On 20 Nov 2025, South Indian Bank’s stock price attained Rs.41.65, setting a new 52-week and all-time high benchmark. Despite a slight decline of 1.36% on the day, the stock remains above its key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a strong underlying trend. The stock’s performance today was marginally below the sector’s movement, underperforming by 1.27% relative to its peers.
Examining the stock’s recent trajectory, South Indian Bank experienced three consecutive days of gains before the current pullback, signalling a period of positive momentum leading up to this record price. Over the short term, the stock has outpaced the Sensex benchmark, with a one-week return of 5.66% compared to Sensex’s 1.06%, and a one-month return of 7.14% against Sensex’s 1.20%.
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South Indian Bank’s medium to long-term performance has been particularly robust. Over the past three months, the stock has delivered a return of 34.46%, significantly outstripping the Sensex’s 4.30% gain. The one-year return stands at 76.78%, while the year-to-date return is 61.87%, both substantially higher than the Sensex’s respective 10.05% and 9.26% returns. Over a three-year horizon, the stock has appreciated by 202.98%, compared to the Sensex’s 38.46%, and over five years, the gain is an impressive 548.29%, far exceeding the Sensex’s 94.56% growth. However, over the last decade, the stock’s 141.78% return trails the Sensex’s 230.04%, reflecting different growth phases.
These figures highlight South Indian Bank’s capacity to generate market-beating returns over multiple time frames, underscoring its position as a strong performer within the private sector banking industry. The stock’s ability to sustain gains above key moving averages further supports the view of a well-established upward trend.
From a fundamental perspective, South Indian Bank maintains a low Gross Non-Performing Asset (NPA) ratio of 2.93%, indicating prudent lending practices and effective risk management. The bank’s Capital Adequacy Ratio (CAR) stands at a healthy 15.27%, signalling substantial buffers against risk-weighted assets and a solid capital foundation.
Profitability metrics also reflect positive trends. The bank’s net profit has grown at an annual rate of 70.72%, demonstrating strong earnings momentum. The Return on Assets (ROA) is recorded at 1.00, suggesting efficient utilisation of assets to generate profits. Additionally, the Price to Book Value ratio is 1, indicating that the stock is trading at a fair valuation relative to its book value and peers’ historical averages.
Institutional investors hold a significant stake in South Indian Bank, with 29.83% ownership. This level of institutional holding has increased by 1.15% over the previous quarter, reflecting continued confidence from investors with extensive analytical resources.
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Despite the strong overall performance, some recent quarterly figures indicate areas of caution. The Net Interest Income (NII) for the quarter was recorded at Rs.808.78 crore, the lowest in recent periods. Similarly, the Profit Before Depreciation, Interest and Taxes (PBDIT) stood at Rs.19.83 crore, also at a recent low. The operating profit to net sales ratio for the quarter was 0.82%, marking the lowest level observed. These data points suggest a period of subdued profitability in the short term, though they have not impeded the stock’s upward price movement.
South Indian Bank’s market capitalisation classifies it as a smallcap stock, which often entails higher volatility but also the potential for significant growth. The stock’s recent performance relative to the BSE500 index further emphasises its capacity to outperform broader market indices over the last three months, one year, and three years.
In summary, South Indian Bank’s stock reaching an all-time high of Rs.41.65 is a testament to its sustained growth trajectory, supported by strong fundamentals, prudent capital management, and consistent profitability over the years. While short-term fluctuations are evident, the bank’s long-term performance metrics and valuation indicators provide a comprehensive picture of its market standing within the private sector banking industry.
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