Central Bank of India (IN:CENTRALBK)
:CENTRALBK
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Central Bank of India
(CENTRALBK)
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Rating:78Outperform
Price Target:
₹39.00
▲(1.11% Upside)
Action:ReiteratedDate:10/21/25
Central Bank of India receives a strong overall score driven by robust financial performance and attractive valuation. The bank's revenue growth and profitability are commendable, although cash flow challenges and high liabilities require attention. Technical indicators support a positive trend, enhancing the stock's outlook. The absence of earnings call and corporate events data does not detract from the solid fundamentals and valuation appeal.
Positive Factors
Revenue & Profitability Growth
Sustained revenue and improving net profit margins indicate the bank is expanding core lending and fee businesses while controlling costs. Over 2-6 months this supports durable earnings power, reinvestment capacity and resilience to cyclical shocks versus peers.
Negative Factors
High Liabilities
A large liability base increases sensitivity to funding shocks and interest-rate moves; structurally higher leverage elevates refinancing and liquidity risk. Over the medium term this can constrain growth or force more costly funding if macro conditions tighten.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Profitability Growth
Sustained revenue and improving net profit margins indicate the bank is expanding core lending and fee businesses while controlling costs. Over 2-6 months this supports durable earnings power, reinvestment capacity and resilience to cyclical shocks versus peers.
Read all positive factors
Central Bank of India (CENTRALBK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹322.23B
Dividend Yield1.58%
Average Volume (3M)551.31K
Price to Earnings (P/E)6.7
Beta (1Y)1.51
Revenue Growth6.84%
EPS Growth31.01%
CountryIN
Employees31,610
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.40
Shares Outstanding9,051,401,000
10 Day Avg. Volume611,297
30 Day Avg. Volume551,307
Financial Highlights & Ratios
PEG Ratio0.19
Price to Book (P/B)0.97
Price to Sales (P/S)0.90
P/FCF Ratio-12.30
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.1
Revenue Forecast (FY)₹268.61B
Central Bank of India Business Overview & Revenue Model
Company Description
Central Bank of India operates as a commercial bank in India. The company offers deposit products, which include savings and current accounts, time deposits, fixed deposits, and recurring deposit schemes, as well as small saving scheme; and loans,...
How the Company Makes Money
Central Bank of India primarily earns money through a mix of interest-based income and fee/other income typical of commercial banks. (1) Net interest income: The largest driver is the spread between interest earned on assets and interest paid on l...
Central Bank of India Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 409.69B | 396.92B | 355.77B | 297.43B | 258.62B | 259.61B |
| Gross Profit | 152.41B | 198.63B | 176.94B | 158.38B | 125.01B | 114.18B |
| EBITDA | 49.10B | 45.01B | 31.76B | 20.74B | 13.61B | -5.86B |
| Net Income | 45.82B | 39.34B | 26.68B | 16.79B | 10.57B | -8.84B |
Balance Sheet | ||||||
| Total Assets | 5.05T | 4.80T | 4.48T | 4.07T | 3.87T | 3.70T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 361.97B | 376.08B | 441.02B | 530.97B | 389.54B |
| Total Debt | 123.99B | 218.20B | 213.77B | 100.04B | 94.73B | 69.60B |
| Total Liabilities | 4.66T | 4.43T | 4.15T | 3.78T | 3.60T | 3.43T |
| Stockholders Equity | 385.35B | 368.81B | 323.74B | 292.17B | 275.49B | 264.97B |
Cash Flow | ||||||
| Free Cash Flow | -293.22B | -29.15B | -64.97B | -89.99B | 141.19B | -22.09B |
| Operating Cash Flow | -291.84B | -24.60B | -59.10B | -87.86B | 142.77B | -20.03B |
| Investing Cash Flow | -1.37B | -4.51B | -516.60B | -2.09B | -1.33B | -2.02B |
| Financing Cash Flow | 314.31B | 15.00B | 257.66B | 166.11B | 128.36B | 211.82B |
Central Bank of India Technical Analysis
Neutral
38.57
Price Trends
36.36
Negative
36.84
Negative
36.96
Negative
Market Momentum
-0.73
Negative
50.31
Neutral
88.58
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CENTRALBK, the sentiment is Neutral. The current price of 38.57 is above the 20-day moving average (MA) of 34.34, above the 50-day MA of 36.36, and above the 200-day MA of 36.96, indicating a neutral trend. The MACD of -0.73 indicates Negative momentum. The RSI at 50.31 is Neutral, neither overbought nor oversold. The STOCH value of 88.58 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:CENTRALBK.
Central Bank of India Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ₹322.23B | 6.69 | ― | 1.58% | 6.84% | 31.01% | |
76 Outperform | ₹272.37B | 9.24 | ― | 0.86% | 13.61% | 16.82% | |
75 Outperform | ₹329.16B | ― | ― | 1.35% | 17.33% | 45.79% | |
71 Outperform | ₹542.49B | 6.63 | ― | 2.60% | 18.36% | 14.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | ₹174.76B | 14.60 | ― | 0.26% | 18.54% | 67.80% | |
52 Neutral | ₹267.34B | 28.48 | ― | 1.00% | 6.70% | -55.95% |
* Financial Sector Average
IN:CENTRALBK
Central Bank of India
35.60
1.93
5.74%
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Central Bank of India Corporate Events
Central Bank of India Secures CCI Nod to Lift Stakes in Insurance JVs to 26%
Mar 4, 2026
Central Bank of India has received approval from the Competition Commission of India to acquire an additional 1.09% stake in Generali Central Insurance Company Limited and 0.82% in Generali Central Life Insurance Company Limited. Following complet...
Central Bank of India to Distribute SBI Mutual Funds Under New Agreement
Feb 21, 2026
Central Bank of India has signed a distributorship agreement with SBI Funds Management Limited to distribute SBI Mutual Fund products to its customers, expanding its investment offerings beyond traditional banking services. The partnership will al...
Central Bank of India Publishes Q3 FY2025 Financial Results in Leading Dailies
Jan 17, 2026
Central Bank of India has notified the stock exchanges that it has published its unaudited standalone and consolidated financial results for the third quarter and nine months ended 31 December 2025 in leading national and regional newspapers. The ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.