.45
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income15.1%7.6%10.2%2.8%
Total Income15.1%7.2%7.8%8.2%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-3.4%-16.7%-15%-26%
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
10.2%5.3%4.3%1.8%
Share Price -6.1% -16.7% -20.1% -40.2%
 
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Interest Earned / Total Income90.2892.5693.5592.9893.1691.4191.4889.188.0990.45
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.282.482.62.632.62.482.552.42.552.33
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)16.9918.5221.6220.5516.639.199.319.456.984.9
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 23.1321.5519.6718.620.6920.5922.3623.8223.824.21
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What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
31.82%
68.18%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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