Central Bank of India (CENTRALBK) AI Stock Analysis

• Market Cap: ₹326.85B
• Dividend Yield: 0.56%
• Average Volume (3M): 464.52K
• Price to Earnings (P/E): 7.4
• Beta (1Y): 1.68
• Revenue Growth: 9.94%
• EPS Growth: 35.44%
• Country: IN
• Employees: 31,610
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 1.42
• Shares Outstanding: 9,051,401,000
• 10 Day Avg. Volume: 335,252
• 30 Day Avg. Volume: 464,519
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹43.00
• Price Target Upside: 19.08% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 72 Outperform
• Price Target: ₹43.00 ▲(19.08% Upside)

Central Bank of India shows strong financial performance, particularly in revenue growth and profitability, although it faces challenges with cash flow and liabilities. The technical analysis indicates moderate signals with some resistance ahead, while the low P/E ratio suggests potential undervaluation. The absence of significant earnings call data and corporate events limits additional insights.

Central Bank of India Business Overview & Revenue Model

Company Description

Central Bank of India (CENTRALBK) is one of the oldest and largest commercial banks in India, established in 1911. It operates within the financial services sector, offering a wide range of banking products and services. These include retail banking, corporate banking, agricultural banking, international banking, and treasury operations. The bank serves both individual and business clients, providing services such as savings and current accounts, fixed deposits, loans, credit cards, and investment products.

How the Company Makes Money

Central Bank of India generates revenue primarily through interest income from loans and advances, which constitutes a significant portion of its earnings. The bank also earns money through fees and commissions from various services such as transaction processing, account maintenance, and financial advisory. Additionally, the bank invests in government securities and other financial instruments, which provide investment income. Key partnerships with financial technology companies and participation in government-led financial inclusion initiatives further enhance its revenue streams. The bank’s treasury operations, involving foreign exchange and money market activities, also contribute to its overall income.

Central Bank of India Financial Statement Overview

Summary

Central Bank of India demonstrates robust growth in revenue and profitability, supported by strong margins and improving operational efficiency. However, cash flow challenges persist, with negative operating cash flows, and the high level of liabilities requires careful management. Overall, the bank is on a positive financial trajectory but must address cash flow sustainability and leverage risks.

Income Statement

Central Bank of India exhibits strong revenue growth with a significant increase in total revenue from 2024 to 2025. The gross profit margin is healthy, and the net profit margin has improved considerably, reflecting enhanced profitability. EBIT and EBITDA margins also show positive trends, indicating efficient cost management and operational profitability. However, historical fluctuations in EBIT from negative to positive suggest past volatility.

Balance Sheet

The bank maintains a strong equity base, with an improving debt-to-equity ratio, indicating prudent leverage management. Return on Equity has shown an upward trajectory, reflecting the bank's ability to generate profits from shareholders' equity. The equity ratio is stable, suggesting a good balance between assets funded by equity and liabilities. However, the high total liabilities relative to assets may present potential risks if not managed effectively.

Cash Flow

Operating cash flow remains negative, though improving compared to previous years, which could indicate challenges in generating cash from core operations. Free cash flow has shown growth, enhancing the bank's ability to fund operations and investments without relying heavily on external financing. The ratios of operating cash flow and free cash flow to net income suggest reliance on non-operational sources for liquidity, which could be a risk factor.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	396.68B	396.68B	355.77B	297.40B	261.39B	259.61B
Gross Profit	198.38B	198.38B	176.94B	105.19B	83.42B	59.20B
EBITDA	49.78B	45.01B	31.76B	30.68B	20.42B	-10.16B
Net Income	39.34B	39.34B	26.68B	16.79B	10.76B	-8.84B
Balance Sheet
Total Assets	4.80T	4.80T	4.48T	4.07T	3.87T	3.70T
Cash, Cash Equivalents and Short-Term Investments	361.97B	361.97B	376.08B	441.02B	530.97B	389.54B
Total Debt	218.20B	218.20B	213.77B	83.34B	94.73B	69.60B
Total Liabilities	4.43T	4.43T	4.15T	3.78T	3.60T	3.43T
Stockholders Equity	368.81B	368.81B	323.74B	292.17B	275.49B	264.97B
Cash Flow
Free Cash Flow	0.00	-29.15B	-64.97B	-89.99B	141.19B	-22.09B
Operating Cash Flow	0.00	-24.60B	-59.10B	-87.86B	142.77B	-20.03B
Investing Cash Flow	0.00	-4.51B	-516.60B	-2.09B	-1.33B	-2.02B
Financing Cash Flow	0.00	15.00B	257.66B	166.11B	128.36B	211.82B

Central Bank of India Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 36.11
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CENTRALBK, the sentiment is Negative. The current price of 36.11 is below the 20-day moving average (MA) of 36.65, below the 50-day MA of 37.84, and below the 200-day MA of 44.50, indicating a bearish trend. The MACD of -0.62 indicates Positive momentum. The RSI at 37.63 is Neutral, neither overbought nor oversold. The STOCH value of 61.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CENTRALBK.

Central Bank of India Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CENTRALBK	72 Outperform	₹326.85B	7.43		0.56%	9.94%	35.44%
UCOBANK	71 Outperform	₹355.25B	13.73		1.39%	17.33%	45.79%
Sector *	62 Neutral	C$15.64B	6.67	13.72%	5.97%	22.38%	-10.22%
PSB	54 Neutral	₹200.24B	17.54		0.25%	20.55%	74.68%

Central Bank of India Corporate Events

Central Bank of India Announces 18th AGM with Key Strategic Decisions

Central Bank of India has announced its 18th Annual General Meeting (AGM) scheduled for July 19, 2025, to be held via video conferencing. Key agenda items include the approval of the bank’s financial statements, declaration of dividends, appointment of directors, and raising equity capital up to ₹5000 crore. These decisions are pivotal for the bank’s strategic growth and operational efficiency, impacting shareholders and enhancing the bank’s market position.

Central Bank of India Sets Record Date for FY 2024-25 Dividend

Central Bank of India has announced that the record date for its final dividend payment for the fiscal year 2024-25 is set for July 4, 2025. This dividend, amounting to Rs.0.1875 per equity share, is contingent upon shareholder approval at the upcoming Annual General Meeting on July 19, 2025. The dividend will be distributed to shareholders holding shares in both electronic and physical forms, with payments expected within 30 days post-AGM, subject to tax deductions as per the Income Tax Act.