ScoreWhy is CSB Bank Ltd ?
1
The Bank has a high Capital Adequacy Ratio of 21.10% signifying high buffers against its risk based assets
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 22.81% and Net profit at 46.85%
3
Positive results in Sep 25
- CREDIT DEPOSIT RATIO(HY) Highest at 86.41%
- INTEREST EARNED(Q) Highest at Rs 1,109.16 cr
- NII(Q) Highest at Rs 423.56 cr
4
With ROA of 1.2, it has a Fair valuation with a 1.4 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 24.13%, its profits have risen by 12.3% ; the PEG ratio of the company is 0.9
5
High Institutional Holdings at 30.33%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating performance in long term as well as near term
- Along with generating 24.13% returns in the last 1 year, the stock has outperformed 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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
CSB Bank
25.55%
0.77
31.50%
Sensex
4.84%
0.40
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
22.81%
Net Profit Growth (5y)
46.85%
Advance to Deposit
82.90%
Capital Adequacy Ratio (Tier 1)
21.10%
Gross NPA (latest)
1.81%
Gross NPA (avg)
2.10%
Coverage Ratio (avg)
61.72%
Cost to Income (avg)
60.34%
Net Interest Margin (avg)
5.06%
Operating Profit to Assets (avg)
6.76%
ROA (avg)
1.53%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Price to Book Value
1.44
PEG Ratio
0.89
Dividend Yield
NA
ROE (Latest)
13.21%
ROA (Latest)
1.24%
Net NPA to Book Value
3.80
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 86.41%
INTEREST EARNED(Q)
Highest at Rs 1,109.16 cr
NII(Q)
Highest at Rs 423.56 cr
NET NPA(Q)
Lowest at 0.52%
-7What is not working for the Company
PBDIT(Q)
Lowest at Rs -69.90 cr.
PBT LESS OI(Q)
Lowest at Rs -133.55 cr.
NON-OPERATING INCOME(Q)
is 161.93 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for CSB Bank
Interest Earned - Quarterly
Highest at Rs 1,109.16 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 423.56 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 86.41% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net NPA - Quarterly
Lowest at 0.52%
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 Before Tax less Other Income (PBT) - Quarterly
At Rs -133.55 cr has Fallen at -124.2% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -59.58 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs -69.90 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs -133.55 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 161.93 % 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
CAR - Quarterly
Lowest at 20.99%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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