ScoreWhy is CSB Bank Ltd ?
1
The Bank has a high Capital Adequacy Ratio of 21.98% signifying high buffers against its risk based assets
2
Healthy long term growth as Net profit has grown by an annual rate of 24.10%
3
The company has declared Positive results for the last 4 consecutive quarters
- NII(Q) Highest at Rs 478.66 cr
- INTEREST EARNED(9M) At Rs 3,642.41 cr has Grown at 23.84%
- PBDIT(Q) Highest at Rs 22.02 cr.
4
With ROA of 1.2, it has a Very Attractive valuation with a 1.2 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 -4.35%, its profits have risen by 10.9% ; the PEG ratio of the company is 0.8
5
High Institutional Holdings at 27.7%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -4.35% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to CSB Bank should be less than 10%
- Overall Portfolio exposure to Private 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 Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is CSB Bank for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
CSB Bank
-4.06%
-0.09
47.44%
Sensex
-8.95%
-0.67
13.50%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
17.44%
Net Profit Growth (5y)
24.10%
Advance to Deposit
81.08%
Capital Adequacy Ratio (Tier 1)
21.98%
Gross NPA (latest)
1.75%
Gross NPA (avg)
1.67%
Coverage Ratio (avg)
68.91%
Cost to Income (avg)
61.03%
Net Interest Margin (avg)
4.68%
Operating Profit to Assets (avg)
6.41%
ROA (avg)
1.68%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Price to Book Value
1.18
PEG Ratio
0.79
Dividend Yield
NA
ROE (Latest)
13.58%
ROA (Latest)
1.15%
Net NPA to Book Value
3.22
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at Rs 478.66 cr
INTEREST EARNED(9M)
At Rs 3,642.41 cr has Grown at 23.84%
PBDIT(Q)
Highest at Rs 22.02 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 1.71%
PBT LESS OI(Q)
Highest at Rs -27.01 cr.
NET NPA(Q)
Lowest at 0.39%
-3What is not working for the Company
PAT(Q)
At Rs 150.04 cr has Fallen at -5.2% (vs previous 4Q average
NON-OPERATING INCOME(Q)
is 113.39 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for CSB Bank
Net Interest Income (Quarterly)
Highest at Rs 478.66 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 1,287.32 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 22.02 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 1.71%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -27.01 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Net NPA - Quarterly
Lowest at 0.39%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for CSB Bank
Profit After Tax (PAT) - Quarterly
At Rs 150.04 cr has Fallen at -5.2% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 158.30 CrMOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 113.39 % 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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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