CSB BANK LIMITED

CSBBANK · General/Diversified · NSE

₹403

Current Market Price

Undervalued

Fair Value (DCF)

₹525

Margin of Safety

+30.5%

Updated 1d ago

DCF Sensitivity →

YieldIQ Score

54/100

Piotroski F-Score

4/9

Economic Moat

Narrow

Confidence

33%

ROE

Debt/Equity

0.00

WACC

11.1%

Market Cap

₹6,823 Cr

Quality & Valuation

Neutral model outputs — no recommendations.

ROCE

Return on capital employed

EV / EBITDA

Enterprise multiple

Debt / EBITDA

Leverage vs earnings

Interest Coverage

EBIT covers interest

Current Ratio

Short-term liquidity

Asset Turnover

0.05×

Revenue per ₹ of assets

Revenue CAGR (3Y)

20.5%

3-year revenue growth

Revenue CAGR (5Y)

5-year revenue growth

DCF Scenario Analysis

vs CMP ₹402.6

Bear case

₹300.95

MoS -33.8%

Base case

₹525.46

MoS +23.4%

Bull case

₹684.41

MoS +41.2%

Ratio Trends

CSBBANK · last 6 annual periods

ROE

13.2%

min 13.2%max 17.1%

ROCE

min max

Operating Margin

min max

Debt / Equity

1.17×

min 0.24×max 1.17×

PE

7.6×

min 7.6×max 7.6×

EV / EBITDA

min max

Historical Financials

CSBBANK · Annual, last 5 years· amounts in ₹Cr unless noted

Metric20212022202320242025CAGR
Revenue₹1650 Cr₹2448 Cr+10.4%
EBITDA
EBIT
PAT₹547 Cr₹594 Cr+2.1%
EPS (diluted)₹12.59₹26.43₹8.73-8.7%
CFO₹2211 Cr₹-5256 Cr
CapEx₹-75.2 Cr₹-300 Cr
FCF₹2136 Cr₹-5556 Cr
Total Assets₹25.4K Cr₹29.2K Cr₹36.1K Cr₹47.8K Cr+17.2%
Total Debt₹783 Cr₹5246 Cr+60.9%
Shareholders' Equity₹3204 Cr₹4498 Cr+8.9%

CAGR computed across the visible window. Signs reverse if start value is zero or negative.

Peer Comparison

CSBBANK vs 5 closest peers by market-cap band

PeerMoSScoreVerdictROEPE
EQUITASBNK

EQUITASBNK

Pending2.4%
DCBBANK

DCBBANK

Pending10.8%
KTKBANK

KTKBANK

Pending10.5%
SOUTHBANK

SOUTHBANK

Pending12.9%
TMB

TMB

Pending13.1%

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Dividend History

No dividend events recorded for CSBBANK in the last 10 years.

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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.