South Ind.Bank

Why is South Indian Bank Ltd falling/rising?

As of 02-Aug, South Indian Bank Ltd's stock price is at 46.71, showing a minor decline but a year-to-date increase of 21.86% and a 57.22% rise over the past year. Strong fundamentals and institutional support indicate potential for future growth despite current short-term fluctuations.

As of 02-Aug, South Indian Bank Ltd's stock price is currently at 46.71, reflecting a slight decrease of 0.15 or 0.32%. Despite this minor decline, the stock has shown strong performance over various periods, with a year-to-date increase of 21.86% and a remarkable 57.22% rise over the past year. <BR><BR>The stock's performance today is reported as inline with the sector, and it is trading above its 20-day, 50-day, 100-day, and 200-day moving averages, although it is below the 5-day moving average. This indicates a generally positive trend over the longer term, despite the short-term fluctuation. However, there has been a notable decline in investor participation, with delivery volume dropping by 61.07% compared to the 5-day average, which could contribute to the current price decline.<BR><BR>On a positive note, the bank's fundamentals remain strong, characterized by a low Gross NPA ratio of 1.38% and a high Capital Adequacy Ratio of 16.68%. The bank has also reported significant growth in net profit, with an annual growth rate of 176.71%, and has declared positive results for the last three consecutive quarters. These factors suggest a solid underlying performance that could support future price increases.<BR><BR>Additionally, the stock is considered a strong buy due to its attractive valuation and high institutional holdings at 39.64%, which have increased by 2.67% over the previous quarter. This indicates confidence from institutional investors, who typically have more resources to analyze the company's fundamentals.<BR><BR>In summary, while South Indian Bank Ltd is experiencing a slight decline in its stock price at present, its strong historical performance, solid fundamentals, and institutional support suggest that the stock has the potential for recovery and continued growth in the future.

Which are the latest news on South Ind.Bank?

Should I buy, sell or hold South Indian Bank Ltd?

Are South Indian Bank Ltd latest results good or bad?

South Indian Bank Ltd's latest Q1 FY27 results are good, with a 17.29% increase in net profit to ₹377.63 crores, driven by a 23.08% rise in net interest income and improved asset quality, as evidenced by a decline in gross NPA ratio to 1.38%. The bank's strong capital adequacy ratio of 19.62% and exceptional 45.74% stock return over the past year further highlight its positive performance.

South Indian Bank Ltd's latest results for Q1 FY27 can be characterized as good overall, reflecting a strong operational performance and significant improvements in key financial metrics.<BR><BR>The bank reported a net profit of ₹377.63 crores, which is a 17.29% increase year-on-year. This growth is supported by a notable rise in net interest income (NII), which surged by 23.08% to ₹1,024.72 crores, driven by an expanding loan book and improved net interest margin (NIM) of 3.23%, up from 2.95% in the previous quarter.<BR><BR>Additionally, the asset quality has shown remarkable improvement, with the gross non-performing asset (NPA) ratio declining to 1.38% from 3.15% a year ago, and the net NPA ratio compressing to just 0.26%. This positions South Indian Bank among the better-performing banks in terms of asset quality within its peer group.<BR><BR>While the bank's total income grew modestly by 0.77% year-on-year, the significant reduction in provisions—down 64.75%—also contributed positively to the bottom line. The bank's capital adequacy ratio remains strong at 19.62%, providing a solid buffer for future growth.<BR><BR>In terms of stock performance, despite a slight decline recently, South Indian Bank's shares have delivered exceptional returns of 45.74% over the past year, significantly outperforming the broader market.<BR><BR>Overall, the results indicate a positive trajectory for South Indian Bank, showcasing robust profitability, improved asset quality, and a favorable valuation relative to its peers.

When is the next results date for South Indian Bank Ltd?

The next results date for South Indian Bank Ltd is July 16, 2026.

The next results date for South Indian Bank Ltd is scheduled for July 16, 2026.

Who are in the management team of South Ind.Bank?

The management team of South Ind.Bank includes Murali Ramakrishnan (Managing Director & CEO), Jimmy Mathew (Company Secretary), Salim Gangadharan (Chairman), and several directors, overseeing the bank's strategic direction and governance.

The management team of South Ind.Bank includes the following individuals:<BR><BR>1. **Murali Ramakrishnan** - Managing Director & CEO<BR>2. **Jimmy Mathew** - Company Secretary & Compliance Officer<BR>3. **Salim Gangadharan** - Chairman (Non-Executive)<BR>4. **V J Kurian** - Part Time Chairman<BR>5. **M George Korah** - Independent Director<BR>6. **Pradeep M Godbole** - Non-Executive Director<BR>7. **Paul Antony** - Non-Executive Director<BR>8. **R A Sankaranarayanan** - Independent Director<BR>9. **Radha Unni** - Independent Director<BR>10. **Benny P Thomas** - Director<BR><BR>This team oversees the strategic direction and governance of the bank. If you need more specific information about any of the members or their roles, feel free to ask!

