ScoreWhy is CSB Bank Ltd ?
1
The Bank has a high Capital Adequacy Ratio of 21.10% signifying high buffers against its risk based assets
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 22.81% and Net profit at 46.85%
3
Positive results in Sep 25
- CREDIT DEPOSIT RATIO(HY) Highest at 86.41%
- INTEREST EARNED(Q) Highest at Rs 1,109.16 cr
- NII(Q) Highest at Rs 423.56 cr
4
With ROA of 1.2, it has a Fair valuation with a 1.5 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 28.73%, its profits have risen by 12.3% ; the PEG ratio of the company is 0.9
5
High Institutional Holdings at 30.33%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating performance in long term as well as near term
- Along with generating 28.73% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to CSB Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is CSB Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
CSB Bank
-5.61%
0.91
31.41%
Sensex
-4.88%
0.44
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
18.22%
Net Profit Growth (5y)
23.72%
Advance to Deposit
84.00%
Capital Adequacy Ratio (Tier 1)
22.57%
Gross NPA (latest)
1.66%
Gross NPA (avg)
1.55%
Coverage Ratio (avg)
68.93%
Cost to Income (avg)
60.16%
Net Interest Margin (avg)
4.75%
Operating Profit to Assets (avg)
6.48%
ROA (avg)
1.52%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Price to Book Value
1.30
PEG Ratio
1.52
Dividend Yield
NA
ROE (Latest)
12.94%
ROA (Latest)
1.10%
Net NPA to Book Value
3.23
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
NII(Q)
Highest at Rs 464.16 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 90.06%
INTEREST EARNED(Q)
Highest at Rs 1,200.86 cr
PBT LESS OI(Q)
Highest at Rs -35.56 cr.
PAT(Q)
Highest at Rs 201.58 cr.
EPS(Q)
Highest at Rs 11.62
NET NPA(Q)
Lowest at 0.40%
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 113.14 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for CSB Bank
Net Interest Income (Quarterly)
Highest at Rs 464.16 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 1,200.86 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 90.06% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -35.56 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 201.58 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 201.58 cr has Grown at 29.6% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 155.51 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 11.62
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.40%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for CSB Bank
Non Operating Income - Quarterly
is 113.14 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
