State Bank Of Travancore - (Amalgamated) Stock Analysis

BSE: 532191 | NSE: SBT | Bank - Public | Small Cap

BSE Share Price
Not Listed

DeciZen - Make an Informed Decision on St.Bk of Travancore

Overall Rating

2. Valuation

Undervalued
P/E P/S EV/EBITDA

3. Price Trend

FAQ's

1. Is State Bank Of Travancore - (Amalgamated) a good quality company?

Data is not available for this company.

2. Is State Bank Of Travancore - (Amalgamated) undervalued or overvalued?

No data found

3. Is State Bank Of Travancore - (Amalgamated) a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of State Bank Of Travancore - (Amalgamated) is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of St.Bk of Travancore:

Analysis of Financial Track Record

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.
Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16TTM
Net Interest Income (₹ Cr.)9929571,2831,4001,6961,8982,1282,3832,2832,5542,439
YoY Gr. Rt. %--3.5%34%9.2%21.1%11.9%12.1%12%-4.2%11.9%-
Total Income3,0543,8734,6964,9065,8107,4779,28810,55910,58310,75711,067
YoY Gr. Rt. %-26.8%21.3%4.5%18.4%28.7%24.2%13.7%0.2%1.6%-
Adj EPS (₹ ) 62.173.5115.7130.2138.597.111757.956.647.5-187.9
YoY Gr. Rt. %-18.4%57.4%12.6%6.4%-29.9%20.5%-50.5%-2.2%-16.1%-
BVPS (₹ )304.3326.9428.1540.5659735.7830.6870.5886.4846.8727.6
YoY Gr. Rt. %-7.4%31%26.3%21.9%11.6%12.9%4.8%1.8%-4.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.90.91.31.31.10.70.70.30.30.30
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)1.10.90.60.911.51.52.822.88
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)----------12.5

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income11.1%8.5%6.3%11.9%
Total Income15%13.1%5%1.6%
Adj EPS-2.9%-19.3%-26%-16.1%
BVPS12%5.1%0.7%-4.5%
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16TTM
Interest Earned / Total Income88.188.6787.889.249092.2392.9791.9390.4189.3385.7
Margins To view Margins Colour Rating Guide click here
NIM (%)2.72.22.72.42.52.32.12.32.32.30
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)22.323.330.626.923.113.914.96.86.86-25.8
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)28.329.332.430.430.327.325.827.729.831.8-

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to %

Latest Financials - State Bank Of Travancore - (Amalgamated)

Standalone Consolidated
TTM EPS (₹) -187.9 -
TTM Sales (₹ Cr.) 9,481 -
BVPS (₹.) 727.6 -
Reserves (₹ Cr.) 5,102 -
P/BV 0.83 -
PE 0.00 -
From the Market
52 Week Low / High (₹) 599.80 / 611.00
All Time Low / High (₹) 16.74 / 1027.50
Market Cap (₹ Cr.) 4,318
Equity (₹ Cr.) 71.1
Face Value (₹) 10
Industry PE 14

Management X-Ray of St.Bk of Travancore :

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 (%)

Event Update

Analyst's Notes

News

About State Bank Of Travancore - (Amalgamated)

State Bank of Travancore (SBT) was incorporated in 1945 as Travancore Bank sponsored by the erstwhile princely state of Travancore.

Later the bank was made an associate of State Bank of India, which is the largest banking group in India. Currently the bank has network of 712 branches and 389 ATMs spread across in 16 states in India.

State Bank of Travancore operates 580 branches in Kerala itself. Headquartered in Kerala, the bank has largest number of ATMs in the home state.

The bank also operates 8 AM to 8 PM working branches in specific areas like Kesavadasapuram PSB (Trivandrum), Thrissur PSB, Kaloor (Ernakulam) and Alwarpet (Chennai)

 

Business

Personal Banking-Under this it offers a wide range of personal banking products and services such as deposits, savings, loans, internet banking, demat services, mobile banking, etc.

It also provides facilities like online bill payment and booking of railway tickets.

NRI banking- SBT also offers banking products and services to NRI customers such as deposits, car loans, remittances, investment schemes, etc.

Corporate banking- It provides a wide range of products and services to corporates. SBT offers working capital finance, project finance, structured finance, equipment leasing, dealer financing, etc.

SME- SBT also offers products and services to SME sector.

 

Outlook

The bank has launched special loans for micro, small and medium enterprises (MSMEs) at an interest rate of 8% per annum. This sector-specific loan is provided to enterprises that are affected by current slowdown in economy.

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