Who are the peers of the South Ind.Bank?

Peers of South Ind.Bank include Bandhan Bank, Karur Vysya Bank, RBL Bank, and others. South Ind.Bank shows good management risk and growth, with a 1-year return of 47.06%, lower than RBL Bank's 64.20% but higher than CSB Bank's -7.40%.

Peers: The peers of South Ind.Bank are Bandhan Bank, Karur Vysya Bank, RBL Bank, City Union Bank, J&K Bank, T N Merc. Bank, Karnataka Bank, CSB Bank, DCB Bank, and Dhanlaxmi Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bandhan Bank and Karur Vysya Bank, while Average management risk is found at RBL Bank, T N Merc. Bank, and CSB Bank. Good management risk is noted at City Union Bank, J&K Bank, South Ind.Bank, Karnataka Bank, and DCB Bank. For growth, Excellent growth is seen at Karur Vysya Bank and CSB Bank, while Below Average growth is noted at Bandhan Bank and Average growth at T N Merc. Bank and Dhanlaxmi Bank. Good growth is reported at RBL Bank, City Union Bank, J&K Bank, South Ind.Bank, Karnataka Bank, and DCB Bank. In terms of Capital Structure, Excellent capital structure is observed at Bandhan Bank, Karur Vysya Bank, City Union Bank, T N Merc. Bank, South Ind.Bank, Karnataka Bank, and CSB Bank, while Good capital structure is found at RBL Bank, J&K Bank, DCB Bank, and Dhanlaxmi Bank.<BR><BR>Return Snapshot: The peer with the highest 1-year return is RBL Bank at 64.20%, while the lowest is CSB Bank at -7.40%. South Ind.Bank's 1-year return is 47.06%, which is significantly higher than CSB Bank's but lower than RBL Bank's. Additionally, CSB Bank and DCB Bank have negative six-month returns.

What does South Ind.Bank do?

South Indian Bank Ltd is a private sector bank established in 1929, primarily operating in the small cap market segment. As of March 2026, it reported net sales of ₹2,559.48 Cr and a net profit of ₹408 Cr, with a market capitalization of ₹11,821 Cr.

Overview: <BR>South Indian Bank Ltd is a private sector bank operating in the small cap market segment.<BR><BR>History: <BR>The South Indian Bank was incorporated on 29 January, 1929, in Thrissur and was converted into a Public Limited Company on 11 August, 1939. The latest quarterly results reported are for March 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 2,559.48 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 408 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 11,821 Cr (Small Cap)<BR><BR>Key Metrics: <BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 0.87% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details: <BR>Address: SIB House T B Road, Mission Quarters Thrissur Kerala : 680001 <BR>Phone: 91-487-2420020 <BR>Email: sibcorporate@sib.co.in <BR>Website: http://www.southindianbank.com

Is South Ind.Bank overvalued or undervalued?

As of November 26, 2025, South Ind.Bank is fairly valued with a PE ratio of 7.67 and a Price to Book Value of 0.98, showing reasonable valuation compared to peers like HDFC Bank and ICICI Bank, despite a strong year-to-date return of 58.95%.

As of 26 November 2025, the valuation grade for South Ind.Bank has moved from attractive to fair. The bank appears to be fairly valued at this time. Key ratios include a PE ratio of 7.67, a Price to Book Value of 0.98, and a PEG ratio of 0.64, indicating a reasonable valuation relative to its earnings growth potential.<BR><BR>In comparison to its peers, HDFC Bank is considered expensive with a PE ratio of 21.7, while ICICI Bank is fairly valued with a PE of 19.84. South Ind.Bank's net NPA to book value stands at 4.76%, which is a notable figure in assessing its asset quality. Despite recent stock performance showing a significant year-to-date return of 58.95% compared to the Sensex's 9.56%, the current valuation suggests that South Ind.Bank is neither undervalued nor overvalued, but rather fairly valued in the market context.

Is South Ind.Bank technically bullish or bearish?

As of October 17, 2025, South Ind.Bank's trend is bullish, supported by positive MACD and moving averages, though caution is advised due to a bearish monthly RSI.

As of 17 October 2025, the technical trend has changed from mildly bullish to bullish. The current stance is bullish, with strength indicated by the weekly and monthly MACD being bullish, and daily moving averages also showing bullish signals. The Bollinger Bands are bullish on a monthly basis and mildly bullish weekly. However, the monthly RSI is bearish, which suggests some caution. Overall, the bullish indicators outweigh the bearish signals, supporting a positive outlook for South Ind.Bank.

How has been the historical performance of South Ind.Bank?

South Ind.Bank has shown strong historical performance from March 2023 to March 2025, with significant increases in interest earned, net interest income, total income, and profits, alongside growth in total assets and deposits. The bank maintained a robust capital adequacy ratio of 19.31% and improved its provision coverage ratio to 85.03%.

