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Overview

Detailed Summary

CSB Bank, formerly known as The Catholic Syrian Bank, is a leading private sector bank in India with a significant presence in Kerala and expanding reach across India. It offers a broad range of banking services including SME, retail, corporate banking, and treasury operations.
During Q3 FY26, CSB Bank showed impressive financial growth despite a challenging environment. Its gross advances increased by 29% year-on-year to ₹37,161 crore, and deposits grew by 21% to ₹40,460 crore, demonstrating robust business expansion.
Operating profit for the bank grew significantly by 32% year-on-year, reaching ₹292 crore, largely driven by a 21% increase in net interest income and conscious cost management despite a flat profit after tax.
CSB Bank has been focusing on technology transformation to bolster its operational capabilities and customer service. The bank has successfully transitioned to a new core banking system, Oracle ‘Flexcube,’ among other technological enhancements.
Moving forward, CSB Bank’s strategic roadmap includes shifting toward a mid-sized, new-age bank with a national footprint by 2030, focusing on enhancing customer-centric operations and leveraging strategic partnerships to drive growth.

Sector: Banks
Industry: Private Sector Bank
Market Cap: 6,145 Cr
Volatility: High Risk
P/E Ratio: 9.7
Industry P/E: 12.8
PEG Ratio: 0.3
P/B Ratio: 1.3
52W High: 574.70
52W Low: 322.10

Sales CAGR

1Y: 22.87%
3Y: 20.85%
5Y: 18.96%
10Y: 10.35%

Profit CAGR

1Y: 4.76%
3Y: 9.00%
5Y: 115.67%
10Y: —

ROE

TTM: 12.94%
3Y: 14.85%
5Y: 14.60%
10Y: 8.68%

ROCE

TTM: 6.30%
3Y: 11.56%
5Y: 11.95%
10Y: 12.81%

Technicals

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Analyst Target, Price, EPS and Revenue Projections
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Peers

Financial Services Financial Services Banks Private Sector Bank

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
J&KBANK		157.25	16,843 Cr	7.14	1.10	0.00	14.35	5.41	1.25
TMB		771.95	12,151 Cr	9.08	1.20	1.63	13.23	6.77	1.93
SOUTHBANK		46.66	11,866 Cr	8.15	1.04	0.99	12.75	5.90	1.03
KTKBANK		275.30	10,022 Cr	7.65	0.79	1.89	9.91	5.77	1.01
CSBBANK		365.60	6,145 Cr	9.70	1.30	0.00	12.94	6.30	1.26
DCBBANK		179.10	5,615 Cr	7.68	0.90	0.83	11.19	6.73	0.91
DHANBANK		32.50	1,239 Cr	12.06	0.94	0.00	6.97	5.26	0.53
Median: 7 Co.	—	179.10	10,022 Cr	8.15	1.04	0.83	12.75	5.90	1.03

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	762	795	832	865	919	981	1,041	1,109	1,154	1,201
Expenses	308	376	381	380	391	496	465	557	524	500
Interest	379	409	470	497	544	610	662	686	701	737
Financing Profit	75	9.89	-19	-13	-15	-125	-85	-134	-71	-36
Financing Margin %	9.85	1.24	-2.33	-1.50	-1.66	-12.74	-8.18	-12.04	-6.16	-2.96
Other Income	125	197	172	199	219	381	245	349	276	306
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	200	206	152	186	204	257	160	216	205	271
Tax %	25.17	26.62	25.66	25.76	25.72	25.77	25.65	25.65	25.65	25.52
Net Profit	150	151	113	138	152	190	119	160	153	202
EPS in Rs	8.64	8.73	6.53	7.98	8.74	10.98	6.84	9.24	8.80	11.62
Gross NPA %	1.22	1.47	1.69	1.68	1.58	1.57	1.84	0.00	1.96	1.66
Net NPA %	0.31	0.51	0.68	0.69	0.64	0.52	0.66	0.00	0.67	0.40

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1,336	1,297	1,348	1,510	1,872	2,038	2,320	2,928	3,597	3,806
Expenses	589	644	859	656	911	748	873	1,244	1,572	1,732
Interest	1,023	912	908	918	931	885	986	1,451	2,121	2,312
Financing Profit	-275	-259	-419	-64	30	405	461	233	-96	-238
Financing Margin %	-20.59	-19.99	-31.13	-4.24	1.61	19.89	19.86	7.95	-2.67	-6.26
Other Income	281	125	136	222	303	247	316	584	972	1,045
Depreciation	15	16	17	24	41	38	43	56	76	0.00
Profit Before Tax	-8.91	-149	-300	134	293	614	734	761	800	807
Tax %	117.46	34.74	34.22	90.50	25.35	25.36	25.38	25.56	25.73	25.73
Net Profit	1.55	-97	-197	13	218	458	547	567	594	599
EPS in Rs	—	—	—	7.26	12.58	26.43	31.55	32.67	34.23	36.50
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	72	81	81	86	174	174	174	174	174	174
Reserves	821	918	808	1,346	1,787	2,007	2,478	3,030	3,630	4,324
Borrowings	14,480	14,953	14,732	15,124	16,585	20,566	22,195	25,289	31,476	42,408
Other Liabilities	279	271	249	356	319	591	509	670	776	931
Total Liabilities	15,652	16,223	15,870	16,911	18,864	23,337	25,356	29,162	36,056	47,836
Fixed Assets	215	215	216	218	253	269	288	319	406	450
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	179
Investments	5,987	5,762	4,114	4,028	5,360	6,126	7,012	5,849	7,551	11,389
Other Assets	9,450	10,246	11,540	12,666	13,251	16,942	18,057	22,994	28,099	35,818
Total Assets	15,652	16,223	15,870	16,911	18,864	23,337	25,356	29,162	36,056	47,836

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-166	395	27	-893	-1,109	1,374	-852	2,211	1,783	-5,256
Cash from Investing Activity	-13	-17	-18	-22	-235	-1,231	131	-724	-1,439	1,904
Cash from Financing Activity	106	106	-5.07	674	1,310	632	581	-1,224	974	3,789
Net Cash Flow	-72	485	3.98	-242	-34	775	-140	263	1,318	437

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	51.20%	51.20%	51.19%	51.06%	41.04%	41.04%	41.04%	40.98%	40.98%	40.98%	40.96%	40.95%
FIIs	6.07%	4.79%	4.76%	5.06%	12.75%	13.03%	13.13%	13.40%	15.75%	14.57%	14.50%	13.15%
DIIs	12.61%	14.83%	16.59%	16.44%	19.26%	18.10%	17.50%	17.30%	14.99%	16.50%	16.01%	15.58%
Public	30.12%	29.19%	27.46%	27.44%	26.95%	27.82%	28.34%	28.32%	28.29%	27.95%	28.53%	30.33%
Total Shareholders	57,087	55,529	62,958	63,497	67,004	76,579	78,654	78,236	65,044	64,754	63,067	65,328

Market Transactions

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Projection

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q4 FY26

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Available on Pro Plan