Central Bank of India (CENTRALBK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Bank Of Baroda

Canara Bank

Bank Of India

Bank of Maha

Indian Bank

Punjab Natl.Bank

Union Bank (I)

I O B

UCO Bank

Central Bank

Pun. & Sind Bank

Why is Central Bank of India ?

Strong Long Term Fundamental Strength with a 43.38% CAGR growth in Net Profits

Healthy long term growth as Net profit has grown by an annual rate of 43.38%

Positive results in Sep 25

OPERATING CF(Y) Highest at Rs -2,468.93 Cr
GROSS NPA(Q) Lowest at 3.01%
PAT(Q) Highest at Rs 1,212.88 cr.

With ROA of 0.9, it has a Very Attractive valuation with a 0.9 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -38.65%, its profits have risen by 31.8% ; the PEG ratio of the company is 0.3

Majority shareholders : Promoters

Underperformed the market in the last 1 year

Even though the market (BSE500) has generated returns of 2.12% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -38.65% returns

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Central Bank should be less than 10%
Overall Portfolio exposure to Public 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 Public Sector Bank)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Central Bank for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

Central Bank

-38.65%

-1.04

37.04%

Sensex

4.83%

0.41

11.83%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Net Interest Income Growth (5y)

10.85%

Net Profit Growth (5y)

43.38%

Advance to Deposit

57.26%

Capital Adequacy Ratio (Tier 1)

12.86%

Gross NPA (latest)

3.01%

Gross NPA (avg)

7.48%

Coverage Ratio (avg)

76.34%

Cost to Income (avg)

57.86%

Net Interest Margin (avg)

3.18%

Operating Profit to Assets (avg)

4.11%

ROA (avg)

0.46%

Net Debt to Equity (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Price to Book Value

0.88

PEG Ratio

0.29

Dividend Yield

1.35%

ROE (Latest)

11.50%

ROA (Latest)

0.87%

Net NPA to Book Value

3.59

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bullish

Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

19What is working for the Company

OPERATING CF(Y)

Highest at Rs -2,468.93 Cr

GROSS NPA(Q)

Lowest at 3.01%

PAT(Q)

Highest at Rs 1,212.88 cr.

NET NPA(Q)

Lowest at 0.48%

DPS(Y)

Highest at Rs 0.19

DPR(Y)

Highest at 4.48%

CASH AND CASH EQUIVALENTS(HY)

Highest at Rs 25,921.46 cr

INTEREST EARNED(Q)

Highest at Rs 8,743.11 cr

EPS(Q)

Highest at Rs 1.34

-4What is not working for the Company

NII(Q)

Lowest at Rs 3,282.82 cr

NON-OPERATING INCOME(Q)

is 102.39 % of Profit Before Tax (PBT

Loading Valuation Snapshot...

Here's what is working for Central Bank

Gross NPA - Quarterly

Lowest at 3.01% and Fallen

each quarter in the last five quarters

MOJO Watch

Proportion of stressed loans given by the bank are falling

Gross NPA (%)

Operating Cash Flow - Annually

Highest at Rs -2,468.93 Cr and Grown

each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (Rs Cr)

Profit After Tax (PAT) - Quarterly

Highest at Rs 1,212.88 cr. and Grown

each quarter in the last five quarters

MOJO Watch

Near term PAT trend is very positive

PAT (Rs Cr)

Net NPA - Quarterly

Lowest at 0.48% and Fallen

each quarter in the last five quarters

MOJO Watch

Proportion of stressed loans given by the bank are falling

Net NPA (%)

Interest Earned - Quarterly

Highest at Rs 8,743.11 cr

in the last five quarters

MOJO Watch

Near term sales trend is positive

Interest Earned (Rs Cr)

Earnings per Share (EPS) - Quarterly

Highest at Rs 1.34

in the last five quarters

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (Rs)

Cash and Cash Equivalents - Half Yearly

Highest at Rs 25,921.46 cr

in the last six half yearly periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per Share (DPS) - Annually

Highest at Rs 0.19

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (Rs)

Dividend Payout Ratio (DPR) - Annually

Highest at 4.48%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Central Bank

Net Interest Income (Quarterly)

Lowest at Rs 3,282.82 cr

in the last five quarters

MOJO Watch

The bank's income from core business is falling

Net Interest Income (Rs Cr)

Non Operating Income - Quarterly

is 102.39 % 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