Central Bank of India
CENTRALBK · Banking · NSE
₹32
Current Market Price
Fair Value (P/B + Residual Income)
₹42
Discount to FV
+31.5%
Updated 22m ago
YieldIQ Score
50/100
Piotroski F-Score
9/9
Economic Moat
Moderate
Confidence
90%
ROE
11.6%
Debt/Equity
0.82
Cost of Equity
9.8%
Market Cap
₹28,946 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
9.1%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹31.98
Bear case
Margin of Safety -9.4%
Implied upside -8.6%
Base case
Margin of Safety +19.3%
Implied upside +23.9%
Bull case
Margin of Safety +29.3%
Implied upside +41.5%
Ratio Trends
CENTRALBK · last 7 annual periods
ROE
11.6%
ROCE
—
Operating Margin
—
Debt / Equity
0.82×
PE
6.3×
EV / EBITDA
—
Historical Financials
CENTRALBK · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹12.5K Cr | ₹15.8K Cr | ₹17.7K Cr | ₹19.6K Cr | ₹20.6K Cr | +13.3% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹1057 Cr | ₹1679 Cr | ₹2668 Cr | ₹3934 Cr | ₹4524 Cr | +43.8% |
| EPS (diluted) | ₹1.31 | ₹0.00 | ₹3.07 | — | — | +23.7% |
| CFO | ₹14.3K Cr | ₹-8786 Cr | ₹-5910 Cr | ₹-2460 Cr | ₹2804 Cr | -33.4% |
| CapEx | ₹-158 Cr | ₹-212 Cr | ₹-587 Cr | ₹-455 Cr | ₹-458 Cr | — |
| FCF | ₹14.1K Cr | ₹-8999 Cr | ₹-6497 Cr | ₹-2915 Cr | ₹2346 Cr | -36.2% |
| Total Assets | ₹387.3K Cr | ₹407.1K Cr | ₹447.8K Cr | ₹480.5K Cr | ₹551.1K Cr | +9.2% |
| Total Debt | ₹5899 Cr | ₹6570 Cr | ₹9003 Cr | ₹12.9K Cr | ₹31.9K Cr | +52.4% |
| Shareholders' Equity | ₹27.5K Cr | ₹29.2K Cr | ₹32.4K Cr | ₹36.9K Cr | ₹39.0K Cr | +9.1% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
CENTRALBK vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 UCOBANK UCO Bank | -3.4%-3.3% upside | 63 | Near Fair Value | 8.3% | — |
 IOB Indian Overseas Bank | -46.6%-31.8% upside | 50 | Above Fair Value | 14.7% | 11.2× |
 BANKINDIA Bank of India | +22.2%+28.5% upside | 65 | Below Fair Value | 11.5% | 6.1× |
 MAHABANK Bank of Maharashtra | -44.7%-30.9% upside | 45 | Above Fair Value | 21.1% | 6.7× |
 INDIANB Indian Bank | -21.8%-17.9% upside | 65 | Above Fair Value | 14.6% | 9.7× |
Click a ticker to view its fair-value analysis.
Dividend History
4 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹0.79/sh
Last payout
2026-01-23
₹0.20
Peak payout
₹0.20
Trailing yield
2.46%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Central Bank of India (CENTRALBK.NS) trades at 31.98 vs a model fair value of 42.05, a gap of 31.5%. Piotroski F-score: 9/9. Moat label: ...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of CENTRALBK →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
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BSE filings + news for CENTRALBK →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse CENTRALBKNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.