CSB Bank

Why is CSB Bank Ltd falling/rising?

As of 20-Jun, CSB Bank Ltd's stock price is Rs 365.20, down 0.65%, with a year-to-date decline of 20.46%. Despite strong fundamentals, including a high Capital Adequacy Ratio and consistent profit growth, the stock's performance has been negatively impacted by broader market trends and recent underperformance.

As of 20-Jun, CSB Bank Ltd's stock price is currently at Rs 365.20, reflecting a decline of Rs 2.4 or 0.65%. The stock has shown a negative performance over the past week, with a decrease of 0.27%, while the benchmark Sensex has increased by 1.69% during the same period. Year-to-date, the stock has fallen significantly by 20.46%, compared to a 9.88% decline in the Sensex.<BR><BR>Today's trading performance indicates that the stock touched an intraday low of Rs 360.1, which is a decrease of 2.04%. Although the stock is trading higher than its 20-day moving averages, it remains below the 5-day, 50-day, 100-day, and 200-day moving averages, suggesting a bearish trend in the short to medium term.<BR><BR>Despite these declines, there are positive factors that could support the stock's valuation. The bank has a high Capital Adequacy Ratio of 22.57%, indicating strong buffers against risk-based assets. Additionally, the bank has reported healthy long-term growth, with a net profit growth rate of 23.72% annually and positive results for the last three consecutive quarters. However, the negative stock performance over the past year, with a return of -4.40%, contrasts with the profit increase of 6.6%, which may lead to investor caution.<BR><BR>Overall, while there are strong fundamentals supporting CSB Bank Ltd, the current stock price decline can be attributed to its underperformance relative to the market and the broader economic context, as reflected in the significant year-to-date drop and the recent intraday low.

Which are the latest news on CSB Bank?

What does CSB Bank do?

CSB Bank Ltd is a rapidly growing private sector bank in India, offering various banking services with a market capitalization of INR 6,332 Cr. As of March 2026, it reported net sales of 1,200.86 Cr and a net profit of 202 Cr.

Overview:<BR>CSB Bank Ltd is one of the fastest growing private sector banks in India, operating within the small-cap market segment and providing a range of banking and financial services.<BR><BR>History:<BR>CSB Bank Ltd was incorporated in an unspecified year and has undergone status changes to become a prominent player in the banking sector. The latest quarterly results reported sales and profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 1,200.86 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 202 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 6,332 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 0.00% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details:<BR>Registrar Address: Not available. <BR>Phone: Not available. <BR>Email: Not available. <BR>Website: Not available.

How big is CSB Bank?

As of 10th June, CSB Bank Ltd has a market capitalization of 6,332.00 Cr, classifying it as a Small Cap company, with a net profit of 633.18 Cr reported over the latest four quarters and total assets of 47,847.24 Cr as of March 2025.

As of 10th June, <BR><BR>Market Cap: CSB Bank Ltd has a market capitalization of 6,332.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The company has reported no valid Net Sales data for the latest quarters. However, the Net Profit for the latest four quarters is 633.18 Cr.<BR><BR>Balance Sheet Snapshot: The latest reporting period for the balance sheet is March 2025. Shareholder's Funds stand at 4,497.73 Cr, while Total Assets amount to 47,847.24 Cr.

Who are in the management team of CSB Bank?

The management team of CSB Bank includes Bhama Krishnamurthy (Chairperson), Pralay Mandal (Managing Director & CEO), and Sijo Varghese (Company Secretary & Compliance Officer), along with several independent and non-executive directors. This team provides diverse expertise and governance to the bank.

The management team of CSB Bank includes the following key members:<BR><BR>1. **Bhama Krishnamurthy** - Chairperson<BR>2. **Pralay Mandal** - Managing Director & CEO<BR>3. **Sijo Varghese** - Company Secretary & Compliance Officer<BR><BR>Additionally, the Board of Directors features several independent and non-executive directors, including:<BR><BR>- **Sumit Maheshwari** - Non-Executive & Non-Independent Director<BR>- **Madhavan Menon** - Non-Executive & Non-Independent Director<BR>- **Sharmila Abhay Karve** - Independent Director<BR>- **Sudhin Choksey** - Independent Director<BR>- **Sunil Srivastav** - Independent Director<BR>- **Sharad Kumar Saxena** - Independent Director<BR>- **Biswamohan Mahapatra** - Independent Director<BR><BR>This diverse team brings a range of expertise and governance to CSB Bank.

