Is Central Bank Of India a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Central Bank Of India is a below average quality company .

Is Central Bank Of India undervalued or overvalued?

The key valuation ratios of Central Bank Of India's currently when compared to its past seem to suggest it is in the Overvalued zone .

What is Central Bank Of India share price return in the past 10 years?

Central Bank Of India share price has declined -4.2% annually (CAGR) over the past ten years.

Is Central Bank Of India a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Central Bank Of India is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

Central Bank Of India - Stock Valuation and Financial Performance

Name: Central Bank Of India
Brand: Central Bank Of India

BSE: 532885 | NSE: CENTRALBK | Bank - Public | Mid Cap

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CentralBank of India Share Price

₹55.01 -1.94 -3.41%
as on 18-Dec'24 16:59

10 Year X-Ray of CentralBank of India:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis ^P

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Net Interest Income (₹ Cr.)	7,247	7,066	6,574	6,517	6,772	7,629	8,245	9,487	11,687	12,896	13,651
YoY Gr. Rt. %	-	-2.5%	-7%	-0.9%	3.9%	12.7%	8.1%	15.1%	23.2%	10.4%	-
Total Income	28,303	27,827	27,537	26,658	25,052	27,199	25,846	25,770	29,626	35,434	38,187
YoY Gr. Rt. %	-	-1.7%	-1%	-3.2%	-6%	8.6%	-5%	-0.3%	15%	19.6%	-
Adj EPS (₹ )	3.7	-8.4	-12.8	-19.5	-13.9	-2	-1.5	1.2	1.8	2.9	3.8
YoY Gr. Rt. %	-	-329.2%	NA	NA	NA	NA	NA	NA	51.7%	61.5%	-
BVPS (₹ )	94.3	85.1	73.9	56.7	39.2	32.3	30.5	27.4	29.3	32.3	33.5
YoY Gr. Rt. %	-	-9.7%	-13.2%	-23.3%	-30.9%	-17.5%	-5.7%	-10%	6.9%	10.2%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	0.2	-0.5	-1.6	-1.6	-1.7	-0.3	-0.2	0.3	0.4	0.6	0.5
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	3.6	7.4	10.2	11.1	7.7	7.6	5.8	4	1.8	1.2	0.7
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	-	-	-	-	-	-	-	-	-	-	-

CAGR ⓘ

CAGR Colour Code Guide ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	6.6%	13.8%	16.1%	10.4%
Total Income	2.5%	7.2%	11.1%	19.6%
Adj EPS	-2.4%	NA	NA	61.5%
BVPS	-11.2%	-3.8%	2%	10.2%
Share Price	-4.2%	24.5%	36.8%	5.6%

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Interest Earned / Total Income	93.31	93.03	89.56	90.16	90.37	86.63	87.95	88.48	86.22	86.7	85.6
Margins	To view Margins Colour Rating Guide click here ⓘ
NIM (%)	2.5	2.5	3	2.2	2.2	2.3	2.4	2.6	3.1	3	3.1
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	4.3	-9.5	-17.2	-35.3	-36.7	-6.5	-4.9	5	6.4	9.5	7.9
Liquidity Ratio	To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)	34.1	35.5	39.2	42.5	46.2	46.4	49.3	50.6	50.5	50.1	-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 11.60%

Total Income has increased 11.09 CAGR in last 3 years

Net NPA to Net Advances has declined versus last 3 years average

Total income growth is good in last 4 quarters

Net Profit has declined 0.00 CAGR in last 3 years

Latest Financials - Central Bank Of India

	Standalone	Consolidated
TTM EPS (₹)	3.8	3.9
TTM Sales (₹ Cr.)	32,684	32,815
BVPS (₹.) ⓘ	33.5	33.9
Reserves (₹ Cr.) ⓘ	21,175	20,733
P/BV ⓘ	1.64	1.62
PE ⓘ	14.39	13.98

From the Market
52 Week Low / High (₹)	46.20 / 76.85
All Time Low / High (₹)	10.04 / 211.86
Market Cap (₹ Cr.)	47,754
Equity (₹ Cr.)	8,680.9
Face Value (₹)	10
Industry PE ⓘ	10

Management X-Ray of CentralBank of India:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of CentralBank of India

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Price to Earnings

Enterprise Value to EBIT

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Dividend History

Analyst's Notes

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Key Ratios of CentralBank of India

