Stock Performance and Market Context
On 22 Jan 2026, South Indian Bank Ltd (Stock ID: 475365) recorded an intraday high of Rs.46.57, representing a 5.08% increase on the day and outperforming its sector by 4.06%. The stock has been on an upward trajectory, gaining for two consecutive sessions and delivering a cumulative return of 6.51% over this period. This rally has propelled the share price well above its key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling strong technical momentum.
In comparison, the broader market index, Sensex, opened higher at 82,459.66 points with a gain of 550.03 points (0.67%) but was trading slightly lower at 82,302.32 points (0.48%) during the same session. Despite the Sensex being 4.69% shy of its own 52-week high of 86,159.02, it has experienced a three-week consecutive decline, losing 4.03%. Meanwhile, the BSE Mid Cap index led gains with a 1.07% rise, underscoring a selective market strength that South Indian Bank has capitalised on.
Strong Long-Term Growth and Financial Health
South Indian Bank Ltd’s one-year performance stands out with a remarkable 72.70% increase in share price, significantly outpacing the Sensex’s 7.72% gain over the same period. The stock’s 52-week low was Rs.22.12, highlighting the substantial appreciation investors have witnessed in the past year.
The bank’s financial fundamentals underpin this price strength. It boasts a low Gross Non-Performing Asset (NPA) ratio of 2.67%, reflecting prudent lending practices and asset quality. Net NPA is even lower at 0.45%, indicating effective risk management. Profit before tax excluding other income for the December quarter stood at Rs.17.99 crores, marking an impressive growth of 124.6% compared to the previous four-quarter average.
Net profit growth has been robust, with a compound annual growth rate (CAGR) of 77.65%, demonstrating healthy long-term earnings expansion. Over the past year, profits have risen by 11.3%, supporting the stock’s valuation metrics. The company’s return on assets (ROA) is 1%, and it trades at a price-to-book value of 1.1, indicating a fair valuation relative to its peers.
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Institutional Confidence and Market Recognition
Institutional investors hold a significant 34.74% stake in South Indian Bank Ltd, reflecting strong backing from entities with extensive analytical resources. This institutional holding has increased by 4.91% over the previous quarter, signalling growing confidence in the bank’s fundamentals.
South Indian Bank Ltd is rated highly by MarketsMojo, with a Mojo Score of 75.0 and a Mojo Grade upgraded from Hold to Buy as of 6 Jan 2026. The company ranks among the top 1% of over 4,000 stocks analysed by MarketsMojo, underscoring its quality and market standing. Its Market Cap Grade is 3, indicating a mid-tier market capitalisation within its sector.
Valuation and Profitability Metrics
The stock’s price-to-earnings-to-growth (PEG) ratio stands at 0.7, suggesting that the stock is reasonably valued relative to its earnings growth prospects. Over the last year, the stock has generated returns of 72.92%, while profits have increased by 11.3%, highlighting a favourable balance between price appreciation and earnings growth.
Return on assets at 1% and a price-to-book value of 1.1 further indicate that the stock is trading at a fair valuation compared to its peers, supporting the sustainability of its recent gains.
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Comparative Market Performance
South Indian Bank Ltd’s market-beating performance extends beyond the last year. It has outperformed the BSE500 index over the last three years, one year, and three months, demonstrating consistent strength relative to a broad market benchmark. This sustained outperformance is a testament to the company’s solid fundamentals and effective execution within the private sector banking industry.
The stock’s rise to Rs.46.57 marks a new all-time high, more than doubling from its 52-week low of Rs.22.12. This milestone reflects a combination of strong earnings growth, improving asset quality, and positive market sentiment, all contributing to the stock’s upward momentum.
Summary of Key Metrics
To summarise, South Indian Bank Ltd’s recent achievements include:
- New 52-week and all-time high of Rs.46.57
- Two consecutive days of gains totalling 6.51%
- Gross NPA ratio at a low 2.67% and Net NPA at 0.45%
- Net profit CAGR of 77.65% over the long term
- Profit before tax excluding other income up 124.6% in the latest quarter
- Institutional holdings increased to 34.74%
- Mojo Score of 75.0 with an upgraded Mojo Grade to Buy
- Price-to-book value of 1.1 and PEG ratio of 0.7 indicating fair valuation
These factors collectively underpin the stock’s strong performance and its recent milestone of reaching a new 52-week high.
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