Who are the peers of the CSB Bank?

CSB Bank's peers include Bandhan Bank, Karur Vysya Bank, RBL Bank, City Union Bank, J&K Bank, T N Merc. Bank, South Ind. Bank, Karnataka Bank, DCB Bank, and Dhanlaxmi Bank. In terms of performance, RBL Bank leads with a 1-year return of 64.09%, while CSB Bank has a negative return of -7.23%.

Peers: The peers of CSB Bank are Bandhan Bank, Karur Vysya Bank, RBL Bank, City Union Bank, J&K Bank, T N Merc. Bank, South Ind.Bank, Karnataka Bank, DCB Bank, and Dhanlaxmi Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bandhan Bank and Karur Vysya Bank, while Average management risk is found at RBL Bank, T N Merc. Bank, and Dhanlaxmi Bank. Good management risk is noted at City Union Bank, J&K Bank, South Ind.Bank, Karnataka Bank, and DCB Bank. For growth, Excellent growth is seen at Karur Vysya Bank and CSB Bank, while Below Average growth is noted at Bandhan Bank, and Average growth is found at T N Merc. Bank and Dhanlaxmi Bank. Good growth is reported at RBL Bank, City Union Bank, J&K Bank, South Ind.Bank, and Karnataka Bank. In terms of capital structure, Excellent capital structure is observed at Bandhan Bank, Karur Vysya Bank, City Union Bank, South Ind.Bank, and Karnataka Bank, while Good capital structure is noted at RBL Bank, J&K Bank, DCB Bank, and Dhanlaxmi Bank, and Excellent capital structure is also found at T N Merc. Bank.<BR><BR>Return Snapshot: The peer with the highest 1-year return is RBL Bank at 64.09%, while the lowest is CSB Bank at -7.23%. CSB Bank's 1-year return is significantly lower than the highest peer return. Additionally, CSB Bank and Dhanlaxmi Bank are the only peers with negative six-month returns.

Should I buy, sell or hold CSB Bank Ltd?

Are CSB Bank Ltd latest results good or bad?

CSB Bank Ltd's latest results show a strong net profit increase of 32.04% QoQ and a 25.02% YoY growth in net interest income, but rising gross NPA ratio to 1.96% raises concerns about asset quality. Overall, while profits are growing, the asset quality issues require careful consideration from investors.

CSB Bank Ltd's latest results present a mixed picture. On the positive side, the bank reported a significant net profit increase of 32.04% quarter-on-quarter (QoQ), reaching ₹201.58 crores, and a robust year-on-year (YoY) growth in net interest income (NII) of 25.02%, totaling ₹464.16 crores. Additionally, total income grew by 10.62% YoY, driven by strong interest earnings.<BR><BR>However, there are notable concerns regarding asset quality. The gross non-performing asset (NPA) ratio has risen to 1.96%, up from 1.81% in the previous quarter, indicating potential stress in the loan book. This marks the second consecutive quarter of deterioration in this metric. While the net NPA ratio improved to a record low of 0.40%, the rising gross NPA ratio raises questions about the sustainability of earnings quality.<BR><BR>Overall, while CSB Bank's financial performance shows encouraging growth in profits and income, the increasing asset quality concerns warrant close monitoring. Investors should weigh these factors carefully when considering their positions in the bank.

Is CSB Bank technically bullish or bearish?

As of December 3, 2025, CSB Bank's trend is mildly bullish with positive indicators like a bullish MACD and Bollinger Bands, but caution is advised due to a mildly bearish signal from Dow Theory.