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	28,303	27,827	27,537	26,658	25,052	27,199	25,846	25,770	29,626	35,434
Interest Income	26,409	25,888	24,661	24,036	22,639	23,562	22,730	22,802	25,542	30,722
Other Income ⓘ	1,894	1,939	2,876	2,622	2,413	3,637	3,116	2,968	4,084	4,711
Expenditure	27,697	29,245	29,976	31,763	30,693	28,321	26,733	24,725	28,043	32,884
Interest Expense	19,162	18,822	18,087	17,519	15,866	15,934	14,485	13,315	13,855	17,826
Operating Expenses	5,582	6,361	6,361	6,406	6,059	6,922	6,782	7,258	8,887	10,245
Provisions	2,953	4,061	5,528	7,838	8,768	5,465	5,466	4,152	5,302	4,814
Profit Before Tax	890	-2,669	-3,529	-7,896	-8,170	-909	-1,324	1,717	2,645	4,053
Taxes	284	-1,251	-1,090	-2,791	-2,529	212	-436	672	1,063	1,504
Profit After Tax	606	-1,418	-2,439	-5,105	-5,641	-1,121	-888	1,045	1,582	2,549
Adjusted EPS (₹)	3.66	-8.39	-12.82	-19.50	-13.94	-1.96	-1.51	1.20	1.82	2.94
Dividend Payout Ratio (%)	14%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Share Capital ⓘ	1,658	1,690	1,902	2,618	4,047	5,710	5,876	8,681	8,681	8,681
Total Reserves ⓘ	15,799	15,989	15,366	15,367	14,888	15,720	15,830	18,846	20,428	23,467
Minority Interest	0	0	0	0	0	0	0	0	0	0
Deposits	2,55,572	2,66,184	2,96,671	2,94,839	2,99,855	3,13,763	3,29,973	3,42,692	3,59,296	3,85,011
Borrowings ⓘ	25,974	9,208	9,282	5,706	5,239	5,787	5,469	7,474	8,119	19,806
Other Liabilities	12,937	12,395	-3,23,222	7,695	6,688	15,269	12,068	8,729	9,641	9,708
Total Liabilities ⓘ	3,11,941	3,05,466	0	3,26,225	3,30,718	3,56,249	3,69,215	3,86,423	4,06,165	4,46,673
Assets
Balance with RBI	14,115	14,070	75,087	36,000	20,779	30,060	32,188	38,034	27,433	22,955
Balance with Banks	695	1,472	3,680	3,229	10,421	6,017	6,763	15,061	16,667	14,653
Investments ⓘ	89,740	88,868	0	1,02,632	1,25,298	1,42,518	1,48,582	1,40,787	1,36,583	1,43,923
Advances	1,88,478	1,80,010	1,39,399	1,56,542	1,46,525	1,51,101	1,56,579	1,68,174	2,02,984	2,43,406
Net Block ⓘ	2,833	4,359	4,290	4,343	4,310	4,336	5,132	4,955	4,776	5,336
Other Assets	16,080	16,689	18,851	23,480	23,384	22,217	19,970	19,413	17,722	16,400
Total Assets ⓘ	3,11,941	3,05,466	0	3,26,225	3,30,718	3,56,249	3,69,215	3,86,423	4,06,165	4,46,673

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	2,248	308	61,847	-44,396	-14,588	1,771	-1,987	14,268	-8,794	-5,916
Cash Flow From Investing Activity ⓘ	-328	-179	-176	-300	-245	-297	-194	-125	-201	-576
Cash Flow From Financing Activity ⓘ	512	601	1,554	5,158	6,805	3,403	5,055	0	0	0
Net Cash Flow ⓘ	2,432	731	63,225	-39,538	-8,029	4,877	2,874	14,143	-8,995	-6,492

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	4	-8	-13	-20	-14	-2	-2	1	2	3
DPS (₹)	1	0	0	0	0	0	0	0	0	0
BVPS (₹)	94	85	74	57	39	32	30	27	29	32
Margin Ratios
Yield on Advances (%)	14.0	14.4	17.7	15.4	15.5	15.6	14.5	13.6	12.6	12.6
Yield on Investments (%)	8.2	8.0	0.0	7.5	6.9	7.8	7.7	6.9	6.6	7.1
Cost of Liabilities (%)	6.8	6.8	5.9	5.8	5.2	5.0	4.3	3.8	3.8	4.4
NIM (%)	2.5	2.5	3.0	2.2	2.2	2.3	2.4	2.6	3.1	3.0
Interest Spread (%)	7.2	7.6	11.8	9.5	10.3	10.6	10.2	9.8	8.8	8.2
Performance Ratios
ROA (%)	0.2	-0.5	-1.6	-3.1	-1.7	-0.3	-0.2	0.3	0.4	0.6
ROE (%)	4.3	-9.5	-17.2	-35.3	-36.7	-6.5	-4.9	5.0	6.4	9.5
ROCE (%)	6.2	-4.2	-15.1	-40.0	-31.5	-1.5	-2.8	6.5	8.6	11.2
Efficiency Ratios
Cost to Income Ratio (%)	61.1	70.7	67.3	70.1	66.0	61.4	59.7	58.3	56.4	58.2
Operating Costs to Assets (%)	1.8	2.1	0.0	2.0	1.8	1.9	1.8	1.9	2.2	2.3
Valuation Parameters
Price/Book(x)	1.1	0.9	1.4	1.3	0.9	0.4	0.5	0.7	0.8	1.9

Central Bank Of India Stock News

Central Bank Of India FAQs

What is the share price of CentralBank of India?

