Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
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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.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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X

CSB Bank Ltd.

Small Cap

Evaluated by 74 users |

BSE

: 542867 |

NSE

: CSBBANK |

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.)123248307339379356324314385440
Y-o-Y Gr. Rt.-102.1%23.7%10.5%11.8%-6.1%-9.1%-3.1%22.7%14.3%
Total Income6528371,1611,4151,6211,6721,5881,6181,4221,483
Y-o-Y Gr. Rt.-28.3%38.8%21.9%14.5%3.1%-5%1.9%-12.1%4.3%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
0.873.888.247.816.42-8.81-20.880.19-12.04-22.98
Y-o-Y Gr. Rt.-346%112.4%-5.2%-17.8%-237.2%NANA-6436.8%NA
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
184.76161.27167.68150.74154.05126.7101.38103.1890.1172.45
Y-o-Y Gr. Rt.--12.7%4%-10.1%2.2%-17.8%-20%1.8%-12.7%-19.6%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.020.140.240.250.19-0.34-0.950.01-0.61-1.2
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 (%)1.581.741.11.122.223.854.45.514.462.27
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 16.77%
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 Income15.2%3%10.8%14.3%
Total Income9.6%-1.8%-2.2%4.3%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-243.9%-229.1%NANA
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
-9.9%-14%-10.6%-19.6%
Share Price - - - -
 
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Interest Earned / Total Income88.6591.0992.6693.3292.7692.3893.4182.6291.1890.84
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)1.652.582.612.572.542.322.222.082.622.82
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)0.472.855.025.644.21-7.55-20.080.2-12.46-29.2
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 25.1222.3619.3217.5317.271820.0324.7827.0327.84
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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
49.73%
11.34%
38.92%
Pledged *0.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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