As of 3 December 2025, the technical trend for CSB Bank has changed from bullish to mildly bullish. The current stance is mildly bullish, supported by a bullish MACD on both weekly and monthly time frames, and mildly bullish Bollinger Bands on both time frames. The daily moving averages also indicate a mildly bullish trend. However, the Dow Theory shows a mildly bearish signal on the weekly chart, which tempers the overall bullish outlook. The RSI is neutral with no signals on both weekly and monthly charts, and the KST remains bullish. Overall, while there are positive indicators, the presence of a mildly bearish signal in Dow Theory suggests caution.

How has been the historical performance of CSB Bank?

CSB Bank has shown consistent growth, with interest earned rising from INR 1,347.52 crore in Mar'19 to INR 3,597.14 crore in Mar'25, and profit after tax increasing from INR -197.42 crore to INR 593.80 crore in the same period. Total assets expanded from INR 18,873.81 crore to INR 47,847.24 crore, indicating robust financial performance.

Answer:<BR>The historical performance of CSB Bank shows a consistent growth trajectory in various financial metrics over the years.<BR><BR>Breakdown:<BR>CSB Bank's interest earned has increased significantly from INR 1,347.52 crore in Mar'19 to INR 3,597.14 crore in Mar'25, reflecting a strong upward trend. The bank's total income also rose from INR 1,483.44 crore in Mar'19 to INR 4,569.20 crore in Mar'25. Despite a slight decrease in net interest income from INR 1,476.41 crore in Mar'24 to INR 1,476.17 crore in Mar'25, the overall profitability has improved, with profit before tax increasing from INR -300.10 crore in Mar'19 to INR 799.53 crore in Mar'25. Profit after tax has similarly grown from INR -197.42 crore in Mar'19 to INR 593.80 crore in Mar'25. The bank's total assets have expanded from INR 18,873.81 crore in Mar'19 to INR 47,847.24 crore in Mar'25, while total liabilities increased from INR 18,873.82 crore to INR 47,847.22 crore in the same period. Cash and cash equivalents have also shown a positive trend, growing from INR 939 crore in Mar'20 to INR 3,592 crore in Mar'25. Overall, CSB Bank has demonstrated robust growth in its financial performance over the years.

Is CSB Bank overvalued or undervalued?

As of October 23, 2025, CSB Bank is fairly valued with a PE ratio of 11.97, outperforming the Sensex with a 1-year stock return of 37.22%, while its return on equity is 13.32% and net NPA to book value is 4.78%.

As of 23 October 2025, the valuation grade for CSB Bank has moved from expensive to fair. The company is currently fairly valued, with a PE ratio of 11.97, a Price to Book Value of 1.59, and a PEG ratio of 1.28. In comparison to peers, HDFC Bank is considered expensive with a PE ratio of 21.79, while ICICI Bank is fairly valued at a PE of 19.66. <BR><BR>CSB Bank's return on equity stands at 13.32%, and its net NPA to book value is 4.78%, indicating a reasonable risk profile within the private sector banking space. Notably, CSB Bank has outperformed the Sensex in various time frames, including a 1-year stock return of 37.22% compared to the Sensex's 5.59%, reinforcing its current valuation stance.

Who are the top shareholders of the CSB Bank?

The top shareholders of CSB Bank include Fih Mauritius Investments Ltd with 40%, mutual funds at 15.93%, foreign institutional investors at 13.07%, and the SBI Small Cap Fund as the largest public shareholder with 8.66%. Individual investors hold 17.47% of the shares.

The top shareholders of CSB Bank include Fih Mauritius Investments Ltd, which holds the largest stake at 40%. Other significant shareholders are mutual funds, which collectively hold 15.93% through 14 schemes, and foreign institutional investors (FIIs) with a combined holding of 13.07% from 68 FIIs. Additionally, the SBI Small Cap Fund is the highest public shareholder with 8.66%. Individual investors also have a notable presence, holding 17.47% of the shares.

When is the next results date for CSB Bank?

No Upcoming Board Meetings

Has CSB Bank declared dividend?

No Dividend History Available