Company share prices are keep on changing according to the market conditions. The closing price of CentralBank of India on 18-Dec-2024 16:59 is ₹55.01.

What is the market cap of CentralBank of India?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 18-Dec-2024 16:59 the market cap of CentralBank of India stood at ₹47,753.9.

What is the P/E ratio of CentralBank of India?

The latest P/E ratio of CentralBank of India as of 18-Dec-2024 16:59 is 14.39.

What is the P/B ratio of CentralBank of India?

The latest P/B ratio of CentralBank of India as of 18-Dec-2024 16:59 is 1.64.

What is the 52-week high and low of CentralBank of India?

The 52-week high of CentralBank of India is ₹76.85 and the 52-week low is ₹46.20.

What is the TTM revenue of CentralBank of India?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of CentralBank of India is ₹32,684 ( Cr.) .

About Central Bank Of India

Established in 1911, Central Bank of India was the first Indian commercial bank which was wholly owned and managed by Indians. The establishment of the Bank was the ultimate realization of the dream of Sir Sorabji Pochkhanawala, founder of the Bank. Sir Pherozesha Mehta was the first Chairman of a truly 'Swadeshi Bank'. In fact, such was the extent of pride felt by Sir Sorabji Pochkhanawala that he proclaimed Central Bank of India as the 'property of the nation and the country's asset'.

In 2008 Central Bank of India entered into distribution tie up with Kotak Mahindra Asset Management Company. Under this agreement it will offer entire products of Kotak Mutual Fund products from the bank's branches.

Central Bank of India has signed a Memorandum of Understanding with WMG, an Academic Department, University of Warwick. The MOU provides for several areas of cooperation including provision of fast-track loans for Indian students studying at WMG and the building of cooperative relationships between UK and Indian business and also the development of a low cost housing project.

Business area of the bank

Central Bank of India was the first Indian commercial bank which was wholly owned and managed by Indians. The products and services offered by the bank includes Individual and NRI- under which the bank offers wide range of product and services such as saving account, deposits, mutual funds, debit card, credit card, NRI account, Money transfer facility, Remittance facility, various loan facilities, senior citizen account, etc.For corporates it offers various products and services such as corporate accounts, loans, RTGS, NEFT, CMS, etc.

Awards & Accolades

2016-17

During the Financial Year 2016-17, Bank received three first prizes for all three linguistic regions under “RBI Governor Shield Scheme.”
Bank was awarded “Rajbhasha Kirti Puraskaar” by President of India
Bank was also awarded first prize for Excellent Implementation of Official Language Policy of Government of India in Mumbai by a renowned organization “Ashirwad”

2017-18

During the financial year 2017-18, Bank was awarded for Excellent Performance in SHG Credit Linkage for the Financial Year 2016-17 by Ministry of Rural Development, Government of India.
During the Financial Year 2017-18, the Bank was also awarded various prizes for Excellent Implementation of Official Language Policy of Government of India.
As per the annual report published by Brand Finance, on the world’s most valuable Banking Brands 2018 in their February 2018 edition, the Bank stood at 9th Rank amongst PSU Banks in India and as per the annual ranking of most valuable 500 banking brands the Bank stood on 391th Rank amongst the 500 Banks in the world.
As per the “Most Trusted Brands 2017” Survey of Economic Times published in their February 14-20, 2018 Issue, the Bank progressed to 5th position in 2017 against the 6th position in 2016 amongst PSU Banks. As per the same survey under the category of “Best Service Brands” the bank has improved its rank to 17th in 2017 from 20th in the year 2016.
Acknowledging the initiatives taken by the bank in Cyber security domain, especially in “Education and Awareness” area, Bank has been awarded with Skoch Order-of-Merit award as well as Skoch Award Gold.

2018-19

The Bank received the Atal Pension Yojana Award from Department of Financial Services, Ministry of Finance, New Delhi for Leadership Capital to recognize the performance of Banks and their leadership in promoting the scheme in various geographical locations of the country.
The Bank was awarded by Indian Bank’s Association (IBA) for Most innovative Product Category

2019-20

The Bank has been qualified for Warriors of Winning Wednesday campaign in August, October and November 2019.
The Bank has been awarded winning shield in campaign MAKER OF EXCELLENCE-3, organised for Executive Directors, by enrolling 50000 APY as against target of 30000.
In Rise above Rest, the Bank has received 3 shields as award of excellence and 20 certificate of excellence.
LDM Amravati is qualified in Citizen Choice campaign