Answer:<BR>The historical performance of South Ind.Bank shows a positive trend in various financial metrics over the years, particularly from March 2023 to March 2025.<BR><BR>Breakdown:<BR>South Ind.Bank's interest earned increased significantly from 7,233.18 Cr in March 2023 to 9,413.31 Cr in March 2025, reflecting a robust growth in income from investments and advances. The net interest income also rose from 3,012.08 Cr in March 2023 to 3,485.64 Cr in March 2025, indicating improved profitability. Total income followed suit, climbing from 8,045.81 Cr in March 2023 to 11,226.74 Cr in March 2025. Despite a rise in interest expended, which reached 5,927.67 Cr in March 2025, the profit before tax surged to 1,756.89 Cr, up from 1,108.21 Cr in March 2023. Consequently, profit after tax also saw a significant increase, moving from 775.09 Cr in March 2023 to 1,302.88 Cr in March 2025. The bank's total assets grew from 1,08,009.99 Cr in March 2023 to 1,24,858.86 Cr in March 2025, supported by an increase in deposits from 91,651.35 Cr to 1,07,525.60 Cr during the same period. The capital adequacy ratio remained strong, standing at 19.31% in March 2025, while the provision coverage ratio improved to 85.03%. Overall, the bank demonstrated a solid financial performance with increasing profitability, asset growth, and a stable capital position.

How big is South Ind.Bank?

As of 24th July, South Indian Bank Ltd has a market capitalization of 7,729.00 Cr and reported a Net Profit of 1,330.70 Cr, with Shareholder's Funds at 8,826.18 Cr and Total Assets of 1,17,638.05 Cr. There is no valid sales data available for the latest four quarters.

As of 24th July, South Indian Bank Ltd has a market capitalization of 7,729.00 Cr, categorizing it as a Mid Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 0.00 Cr, indicating no valid sales data found for summing. The Net Profit for the same period was 1,330.70 Cr.<BR><BR>The latest annual reporting period for the balance sheet is March 2024. The Shareholder's Funds were recorded at 8,826.18 Cr, while the Total Assets amounted to 1,17,638.05 Cr.

Who are the top shareholders of the South Ind.Bank?

The top shareholders of South Ind.Bank include individual investors with 63.25% of shares, followed by foreign institutional investors at 11.96% and mutual funds at 8.28%. The largest public shareholder is Yusuffali Musaliam Veettil Adbul Kader, holding 4.32%.

The top shareholders of South Ind.Bank are primarily individual investors, who hold a significant 63.25% of the shares. Among institutional investors, mutual funds collectively hold 8.28% through seven schemes, while foreign institutional investors (FIIs) account for 11.96% with 129 different FIIs involved. Notably, the highest public shareholder is Yusuffali Musaliam Veettil Adbul Kader, who holds 4.32%. There are no pledged promoter holdings, and there is no single promoter with the highest holding.

What is the bonus history of the South Ind.Bank?

The South Indian Bank issued a bonus in a 1:4 ratio on October 16, 2008, with a record date of October 17, 2008. This is the most recent bonus action recorded for the bank.

The South Indian Bank has a bonus history that includes a notable issue announced on October 16, 2008. The bank issued a bonus in the ratio of 1:4, meaning that for every four shares held, shareholders received one additional share. The record date for this bonus was October 17, 2008. This was the most recent bonus action recorded for the bank. If you have any more questions about South Indian Bank or its financial activities, feel free to ask!

Has South Ind.Bank declared dividend?

Yes, South Indian Bank Ltd has declared a 30% dividend, amounting to ₹0.3 per share, with an ex-date of August 20, 2024. The dividend yield is 1.03%, and the bank has shown strong total returns across various periods.

South Indian Bank Ltd has declared a 30% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 30%<BR>- Amount per share: 0.3<BR>- Ex-date: 20 Aug 24<BR><BR>Dividend Yield: 1.03%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was 11.41%, with no dividend return, resulting in a total return of 11.41%.<BR><BR>Over the past year, the price return was 7.68%, with a dividend return of 1.10%, leading to a total return of 8.78%.<BR><BR>In the 2-year period, the price return was 70.92%, with a dividend return of 3.61%, culminating in a total return of 74.53%.<BR><BR>For the 3-year period, the price return was 300.66%, with a dividend return of 8.80%, resulting in a total return of 309.46%.<BR><BR>In the last 4 years, the price return was 210.54%, with a dividend return of 4.89%, leading to a total return of 215.43%.<BR><BR>Over the past 5 years, the price return was 337.49%, with a dividend return of 8.06%, culminating in a total return of 345.55%.<BR><BR>Overall, South Indian Bank Ltd has declared a significant dividend while also demonstrating strong total returns across various periods, indicating a positive financial performance. The dividend yield of 1.03% further enhances the attractiveness of the investment.