The South Indian Bank Limited
SOUTHBANK · General/Diversified · NSE
₹38
Current Market Price
Fair Value (DCF)
₹101
Margin of Safety
+163.1%
Updated 1h ago
YieldIQ Score
65/100
Piotroski F-Score
4/9
Economic Moat
Wide
Confidence
56%
ROE
12.9%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.10 Lakh 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
0.04×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹38.42
Bear case
₹55.62
MoS +30.9%
Base case
₹101.09
MoS +62.0%
Bull case
₹115.49
MoS +66.7%
Ratio Trends
SOUTHBANK · last 7 annual periods
ROE
12.9%
ROCE
—
Operating Margin
—
Debt / Equity
0.26×
PE
—
EV / EBITDA
—
Historical Financials
SOUTHBANK · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | ₹5303 Cr | +0.0% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | — | — | — | — | ₹1303 Cr | +0.0% |
| EPS (diluted) | ₹0.34 | ₹1.30 | ₹3.70 | ₹1.35 | — | +41.2% |
| CFO | — | — | — | — | ₹-2353 Cr | — |
| CapEx | — | — | — | — | ₹-158 Cr | — |
| FCF | — | — | — | — | ₹-2511 Cr | — |
| Total Assets | — | ₹100.1K Cr | ₹107.7K Cr | ₹117.4K Cr | ₹124.7K Cr | +5.7% |
| Total Debt | — | — | — | — | ₹2600 Cr | +0.0% |
| Shareholders' Equity | — | — | — | — | ₹10.1K Cr | +0.0% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
SOUTHBANK vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| TMB Tamilnad Mercantile Bank Limited | +169.3% | 48 | Undervalued | 13.1% | — |
| UJJIVANSFB Ujjivan Small Finance Bank Limited | +114.1% | 48 | Undervalued | 11.9% | — |
| KTKBANK KTKBANK | — | — | Pending | 10.5% | — |
| EQUITASBNK EQUITAS SMALL FIN BNK LTD | +185.6% | 66 | Undervalued | 2.4% | — |
| J&KBANK J&KBANK | — | — | Pending | 14.7% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for SOUTHBANK in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. The South Indian Bank Limited (SOUTHBANK.NS) trades at 38.42 vs a model fair value of 101.09, a gap of 163.1%. Piotroski F-score: 4/9. Mo...
Read full AI analysis →Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of SOUTHBANK →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for SOUTHBANK →
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Head-to-head with peers
Compare SOUTHBANK side by side →
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Analyse SOUTHBANKNow →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.